Independent Banker - May 2023 - 3
The Nation's Voice
for Community Banks®
ICBA headquarters/editorial office
1615 L St. NW, Suite 900, Washington, DC 20036-5623
magazine@icba.org
866-THE-ICBA (866-843-4222)
ICBA executive committee
Chairman
Derek B. Williams
Chairman-elect
Lucas White
Vice chairman
Jack E. Hopkins
President and CEO
Rebeca Romero Rainey
Treasurer
Sarah Getzlaff
Secretary
James H. Sills, III
Magazine staff
Executive editor
Molly Bennett
magazine@icba.org
Managing editor
Tiffany Lukk
Associate editor
Rachel Hatcher
Project manager
Maddie Silverson
Web team
Ricky Hannigan
Lauri Loveridge
Senior production manager
Tim Dallum
Advertising
Publisher
Matthew Kusilek
(612) 336-9284 * matt@icbabanks.org
Custom Publishing
953 Westgate Drive, Suite 107, St. Paul, MN 55114
mspcagency.com * (612) 339-7571
Periodicals postage paid at Sauk Centre, MN, and additional
mailing offices. ICBA Independent Banker (ISSN-0019-3674)
is published monthly by Independent Community Bankers of
America, 518 Lincoln Road, Sauk Centre, MN 56378-1653.
Member subscriptions, $40 per year. Additional member
subscriptions, $20. All other subscriptions, $75. POSTMASTER:
Address changes to ICBA Independent Banker, P.O. Box 267,
Sauk Centre, MN 56378. Copyright 2023 ICBA. All rights reserved.
Call 800.340.7304 to start
www.holtandmon.com
Data coordinator
LeeAnn Sunderman
Subscriptions coordinator
Denise Olmscheid
Your customers have never needed capital more
than they do right now. Plus you need to offset
narrowing margins by increasing noninterest fee
income. SBA/USDA lending is the perfect answer.
And ICBA recommends just one provider to make
the process hassle-free: Holtmeyer & Monson.
Give customers exactly what they need, at no
net cost to your bank.
Associate creative director
Bret Ryan
Senior art director
Amy Armato
Graphic designer
Kelsey Hanscom
Pre-media group
Bill Sympson
Paul Marihart
Aries King
Small businesses count on your expertise.
You can count on ours.
Closing SBA loans
keeps doors open.
Immediate past chairman
Brad M. Bolton
Past chairman
Robert M. Fisher
Past chairman
Noah W. Wilcox
Chairman of ICBA
consolidated holdings
Jack A. Hartings
Corporate secretary
Terry Jorde
http://www.mspcagency.com
http://www.holtandmon.com
Independent Banker - May 2023
Table of Contents for the Digital Edition of Independent Banker - May 2023
Content
Independent Banker - May 2023 - Cover1
Independent Banker - May 2023 - Cover2
Independent Banker - May 2023 - Content
Independent Banker - May 2023 - 2
Independent Banker - May 2023 - 3
Independent Banker - May 2023 - 4
Independent Banker - May 2023 - 5
Independent Banker - May 2023 - 6
Independent Banker - May 2023 - 7
Independent Banker - May 2023 - 8
Independent Banker - May 2023 - 9
Independent Banker - May 2023 - 10
Independent Banker - May 2023 - 11
Independent Banker - May 2023 - 12
Independent Banker - May 2023 - 13
Independent Banker - May 2023 - 14
Independent Banker - May 2023 - 15
Independent Banker - May 2023 - 16
Independent Banker - May 2023 - 17
Independent Banker - May 2023 - 18
Independent Banker - May 2023 - 19
Independent Banker - May 2023 - 20
Independent Banker - May 2023 - 21
Independent Banker - May 2023 - 22
Independent Banker - May 2023 - 23
Independent Banker - May 2023 - 24
Independent Banker - May 2023 - 25
Independent Banker - May 2023 - 26
Independent Banker - May 2023 - 27
Independent Banker - May 2023 - 28
Independent Banker - May 2023 - 29
Independent Banker - May 2023 - 30
Independent Banker - May 2023 - 31
Independent Banker - May 2023 - 32
Independent Banker - May 2023 - 33
Independent Banker - May 2023 - 34
Independent Banker - May 2023 - 35
Independent Banker - May 2023 - 36
Independent Banker - May 2023 - 37
Independent Banker - May 2023 - 38
Independent Banker - May 2023 - 39
Independent Banker - May 2023 - 40
Independent Banker - May 2023 - 41
Independent Banker - May 2023 - 42
Independent Banker - May 2023 - 43
Independent Banker - May 2023 - 44
Independent Banker - May 2023 - 45
Independent Banker - May 2023 - 46
Independent Banker - May 2023 - 47
Independent Banker - May 2023 - 48
Independent Banker - May 2023 - 49
Independent Banker - May 2023 - 50
Independent Banker - May 2023 - 51
Independent Banker - May 2023 - 52
Independent Banker - May 2023 - 53
Independent Banker - May 2023 - 54
Independent Banker - May 2023 - 55
Independent Banker - May 2023 - 56
Independent Banker - May 2023 - 57
Independent Banker - May 2023 - 58
Independent Banker - May 2023 - 59
Independent Banker - May 2023 - 60
Independent Banker - May 2023 - 61
Independent Banker - May 2023 - 62
Independent Banker - May 2023 - 63
Independent Banker - May 2023 - 64
Independent Banker - May 2023 - 65
Independent Banker - May 2023 - 66
Independent Banker - May 2023 - 67
Independent Banker - May 2023 - 68
Independent Banker - May 2023 - Cover3
Independent Banker - May 2023 - Cover4
https://www.nxtbook.com/mspc/independentbanker/november2024
https://www.nxtbook.com/mspc/independentbanker/october2024
https://www.nxtbook.com/mspc/independentbanker/september2024
https://www.nxtbook.com/mspc/independentbanker/august2024
https://www.nxtbook.com/mspc/independentbanker/july2024
https://www.nxtbook.com/mspc/independentbanker/june2024
https://www.nxtbook.com/mspc/independentbanker/may2024
https://www.nxtbook.com/mspc/independentbanker/april2024
https://www.nxtbook.com/mspc/independentbanker/march2024
https://www.nxtbook.com/mspc/independentbanker/february2024
https://www.nxtbook.com/mspc/independentbanker/january2024
https://www.nxtbook.com/mspc/independentbanker/december2023
https://www.nxtbook.com/mspc/independentbanker/november2023
https://www.nxtbook.com/mspc/independentbanker/october2023
https://www.nxtbook.com/mspc/independentbanker/september2023
https://www.nxtbook.com/mspc/independentbanker/august2023
https://www.nxtbook.com/mspc/independentbanker/july2023
https://www.nxtbook.com/mspc/independentbanker/june2023
https://www.nxtbook.com/mspc/independentbanker/may2023
https://www.nxtbook.com/mspc/independentbanker/april2023
https://www.nxtbook.com/mspc/independentbanker/march2023
https://www.nxtbook.com/mspc/independentbanker/february2023
https://www.nxtbook.com/mspc/independentbanker/january2023
https://www.nxtbook.com/mspc/independentbanker/december2022
https://www.nxtbook.com/mspc/independentbanker/november2022
https://www.nxtbook.com/mspc/independentbanker/october2022
https://www.nxtbook.com/mspc/independentbanker/september2022
https://www.nxtbook.com/mspc/independentbanker/august2022
https://www.nxtbook.com/mspc/independentbanker/july2022
https://www.nxtbook.com/mspc/independentbanker/june2022
https://www.nxtbook.com/mspc/independentbanker/may2022
https://www.nxtbook.com/mspc/independentbanker/april2022
https://www.nxtbook.com/mspc/independentbanker/march2022
https://www.nxtbook.com/mspc/independentbanker/february2022
https://www.nxtbook.com/mspc/independentbanker/january2022
https://www.nxtbook.com/mspc/independentbanker/december2021
https://www.nxtbook.com/mspc/independentbanker/november2021
https://www.nxtbook.com/mspc/independentbanker/october2021
https://www.nxtbook.com/mspc/independentbanker/september2021
https://www.nxtbook.com/mspc/independentbanker/august2021
https://www.nxtbook.com/mspc/independentbanker/july2021
https://www.nxtbook.com/mspc/independentbanker/june2021
https://www.nxtbook.com/mspc/independentbanker/may2021
https://www.nxtbook.com/mspc/independentbanker/april2021
https://www.nxtbook.com/mspc/independentbanker/march2021
https://www.nxtbook.com/mspc/independentbanker/february2021
https://www.nxtbook.com/mspc/independentbanker/january2021
https://www.nxtbook.com/mspc/independentbanker/december2020
https://www.nxtbook.com/mspc/independentbanker/november2020
https://www.nxtbook.com/mspc/independentbanker/october2020
https://www.nxtbook.com/mspc/independentbanker/september2020
https://www.nxtbook.com/mspc/independentbanker/august2020
https://www.nxtbook.com/mspc/independentbanker/july2020
https://www.nxtbook.com/mspc/independentbanker/june2020
https://www.nxtbook.com/mspc/independentbanker/may2020
https://www.nxtbook.com/mspc/independentbanker/april2020
https://www.nxtbook.com/mspc/independentbanker/march2020
https://www.nxtbook.com/mspc/independentbanker/february2020
https://www.nxtbook.com/mspc/independentbanker/january2020
https://www.nxtbook.com/mspc/independentbanker/december2019
https://www.nxtbook.com/mspc/independentbanker/november2019
https://www.nxtbook.com/mspc/independentbanker/october2019
https://www.nxtbook.com/mspc/independentbanker/september2019
https://www.nxtbook.com/mspc/independentbanker/august2019
https://www.nxtbook.com/mspc/independentbanker/july2019
https://www.nxtbook.com/mspc/independentbanker/june2019
https://www.nxtbook.com/mspc/independentbanker/may2019
https://www.nxtbook.com/mspc/independentbanker/april2019
https://www.nxtbook.com/mspc/independentbanker/march2019
https://www.nxtbook.com/mspc/independentbanker/february2019
https://www.nxtbook.com/mspc/independentbanker/january2019
https://www.nxtbook.com/mspc/independentbanker/december2018
https://www.nxtbook.com/mspc/independentbanker/november2018
https://www.nxtbook.com/mspc/independentbanker/october2018
https://www.nxtbook.com/mspc/independentbanker/september2018
https://www.nxtbook.com/mspc/independentbanker/august2018
https://www.nxtbook.com/mspc/independentbanker/july2018
https://www.nxtbook.com/mspc/independentbanker/june2018
https://www.nxtbook.com/mspc/independentbanker/may2018
https://www.nxtbook.com/mspc/independentbanker/april2018
https://www.nxtbook.com/mspc/independentbanker/march2018
https://www.nxtbook.com/mspc/independentbanker/february2018
https://www.nxtbook.com/mspc/independentbanker/january2018
https://www.nxtbook.com/mspc/independentbanker/december2017
https://www.nxtbook.com/mspc/independentbanker/november2017
https://www.nxtbook.com/mspc/independentbanker/october2017
https://www.nxtbook.com/mspc/independentbanker/september2017
https://www.nxtbook.com/mspc/independentbanker/august2017
https://www.nxtbook.com/mspc/independentbanker/july2017
https://www.nxtbook.com/mspc/independentbanker/june2017
https://www.nxtbook.com/mspc/independentbanker/may2017
https://www.nxtbook.com/mspc/independentbanker/april2017
https://www.nxtbookmedia.com