by Kas Stewart, SVP & AAP Let’s talk cents!! We all know that no more pennies will be minted. So, what happens  now? There are billions of pennies still in circulation - one estimate is that there are 426 pennies for every person. There was a surge in demand for pennies, so there may be hoarding rather than circulation of pennies. Pennies are still considered legal tender, and The Federal Reserve is monitoring supplies weekly. The Federal Reserve is still accepting penny depo

DOUG FULLER, QUAIL CREEK BANK In addition to being Board Chairman for The Bankers Bank, Doug Fuller has been the President and CEO of Quail Creek Bank in Oklahoma City, OK since 2009. Prior to that, Doug worked in banking since the 80s and spent a few years as the Membership Director for  Leadership Oklahoma, as well.  He has been a Bankers Bancorp board member for two terms. Q: How has your term as Chairman been? A: In one word… fast! I can’t believe it’s already November an

by Miles Pringle, EVP & General Counsel There has been a lot of news about stablecoin since the passage of the GENIUS Act this summer. The act explicitly names banks as having a role, so bankers do need to learn more about stablecoins and their potential opportunities (and threats). With that said, it is still early days and there is more unknown than known.  For reference, stablecoins are a specific type of digital asset, distinct from  cryptocurrencies (like bitcoin) becaus

by Amanda Martin, VP/Calling Officer The Independent Community Bankers Association (ICBA)’s Subsidiary, ICBA Payments, has teamed up with Pidgin to help make Instant Payments easier for community banks to tackle. The Bankers Bank also has a partnership with Pidgin and is excited about what this additional alliance will mean for customers.  As the world of FedNow continues to grow, many community banks seem to find themselves stuck in receive-only mode. Whether that is due to

What beautiful weather we had for this year’s golf tournament! The recent rain made for a wet, lush course, but there was no threat of a rain delay for the shotgun start. Just sunshine. We hope everyone enjoyed the return of the Grab & Go Breakfast and imbibed in the Club Specials and other offerings from the beverage carts and drink stations around the course. Play moved quickly with several teams finishing early, while others finished more leisurely. We are glad for whateve

by Kas Stewart, SVP & AAP ISO20022 has been implemented. This was so much more than a system upgrade, it is a fundamental change to how we all move money. Processes have changed, which means we all must make some adjustments, but soon this will become routine and comfortable.  NACHA will be adding five new rules in October 2025 through June of 2026 related to fraud risk. These apply to both originators, third party senders and receiving financial institutions at various dat