At The Bankers Bank, our mission has always been simple: to make you, our respondent bank customers, more capable, more competitive, and more confident in serving your own communities. That mission extends beyond the financial products and services we provide. It extends to the technology platform that powers your connection to us. Over the past year, our Board of Directors has made a significant and intentional investment in modernizing and expanding our digital banking plat

Jake Charnock President & CEO First National Bank & Trust of Ardmore Jake Charnock serves as the President and CEO of First National Bank & Trust (1NB) in Ardmore, a role he assumed in 2022 after two decades of progressive experience within the institution. He joined 1NB in 2004, advancing through key roles including Credit Analyst, Commercial Lender, and Chief Credit Officer. Jake holds a Bachelor of Science in Accounting and a Master of Business Administration (MBA) from We

If you’ve been to a banking conference in the last year, you’ve heard the same thing I have: AI, AI, AI. Your board is asking about it. Your peers are claiming to use it. Your competitors are putting it in their marketing. And yet, when you ask people what they’re actually doing with it, the answers are quite vague. We all know AI matters; many just don’t know what to do with it. The good news is that the gap between asking the questions and putting it into practice is pretty

ACH RISK Management Rules The clock is ticking. Are you prepared? Are you preparing? Phase One: March 20, 2026 On this day, the rule applies to non-consumer Originators, ODFIs, Third-Party Senders; and Third-Party Service Providers with annual ACH origination volume of six million or greater in 2023. Phase Two: June 19, 2026 The rules go into effect for all other Non-Consumer Originators, Third-Party Senders and Third-Party Service Providers. What changes? NACHA currently r

Let’s talk about partnership. Lately, I’ve interacted with an increasing number of companies – mostly technology-related, of course. There is a Grand Canyon of difference between those that I think of as vendors and those that I consider partners. With all the complexity and dependence on our technology stack, it’s increasingly important that our business relationships involve partners. Quick Gut-Check: Is it time to reevaluate? Though I hate to start this article negatively,

Happy New Year! We hope it is getting off to a great start. 2026 is a big year for TBB as we celebrate turning 40. We have a lot to share with you about what is upcoming, but it is always important to reflect on how we got here. 2025 was another great year for TBB. ROA remained solid and net income continues to set records. But for extraordinary items in 2024, 2025 was the most profitable year in TBB’s history. One area that needs highlighting is our Loan Department. Rick Lin