SEPTEMBER ƟǒƟǒ CURRENCIES A singing competition brings students together virtually Q Good Reads: What's next for banking? Q History Lesson: The duo behind the Fed Q By the numbers: Community banks' PPP impact Q The Ledger: Satisfi ed bank customers Q The State of Banking: Wyoming's banking landscape CONNECTIONS 66 Trailblazer First Southwest Bank is building bridges with its Native American neighbors through career and economic opportunities 20 PORTFOLIO 16 Compensation strategies that last Today's star workers are demanding innovative employment packages 14 IN EVERY ISSUE 5 Flourish 7 From the Top 72 Out of Offi ce 19 Leadership at All Levels ICBA's Lindsay LaNore off ers eight ways to boost your team's morale 20 Why refis are driving mortgages amid COVID-19 Despite the year's economic challenges, refinances are booming 22 How to make your card top of wallet Customers have more options than ever before on what card to use 25 Innovation Station ICBA's Charles Potts off ers three innovation budget strategies 72 2 Q ICBA Independent Banker Q September 2020 26 How your CRM can be a platform for growth Customer relationship management platforms can be powerful tools 66 30 Portfolio Management Jim Reber of ICBA Securities and a community banker discuss 2020 32 The benefits within safe deposit boxes While not profit drivers, safe deposit boxes can have other benefits 34 Third-party risk: Are you covered? Community banks are relying more on vendors, but this comes with risk 36 Checks & Balances ICBA is engaging regulators to recognize COVID-19's impact Connect with ICBA facebook.com/icbaorg @icba linkedin.com/company/icba youtube.com/user/ communitybankchannel @banklocally @myicba 70 Community Spirit A subsidized gift certificate program boosted Martha's Vineyard Bank's local economy after tourist revenue was threatenedhttp://www.facebook.com/icbaorg http://www.linkedin.com/company/icba http://www.youtube.com/user/