SEPTEMBER 2024 independentbanker.org Plus Emerging winner Woodsboro Bank is helping improve water quality in the Chesapeake Bay National Community Bank Service Awards 2024 AI'S SUPPORTING ROLE IN REGTECH PAGE 28 STANDING UP FOR KIDS Exceptional winner Phelps County Bank is serving lemonade to fight child abuse in its community page 36 WHAT DO fPictured, from left: Phelps County Bank president Ben Tipton, CEO Dominic DeLuca, COO Peter Freiberg and chief risk officer Jessica Beucler THE SUPREME COURT'S RECENT DECISIONS MEAN FOR COMMUNITY BANKS? PAGE 34http://www.independentbanker.org