JANUARYőł CURRENCIES The Community Bank brings holiday cheer Q Congratulating ICBA's Kevin Tweddle Q Good Reads: Cutting-edge news Q Ohio's community banking industry landscape Q The Ledger: Life calls, community banks answer Q History Lesson: A dollar by any other name PORTFOLIO 28 18 The new business of contactless payments Could your bank benefit from the move away from cash and cards? 20 Keep your eyes on your sites Site visits can still be a best practice for eliminating risk, identifying problems and boosting business IN EVERY ISSUE 5 Flourish 7 From the Top 76 Out of Office 23 Innovation Station ICBA's Kevin Tweddle says the future of community banking will be high tech and high touch 24 What compliance changes will 2019 bring? This year will see more than the implementation of S.2155. Here are the compliance changes to expect 28 Brewing a new partnership Avidia Bank made a splash when it entered a new market by collaborating with a local brewery 30 Leading by Example ICBA's Chris Lorence on leading at all levels of a community bank 66 32 Portfolio Management The ins and outs of investing in mortgage-backed securities 34 Checks & Balances ICBA's Chris Cole dives into two proposals that will need a grassroots jolt this year CONNECTIONS 66 Trailblazer Gorham Savings Bank fosters late-stage startups through a Shark Tank-like competition and coaching 70 70 Community Spirit Dennis Frandsen, an entrepreneur since his teens, covers the college tuition of local high school grads 72 Member Benefits Struggling with choosing a fintech partner? A new ICBA resource will showcase the cream of the crop 74 Field Notes Cody Myers calls on community banks to tackle financial illiteracy Connect with ICBA facebook.com/icbaorg @icba linkedin.com/company/icba youtube.com/user/ communitybankchannel 76 2 Q ICBA Independent Banker Q January 2019 34http://www.facebook.com/icbaorg http://www.linkedin.com/company/icba http://www.youtube.com/user/