California Banker Issue 4 2024

Contents ISSUE 4 2024

P. 6

P. 12

FEATURES

A Conversation with Virginia Varela

6

DEPARTMENTS

CalAccount Feasibility Study Released

10

Association Update

4

12

Unlocking Liquidity & Balance Sheet Optimization

Advertising Index

23

14

Putting Deposits in Reach: Digital Growth Solutions for Small Banks

Branch Closings: Requirements & Nuances

18

Fintech Corner

20

New Members

21

P. 18

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California Bankers Association , 1303 J Street, Suite 600, Sacramento, CA 95814, P: 916-438-4400/F: 916-441-5756, Email online at www.CalBankers.com. ©2024 California Bankers Association | NFR Communications, Inc.. All rights reserved. CaliforniaBanker is published four times each year by NFR Communications, Inc. for California Bankers Association and EO PDA KBł?E=H LQ>HE?=PEKJ BKN PDEO =OOK?E=PEKJ 1DA EJBKNI=PEKJ ?KJP=EJA@ EJ PDEO LQ>HE?=PEKJ EO EJPAJ@A@ PK LNKRE@A CAJAN=H EJBKNI=PEKJ BKN NAREAS ?KJOE@AN=PEKJ =J@ IAI>AN A@Q?=PEKJ 1DA ?KJPAJPO @K JKP ?KJOPEPQPA HAC=H =@RE?A =J@ ODKQH@ JKP >A NAHEA@ KJ =O OQ?D &B UKQ JAA@ HAC=H =@RE?A KN =OOEOP=J?A EP EO OPNKJCHU NA?KIIAJ@A@ PD=P UKQ ?KJP=?P =J =PPKNJAU =O PK UKQN ?EN?QIOP=J?AO 1DA OP=PAIAJPO =J@ KLEJEKJO expressed in this publication are those of the individual authors and do not necessarily represent the views of California Bankers Association, its board of directors, or the publisher. Likewise, the appearance of advertisements within this publication does not constitute an endorsement or recommendation of any product or service advertised. CaliforniaBanker is a collective work, and as such, some articles are submit PA@ >U =QPDKNO SDK =NA EJ@ALAJ@AJP KB =HEBKNJE= =JGANO OOK?E=PEKJ 4DEHA =HEBKNJE= =JGANO OOK?E=PEKJ AJ?KQN=CAO = łNOP LNEJP LKHE?U EJ ?=OAO SDANA PDEO EO JKP LKOOE>HA ARANU ABBKNP D=O >AAJ I=@A PK comply with any known reprint guidelines or restrictions. Content may not be reproduced or reprinted without prior written permission. For further information, please contact the publisher at 855.747.4003.

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CaliforniaBanker | Issue 4 2024