Florida Banking December 2025/January 2026

DECEMBER 2025 | JANUARY 2026 VOLUME 41 | NUMBER 6 FLORIDA B ANK I NG

CONTENTS

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

ON THE COVER

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Flagship Bank Anchored in Community, Driven by Purpose

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 2025 For reprints or single issues, contact 800-336-1120

Left to right: Board Chair Paul Wikle, CEO & EVP David Key, and President & Senior Lending Officer Anthony DiTinno

Photos by Jonathan Fanning, Jonathan Fanning Studio & Gallery.

President's Perspective FBA Update — Halfway Mark for the Strategic Plan and Investing in Infrastructure

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Chair’s Message All Together Now: Paddling for a Purpose

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Government Relations The Property Tax Debate A Major Focus of the 2026 Session NFP Executive Benefits, LLC

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How Financial Ratios Shape Executive Benefit Strategy in Community Banks Faces of the Foundation: Katherine Guerrero Celebrating Our FBEF Donors BankPac Shaping the Future of Florida Banking Bank on Your Future at UWF and FSU 2025 Trust & Wealth Management Conference Driven by Purpose: The People Powering the FBA Personal Transactions Kudos Upcoming Events & Ad Index

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2 | FLORIDA BANKING