Florida Banking April/May 2026

FLORIDA B ANK I NG

CONTENTS

APRIL | MAY 2026 VOLUME 41 | NUMBER 2

Editorial & Executive Offices 1001 Thomasville Road, Suite 201 Tallahassee, FL 32303 850-224-2265 www.floridabankers.com

ON THE COVER

Kathy Kraninger President & Chief Executive Officer kkraninger@floridabankers.com Suellen Wilkins Director of Marketing & Communications swilkins@floridabankers.com Keith Costello Chair Garrett Richter Chair-Elect Derek Jones Immediate Past Chair Advertising & Production Offices NFR Communications, Inc. 250 Prairie Center Dr., Ste. 300 Eden Prairie, MN 55344 952-835-2275 www.nfrcom.com For advertising information, contact Erica Nelson Advertising Sales Executive 763-497-1778 Erica@NFRcom.com Statements of fact and opinion are made on the responsibility of the authors alone and do not imply an opinion or endorsement on the part of the officers or members of FBA. Florida Banking is published six times annually. Subscription price is $50 per year for nonmembers. Postmaster, send address changes to Florida Bankers Association, P.O. Box 1360, Tallahassee, FL 32302. Copyright 2026 For reprints or single issues, contact 800-336-1120

Built From the Ground Up Florida’s de novo pioneers reflect on a decade of building community-focused banks

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President's Perspective Right-Sizing Regulation for Community Banks Chair’s Message Building the Next Generation of Community Banks Government Relations The 2026 Session Ends without a Budget ABA Insurance Services ATM ‘Jackpotting’ attacks have increased Celebrating Our FBEF Donors Community Banking Strategy for Growth Fighting On in 2026 Faces of the Foundation Commercial Lending School: Attendees Collaborate and Connect Personal Transactions Kudos Upcoming Events & Ad Index

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2 | FLORIDA BANKING