JULY 2021 5 Flourish 7 From the Top IN EVERY ISSUE CURRENCIES Good Reads: Analyzing the original patriot The State of Banking: Pennsylvania's banking landscape The Ledger: Post-pandemic tech priorities Small Businesses Speak Out: Shawonne Pickett History Lesson: America's founding capitalist 15 PORTFOLIO 18 Is CRE lending bouncing back? Data shows some sectors are coming back after a rocky year 22 Innovation Station Let's embrace the digital customer experience, says ICBA's Charles Potts 24 How young borrowers want their loans The next generation values a seamless customer experience CONNECTIONS 80 72 Trailblazer First Home Bank went all in on the PPP, administering $1.2 billion in jobsaving small business loans 76 Community Spirit Four community banks launched an interest-free loan program to help foster minority-owned businesses 78 Member Benefits ICBA's LEAD FWD Summit helps community bankers expand their network and prepare to lead better 80 Out of Office Kenesha Davis of Lincoln Savings Bank operates a small business selling handmade crocheted goods 27 Leadership at All Levels Upskilling and reskilling employees can prepare your bank for the future 28 A physical security assessment checklist Here's a checklist that accounts for pandemic-era security trends 30 A focus on access to credit The CFPB released more details on programs that expand credit access 34 Portfolio Management What institutional factors are influencing bond yields? 36 Is cryptocurrency going mainstream? Crypto is evolving beyond the hype 38 Checks & Balances Getting ahead of a digital dollar Connect with ICBA @icba facebook.com/icbaorg linkedin.com/company/icba youtube.com/user/ communitybankchannel @banklocally @myicba 18 2 Q ICBA Independent Banker Q July 2021http://www.youtube.com/user/ http://www.facebook.com/icbaorg http://www.linkedin.com/company/icba