APRIL ƟǒƟǒ Vol. 70, Issue 4 42 52 The future's so bright Meet ICBA's 2020/21 executive committee. They're leading the charge as ICBA fights for a level playing field and other reforms that will help community banks flourish. features 52 How to get (and keep) new customers Find the right ways to engage your customers 58 Brick and mortar in the 21st century These community banks are betting on branches 64 Preparing for CECL Here's what you need to know about getting ready 66 Cover: Stephen Gosling independentbanker.org Q 1http://www.independentbanker.org