Independent Banker - January 2023 - 3

The Nation's Voice
for Community BanksĀ®
ICBA headquarters/editorial office
1615 L St. NW, Suite 900, Washington, DC 20036-5623
magazine@icba.org
866-THE-ICBA (866-843-4222)
ICBA executive committee
Chairman
Brad M. Bolton
Chairman-elect
Derek Williams
Vice chairman
Lucas White
President and CEO
Rebeca Romero Rainey
Treasurer
Sarah Getzlaff
Secretary
Tim Aiken
Magazine staff
Executive editor
Molly Bennett
magazine@icba.org
Managing editor
Tiffany Lukk
Assistant editor
Rachel Hatcher
Project manager
Maddie Silverson
Web team
Ricky Hannigan
Lauri Loveridge
Production manager
Tim Dallum
Advertising
Publisher
Matthew Kusilek
(612) 336-9284 * matt@icbabanks.org
Custom Publishing
953 Westgate Drive, Suite 107, St. Paul, MN 55114
mspcagency.com * (612) 339-7571
Periodicals postage paid at Sauk Centre, MN, and additional
mailing offices. ICBA Independent Banker (ISSN-0019-3674)
is published monthly by Independent Community Bankers of
America, 518 Lincoln Road, Sauk Centre, MN 56378-1653.
Member subscriptions, $40 per year. Additional member
subscriptions, $20. All other subscriptions, $75. POSTMASTER:
Address changes to ICBA Independent Banker, P.O. Box 267,
Sauk Centre, MN 56378. Copyright 2023 ICBA. All rights reserved.
Call 800.340.7304 to start
www.holtandmon.com
Associate creative director
Bret Ryan
Senior art director
Amy Armato
Graphic designer
Kelsey Hanscom
Digital prepress
Steve Mathewson
Bill Sympson
Data coordinator
LeeAnn Sunderman
Subscriptions coordinator
Denise Olmscheid
Small businesses count on your expertise.
You can count on ours.
Your customers have never needed capital more
than they do right now. Plus you need to offset
narrowing margins by increasing noninterest fee
income. SBA/USDA lending is the perfect answer.
And ICBA recommends just one provider to make
the process hassle-free: Holtmeyer & Monson.
Give customers exactly what they need, at no
net cost to your bank.
Closing SBA loans
keeps doors open.
Immediate past chairman
Robert Fisher
Past chairman
Noah Wilcox
Past chairman
Preston Kennedy
Chairman of ICBA
consolidated holdings
Jack Hartings
Corporate secretary
Terry Jorde
http://www.mspcagency.com http://www.holtandmon.com

Independent Banker - January 2023

Table of Contents for the Digital Edition of Independent Banker - January 2023

Table of Contents
Independent Banker - January 2023 - Cover1
Independent Banker - January 2023 - Cover2
Independent Banker - January 2023 - Table of Contents
Independent Banker - January 2023 - 2
Independent Banker - January 2023 - 3
Independent Banker - January 2023 - 4
Independent Banker - January 2023 - 5
Independent Banker - January 2023 - 6
Independent Banker - January 2023 - 7
Independent Banker - January 2023 - 8
Independent Banker - January 2023 - 9
Independent Banker - January 2023 - 10
Independent Banker - January 2023 - 11
Independent Banker - January 2023 - 12
Independent Banker - January 2023 - 13
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Independent Banker - January 2023 - 15
Independent Banker - January 2023 - 16
Independent Banker - January 2023 - 17
Independent Banker - January 2023 - 18
Independent Banker - January 2023 - 19
Independent Banker - January 2023 - 20
Independent Banker - January 2023 - 21
Independent Banker - January 2023 - 22
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Independent Banker - January 2023 - 24
Independent Banker - January 2023 - 25
Independent Banker - January 2023 - 26
Independent Banker - January 2023 - 27
Independent Banker - January 2023 - 28
Independent Banker - January 2023 - 29
Independent Banker - January 2023 - 30
Independent Banker - January 2023 - 31
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Independent Banker - January 2023 - 33
Independent Banker - January 2023 - 34
Independent Banker - January 2023 - 35
Independent Banker - January 2023 - 36
Independent Banker - January 2023 - 37
Independent Banker - January 2023 - 38
Independent Banker - January 2023 - 39
Independent Banker - January 2023 - 40
Independent Banker - January 2023 - 41
Independent Banker - January 2023 - 42
Independent Banker - January 2023 - 43
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Independent Banker - January 2023 - 45
Independent Banker - January 2023 - 46
Independent Banker - January 2023 - 47
Independent Banker - January 2023 - 48
Independent Banker - January 2023 - 49
Independent Banker - January 2023 - 50
Independent Banker - January 2023 - 51
Independent Banker - January 2023 - 52
Independent Banker - January 2023 - 53
Independent Banker - January 2023 - 54
Independent Banker - January 2023 - 55
Independent Banker - January 2023 - 56
Independent Banker - January 2023 - 57
Independent Banker - January 2023 - 58
Independent Banker - January 2023 - 59
Independent Banker - January 2023 - 60
Independent Banker - January 2023 - 61
Independent Banker - January 2023 - 62
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Independent Banker - January 2023 - 68
Independent Banker - January 2023 - Cover3
Independent Banker - January 2023 - Cover4
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https://www.nxtbook.com/mspc/independentbanker/september2023
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https://www.nxtbook.com/mspc/independentbanker/february2023
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https://www.nxtbook.com/mspc/independentbanker/december2022
https://www.nxtbook.com/mspc/independentbanker/november2022
https://www.nxtbook.com/mspc/independentbanker/october2022
https://www.nxtbook.com/mspc/independentbanker/september2022
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https://www.nxtbook.com/mspc/independentbanker/december2021
https://www.nxtbook.com/mspc/independentbanker/november2021
https://www.nxtbook.com/mspc/independentbanker/october2021
https://www.nxtbook.com/mspc/independentbanker/september2021
https://www.nxtbook.com/mspc/independentbanker/august2021
https://www.nxtbook.com/mspc/independentbanker/july2021
https://www.nxtbook.com/mspc/independentbanker/june2021
https://www.nxtbook.com/mspc/independentbanker/may2021
https://www.nxtbook.com/mspc/independentbanker/april2021
https://www.nxtbook.com/mspc/independentbanker/march2021
https://www.nxtbook.com/mspc/independentbanker/february2021
https://www.nxtbook.com/mspc/independentbanker/january2021
https://www.nxtbook.com/mspc/independentbanker/december2020
https://www.nxtbook.com/mspc/independentbanker/november2020
https://www.nxtbook.com/mspc/independentbanker/october2020
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https://www.nxtbook.com/mspc/independentbanker/july2020
https://www.nxtbook.com/mspc/independentbanker/june2020
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https://www.nxtbook.com/mspc/independentbanker/april2020
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https://www.nxtbook.com/mspc/independentbanker/june2019
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https://www.nxtbook.com/mspc/independentbanker/april2019
https://www.nxtbook.com/mspc/independentbanker/march2019
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https://www.nxtbook.com/mspc/independentbanker/november2018
https://www.nxtbook.com/mspc/independentbanker/october2018
https://www.nxtbook.com/mspc/independentbanker/september2018
https://www.nxtbook.com/mspc/independentbanker/august2018
https://www.nxtbook.com/mspc/independentbanker/july2018
https://www.nxtbook.com/mspc/independentbanker/june2018
https://www.nxtbook.com/mspc/independentbanker/may2018
https://www.nxtbook.com/mspc/independentbanker/april2018
https://www.nxtbook.com/mspc/independentbanker/march2018
https://www.nxtbook.com/mspc/independentbanker/february2018
https://www.nxtbook.com/mspc/independentbanker/january2018
https://www.nxtbook.com/mspc/independentbanker/december2017
https://www.nxtbook.com/mspc/independentbanker/november2017
https://www.nxtbook.com/mspc/independentbanker/october2017
https://www.nxtbook.com/mspc/independentbanker/september2017
https://www.nxtbook.com/mspc/independentbanker/august2017
https://www.nxtbook.com/mspc/independentbanker/july2017
https://www.nxtbook.com/mspc/independentbanker/june2017
https://www.nxtbook.com/mspc/independentbanker/may2017
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