2026 Pub. 7 Issue 1

Congratulations to the banks celebrating January and February anniversaries as chartered institutions! January 150 yearsBank of the Flint Hills — Wamego 142 yearsCitizens State Bank — Cheney 139 yearsThe Bank of Holyrood — Holyrood 122 yearsBendena State Bank — Bendena 118 yearsCitizens State Bank of Marysville — Marysville 112 yearsCottonwood Valley Bank — Cedar Point

FDIC regulations impose deposit interest rate restrictions on insured financial institutions that are less than well capitalized. Such restrictions have been in place since 1992 and were designed to prevent a less than well capitalized institution from offering deposit rates that significantly exceed the prevailing rates in its normal market area.

Sheraton Overland Park Hotel at the Convention Center 6100 College Blvd.Overland Park, KS 66211 Call (913) 234-2100 to reserve your room!

When it comes to card revenue, having the right bank identification number (BIN) type is critical. BINs are the first six to eight digits on a card that identify the issuing institution and card type, but their impact extends beyond labeling a transaction.

We all know how powerful curiosity can be. Every great leader knows that inviting feedback and questions from their team can be a highly collaborative and productive process. However, the ways we solicit questions can vary — as can the results.

For community banks, Microsoft 365 is a powerful tool for productivity. But with great power comes great responsibility. Financial institutions are prime targets for cyberattacks, and a default Microsoft 365 setup leaves too many doors open for malicious actors. It’s not enough to simply use these tools; you must actively secure them.

In today’s constantly evolving regulatory environment, staying informed is crucial. The Community Bankers for Compliance Program keeps your bank ahead of the curve with up-to-date insights on ever-changing regulations and offers expert guidance for structuring and maintaining a robust in-bank compliance program.

It’s been a turbulent few years, beginning with the pandemic and followed by persistent inflation, rising housing costs and uncertainty surrounding economic policy. In the U.S., 77% of adults experience financial anxiety, and 58% feel like money controls their lives.

I’m hopeful that those New Year’s resolutions are intact and having their desired effects. In taking one more look back into 2025, it dawns on me that the further we got into the year, the better the bankers’ comments were about their bank’s performance.