MARCH 2021 CURRENCIES Good Reads: Time for spring cleaning The State of Banking: Oklahoma's banking landscape The Ledger: The state of loan demand History Lesson: Women at the helm Small Businesses Speak Out: Appraiser Jonathan Montgomery 5 Flourish 7 From the Top 76 Out of Off ice IN EVERY ISSUE 18 PORTFOLIO 18 Why branches are worth the investment Branches remain strategic tools for some banks despite the pandemic 22 Leadership at All Levels Leaders must practice authenticity 76 CONNECTIONS 68 Trailblazer Craft Bank is the Atlanta metro's first de novo in more than a decade 72 Community Spirit A Cape Ann Savings Bank branch is the classroom at a local high school 74 Member Benefits Hosting a virtual gathering? ICBA's event expert shares her know-how 68 2 Q ICBA Independent Banker Q March 2021 24 The benefits of bankowned life insurance BOLI could help retain your execs 26 Keep your ads clean Truth in advertising is key 28 Innovation Station Use existing tech for new customers 30 Stop uncertainty from fueling fraud Share these tips with customers to fight pandemic-fueled fraud 34 Portfolio Management There are big " ifs, " but it may be time to consider general market munis 36 Pick up on signals for better marketing Use data to tailor your marketing campaigns more eff ectively 38 Checks & Balances ICBA is monitoring the impact of the SolarWinds cybersecurity breach Connect with ICBA @icba facebook.com/icbaorg linkedin.com/company/icba youtube.com/user/ communitybankchannel @banklocally @myicba 15http://www.youtube.com/user/ http://www.facebook.com/icbaorg http://www.linkedin.com/company/icba