FEBRUARY 2022 5 Flourish 7 From the Top IN EVERY ISSUE CURRENCIES Good Reads: Leadership tips with a sci-fi spin History Lesson: America's first Black-owned bank The Ledger: Consumers' cybersecurity concerns The State of Banking: Arkansas' banking landscape 12 20 PORTFOLIO 20 Stronger together? Partnering with a fintech can lead to new innovation opportunities 24 Leadership at All Levels Improve employee retention by focusing on engagement 26 A safety net for small businesses Microloans are helping businesses that didn't receive PPP loans CONNECTIONS 68 68 Trailblazer Southern Bancorp works to connect community banks and CDFIs to improve communities nationwide 72 Community Spirit Pulaski Savings Bank's commitment to its customers has led to it becoming a pillar in its community 74 Innovation Conversations A clever solution to the problem of secure file transfers 76 Out of Off ice Heartland Bank's John Rosenboom owns a collection of antique cars, including one from Miami Vice 28 Innovation Station Collaboration is critical to the future of community banking, writes Charles Potts 30 Counting down to the launch of FedNow How to prepare for the 2023 launch 34 CFPB changes: How you can prepare Evaluate your fair lending policies 38 Portfolio Management Thoughts on net-of-inflation returns 40 The elements of an eye-catching logo Create a bank logo that grabs attention and tells your brand story 42 Checks & Balances CBLR and FDICIA asset thresholds Connect with ICBA @icba facebook.com/icbaorg linkedin.com/company/icba youtube.com/user/ communitybankchannel @banklocally @myicba 2 Q ICBA Independent Banker Q February 2022http://www.youtube.com/user/ http://www.facebook.com/icbaorg http://www.linkedin.com/company/icba