Florida Banking October/November 2025

OCTOBER | NOVEMBER 2025 VOLUME 40 | NUMBER 5 Editorial & Executive Offices 1001 Thomasville Road, Suite 201 Tallahassee, FL 32303 850-224-2265 www.floridabankers.com

ON THE COVER

8 First National Bank of Mount Dora A Century of Community

FNBMD Senior Vice President & Chief Lending Officer Bill Brooks; Executive Vice President & CFO Andrew Kurtz, President & CEO Bob White, Senior Vice President & COO Lori Ross, and President of Trust and Investments John Pease

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 Kathy Kraninger President and Chief Executive Officer kkraninger@floridabankers.com For reprints or single issues, contact 800-336-1120

Photos by Malcolm Yawn, Malcolm Yawn Photography.

CONTENTS

5 — President's Perspective Leading in a Time of Change

7 — Chair’s Message Turning Advocacy Into Action: Fighting Fraud at Every Level

12 Government Relations Florida’s 2026 Legislative Session: Arriving Sooner Than You Think 14 Trust & Wealth Management The Surge of Crypto ‘Wrench’ Crimes 16 BankPac: Shaping the Future of Florida Banking 19 Celebrating Our FBEF Donors

20 Bancserv Endorsed Partner: Vericast

How Banks Can Grow Big By Thinking Local 22 FBA School of Banking Recap 23 FBA Trust & Wealth Management School Recap 24 Personal Transactions 27 Kudos 30 Upcoming Events & Ad Index

Suellen Wilkins Director of Communications swilkins@floridabankers.com

Keith Costello Chair

Garrett Richter Chair-Elect

Derek Jones Immediate Past Chair

4 — FLORIDA BANKING THE VOICE OF FLORIDA BANKING