APRIL 2024 5 Flourish 7 From the Top IN EVERY ISSUE CURRENCIES Photo News: Alliance Bank elevates community wellness The Checklist: 5 employee benefits to set your bank apart Rising Interest: Generative AI risk and reward In My Spare Time: Members of the ICBA 2024/25 board of directors 12 14 PORTFOLIO 14 CRE lending: Challenge or opportunity? The state of commercial real estate lending today 18 Innovation Station How core providers are helping banks innovate 20 Q&A: Is it time to change your core? Evaluate your bank's core with these questions. 76 CONNECTIONS 68 Trailblazer Warsaw Federal Bank has achieved minority depository institution status. 71 Powering Potential Certification Q&A: Lisa Cronk 72 Community Spirit Dieterich Bank is inspiring kids to build and open their own businesses. 74 Bulletin Board A look at scenes from this year's ICBA LIVE in Orlando 76 Out of Office As a race car driver, Ashley Burt competes in 32 races each year. 23 Leadership at All Levels 10 quick wins for new leaders 24 Hiring? Don't forget the marketing Find the perfect marketing strategy for recruiting. 26 7 strategies for raising deposits Learn from your peers' efforts. 30 6 ways to deepen small-business customer relationships It's all about the personal touch. 32 Portfolio Management Keeping it simple with bonds 34 RESPA and HMDA violations: What to know Community banks can learn from Freedom Mortgage's mistakes. 36 Checks & Balances The importance of storytelling while lobbying and attending the ICBA Capital Summit Connect with ICBA @icba facebook.com/icbaorg linkedin.com/company/icba youtube.com/user/ communitybankchannel @banklocally @myicba 2 // ICBA Independent Banker // April 2024http://www.youtube.com/user/ http://www.facebook.com/icbaorg http://www.linkedin.com/company/icba