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Bank Director Newsletter Jan-Feb 2020

Build the Right Credit Team for Uncertain Times Bad loans are made in good times. Over the past five years the economy has performed well with few bubbles bursting, but over this same period...

Jul 31, 2025

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Senate Appropriations USDA Ag and Rural Business Loan

June 4th, 2020 The Honorable Richard Shelby The Honorable Patrick Leahy Chairman, Senate Appropriations Committee Ranking Member, Senate Appropriations Committee United States...

Jul 31, 2025

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ICBA One Pager USDA Express

Support H.R. 5877, the “USDA Express Loan Act” As Congress writes a new farm bill in 2024, it presents an opportunity to address many needs facing farmers and ranchers. This includes quick...

Aug 7, 2025

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NH - SBA Fact Sheet

Community Bank Small Business Administration Lending NEW HAMPSHIRE SBA Lending by Community Banks, 2010-2025 Sources: FDIC Summary of Deposits, NCUA Call Reports, US Census, US Small Business...

Oct 15, 2025

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OR-4

icba.org | info@icba.org | 866-422-8439 Sources: FDIC Call Report, FDIC Summary of Deposits, Census Geocoder. Branch and financial data are current as of 12/31/2025 and updated yearly. A D V_ 26...

Apr 15, 2026

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Joint Letter to House on True Lender

May 25, 2021 The Honorable Nancy Pelosi The Honorable Kevin McCarthy Speaker of the House Minority Leader U.S. House of Representatives U.S. House of Representatives Washington,...

Jul 31, 2025

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ltr013014

January 30, 2014 Dear Members of Congress, The undersigned associations representing a broad swath of the nation’s business community and sectors serving tens of millions customers,...

Aug 1, 2025

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Bank Director Program Newsletter - Nov/Dec 2015

Community Bank Director news From the ICBA Community Bank Director Program November/December 2015 MANAGEMENT ISSUES More Questions than Answers as FASB’s ...

Aug 1, 2025

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Georgia-8

icba.org | info@icba.org | 866-422-8439 Sources: FDIC Call Report, FDIC Summary of Deposits, Census Geocoder. Branch and financial data are current as of 4/7/2022 and updated yearly. COMMUNITY...

Jul 31, 2025

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ltr012815

January 28, 2015 Dear Member of Congress: The financial services industry, like many other sectors of the economy, has faced deceptive demand letters and frivolous litigation from patent...

Aug 1, 2025

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CA-41

icba.org | info@icba.org | 866-422-8439 Sources: FDIC Call Report, FDIC Summary of Deposits, Census Geocoder. Branch and financial data are current as of 12/31/2025 and updated yearly. A D V_ 26...

Apr 15, 2026

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test032117

On behalf of the more than 5,800 community banks represented by ICBA, we thank Chairman Luetkemeyer, Ranking Member Clay, and members of the subcommittee for convening today’s hearing entitled...

Aug 1, 2025

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Letter Urging Senate to Pass Close the Shadow Banking Loophole Act

June 27, 2024 Members of the United States Senate Washington, D.C. 20510 Re: New ILC Approval Heightens Financial System Risk Dear Senator: On June 21, the Federal Deposit...

Jul 31, 2025

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19.08.13_SBA

              Via electronic submission      August 13, 2019      The Honorable Chris Pilkerton   Acting Administrator   Small Business Administration  409 3rd Street, SW ...

Aug 1, 2025

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cl022513

Submitted electronically February 25, 2013 Monica Jackson Office of the Executive Secretary Consumer Financial Protection Bureau 1700 G Street, NW Washington, DC 20552 Re: ...

Aug 1, 2025

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National Banking Trades Letter FY 2025 - Financial Services and General Government

1 April 2, 2024 The Honorable Chris Van Hollen The Honorable Steve Womack Chair Chair Appropriations Subcommittee on Appropriations Subcommittee on Financial Services...

Jul 31, 2025

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9.30.25 Debanking Letter

U.S. SMALL BUSINESS ADMINISTRATION OFFICE OF GENERAL COUNSEL WASHINGTON, DC 20416 On August 7, 2025, President Donald J. Trump issued the Executive Order 14331,...

Nov 3, 2025

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OR-1

icba.org | info@icba.org | 866-422-8439 Sources: FDIC Call Report, FDIC Summary of Deposits, Census Geocoder. Branch and financial data are current as of 12/31/2025 and updated yearly. A D V_ 26...

Apr 15, 2026

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Committee Notebook Part 4

that build soil health can take several years (for example, three to five years for cover crops) to generate a fi- nancial benefit.” Said Monast: “Lenders are not collecting or looking at farm...

Jul 31, 2025

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Letter to Treasury Department Regarding Form 990 Initiative.pdf

May 15, 2026 The Honorable Scott Bessent Secretary of the Treasury U.S. Department of the Treasury 1500 Pennsylvania Avenue, NW Washington, D.C. 20220 Re: The Case for Requiring...

May 15, 2026

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ICBA Statement for Hearing on Romance Confidence Scams

Combating Crypto-Enabled Scams: The Community Bank Perspective The Independent Community Bankers of America, representing community banks across the nation with nearly 50,000 locations,...

Jul 30, 2025

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CA-16

icba.org | info@icba.org | 866-422-8439 Sources: FDIC Call Report, FDIC Summary of Deposits, Census Geocoder. Branch and financial data are current as of 12/31/2025 and updated yearly. A D V_ 26...

Apr 15, 2026

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AK-at-Large

icba.org | info@icba.org | 866-422-8439 Sources: FDIC Call Report, FDIC Summary of Deposits, Census Geocoder. Branch and financial data are current as of 12/31/2025 and updated yearly. A D V_ 26...

Apr 15, 2026

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ILC White Paper Letter to the FDIC

November 12, 2025 The Honorable Travis Hill Acting Chairman Federal Deposit Insurance Corporation 550 17th Street NW Washington, D.C. 20429 RE: ICBA White Paper: Closing the Industrial...

Nov 12, 2025

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NY-2

icba.org | info@icba.org | 866-422-8439 Sources: FDIC Call Report, FDIC Summary of Deposits, Census Geocoder. Branch and financial data are current as of 12/31/2025 and updated yearly. A D V_ 26...

Apr 15, 2026

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Main St Coalition PSPA Changes

1 April 6, 2021 The Honorable Janet Yellen Secretary Department of the Treasury 1500 Pennsylvania Ave, NW Washington, DC 20220 The Honorable Mark A. Calabria Director Federal...

Jul 31, 2025

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NC - Coverage Fact Sheet

Community Bank Presence in Contrast NORTH CAROLINA Community Bank Branch Locations Credit Union Branch Locations Large Bank Branch Locations Sources: FDIC Summary of Deposits, NCUA Call...

Oct 15, 2025

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ltr070716

July 7, 2016 The Honorable Tom Cole The Honorable Rosa DeLauro Chairman Ranking Member Subcommittee on Labor, Subcommittee on Labor, Health & Human Services, Health & Human...

Aug 1, 2025

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CA-29

icba.org | info@icba.org | 866-422-8439 Sources: FDIC Call Report, FDIC Summary of Deposits, Census Geocoder. Branch and financial data are current as of 12/31/2025 and updated yearly. A D V_ 26...

Apr 15, 2026

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Mississippi-4

icba.org | info@icba.org | 866-422-8439 Sources: FDIC Call Report, FDIC Summary of Deposits, Census Geocoder. Branch and financial data are current as of 4/7/2022 and updated yearly. COMMUNITY...

Jul 31, 2025

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CONVERTING CUSTOMER SATISFACTION INTO CUSTOMER LOYALTY

Converting Customer Satisfaction To Customer Loyalty Focusing On The Customer Experience 11/15/22 1 ©Cross Financial, Lincoln, NE Converting Customer Satisfaction to Customer Loyalty 1 ...

Jul 31, 2025

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New York-13

icba.org | info@icba.org | 866-422-8439 Sources: FDIC Call Report, FDIC Summary of Deposits, Census Geocoder. Branch and financial data are current as of 4/7/2022 and updated yearly. COMMUNITY...

Jul 31, 2025

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ICBA Comments on the Remittance Rule NPRM

Via electronic submission January 21, 2020 Comment Intake-Remittances Bureau of Consumer Financial Protection 1700 G Street, NW Washington, DC 20552 RE: Docket Number...

Jul 31, 2025

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Member Benefits Brochure

A Legacy of Strength ICBA has one mission: to create and promote an environment where community banks flourish. We are exclusively dedicated to representing the interests of the community...

Jul 31, 2025

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Texas-26

icba.org | info@icba.org | 866-422-8439 Sources: FDIC Call Report, FDIC Summary of Deposits, Census Geocoder. Branch and financial data are current as of 4/7/2022 and updated yearly. COMMUNITY...

Jul 31, 2025

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18.12.17_SBAcl

December 17, 2018 Submitted Electronically to http://www.regulations.gov The Honorable Linda McMahon Administrator United States Small Business Administration 409 Third Street...

Aug 1, 2025

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Florida

icba.org | info@icba.org | 866-422-8439 ADV_2687A26 Sources: FFIEC 2025 Q4 Call Reports, NCUA 2025 Q4 Call Reports, FDIC Statement of Deposits Reports, Tax Foundation, Kaiser Family Foundation, ...

May 13, 2026

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BPI Letter of Support for the Close the Shadow Banking Loophole Act 1.29.26.pdf

January 29, 2026 The Honorable John Kennedy United States Senate U.S. Senate Committee on Banking, Housing, and Urban Affairs 437 Russell Senate Office Building Washington, D.C....

Jan 29, 2026

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200321_SBAletter

March 21, 2020 The Honorable Mitch McConnell The Honorable Charles Schumer Senate Majority Leader Senate Democratic Leader United States Senate United States Senate Washington,...

Jul 31, 2025

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UT - Coverage Fact Sheet

Community Bank Presence in Contrast UTAH Community Bank Branch Locations Community banks in UT represent 62% of rural* counties 80% of LMI* counties 76% of all UT counties In many...

Nov 3, 2025

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HomeDepotApril19OrderExtendingDeadlines

XXXXXXXXXX Case 1:14-md-02583-TWT Document 330 Filed 04/19/17 Page 1 of 2 19th /s/Thomas W. Thrash Case 1:14-md-02583-TWT Document 330 Filed 04/19/17 Page 2 of 2

Aug 1, 2025

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1. Financial Services Agreement

Page 1 of 11 12.2023 rlk FINANCIAL SERVICES AGREEMENT This Financial Services Agreement ("FSA") is made as of 20 , (the "Effective Date") between ICBA Payments, Inc. doing business as ICBA...

Aug 7, 2025

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Information Technology Services Agreement (ITSA)

Account ID: 27294 OID: 00000000 Prepared for: ICBA Bancard, Inc. Page 1 INFORMATION TECHNOLOGY SERVICES AGREEMENT ICBA Bancard, Inc. 1615 L Street NW, Suite 900 Washington DC...

Aug 7, 2025

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18.06.12_SenateAg

June 12, 2018 The Honorable Pat Roberts The Honorable Debbie Stabenow Chairman Ranking Member Committee on Agriculture, Nutrition, Committee on Agriculture, Nutrition, & Forestry...

Aug 1, 2025

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ICBA letter to NCUA IG regarding LICU definition change

May 27, 2020 James Hagen Inspector General National Credit Union Administration 1775 Duke Street Alexandria, VA 22314 Re: Agency Compliance with APA Requirements of Notice-and-Comment...

Jul 31, 2025

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California-15

icba.org | info@icba.org | 866-422-8439 Sources: FDIC Call Report, FDIC Summary of Deposits, Census Geocoder. Branch and financial data are current as of 12/13/2024 and updated yearly. EV T_ 24...

Jul 30, 2025

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Support Closing the ILC Loophole

February 2024 Close Industrial Loan Company Loophole Background: Industrial loan companies (ILCs) are the functional equivalent of full-service state-chartered banks, except they...

Aug 7, 2025

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ICBA CBLR Letter (RIN 3064-AG17) 1.30.26.pdf

January 30, 2026 Federal Deposit Insurance Corporation Jennifer M. Jones, Deputy Executive Secretary Attention: Comments/Legal OES RIN 3064-AG17 550 17th Street NW Washington, DC 20429. ...

Jan 30, 2026

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Regulatory Update - Bank Fees - Overdraft and NSF

July 2024 ICBA Regulatory Update: Bank Fees Topic/Issue: Overdraft fees and NSF/represented Item fees Agencies: CFPB, FDIC, OCC, FRB, Status: ➢ CFPB o Advisory Opinion - Oct...

Jul 31, 2025

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IN-9

icba.org | info@icba.org | 866-422-8439 Sources: FDIC Call Report, FDIC Summary of Deposits, Census Geocoder. Branch and financial data are current as of 12/31/2025 and updated yearly. A D V_ 26...

Apr 15, 2026

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Optimize Your Time - Ease Your Workload

iCBA ProF i tAB i L i tY SoLut ionS14 view how much premium has been col- lected on a given certificate and quickly determine if the certificate is eligible for a claim or refund. Users can...

Aug 1, 2025

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Rural America and Agriculture Roster

Rural America & Agriculture Committee Chairman Jim S. Gowen, Jr. Merchants & Planters Bank Newport, AR Vice Chairman Sam Nunn Citizens Bank Amarillo, TX Committee Member Terri Barrett Bravera...

Jul 31, 2025

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cl090214

September 2, 2014 Robert deV. Frierson, Secretary Board of Governors Federal Reserve System 20th Street and Constitution Washington, DC 20551 Robert E. Feldman, Executive Secretary ...

Aug 1, 2025

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Request for Extension of Reg II Effective Date

February 13, 2023 Ann E. Misback Secretary Board of Governors of the Federal Reserve System 20th Street and Constitution Avenue NW Washington, DC 20551 RE: Debit Card Interchange...

Jul 31, 2025

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BSAAMLBSAOfficersHandouts2

BSA/AML Training: BSA Officers and Staff 1 BSA/AML Training: BSA Officers and Staff 2 BSA/AML Training: BSA Officers and Staff 3 BSA/AML Training: BSA Officers and Staff 4 BSA/AML...

Aug 1, 2025

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Fact Sheet Opposing Financial Account Reporting Plan

June 24, 2021 www.icba.org ⋅ info@icba.org ⋅ 866-843-4222 Strip Mining of Consumer Financial Information Is not a Solution to the “Tax Gap” A new Administration proposal would...

Jul 31, 2025

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Final Joint Financial Trades Reg S-K Cyber Comment Letter.pdf

1 April 10, 2026 Via Electronic Mail Ms. Vanessa A. Countryman Secretary U.S. Securities and Exchange Commission 100 F Street NE Washington, D.C. 20549 Re: Comment on Reforming...

Apr 10, 2026

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JointLetterontheSenatesResponsibleFinancialInnovationAct

October 15, 2025 The Honorable Tim Scott The Honorable Elizabeth Warren Chairman Ranking Member Committee on Banking, Housing, Committee on Banking, Housing, & Urban Affairs &...

Nov 7, 2025

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18.07.31_DataBreachLTR

July 31, 2018 The Honorable Bob Latta Chairman Subcommittee on Digital Commerce and Consumer Protection 2125 Rayburn House Office Building Washington, DC 20515 Dear Chairman...

Aug 1, 2025

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19.06.19_ECORASenate

June 19, 2019 The Honorable Pat Roberts United States Senate Washington, D.C. 20510 Dear Senator Roberts: On behalf of community banks across the country, with more than 52,000...

Aug 1, 2025

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