Florida Banking February/March 2026

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

6

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

3

4

10

12

14 16

18 22 26 30

2 | FLORIDA BANKING