Florida Banking February/March 2026

THE MAGAZINE OF THE FLORIDA BANKERS ASSOCIATION WWW.FLORIDABANKERS.COM FEBRUARY | MARCH 2026 FLORIDA B ANK I NG

A Story of Resilience, Growth and Community-Focused Leadership Anchor Bank

FLORIDA B ANK I NG

CONTENTS

FEBRUARY | MARCH 2026 VOLUME 41 | NUMBER 1

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

ON THE COVER

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Anchor Bank A Story of Resilience

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

Left to right: FBA President & CEO Kathy Kraninger and Anchor Bank President & CEO Nelson Hinojosa, Senior Vice President Barbara Moore, CFO Brian Cole and Strategy Officer Raul Guzman

Photos by Steven Martine, Steven Martine Photography

President's Perspective We Need Your Action in D.C.! Chair’s Message Innovation as Our Imperative: Banking Success in an Era of Change Government Relations Session is Over – Now What? NContracts Navigating AI Use: How to Manage Third-Party Risk Without Stifling Your Bank’s Growth Celebrating Our FBEF Donors BankPac Shaping the Future of Florida Banking Capitol Day + Capitol Night Personal Transactions Kudos Upcoming Events & Ad Index

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2 | FLORIDA BANKING

We Need Your Action in D.C.! PRESIDENT'S PERSPECTIVE

the risks to small business and local community lending through bank deposits. We support digital asset markets regulations that ensure a level playing field for banks as they continue innovating and serving the economic interests of their communities and customers. • D.C. is focused on affordability and legislative efforts that would drive mixed results. On one hand, reforms to increase residential housing supply in market-enhancing ways; on the other, reintroduction of a credit card interest rate cap and Durbin-Marshall that would harm the consumers they seek to help. Evidence shows a 10% interest rate cap would reduce credit availability and be devastating for millions of American families and small businesses that rely on and value their credit cards. As bankers, you know “swipe fees” support pro-consumer services including security and privacy, while reducing those fees will not reduce costs for consumers. Your continued advocacy on these issues matters – you can speak practically and specifically about how they will impact constituents. • With our support, Congress could enact the most consequential bank regulatory reforms since S. 2155 – right-sizing asset and regulatory thresholds, tailoring requirements and encouraging de novo formation that would enable banks to focus on your core mission and business. Check out the Main Street Capital Access Act! Reach out to me anytime with questions!

As part of your calling every day as bankers, you are embedded in the communities you serve. You have tremendous networks as managers, through customers and partners, with community leaders and influencers. It takes an additional, short step to engage those networks toward policy outcomes that will better serve your communities. That’s grassroots activism and constituent action, and it moves the needle! Specifically: • Sign up for the ABA Washington Summit (March 9-11) or the ICBA Capitol Summit (May 4-7). Attend the FBA Annual D.C. Fly-In (Sept. 14-16). • If you cannot make it in person, respond to calls for action and share them with your network. There is power in our numbers, but only if we make them known. Make sure you’re getting FBA communications. • FBA is piloting a new advocacy toolkit – host a legislator at your bank or in your community. What is at stake? Congress is wrestling with consequential issues, and ensuring durable solutions means putting them into law. Here are a few updates: • Digital assets are no longer on the fringe. Stablecoins provide a payment mechanism established in law. Yet, key issues remain as Congress considers market structure regulations. The GENIUS Act recognizes stablecoins are not deposits and precludes stablecoin issuers from paying interest, rewards or yield. Other crypto players, notably exchanges, do not see this limitation applying to them. FBA has urged Congress to close this loophole, citing

FBA PRESIDENT & CEO “

KATHY KRANINGER

Digital assets are no longer on the fringe. Stablecoins provide a payment mechanism established in law.”

Upcoming Event Women in Leadership Conference

Orlando, Marriott Lake Mary Learn more: floridabankers.com/women April 9-10, 2026

WWW.FLORIDABANKERS.COM FEBRUARY/MARCH 26 | 3

Innovation as Our Imperative Banking Success in an Era of Change CHAIR’S MESSAGE

internet leader and organizational leadership expert Rod Beckstrom. To learn more about Beckstrom, check out his book — The Starfish and the Spider: The Unstoppable Power of Leaderless Organizations — or visit beckstrom.com. This year’s program has been thoughtfully designed to help you confront today’s most pressing challenges and harness emerging opportunities. You’ll gain valuable insight from Beckstrom and other top tier keynote speakers, and participate in timely sessions focused on fintech innovation, economic outlooks, regulatory shifts and leadership strategies driving success in an era defined by change. Yet, the Annual Meeting’s value goes far beyond the sessions themselves. The connections you make — whether during roundtables, networking receptions or collaborative workshops — strengthen the fabric of our industry. These interactions spark fresh ideas, deepen partnerships and reinforce our collective commitment to delivering exceptional value for the communities we serve. I encourage every Florida banker — from community leaders to industry executives — to register now and take part in this transformative experience. Join us as we define the State of Innovation and chart a course for success in the years ahead. Together, we will continue to shape a stronger, smarter and more innovative banking industry for Florida. See you in Aventura!

Innovation isn’t just a buzzword — it’s at the heart of modern banking. In an era marked by rapid technological advances, shifting customer expectations and evolving regulatory landscapes, Florida’s banking community has demonstrated remarkable resilience and creativity. As we look toward our upcoming Annual Meeting — themed, State of Innovation: Banking Success in an Era of Change — I’m inspired by the strides our industry continues to make and the opportunities that lie ahead. Today’s banking leaders must navigate a landscape shaped by digital transformation, data-driven decision making and heightened competitive pressures. Whether your institution is leveraging AI to enhance customer service, adopting new cybersecurity frameworks to safeguard data or reimagining operational models to improve efficiency — innovation remains the defining differentiator between responding to change and driving it. The FBA Annual Meeting — taking place June 7-10 at the stunning JW Marriott Miami Turnberry Resort & Spa in Aventura — is the premier forum for advancing these conversations and fueling progress across our state’s banking community. This four-day experience will be more than an event; it’s where visionary thinking will meet practical execution, and where inspiration will translate into action. We’re thrilled that our keynote speaker will be veteran Silicon Valley entrepreneur and investor, well-known cybersecurity authority,

KEITH COSTELLO FBA CHAIR

“

Today’s banking leaders must

navigate a landscape

shaped by digital transformation, data-driven decision-making and heightened

competitive pressures.”

Register Now! Our Annual Meeting:

Taking place June 7-10 at the JW Marriott Miami Turnberry Resort & Spa in Aventura — is the premier forum for fueling progress across our state’s banking community.

4 | FLORIDA BANKING

REGISTER NOW!

Anchor Bank A Story of Resilience, Growth and Community-Focused Leadership By Suellen Wilkins, Director of Marketing & Communications

W hen Anchor Bank opened its doors in 2005, its founders envisioned a legacy community bank rooted in Palm Beach County — a bank built on relationships, stability and local decision-making. But like many small financial institutions, Anchor soon faced a test it never expected: the 2009 financial crisis. What followed is a story not of collapse, but of revival. And at the center of that transformation are three leaders — President & CEO Nelson Hinojosa, Senior Vice President Barbara Moore and CFO Brian Cole — who navigated turmoil, seized opportunity and built a bank aiming to surpass the billion-dollar mark. A Legacy Disrupted – and a Turning Point When the crisis hit, Anchor struggled to recover. Classified loans mounted. Capital deteriorated. Several potential buyers conducted due diligence, only to walk away. The bank’s future looked uncertain — until a new name emerged: Nelson Hinojosa. Moore remembers the day Hinojosa arrived for his first in-person look at the books. “He came in by himself — no team, no consultants — and went through everything,” she recalls. “He interviewed every employee, reviewed every file. He didn’t just bring a vision; he brought a plan.” That plan became known internally as The Anchor Equation – a 1,000-day roadmap to restore the bank to safety and soundness. A countdown clock appeared on every employee’s monitor. Each morning, the team saw the number of days remaining in the turnaround. They beat their deadline ahead of schedule. For Hinojosa, who had spent over 20 years leading his family’s financial services group in Bolivia, Anchor represented more than a business opportunity. It was a strategic move to diversify against political risk in South America — but once he stepped into the CEO role, it quickly became far more than that. “I didn’t know Palm Beach. I didn’t know anybody here,” he says. “I thought the real challenge would be fixing the bank. But once we restored it, I realized the bigger challenge was just beginning — how to grow it.” A New Vision, A New Market As the leadership team looked ahead, they found opportunity in Palm Beach County’s fast-growing

and often overlooked Hispanic business community. Roughly a quarter of the county’s population is Hispanic, with even higher concentrations in Broward and Miami Dade. Yet few community banks were prepared to serve

these entrepreneurs with cultural fluency. Nelson was determined to change that.

“As the first Bolivian to lead a U.S. bank and the only Hispanic bank president in the county, I understood the barriers — language, cultural expectations, even misconceptions about debt,” he says. “We wanted to be the bank that meets customers where they are.” The bank began hiring bilingual lenders, implementing WhatsApp communication lines at every branch and spending time educating customers about formal financial documentation, credit and growth. These weren’t simply banking transactions — they were trust-building exercises. “We don’t just lend,” Nelson explains. “We counsel. We sit with clients and talk about their business model, their next steps and how financial tools can help them grow.” Challenge, Resilience and a High-Stakes Merger Just as the bank’s expansion strategy gained traction, two unexpected events struck: Hinojosa suffered a serious horseback riding injury and the COVID-19 pandemic hit shortly after. Yet even during his recovery, opportunity found its way in. A small institution in Broward County — Home Federal Bank — was seeking a merger partner. Home Federal had weathered its own share of challenges and for CFO Brian Cole, who had been with the bank since 1998, the lack of management support from ownership had left the institution stagnant. “We were treading water,” he admits. “Shrinking capital, no growth — we needed a partner.” The merger was unusual in several ways: a small bank acquiring another small bank, during a pandemic, amid a near nationwide freeze in M&A activity. Regulators had questions. So did Home Federal’s employees. And just weeks before approval, Anchor’s CFO departed for another opportunity. Nelson approached Cole about joining Anchor’s team — but he wasn’t yet convinced the merger would be approved. He ultimately declined the offer.

6 | FLORIDA BANKING

L to R: Anchor Bank CFO Brian Cole, President & CEO Nelson Hinojosa, SVP Barbara Moore and Strategy Officer Raul Guzman

But when the merger was finalized nine months later, Cole came aboard to lead Anchor’s core conversion project — a critical technological upgrade. Not long after, Anchor’s new CFO left and Cole stepped naturally into the role. Two years later, the partnership has become foundational to Anchor’s progress.

Coral Gables, establishing operations across three major South Florida counties: Palm Beach, Broward and Miami-Dade. That growth, combined with the bank’s differentiated market approach, began catching the eye of larger institutions. Anchor soon secured strategic partnerships with Bank of America, the MDI Keepers Fund and the Mission Driven Bank Fund, providing capital to accelerate future expansion. The numbers tell a striking story. When Nelson joined Anchor, the bank held roughly $100 million

Growing Across Three Counties – and Attracting National Attention

Following the merger, Anchor entered a new phase of expansion. In 2022, the bank opened a branch in

Anchor Bank, Continued on page 8

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Anchor Bank, Continued from page 7

Community Engagement with Impact While Anchor continues to participate in classic community-banking events, such as document-shredding days, the team has shifted toward targeted engagement that reflects its evolving customer base. Their recent participation in a Hispanic Business Summit — attended by over 200 entrepreneurs — illustrates this direction. The bank’s leadership spoke on economic trends, capital access and the unique opportunities emerging within Palm Beach’s fast-growing Hispanic business ecosystem. A Culture Built on Passion – and a Team United by Purpose As SVP Barbara Moore sees it, one quality more than any other defines the team: passion. “You can’t do this work well without loving it,” she says. “We’ve met every goal ahead of schedule. That’s because the team believes in the vision – and in Nelson’s leadership.” For Cole and Moore, the journey also carries deep personal meaning. Both leaders lived through the near-failure of their respective institutions — only to later help rescue another bank through the Anchor Home Federal merger. “We knew what it felt like to be saved,” Moore says. “And we got the chance to pay that forward.” More than a Bank: A Mission Looking back, Hinojosa reflects on the importance of community banking – and why it still matters. “Community banking teaches you everything. You wear many hats. You learn about different industries. You meet different people. And you make a real impact,” he says. “This work is meaningful — and if you’re passionate about it, there’s nothing more rewarding.” Anchor Bank’s story is one of resilience, renewal and bold ambition — from navigating crises and building a tri-county presence to setting its sights on the billion dollar horizon. It is also a testament to the power of leadership grounded in strategy, humility and heart. As the bank moves into its next chapter, one thing is clear: Anchor is no longer a turnaround story. It is a growth story — one rewriting what a community bank can be in the modern era.

in assets. At the time of the merger, assets were around $250 million. Today, the bank has surpassed $560 million — exceeding its three-year “Scale 500”

strategic goal a full year early. Leadership, Innovation and “Walking the Talk”

For a bank of its size, Anchor offers an unusually sophisticated product portfolio. The team points to loan swaps, balance-sheet swaps, factoring, warehouse lending and a robust suite of commercial credit tools not often found in community institutions. “We’re not your standard community bank,” Cole says with a smile. Hinojosa’s leadership philosophy — strategic, resilient, results-oriented and innovative — drives that mindset. “We can’t just say we offer personalized service. We must walk the talk,” he explains. “High touch and high tech — that’s our model.” He points to an example: Anchor was one of the first community banks in Florida to adopt Zelle, pushing early for integration even when their core processor questioned why a small bank needed it. “If customers are going to leave a big bank for us, we must offer the same tools,” Hinojosa says. “Or better.” A Strong Voice in Florida Banking Anchor’s growing influence extends well beyond its customer base. Hinojosa joined the FBA Board of Directors shortly after the merger — a period marked by pandemic restrictions and unusually intimate advocacy meetings with state and federal leaders. His role on the Tier 1 Committee and Executive Committee connected Anchor with industry peers of every size — from small community banks to global institutions. “It was a chance to voice the needs of small business-focused banks,” Hinojosa says. “And it helped us bring those insights back to our customers.” The Road Ahead: Reaching a Billion – and Beyond With the “Scale 500” plan achieved, Anchor recently finalized its next strategic direction: Height Billion (2026 28). The goal is ambitious, yet clearly within reach. “We’re going to be a billion-dollar bank,” Hinojosa says confidently. “I can’t say whether it will be $1.2 or $3 billion — but we will get to the billion level.” Growth may include both organic expansion and opportunistic out-of-state acquisitions — especially where Anchor’s model can serve overlooked business communities.

8 | FLORIDA BANKING

Nelson Hinojosa Jimenez , Chairman of the Board and CEO

A resident of Jupiter, Fla., Nelson Hinojosa Jimenez is a cum laude graduate of the University of Notre Dame with degrees in finance and business economics. He is also a graduate of the CEO Leadership Program at the University of Pennsylvania’s Wharton School. With over 30 years of experience in the financial field and 27 years in the banking sector, Hinojosa was General Manager and CEO of Banco Fortaleza S.A. (Bolivia) until 2018. He has over 16 years of experience in the insurance sector, holding positions from General Manager

to Managing Director in Fortaleza Seguros y Reaseguros S.A. (Bolivia). Banco Fortaleza S.A. and Fortaleza Seguros y Reaseguros S.A. are member companies of Grupo Financiero Fortaleza, a financial services group focused on small and medium-sized businesses. Hinojosa was a board member of the Bolivian stock exchange in 1993 and Vice President of the Bolivian Broker Dealer Association in 1996. He was President (2011 and 2012) of the Bolivian Microbanking Association (Asociación de Entidades Financieras Especializadas en Microfinanzas-ASOFIN) and President (2013 and 2014) of the Bolivian Insurance Association (Asociación Boliviana de Aseguradores ABA), which incorporates all the life, property and casualty insurance companies in Bolivia. Hinojosa is a Trustee for the Palm Beach North Chamber of Commerce and serves on the corporate board for Jupiter Medical Center. He was an FBA Board member from 2021 to 2025 and served two terms on the FBA Executive Committee; was named one of the South Florida Business Journal’s 2021 Power Leaders in Banking; and has been a Board member of the Economic Council of Palm Beach County since 2021. In October 2021, the National Chamber of Commerce of Bolivia awarded Hinojosa the Medal of Managerial Career and recognition of Institutional Merit. This is the highest distinction made by the CNC-Bolivia in recognition of his contributions to the national economy and the business sector. He led the merger of Anchor Bank with Home Federal Bank of Hollywood in 2021 and, in 2023, established strategic partnerships with Bank of America, the MDI Keepers Fund and the Mission Driven Bank Fund. In 2025, he was appointed to the ICBA’s Minority Bank Advisory Council and Legislative Issues Committee.

Brian Cole , CFO

Brian Cole is Executive Vice President and Chief Financial Officer of Anchor Bank and Anchor Bancorp. A resident of Palm Beach County since 1997, he brings nearly 40 years of experience in banking and financial management.

Cole assumed the role of CFO of Anchor Bank in 2025 after joining the organization in 2021 following the merger with Home Federal Bank of Hollywood, where he served as Chief Financial Officer from 1998 to 2021. Earlier in his career, Cole spent a decade as Chief Financial Officer of Turnberry Savings and Loan. He served on the boards of both companies while also holding the positions of CFO, Corporate Secretary and Treasurer. Cole brings deep expertise in asset-liability management, financial risk assessment, regulatory compliance and operational leadership. He earned a bachelor of science degree in accounting from the University of Florida and a master’s degree in accounting from Nova Southeastern University.

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Session is Over – Now What? GOVERNMENT RELATIONS

union. Many do not understand the difference. They simply think both entities do the same sort of business and there really is no difference. You can also attend an FBA lunch or Leadership Dinner to solidify these relationships. However, you cannot wait until Session and a Call to Action to do any of this, because it will be too late. Another way is to commit time and treasure to a campaign. I cannot tell you the number of times I have heard a story where a local banker was one of the first supporters in an election and the legislator never forgot that support. Unfortunately, many legislators do not know their local bankers. There is no reason for this. Even lawmakers who may not always vote with us must hear from a local banker or they will never vote for us. Remember, we are here to advocate for banking, not other issues. We have had liberals and conservatives who will not agree on much else, but have supported our issues. You also have boards of directors and employees who know elected officials. Please make sure to take advantage of this great resource to tell our story. Finally, be sure to attend Capitol Day and a D.C. Trip. Legislators take notice when a banker comes all the way from home to meet with him or her. They know you have taken the time to inform them about issues that are important to our industry. However, the meeting will be even more beneficial if you have gotten to know the legislator prior to coming to Tallahassee or D.C. Passing good bills and stopping the bad ones is a full-time job. Elected officials need to hear from our industry. We need you to help tell our story.

The 2026 Regular Session will be in full swing when you read this article. At least one Special Session will occur in April, with several more rumored for the near future. The FBA will fight for and against a variety of bills this Session. Others, we will amend to make better. It is a full 60-day battle on a variety of issues affecting our members. But what about after the Session ends? What happens then? This is where you come in, to help get our message across to elected officials, because nothing is as powerful as a local banker telling his or her story of work in the community and how we make our customers’ dreams come true. We need you to help our industry by telling “our story” to our elected officials. Our industry must also do a better job getting to know our elected officials before they vote in Tallahassee and Washington, D.C. Much of our success in past years was tied to a legislator telling us they knew their local banker, who said they were for or against an idea. It does not matter whether you work in a small or large bank. Legislators want to get to know and learn from their constituents. They want to better understand how banks work and what they do to improve the lives of their constituents. Getting to know them is a year-round commitment, but it is not hard to do. You can get to know them after they are elected. Talk to your elected official at an event you are attending. It can be a church event, a non-profit board, or having a cup of coffee with them. Take time to have them come to the bank and meet your staff and board and let them know what issues are important to us. You can also explain to them the difference between a bank and a credit

ANTHONY DIMARCO FBA EXECUTIVE VICE PRESIDENT AND DIRECTOR OF GOVERNMENT AFFAIRS “

We need you to help our industry by telling ‘our story’ to our elected officials.”

Upcoming Event Consumer Compliance Conference

Orlando Marriott Lake Mary Learn more: floridabankers.com March 10-12, 2026

10 | FLORIDA BANKING

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ceisreview.com | 888-967-7380

how we can tailor our services to meet your specific needs.

WWW.FLORIDABANKERS.COM FEBRUARY/MARCH 26 | 11

Navigating AI Use How to Manage Third-Party Risk Without Stifling Your Bank’s Growth NCONTRACTS

RAFAEL DELEON SENIOR VICE PRESIDENT, INDUSTRY ENGAGEMENT,

and generate “hallucinations” – outputs that appear credible but are not factual. When these issues originate within third party relationships, the impact lands on your bank, your customers and your reputation. Where Third-Party AI is Hiding The first challenge is visibility. Not all AI use is obvious, and much of it operates quietly in the background. Banks and their vendors often use AI in anti money laundering and counter-terrorist financing, where transaction-monitoring tools identify suspicious activity and unusual patterns. AI is also common in enterprise platforms such as Microsoft Dynamics to support fraud detection, workflow automation and customer insights. Credit scoring and loan underwriting platforms rely on AI models to assess risk and inform decisions. Effective oversight starts by asking which vendors have your data, how it’s used, who can access it and what decisions AI influences or makes. Once you understand where AI exists across vendor relationships, you can assess the specific risks those systems introduce and determine where additional controls are needed. Data privacy and security are often the most significant risk areas. Vendors should be able to clearly document their security controls, including encryption standards, access management, and incident response procedures, so expectations are clear before an incident occurs. Banks often learn about vendor breaches from third parties — a clear breakdown in transparency.

The way your bank uses artificial intelligence (AI) extends far beyond your walls and internal systems. Every day, your vendors — and their vendors — are using AI to support your operations, services and customers. While nearly two-thirds of financial institutions with assets under $1 billion monitor their vendors' AI usage, understanding how and where it’s being used, where your data lives, and how it's being deployed is becoming more challenging. As threat actors grow more sophisticated and banks become more dependent on third-party providers, the risk surface continues to expand. The challenge isn’t choosing between innovation and control. It’s putting the right guardrails in place — clear expectations, meaningful transparency and ongoing oversight — so you can harness AI’s value without losing visibility into third-party risks. The Promise and the Peril of AI More than half of financial institutions with assets under $1 billion rely on just one or two people to manage their third-party risk programs, and nearly a third lack a dedicated full-time resource overseeing third-party risk management (TPRM). For community banks with lean teams managing dozens or even hundreds of vendor relationships, AI offers real advantages: streamlining operations, accelerating document processing and contract reviews, and flagging potential risks faster. But those gains come with tradeoffs. AI can introduce biased outcomes, expose sensitive data, create compliance gaps,

NCONTRACTS “

The first challenge is

visibility. Not all AI use is obvious, and much of

it is operating quietly in the background.”

12 | FLORIDA BANKING

Compliance risk emerges when vendors fail to follow regulatory requirements, and they become your compliance issues. The risk is amplified by black-box AI models that can’t explain their outputs, especially in credit decisioning, where fair lending demands transparency. Operational risk arises when failures in processes or systems disrupt normal operations. The July 2024 CrowdStrike incident showed how a single vendor’s inadequately tested update could cause widespread disruption. When AI-related outages occur within third party platforms, the impact is immediate — and your customers experience it firsthand. Black-box risk carries real regulatory consequences. When lenders rely on opaque, machine-generated algorithms to approve or deny credit, they may be unable to explain or defend those decisions — creating significant fair lending risk even when discrimination is unintentional. Building Your Defense Start by making transparency non-negotiable. Whether you’re onboarding a new vendor or reassessing an existing one, you need clear, direct answers about how AI is used. What data trains the models? How are decisions made? What controls exist to detect and mitigate bias? If a vendor hesitates, anchor the conversation in shared exposure — regulators will hold both parties accountable. Next, look at your contracts. Vendor agreements should require documentation of AI decision-making processes, data sources, training methods, and bias monitoring practices. If existing contracts predate widespread AI use, don’t wait for renewal. Negotiate addenda to close visibility and control gaps. Ongoing oversight also matters. For higher-risk vendors, schedule quarterly reviews to confirm what’s changed — new AI features, security incidents, or shifts in data handling. Lower-risk vendors should still be reviewed annually. During onboarding, apply rigorous due diligence by collecting SOC reports, incident response plans, compliance certifications, financials and documentation that explains not just what the system does but how it works. Finally, ensure AI augments — not replaces — human judgment. Keep subject-matter experts involved,

test models regularly for bias and drift, and maintain accountability for decisions that carry regulatory or customer impact. Maintaining a Healthy Risk Appetite While Maximizing Strategic Value Managing risk is essential, but it isn’t the whole story. When deployed intentionally, AI can create strategic value. The key is aligning its use with your institution’s risk tolerance and operational realities. Your board-approved risk appetite should anchor decisions about AI and third-party relationships. A well-defined risk appetite statement sets boundaries across lending, technology, and operations — and should explicitly address where and how AI is acceptable. That guidance matters because AI introduces tradeoffs. For example, AI in credit scoring can speed up decisions and surface creditworthy borrowers that traditional models might overlook. But if outputs are flawed or discriminatory, the exposure is immediate. A clear risk appetite helps determine where AI adds value and where risk outweighs reward. Beyond risk management, third-party AI can deliver measurable operational benefits. Predictive analytics can reveal underserved markets and inform product strategy. Automated contract review reduces manual effort while improving consistency. AI-enabled customer service can handle routine inquiries, freeing staff to focus on complex, high-touch issues. Used thoughtfully, AI supports efficiency and growth without The banks that succeed in 2026 and beyond won't reject AI or adopt it without discipline. They'll move deliberately, weighing opportunity against risk and staying focused on serving customers and communities well. AI isn’t going away. The question is whether your bank will harness its value and protect what matters most: your bottom line and your customers’ trust. compromising control. The Path Forward

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Celebrating Our FBEF Donors Join us in making an impact

“

The Florida Bankers Educational Foundation (FBEF) extends heartfelt thanks to our donors through Dec. 22, 2025, in support of the 2025-26 fiscal year.* Your generosity provides scholarships, fuels professional growth and builds a stronger future for our industry. Every gift advances our mission – and there’s always room to grow. If you haven’t contributed yet, we invite you to join this community of supporters.

Together, we’re investing in education, advancing careers and shaping the future of Florida banking.”

INB, N.A., Gaby Cioli Intercredit Bank, N.A., Mario Oliva Intracoastal Bank, Ryan Page

First National Bankers Bank, Chris Alexander Charlie Brinkley Rob Trott The First National Bank

Citizens Bank & Trust, Greg Littleton City National Bank of Florida, Jorge Gonzalez Colony Bank, Edward Canup Community Bank,

Amerant Bank, N.A., Jerry Plush American Bankers Association, Tyler Wong Anchor Bank, Nelson Hinojosa Anthem Bank, Rodger D. Shay, Jr. Axiom Bank, Ross Breunig Banesco USA, Calixto Garcia-Velez BankFlorida, James S. Stalnaker, Jr. Clara Diaz-Lial Barwick Bank, James J. Bange BOND.AI, Adam Montgomery Mark Agostinelli Busey Bank, Sean Gallagher Caldwell Trust Company, Kelly Caldwell, Jr. Capital City Wealth, William L. Moor, Jr. Central Bank, John Thompson Century Bank of Florida, Jose Vivero BankUnited, Tom Cornish

of Mount Dora, Robert D. White First State Bank of the Florida Keys, Gary Carney

Locality Bank, Keith Costello Luse Gorman, PC, Zac Davis

Jason Crowe Fred Leopold Sawyer Taylor Justin Woodard Linnette Wolfgram Community Bank of the South, William T. Taylor Crews Bank & Trust, James W. Crews, Jr. CRS Data, Matthew Russell Cypress Bank & Trust, Dana Kilborne Elliott Davis, Lauren Nilan EverBank, Greg Seibly First Bank of Clewiston, Mark Deitz First Foundation Bank, Garrett Richter First Horizon Bank, Mario Trueba First National Bank Coastal Community, Shaun E. Williams

FirstBank Florida, Jose Maria Lacasa FIS, Pamela Acciardo Flagship Bank, Anthony DiTinno Flagship Bank, David B. Key Florida Bankers Association, Kathy Kraninger Florida Capital Bank, Keith Perry Grove Bank & Trust, Jose E. Cueto Gulf Coast Business Bank, Bill Blevins Gulfside Bank, Dennis B. Murphy HC3, Catherine Holden ICI Consulting, Inc., Keith Hagen

Madison County Community Bank, Edward Meggs Mainstreet Community Bank of Florida, W. Ben Flowers NFP Executive Benefits, Joe Schaefer Ocean Bank, Alfonso A. Macedo One Florida Bank, Frederick G. Pullum Pacific National Bank, Carlos Fernandez-Guzman Maria Elena Fernandez Guzman Popular Bank, Israel Velasco Portrait Bank (In Organization), Jay Darulla Raymond James Bank, N.A., Amanda Stevens

14 | FLORIDA BANKING

Valley Bank, Jeffery W. Klink Courtenay Marshall

Surety Bank, Ryan G. James TC Federal Bank, Nat Higdon TCM Bank, NA, Jacob Eisen Terrabank, N.A., Antonio Uribe Trustmark National Bank, John D. Sumrall U.S. Century Bank, Luis de la Aguilera United Southern Bank, Connie Nelson Valley Bank, Jeff Armstrong United Southern Bank, Greg L. Nelson

Renasant Bank, Eric Navarre Saltmarsh, Cleaveland & Gund,

Waterfall Bank, Kevin Darmody Winter Park National Bank, David A. Dotherow

Kristen Stogniew Justin Strickland Sanibel Captiva Community Bank, Kyle D. DeCicco ServisFirst Bank, Gwynn Davey SouthState Bank, John Corbett STS Group, Ben Sellers Adam Stephens Sunrise Bank, Barry Griffiths Sunstate Bank, Lloyd DeVaux

A COPY OF THE OFFICIAL REGISTRATION AND FINANCIAL INFORMATION MAY BE OBTAINED FROM THE DIVISION OF CONSUMER SERVICES BY CALLING TOLL-FREE 800-435 7352 WITHIN THE STATE. REGISTRATION DOES NOT IMPLY ENDORSEMENT, APPROVAL OR RECOMMENDATION BY THE STATE. www. FloridaConsumerHelp.com & Consumer Services, Registration #CH7621. Contributions to the FBEF are tax-deductible. Organized in 1956, the FBEF continues to help bankers throughout Florida. If you are interested in making a tax-deductible contribution to the FBEF, contact Letty Newton at 850-701-3522, lnewton@ floridabankers.com, or PO Box 1360, Tallahassee, FL 32302-1360. For information about applying for FBEF funding, please go to www.floridabankers. com/FBEF. *Company and contact names are listed as they were at the time the donation was made. The FBEF is a 501(c)(3) non-profit corporation registered with the Florida Department of Agriculture

Are you ready for your next step? At the ABA Stonier Graduate School of Banking, learn from the top minds in leadership development and join the ranks of Ivy League-educated banking leaders. Take strides with our powerful program: apply by May 1, 2026 . Join us at the University of Pennsylvania on May 28-June 4, 2026, to develop an elite and lasting professional network.

aba.com/StonierFL

WWW.FLORIDABANKERS.COM FEBRUARY/MARCH 26 | 15

BankPac Shaping the Future of Florida Banking

Your support strengthens our collective voice in Tallahassee and Washington, ensuring the interests of Florida’s banking industry are heard and represented. Together, we’re making a meaningful impact for the future of our profession.

We extend our sincere gratitude to these bankers and industry partners who have contributed to BankPac in 2025. Contributions received between January 1 and December 22 total $271, 263!

Anthem Bank

Sherry B. Kelley Greg Littleton Robert A. Loftin

Michael A. Greenhoe Lisa A. Hobson June A. Howard David B. Lowden Susan Nasworthy Kim S. Nyberg Matthew A. Overmyer Patrick J. Philbin Audra Ramsay Geoffrey W. Roepstorff

All in For Advocacy Thank You for Your Full Board Support! • Central Bank • Community Bank of the South

Rodger Shay

Banesco USA Bank of America Bank of Belle Glade Stephen Prielozny BankFlorida

Vaughn H. McAshan Stephen McCullough William G. Middleton Bonnie B. Parker Richard J. Sudol Jinx Wilson Chaney

Zach Maggard Bud Stalnaker

• First Bank, Clewiston Contact Cheryl Tucker,

Barwick Bank BayFirst Bank Busey Bank Cadence Bank

Citizens First Bank City National Bank of Florida McHenry Kane Community Bank

ctucker@floridabankers.com , when your institution achieves 100% board member BankPac contributions.

Robbie B. Roepstorff Richard H. Shera, Jr. Florida Gulf Coast University Shelton Weeks First Bank, Clewiston Mary Hilliard Carroll Andrew Couse Miller Couse Earle E. Edwards, III Andrew J. Higginbotham Carey Soud Tuesday Tritt Jaime Weisinger First Colony Bank of Florida Ralph A. Betancourt Robert Godwin Edward E. Haddock, Jr. Bruce W. May Donald W. McIntosh, Jr. First Federal Bank Robert Hughes Jeff Oody First Foundation Bank Garrett Richter First Horizon Bank Melisa Ainley First National Bank Coastal Community Nicole Jones Shaun E. Williams First National Bankers Bank Chris Alexander Karl E. Larsen Tommy Perry Domingo Sanchez Thomas J. Sheehan Mark W. Ziebarth

Lourdes Mendes

Jason Crowe Fred Leopold Linnette Wolfgram Justin Woodard

Charlie Brinkley Robert L. Trott First State Bank of the Florida Keys Lori J. Bailey Frank V. Bervaldi

Caldwell Trust Capital City Bank Group Thomas A. Barron Stanley W. Connally, Jr.

Community Bank of the South Harold T. Bistline

Bonnie J. Davenport J. Kimbrough Davis William G. Smith, Jr. John J. Wahlen

Gary L. Carney Christine Carr Luis E. Cobo Markus E. Jakobson T. Mark Jones Thomas F. Lackey Ana L. Madruga Lori E. Menendez Randy W. Moore Michael S. Morrow Robert Murrell Anthony Pappion Jack Spottswood

Stephen D. Crisafulli Kevin P. Markey Kevin B. Steele William T. Taylor Carlos K. Woodward

Central Bank

Scott Amatuccio David Edgar Scott Kohler Arvind Patel Dinubhai Patel Jayesh D. Patel Jayesh K. Patel Jiten Patel Mahendra Patel

Crews Bank & Trust Dena A. Crews J.W. Crews, IV

James W. Crews, Jr. Matthew A. Crews Patrick M. Crews W. Mark Crews Keelin C. Stauffer

Nilesh Patel Rajesh Patel Shilen Patel Vijay Patel Anand Sabapathy John Thompson Century Bank of Florida Gabriel Vivero CFT, International Connie Laguna Citizens Bank & Trust Brian Bracey

John M. Spottswood, III Robert A. Spottswood William B. Spottswood, Sr.

Crowe LLP

Laura Snyder Cypress Bank & Trust Dorsey Consulting, LLC Joseph Dorsey Edison National Bank John P. Ammons, II Elizabeth C. Aurensan Greg J. Blurton

Jennifer Waddell Angie Walterson Michael Zwerner

FirstBank Florida Flagship Bank Ken Bailey David Brandon

Karen M. Brazelton Beth Countryman Lenor Cross Christina M. DePari David M. Duvall

Anthony DiTinno Ronald Hockman

Steven E. Crisman Marianne F. George Cindy Henry

David Key Mark Klein

16 | FLORIDA BANKING

Ken Marks Robert McGivney Theresa Moss Joseph Oliveri Nick Patel Joan Amy Perdek

One Florida Bank PNC Bank, NA

Chuck Colwill Todd Cordell Kalynn Craven Stephanie Dahl Jennifer Denney Brett Divers Tim Donaldson Renee Ervin Michael Eubanks Pat Fain Preston Farrior Dave Feeman Jim Ferman John Fillingim Angelina Garcia Angela Gardner Scott Gault Lauren Gibson Donovan Glaister Erin Hesbeens Oscar Horton Wesley Joyner Kyle Keith Bill Kent Malorie Kent Aenoi Kounlavong Mike Krieg Cathy Harris Gary Harrod Leslie Harst

Lee Pierson Stacey Pittman Mark Poppell Susanne Powers Roger Rivard Carly Ross Joe Salamone Barbara Scott Jim Scott Reade Sevigny Anne Shaughnessy Donald Stine James Stock John Stump Simon Sumner Debbie Swezey Frank Territo James Tollerton John Touchton Darrell Turner Billie Valloreo Debbie Viveiros Edyta Votour Chad Wammock Pamela Warnock Ashley Watters Bill West Paul Whiting Polly Wiggins Blake Williams

Cressman Bronson Prime Meridian Bank Montè Ward Qualtik Alex Orlando Raymond James Bank Cameron O’Connell Renasant Bank Raj Adhikari Retriever Payment Systems Renee Krieger Saltmarsh Paul Allen Kristen Stogniew Sanibel Captiva Community Bank Seacoast Bank ServisFirst Bank Tom Broughton Greg Bryant Rex McKinney Rodney E. Rushing Shazam Patrick Dix Smith, Mackinnon, P.A. Jack P. Greeley Sunstate Bank Yvonne Debesa Lloyd DeVaux David A. Lieberman Surety Bank Ryan James Synovus Financial Corporation Sarah Butcher The Bank of Tampa Tammy Amburgey

David Rhodes Brent Sembler Christopher Sprowls Paul J. Wikle Florida Bankers Association Anthony DiMarco David Garner Terry Hughes Kathy Kraninger Great North Bank Moyle Fritz Tracy Keegan Grove Bank & Trust Gulf Coast Business Bank Gulfside Bank Tim Clarke

Jennifer Compton P. Compton Cramer N. Rogan Donelly Robert A. Gates Teri A. Hansen Frank John Lacivita Dennis B. Murphy Sam D. Norton Michael R. Pender, Jr. Charles W. Rush Drayton A. Saunders Jeff Saunders

Mallory Kuba Jeni La Paglia Owen LaFave Charlton Laird Rob Lane Alison LaPoint Tom Lee Toby Lincoln Jonathan Locklear Rick Lott Tim Mann Joe Marshburn Cristina Martinez Si McAninch Terry McFatter Susan Miller Judy Mitchell Sebastian Mrowczynski Charlie Murphy Corey Neil David Newberry Tom Oliver Dotti Overton Edna Owens Shaun Parrella

Dave Zillig Ryan Zsiga

TIB, N.A.

Cheryl Westermann

Intracoastal Bank JPMorgan Chase Michael Bennett Keynote Speaker Aron Ralston Locality Bank Keith Costello

Truist Bank

Tom Pennekamp

United Bank United Community Bank, Inc. Pamela Griffin United Data Technologies Mike Sanchez United Southern Bank Kasey Hobbs Connie Nelson Gregory L. Nelson U.S. Bank U.S. Century Bank Luis de la Aguilera Valley Bank Jeff Armstrong Vista Bank Wells Fargo Bank, N.A. Aprill Blanco Derek Jones Winter Park National Bank Sid Cash

Ed Armstrong Antonio Azorin Cecile Bare

Madison County Community Bank Mainstreet Community Bank of Florida Paul Allen Renee Rogers Paul Rountree Mauldin & Jenkins, LLC Dianne Kopczynski Nelson Mullins LLP Robert Klingler New Edge Associates Yesenia Moreno NFP Executive Benefits Joseph Schaefer W. Ben Flowers, Jr. Randall J. Marshall

Suzy Bateman Doug Bishop Edward Teddy Bixby Bob Blanchard Bryan Bourdeaux Matthew Boyd Jonathan Browy Jon Bui Mitch Burley Matthew Buzza Lisa Carlton

Melissa Carner Greg Celestian Ken Cherven Aric Chevtaikin Cathy Collins

Sarah Peet Zane Petty Kris Phillips

WWW.FLORIDABANKERS.COM FEBRUARY/MARCH 26 | 17

Capitol Day + Capitol Night Florida Bankers Make an Impact in Tallahassee

and partners for an evening of networking and relationship building at the beautiful Goodwood Museum & Gardens. The events were a great opportunity to strengthen connections and continue important discussions inside and outside the Capitol halls. Many thanks to our sponsors, and to everyone who participated and helped make this year’s Capitol Day + Capitol Night a success for Florida banking!

Florida bankers made a strong impact in Tallahassee yesterday during Capitol Day + Capitol Night, where FBA members from across the state came together to advocate for our industry and connect with lawmakers. During Capitol Day, bankers met with legislators to discuss key issues affecting Florida’s financial institutions and the communities we serve. The event concluded with Capitol Night, bringing together bankers, elected officials

Kickoff Networking: the FBEF Welcome Reception

The Florida Bankers Educational Foundation (FBEF) Welcome Reception, hosted at Table 23, set the tone for a powerful week in Tallahassee by bringing Florida bankers together the evening before Capitol Day + Capitol Night. Thanks to the generous donations of our attendees and sponsors, as well as our Friends of the Foundation — David Key, Flagship Bank; Keith Hagen, ICI Consulting; and Robb Trott, First National Bankers Bank — this year’s Welcome Reception raised over $8,000 for scholarships! We appreciate your support of the Foundation’s mission to advance careers in banking through education.

18 | FLORIDA BANKING

BANCSERV ENDORSED PARTNERS

BANCSERV ENDORSED PARTNERS BANCSERV ENDORSED PARTNERS

Provides community bankers with quality investment products, services and education at competitive prices through their exclusively endorsed broker Stifel. Provides community bankers with quality investment products, services and education at competitive prices through their exclusively endorsed broker Stifel. Jim Reber, (800) 422-6442 jreber@icbasecurities.com Supports financial institutions by providing core processing assessments, vendor evaluations, contract negotiation and conversion services. Keith Hagen, (850) 640-2244 keith.hagen@ici-consulting.com Supports financial institutions by providing core processing assessments, vendor evaluations, contract negotiation and conversion services. Keith Hagen, (850) 640-2244 keith.hagen@ici-consulting.com Hold core deposits, attract new customers, and increase share-of-wallet with a top-rated, cobranded HSA solution. Hold core deposits, attract new customers, and increase share-of-wallet with a top-rated, cobranded HSA solution. Jim Reber, (800) 422-6442 jreber@icbasecurities.com Jim Reber, (800) 422-6442 jreber@icbasecurities.com

Provides FL banks access to competitive benefits while enjoying greater flexibility, reduced financial risk, & technology that eases administrative burden. Stephanie Boomgaarden, (407) 515 2467 sboomgaarden@selectsourceone.com Provides FL banks access to competitive benefits while enjoying greater flexibility, reduced financial risk, & technology that eases administrative burden. Stephanie Boomgaarden, (407) 515 2467 sboomgaarden@selectsourceone.com A high-quality agent credit card program that will enhance the payment relationships of banks with their customers. A high-quality agent credit card program that will enhance the payment relationships of banks with their customers. Karen Grahn, (205) 949-0302 kgrahn@servisfirstbank.com The only nationwide independent, member-owned debit network, processor and core provider supporting community banks. Alex Jernigan, (229) 861-3802 jjernig@shazam.net The only nationwide independent, member-owned debit network, processor and core provider supporting community banks. Alex Jernigan, (229) 861-3802 jjernig@shazam.net Leading provider of bank security services and branch automation equipment in the southeast. Adam Stephens, (256) 957-8018 adams@stsgrp.com Leading provider of bank security services and branch automation equipment in the southeast. Adam Stephens, (256) 957-8018 adams@stsgrp.com Vericast helps banks grow relationships, boost deposits, and drive smarter marketing through data-powered, customer-first solutions. Vericast helps banks grow relationships, boost deposits, and drive smarter marketing through data-powered, customer-first solutions. Bill Lopez, (305) 609-2757 william.lopez@vericast.com Bill Lopez, (305) 609-2757 william.lopez@vericast.com Karen Grahn, (205) 949-0302 kgrahn@servisfirstbank.com

Primary and Excess Insurance Solutions for Banks of All Sizes Patricia Williams, (800) 274-5222 pwilliams@abais.com Primary and Excess Insurance Solutions for Banks of All Sizes Patricia Williams, (800) 274-5222 pwilliams@abais.com Web-based platform, designed to streamline the marketing production process for banks of all sizes. Neal Reynolds, (678) 528-6688 nreynolds@bankmarketingcenter.com Primary and Excess Insurance Solutions for Banks of All Sizes Patricia Williams, (800) 274-5222 pwilliams@abais.com Web-based platform, designed to streamline the marketing production process for banks of all sizes. Neal Reynolds, (678) 528-6688 nreynolds@bankmarketingcenter.com Web-based platform, designed to streamline the marketing production process for banks of all sizes. Neal Reynolds, (678) 528-6688 nreynolds@bankmarketingcenter.com Earn interest income effortlessly — buy fully amortizing, fixed-rate loans from top-tier borrowers without the cost or hassle of originations. Melissa Whelan, (315) 559-7641 melissa@bhg-inc.com Earn interest income effortlessly — buy fully amortizing, fixed-rate loans from top-tier borrowers without the cost or hassle of originations. Melissa Whelan, (315) 559-7641 melissa@bhg-inc.com Earn interest income effortlessly — buy fully amortizing, fixed-rate loans from top-tier borrowers without the cost or hassle of originations. Melissa Whelan, (315) 559-7641 melissa@bhg-inc.com Offers a comprehensive suite of services including: Compliance Hub, Virtual Partners, and Tailored Solutions. (888) 353-3933 info@compliancealliance.com Offers a comprehensive suite of services including: Compliance Hub, Virtual Partners, and Tailored Solutions. (888) 353-3933 info@compliancealliance.com Offers a comprehensive suite of services including: Compliance Hub, Virtual Partners, and Tailored Solutions. (888) 353-3933 info@compliancealliance.com Provides a full line of insurance products targeted specifically to meet the wide ranging needs of financial institutions. Brandon Maggard, (502) 736-1298 bmaggard@fbains.com Provides a full line of insurance products targeted specifically to meet the wide ranging needs of financial institutions. Brandon Maggard, (502) 736-1298 bmaggard@fbains.com Provides a full line of insurance products targeted specifically to meet the wide ranging needs of financial institutions. Brandon Maggard, (502) 736-1298 bmaggard@fbains.com Offers CRA Education & Training, CRA Support Services, the CRA Collaborative Peer Group, and CRA qualified loans, investments and services. Kristine LaVigna, (901) 529-4781 kristine.lavigna@icba.org Offers CRA Education & Training, CRA Support Services, the CRA Collaborative Peer Group, and CRA qualified loans, investments and services. Kristine LaVigna, (901) 529-4781 kristine.lavigna@icba.org Offers CRA Education & Training, CRA Support Services, the CRA Collaborative Peer Group, and CRA qualified loans, investments and services. Kristine LaVigna, (901) 529-4781 kristine.lavigna@icba.org

Provides community bankers with quality investment products, services and education at competitive prices through their exclusively endorsed broker Stifel.

Provides FL banks access to competitive benefits while enjoying greater flexibility, reduced financial risk, & technology that eases administrative burden. Stephanie Boomgaarden, (407) 515 2467 sboomgaarden@selectsourceone.com

Supports financial institutions by providing core processing assessments, vendor evaluations, contract negotiation and conversion services. Keith Hagen, (850) 640-2244 keith.hagen@ici-consulting.com

A high-quality agent credit card program that will enhance the payment relationships of banks with their customers.

Karen Grahn, (205) 949-0302 kgrahn@servisfirstbank.com

The only nationwide independent, member-owned debit network, processor and core provider supporting community banks. Alex Jernigan, (229) 861-3802 jjernig@shazam.net

Adam Berry, (208) 724-0309 adam.berry@livelyme.com Adam Berry, (208) 724-0309 adam.berry@livelyme.com Hold core deposits, attract new customers, and increase share-of-wallet with a top-rated, cobranded HSA solution. Adam Berry, (208) 724-0309 adam.berry@livelyme.com

Connects enterprise risk, compliance, vendor oversight, business continuity, and more, in one platform. Corey Polom, (413) 374-5467 corey.polom@ncontracts.com Connects enterprise risk, compliance, vendor oversight, business continuity, and more, in one platform.

Connects enterprise risk, compliance, vendor oversight, business continuity, and more, in one platform. Corey Polom, (413) 374-5467 corey.polom@ncontracts.com

Leading provider of bank security services and branch automation equipment in the southeast. Adam Stephens, (256) 957-8018 adams@stsgrp.com

Corey Polom, (413) 374-5467 corey.polom@ncontracts.com

Assists with benefits administration and planning. Our BOLI expertise help banks offer enticing executive benefits tailored to financial institutions. Joe Schaefer, (786) 566-9423 joe.schaefer@nfp.com Assists with benefits administration and planning. Our BOLI expertise help banks offer enticing executive benefits tailored to financial institutions. Joe Schaefer, (786) 566-9423 joe.schaefer@nfp.com

Assists with benefits administration and planning. Our BOLI expertise help banks offer enticing executive benefits tailored to financial institutions. Joe Schaefer, (786) 566-9423 joe.schaefer@nfp.com

Vericast helps banks grow relationships, boost deposits, and drive smarter marketing through data-powered, customer-first solutions.

Bill Lopez, (305) 609-2757 william.lopez@vericast.com

Provides significant discounts on office and banking supplies, furniture, print and copy services, promotional products, break room provisions and more. Larry Reinker, (815) 479-9226 larry.reinker@odpbusiness.com Provides significant discounts on office and banking supplies, furniture, print and copy services, promotional products, break room provisions and more. Larry Reinker, (815) 479-9226 larry.reinker@odpbusiness.com Larry Reinker, (815) 479-9226 larry.reinker@odpbusiness.com

Provides significant discounts on office and banking supplies, furniture, print and copy services, promotional products, break room provisions and more.

Offers insurance solutions for the financial services industry, including a proprietary package policy that combines tailored property and liability coverages. Trey Martino, (203) 921-9089 t.martino@zurichna.com Offers insurance solutions for the financial services industry, including a proprietary package policy that combines tailored property and liability coverages. Trey Martino, (203) 921-9089 t.martino@zurichna.com

Offers insurance solutions for the financial services industry, including a proprietary package policy that combines tailored property and liability coverages. Trey Martino, (203) 921-9089 t.martino@zurichna.com

Payments-related innovation, education, and advocacy to help community banks navigate the payments ecosystem. Payments-related innovation, education, and advocacy to help community banks navigate the payments ecosystem. Client Relations, (800) 242-4770 payments@icba.org

Client Relations, (800) 242-4770 payments@icba.org Client Relations, (800) Payments-related innovation, education, and advocacy to help community banks navigate the payments ecosystem.

Client Relations, (800) 242-4770 payments@icba.org

Created by the Florida Bankers Association, BancServ Inc., provides qualit products & services at a discounted rate, saving Florida banks time and money Contact: Annie Coldstream | acoldstream@floridabankers.com Created by the Florida Bankers Association, BancServ Inc., provides quality products & services at a discounted rate, saving Florida banks time and money. Contact: Annie Coldstream | acoldstream@floridabankers.com Created by the Florida Bankers Association, BancServ Inc., provides quality products & services at a discounted rate, saving Florida banks time and money. Contact: Annie Coldstream | acoldstream@floridabankers.com