HOW FARM TECH IS CHANGING AG LENDING PAGE 48 SEPTEMBER 2023 independentbanker.org award ICBA National Community Bank Service Awards 2023 Natural helpers Exceptional award winner First Federal Savings & Loan Association exemplifies the community bank spirit of giving More assets, more regulation Adapting compliance practices as you grow WHAT FRAUD RISKS WILL Emerging award winner Cross Bank's tornado relief program PAGE 38 ďPictured: Alan Renfroe, president and CEO of First Federal Savings & Loan Association in Pascagoula, Miss. GENERATIVE AI BRING? PAGE 26http://www.independentbanker.org