Next: How to future-proof your community bank " With ransomware, if you don't have the tools to catch it quickly enough, the backups are the only thing to save you. " -Kyle Kunnen, Mercantile Bank of Michigan wherein all employees understand their responsibility for maintaining the community bank's good cyber hygiene. " Having a good incident response plan in place means banks are not running around like chickens with their heads cut off when attacks happen, " Leet says. " The more you prepare, the quicker you can react, and the less damage to an organization. No single control is the silver bullet. " Karen Epper Hoffman is a writer in Washington state. i Be ready to face cyber threats ICBA's Cyber and Data Security Toolkit, an exclusive benefit for ICBA members, has educational resources for your customers on what to do in case of a cyber or data threat or breach. Check out the toolkit at icba.org/cybersecurityguide Study up on ransomware For those interested in learning more about protecting your community bank from ransomware schemes, Community Banker University's course Phishing & Ransomware covers how to spot these attacks and defend against malicious software. The online course is available anytime at icba.org/educationhttp://www.icba.org/cybersecurityguide http://www.icba.org/education