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

Many community bank common stocks do not have true market liquidity, which is the ability of the shareholder to convert their shares to cash at a fair price in a timely manner. 

This session presents several liquidity strategies for illiquid stocks through informative and in-depth discussion. Instructor will also explain use of the bank holding company, ESOPs and KSOPs, and other liquidity strategies that community banks can employ to ensure shareholders enjoy true liquidity in the investment.

Learning Objectives:

• Explain what market liquidity is and why it is often limited for community bank common stock.
• Describe several practical liquidity strategies available for illiquid bank stock.
• Understand the role of bank holding companies in supporting shareholder liquidity.

Duration: 60-minutes

Presented live and recorded on 5/12/26.

The regulatory reporting burden faced by community banks today is stronger than ever. As the complexity of the call report and Federal Reserve reports continue to increase, even experienced bankers often have questions about the nuances of these filings. 

During this course, attendees will take a deeper dive into the more complex areas of the current call report including:

• A review of the more complex aspects of loan reporting on Schedule RC-C, RC-L, RC-N, and RC-M.
• A comprehensive discussion of regulatory capital and Schedule RC-R including:
• A discussion of how to review your call report and how to understand and leverage the data contained in your call report filing.
• A discussion of the proposed streamlined call report revisions that will affect 90 percent of all institutions that file Call Reports.
• In addition, this class will include an overview of the Federal Reserve FR Y series reports including:
• FR Y-9SP: Parent Company Only Financial Statements for Small Holding Companies
• FR Y-9LP: Parent Company Only Financial Statements for Large Holding Companies
• FR Y-9C: Consolidated Financial Statements for Holding Companies
• FR Y-11: Financial Statements of Nonbank Subsidiaries
• FR Y-10: Changes in Organizational Structure
• FR Y-8: Section 23A Transaction with Affiliates
• FR Y-6: Annual Report of Holding Companies
• FR Y-3: Application to Acquire an Additional Bank or Holding Company

Use discount code MULTI_CR to register for both the Introduction to Call Report and Advanced Call Report and save $100!

Community banks are facing a new reality: deposit growth has slowed, zero-rate environments are gone, fintech competition continues to accelerate, and generational shifts are reshaping customer behaviors. Together, these forces are driving a liquidity paradigm shift resulting in changing balance sheet structures, rising funding costs, and increasing pressure on liquidity planning.

In this session, experts from Darling Consulting Group break down the structural changes reshaping the industry, outline the headwinds community banks should expect, and share actionable approaches for managing tighter liquidity conditions with confidence.

By the end of this session, you’ll walk away with a clearer view of the liquidity challenges ahead and the strategic tools to help your institution stay prepared and resilient.

Learning Objectives:

• Assess how ALCOs must evolve liquidity policies, reporting, and stakeholder communication to meet today’s conditions.
• Evaluate deposit outlook trends and develop strategic initiatives that support balance-sheet stability and long-term funding needs.
• Analyze marginal cost of funds to differentiate between strategies that drive deposit cost savings versus deposit growth.
• Strengthen overall liquidity positioning as balance sheets become more “loaned up” and funding pressures rise.
• Articulate your institution’s liquidity story clearly and confidently to key stakeholders and regulators.

Duration: 60-minutes

Presented live and recorded on 5/13/26.