Florida Banking December 2025/January 2026

All Together Now: Paddling for a Purpose CHAIR’S MESSAGE

Sometimes leadership takes us out of our comfort zones — and in this case, out of the boardroom and onto the open water. This summer, I had the privilege of joining two fellow South Florida banking leaders, Luis de la Aguilera of U.S. Century Bank and former FBA Chair José Cueto of Grove Bank & Trust, for Kayaking the Keys for Hope — a remarkable event conceived by longtime Florida banking-industry partner and SebastianStrong Foundation Founder Oscar Ortiz — that raised more than $230,000 to fight childhood cancer. What began as a simple idea — to trade briefcases for paddles and raise funds for a worthy cause — turned into a powerful reminder of what can be achieved when people come together with purpose. The three of us represent different institutions, yet for this effort, competition faded away. We were united not by market share or business strategy, but by compassion for families facing the unimaginable and by the shared belief that community leadership extends far beyond our offices. The SebastianStrong Foundation, founded by Ortiz — who spent more than two decades working alongside Florida banks and the FBA — was created in honor of his son Sebastian and has become one of the state’s most impactful voices in pediatric cancer philanthropy. Since its founding, the organization has directed nearly $7 million to fund groundbreaking childhood cancer research across leading institutions nationwide. Knowing that our paddle across the Keys could help fuel that work gave every mile

KEITH COSTELLO FBA CHAIR

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Kayaking the Keys for Hope reminded me that leadership is about more than results; it’s about heart.”

L to R: Oscar Ortiz, Keith Costello, Luis de la Aguilera and Jose Cueto

— and every blister — meaning. As I reflected on the experience, it struck me how often the same spirit of collaboration defines our banking community across Florida. Though we may compete in business, we’re united by a deeper mission: strengthening our communities, creating opportunities and improving lives. It’s a mission that defines our work as bankers and our role as civic leaders. At the Florida Bankers Association, that spirit of unity is evident every day. We come together to advocate for sound policies, to share knowledge and best practices, and to support one another through change and challenge. Whether we’re championing innovation, developing talent, or helping communities recover after a storm, our collective impact is powerful — and deeply human. Kayaking the Keys for Hope reminded me that leadership is about more than results; it’s about heart. I’m proud to serve alongside bankers who lead with both. Together, we can continue to make a difference — one customer, one community, and sometimes, one paddle stroke at a time.

Reach Out! Challenge to other bank CEOs and leaders: If you want to help, reach out to Oscar at oscar@sebastianstrong.com

4 | FLORIDA BANKING