At ICBA Securities, we provide community bankers the tools to grow their investments.

IRA amendments can be complex. But, understanding them is essential for compliance and effective account management.

This session explores the requirements for IRA documents, examines the differences between model agreements and prototypes, and explains why a prototype document may be used. You’ll review the latest guidance on required amendments so that by the end, you can confidently navigate these rules and provide accurate directions to your accountholders.

Learning Objectives:

• Describe the purpose of IRA amendments and why they are required.
• Identify the essential elements that must be included in an IRA document to remain compliant.
• Discover the latest regulatory guidance for IRA document amendments.

Duration: 60-minutes

Presented live and recorded on 07/15/26.

Recognizing that you have a troubled credit in your portfolio is traumatic enough. Having to deal with a declining relationship that may cause your bank a significant loss can create an outright panic. Instead of freezing or believing that things will get better on their own, now is the time to blaze the path forward to avoid a charge off.  

The earlier you catch a troubled credit the better your options are to minimize any future loss. Learn the steps you need to take and identify the various options that are available to you in facing what is likely the most important part of being a commercial banker.  

Learning Objectives:

• Analyze the early warning signs of troubled credit.
• Learn the steps to take to minimize any future loss.  
• Setup a plan to avoid a charge off loan.  

Duration: 60-minutes  

Recorded July 16, 2026

As deposit competition intensifies and liquidity management grows more complex, community banks must rethink how they price, position, and grow deposits. The challenge isn’t simply attracting balances; it’s doing so efficiently, without compromising margin or balance sheet stability.

Darling Consulting Group will break down the market dynamics shaping deposit behavior, explain how price elasticity should inform decision-making, and share practical tactics for striking the right balance between cost-savings and liquidity needs. You’ll also explore precision pricing approaches for CDs and MMDs to stay competitive in an elevated-rate environment. 

By the end of this session, you’ll walk away with actionable insights and analytics-driven strategies you can apply immediately to optimize funding costs and strengthen your deposit strategy for 2026.

Learning Objectives:

• Discover effective tactics to reduce funding costs by aligning pricing strategies, liquidity needs, and balance sheet goals in a competitive deposit environment.
• Understand price elasticity and deposit behavior to better anticipate how customers respond to rate changes and make informed pricing decisions.
• Apply precision pricing approaches to CDs and MMDAs to protect margins, manage runoff risk, and remain competitive without overspending on deposit acquisition.

Duration: 60-minutes

Presented live and recorded on 7/21/26.