* ICBA LIVE 2022 PREVIEW FEBRUARY 2022 independentbanker.org heart The of San Antonio and southern Texas are ripe with possibility * page 44 * Texas WORKING TO CLOSE THE RACIAL WEALTH GAP Stories from Black-owned banks and their customers page 56 Pictured: Ken Finley, president of Johnson City Bank in Johnson City, Texas, which is about an hour from San Antonio, the host city of ICBA LIVE MICROLENDING FOR THE GREATER GOOD Help for businesses that missed out on PPP loans page 26http://www.independentbanker.org