Palmetto Banker 2025 Issue 3

SOUTH CAROLINA BANKERS ASSOCIATION

Issue Three 2025

Cashing in on your future

2026 SOUTH CAROLINA BANKERS SCHOOL

SUNDAY, JULY 12 – FRIDAY, JULY 17, 2026

THE DARLA MOORE SCHOOL OF BUSINESS • UNIVERSITY OF SOUTH CAROLINA, COLUMBIA

“The South Carolina Bankers School represents the very best in our industry—where knowledge, leadership, and innovation come together to strengthen the future of banking. The quality of the curriculum is exceptional, blending practical application with strategic insight that truly prepares bankers for today’s evolving financial landscape. Equally meaningful are the lifelong relationships built among classmates and faculty—connections that foster shared success long after graduation. Being hosted at one of the nation’s premier business schools, the Darla Moore School of Business at the University of South Carolina, elevates the experience even further, providing an inspiring environment for growth and professional excellence. Serving on the South Carolina Bankers School Board of Directors is both an honor and a responsibility I deeply value—an opportunity to help guide and invest in the next generation of banking leaders.

—

Rose Buyck Newton, Chairman of the Board, Bank of Clarendon; SCBS Board of Directors

2025-26 SCBA EXECUTIVE COMMITTEE

2009 Park Street I PO Box 1483

Columbia, S.C., 29202-1483

803.779.0850 I Fax: 803.779.0890 www.scbankers.org

Chair .......................................................................................... H. Richard Sturm, Ameris Bank

Chair-Elect

Samuel R. Small, Jr., First Palmetto Bank

First Vice-Chair J. Ted Nissen, First Community Bank

Treasurer Coleman A. Kirven, The Peoples Bank

Immediate Past Chair

2025-26 SCBA BOARD OF DIRECTORS

Second Immediate Past Chair

President & CEO

Directors

Jennifer T. Jones, CBL State Savings Bank

Boyd B. Jones, Synovus

Fred L. Green III, South Carolina Bankers Association

Laurence S. Bolchoz, Jr., Coastal Carolina National Bank

Robert Alex Brame, Truist Bank

William O. Buyck, Jr., Bank of Clarendon

Michael E. Edens, First Reliance Bank

Margi M. Fleming, The Citizens Bank

Rufus T. Dunlap V, Countybank

Jamin M. Hujik, Southern Bank

Benita E. Lefft, Optus Bank

William G. Medich, SouthState Bank

Brooks A. Melton, Beacon Community Bank

Joseph A. Painter, First Community Bank

Mickey M. Renner, HomeTrust Bank

J. Reeves Skeen, First Citizens Bank

Donald W. Snipes, Enterprise Bank of SC

Eugene H. Walpole IV, The Bank of South Carolina

202 5-26 COMMUNITY BANKERS DIVISION BOARD

Chair .....................................................................

Immediate Past Chair

Directors

Brooks A. Melton, Beacon Community Bank

R. Scott Plyler, South Atlantic Bank

Vaughan R. Dozier, Jr., First Community Bank

Scott M. Frierson, Southern Bank

John C. Gregory, Arthur State Bank

Thomas O. Hutto, Farmers & Merchants Bank of SC

S. Alexis Matthews, The Peoples Bank

Donald W. Snipes, Enterprise Bank of SC

Russell A. Vedder, Coastal Carolina National Bank

L. Andrew Westbrook, Palmetto State Bank

2025-26 SOUTH CAROLINA BANKERS SCHOOL BOARD

Chair ...........................................................................

Chair-Elect

Immediate Past Chair

Directors

Joseph A. Painter, First Community Bank

Thomas C. Anderson, Jr., First Palmetto Bank

Robert P. Hucks II, Coastal Carolina National Bank

Richard M. Carroll, Anderson Brothers Bank

Nathan T. Crowe, Security Federal Bank

Kenneth M. Harper, Countybank

William E. Howard, Jr., First Citizens Bank

William R. Johnston, Southern First Bank

Rose Buyck Newton, Bank of Clarendon

Charles H. Redmond, SouthState Bank

Mary Jo Rogers, South Atlantic Bank

Charles K. Talbert, Bank of the Lowcountry Course Coordinators

John C. Griggs III, Synovus

Ford P. Menefee, The Bank of South Carolina

Marvin E. Robinson, Jr., Ameris Bank

Allison P. Stout, South Atlantic Bank

2025-26 EMERGING LEADERS DIVISION BOARD OF DIRECTORS

Chair

Margi M. Fleming, The Citizens Bank

Chair-Elect .............................................................................................. Reid J. Boehm, Synovus

First Vice-Chair

Immediate Past Chair

Directors

J. Jefferson Manning, SouthState Bank

Othniel W. Laffitte, First Bank

M. Charles Abbott, Jr., Carolina Bank & Trust Co.

Jamie E. Addison, First Community Bank

Aferdita M. Brown, Beacon Community Bank

Jessica M. Buttles, Anderson Brothers Bank

Eugene A. Gardner IV, TD Bank, N.A.

Blake H. Dressler, First Reliance Bank

Lauren Hendricks, United Bank

Justin A. Johnson, Optus Bank

Angela T. Klosterman, First Citizens Bank

Austin W. McVay, United Community Bank

Anna Q. Mills, Bank of Travelers Rest

Dustin T. Morris, Ameris Bank

Michael T. Tecosky, Pinnacle Financial Partners

Joseph Thomas, First Palmetto Bank

W. Clarke Walker, Southern First Bank

Wilson G. Wicker, South Atlantic Bank

5 6 8 10 15 16 20 23 24 28 31 34

Update

Leaders Annual Conference

Scholarship Golf Tournament Emerging Leaders’ “The Morning Vault” 2025 Sporting Clays Tournament

Welcome New Preferred Vendor

Welcome New Bank Members

Welcome New Associate Members

Personal Transactions

Banking News

Education Calendar

SCBA Staff

President & CEO Fred L. Green III

Chief Operating Officer Richards H. Green

Senior Vice President Carolyn L. Bradley

Senior Vice President E. Anne Gillespie

Senior Vice President & General Counsel A. O’Neil Rashley, Jr., Esq. Controller Jill Valdez

Communications & Engagement ....... Diane Krell

Administrative Assistant Bonnie E. Nelson

The Palmetto Banker is a publication of the South Carolina Bankers Association. The magazine exists to serve its members by communicating news of interest, education and SCBA activities.

Items from members are welcome, however the editor reserves the right to refuse copy. With the exception of official announcements, the SCBA disclaims responsibility for opinions expressed and statements made in articles published in the Palmetto Banker.

Stay ahead in today’s unpredictable interest rate landscape.

Make informed financial decisions with ease with our depository interest rates data and analytics. Let us be your go-to source for up-to-date branch level rates for over 75% of banks and credit unions in the U.S., offering insight into local competitors, market rate leaders and national pricing trends.

is in

OUR FUTURE Good Hands

It is common for every generation to have concerns about the next generation that follows them. This is true in both a personal and business context. Over the last year, I have written a lot about our 125 year history and the generation of bankers that preceded us. I want to dedicate this edition of The Palmetto Banker to the future generation of South Carolina banking leaders by highlighting the activities and initiatives of our Emerging Leaders Division.

In 1955 our Association formed the Young Bankers Division to help prepare the next generation of bankers for leadership positions. This division has changed, evolved, and gotten better over these 70 years. They do an outstanding job of supporting and enhancing every single initiative of the South Carolina Bankers Association.

The following articles highlight some of their many activities:

• Our Scholarship Golf Tournament helps raise funds so that we can award college scholarships to children of member bank employees. Last year we awarded $100,000 and will do the same this year.

• Our Sporting Clays BankPAC Tournament has been successful since its inaugural event in 2019, and this year raised over $30,000 to help support good candidates running for state office.

• Financial Literacy, a hallmark initiative since day one, has helped improve the lives of hundreds of thousands of South Carolinians.

• This year, Chair Margi Flemming introduced “The Morning Vault” creating an opportunity to learn from accomplished leaders. We leaned into technology and put these segments on our first podcast.

Fred L. Green III, President & CEO

South Carolina Bankers Association

• Each year during the Legislative session, our Emerging Leaders attend the “South Carolina Bankers Association Day” at the State House to meet with Leadership in the House and Senate.

Technology will remain a powerful tool, but it will never replace human judgement. Artificial intelligence, data analytics, and automation can enhance efficiency, but it is leadership that determines how these tools are used. Our Emerging Leaders better understand technology because they grew up with it. They can take advantage of it while maintaining the personal touch with customers and associates that is so important.

As our industry becomes more complicated and technology continues to reshape how work is done, future leaders must be adaptable and curious. Change is constant. The leaders who will thrive will be lifelong learners that are open to new ideas, willing to challenge old processes, and capable of guiding their bank through uncertainty with confidence.

Leaders also need a leader, and I am so proud of our team member, Carolyn Bradley, who works very closely with our Emerging Leaders and helps facilitate all of the events and initiatives they are involved in. Their success is a direct reflection of her enthusiasm and engagement.

In closing, older bankers of my generations should be very comforted that the next generation of bankers will accept the challenge and will become better bank leaders than we are. Our future is in good hands.

2025-26 Emerging Leaders Division Board of Directors

Rob Nichols, President and CEO American Bankers Association nichols@aba.com

It’s time to work together to

STOP SCAMS

Are you an early bird or a night owl? Do you prefer the pool or the beach? Coffee or tea?

As ABA’s award-winning consumer education campaign, #BanksNeverAskThat points out, banks would never ask a customer these questions. Just like banks would never ask for a PIN, account number or other personal identifying information in an unsolicited call or message.

What banks are asking for, however, is for the government to take a more comprehensive approach to fighting fraud and scams. With fraud losses among Americans estimated to be anywhere from $12 billion to $160 billion, and with scam tactics evolving in sophistication each day thanks to the evolution of AI and other technologies, it will take a coordinated effort to combating this dangerous threat.

Over a year ago, I called on Congress and the administration to establish an Office of Scam and Fraud Prevention—within the executive office of the president—to coordinate interagency efforts, streamline consumer reporting processes and develop a national scam and fraud prevention strategy that would involve both the public and private sectors.

But we also need other industries—especially the telecom sector—to step up and do their part. Scammers use call spoofing, impersonation text messages and fake social media accounts to conduct a staggering number of fraudulent exchanges, and regulations around telecom providers are lacking. ABA has advocated for stronger laws to prevent illegal spoofing and has also called for enhanced standards for voice service providers to help consumers identify potentially fraudulent calls, as well as for the establishment of a customer-reported scam text message database that would enable businesses to monitor fraudulent texts being sent on their behalf.

As we advocate for more comprehensive rules for telecoms and other entities, banks continue to do their part to protect their customers from the financial and psychological harm caused by fraud. ABA has played a leadership role in recent years to arm bankers with the tools and resources they need to help protect their customers.

We’ve established the ABA Fraud Contact Directory, which enables banks to more quickly resolve check fraud claims for their customers and find contacts at other banks to stop fraudulently sent funds.

Earlier this year, we rolled out exclusive ABA member access to check payee verification through the Treasury Check Verification System, a tool that has already been used to validate over half a billion dollars’ worth of checks.

And this October, ABA brought back our award-winning consumer education campaigns, #BanksNeverAskThat and #PracticeSafeChecks, both of which are intended to boost consumer awareness around popular fraud and scam tactics. These campaigns have been updated with new content that banks can access and share for free.

I hope you’ll join the thousands of banks across America who have already signed up to participate in this campaign. Your engagement will help us spread this valuable knowledge far and wide and help protect millions of Americans’ livelihoods from fraudsters.

The fraud threat is ever evolving, but consumers can count on America’s banks to have their back.

Now is the Time…

TO PARTNER WITH BDC FOR SBA & SSBCI LENDING EXPERTISE

When you partner with BDC, our dedicated lending team handles the weight of the loan process, freeing up your time to focus on what matters most — building strong relationships with your clients.

Time to make a difference? Contact BDC today and learn how we can help you become the hero for your small business clients.

New Lending Resource for Bankers & Borrowers

Explore our new video FAQ series.

Annual Conference

MARCH 13-15, 2026

The Ritz-Carlton Reynolds, Lake Oconee Greensboro, GA

On behalf of the Emerging Leaders Division Board of Directors, I am delighted to invite you to join us in Greensboro, Georgia, for our 2026 Annual Conference.

This event is the premier networking and professional development experience for emerging leaders in the banking industry. The purpose of the conference is threefold: to promote leadership development, enhance career knowledge and create meaningful business and networking opportunities.

Lake Oconee is truly a hidden gem—its beauty and authenticity speak for themselves. While it may feel rustic and remote to some, those are precisely the qualities that make it so special. Nestled along the peaceful waterfront just outside Atlanta, this five-star resort offers luxury, natural beauty, and a serene escape from everyday life.

We are proud to present a diverse lineup of dynamic speakers covering a wide range of timely and relevant topics. Throughout the weekend, you’ll have the opportunity to connect with peers, gain valuable industry insights, develop new business leads and build lasting relationships that will benefit both you and your organization in our rapidly evolving industry.

If you’re an emerging leader eager to learn from and network with some of the best in the business—don’t miss the SCBA’s Emerging Leaders Division Annual Conference!

Margi M. Fleming, The Citizens Bank Chair, SCBA Emerging Leaders Division

Featured Speakers

SHANE BEAMER

Head Football Coach University of South Carolina Columbia, SC

“Keynote Address”

CASSIE L. THOMPSON

Director of People Operations Red Rover Greenville, SC

“The Ethical Edge: How Emerging Leaders Can Leverage AI Without Losing Trust”

BOB J. KIRBY, CFE, CFCI

Corporate Investigator

The Citizens Bank Turbeville, SC

“Fraud War Stories”

JOAN K. WOODWARD

Executive Vice President of Public Policy Travelers and President of The Travelers Institute Washington, DC

“Woodward on Washington: An Economic, Policy and Political Outlook”

THE HONORABLE J. MICHAEL “MIKE” REICHENBACH

South Carolina Senate Member, Senate Banking and Insurance Committee President & Owner, Mike Reichenbach Ford, Lincoln, Chevy & VW Florence, SC

Join in fellowship at our Annual Prayer Breakfast to hear: “Called to Be Bold”

Special Activities

Don’t miss out on the exciting array of post-business session activities that await you! Spend a day on the links with access to the stunning golf courses, or challenge yourself with thrilling outdoor pursuits at the premier sporting facilities. For those seeking a different kind of adventure, embrace the tranquility of nature with options like fishing, off-roading, and the exhilarating experience of falconry. If relaxation is more your style, the spa offers a serene escape, featuring luxurious treatment rooms and a host of amenities designed to rejuvenate your body and spirit.

Your registration includes entrance to all conference sessions and exclusive evening events, making it easy to network and unwind in a peaceful atmosphere. Be sure to secure your spot by registering online.

New Location, Same Incredible Results!

On Tuesday, September 30, the SCBA hosted its annual Scholarship Golf Tournament at Fort Jackson Golf Club in Columbia. The day began with stormy weather but turned into a beautiful afternoon on the course, perfect for our fundraiser benefitting the SCBA Palmetto Scholarship program. Thanks to the generous support of golfers, volunteers, and sponsors, funds raised will provide scholarships for deserving college students who are the children of our member banks’ employees.

We extend our gratitude to Austin McVay of United Community Bank and the Emerging Leaders Division for orchestrating a smooth and enjoyable tournament that exemplified community spirit and camaraderie.

Mark your calendars for next year’s tournament, scheduled for September 29, once again at Fort Jackson Golf Club. We look forward to another day filled with golf, fellowship, and the joy of making a difference in the lives of future scholars.

Thank You Sponsors

Congratulations to the Winning Team:

The Emerging Leaders Division’s Newest Initiative Launched Fall 2025...

Join a community of emerging banking leaders for a monthly power hour designed to sharpen your leadership skills, expand your network, and prepare you for what’s next in banking. Each session delivers real-world insight, practical tools, and inspiring conversations that help you lead with confidence—whether you’re managing a team, a portfolio, or your career path.

2nd Wednesday of Each Month 8:30 - 9:30 am

January 14 Hunter McMaster – Treasury Update from the Assistant Secretary for Financial Markets

February 11 Sam Erwin – C-Suite Leadership Journey and Insight

March 11

April 8

Jeff Black – “Your Leadership Brand: Crafting Your Voice, Vision, and Value”

James Bennett – C-Suite Leadership Journey and Insight

May 13 Dave DeFazio – “Banking on Innovation: Staying Agile in a Changing Industry”

To listen to the morning vault podcast, please scan the spotify link or the apple podcast QR code. You can also search THE MORNING VAULT on both streaming platforms.

Emerging Leaders Division Celebrates Successful BankPAC Sporting Clays Tournament

The Emerging Leaders Division extends heartfelt gratitude to all participants and supporters of the annual BankPAC Sporting Clays Tournament Fundraiser, held on November 19 at the Palmetto Shooting Complex in Edgefield, South Carolina. Event Chair, Angela Klosterman of First Citizens Bank in Columbia, expressed her delight at the overwhelming turnout, noting that the event attracted over 100 shooters, along with a dedicated group of sponsors and volunteers. This participation underscores the strong commitment of the community to supporting vital political action initiatives.

The primary objective of the tournament is to raise essential funds for the SCBA STATE BankPAC. The PAC plays a crucial role in providing campaign support to state legislators and constitutional officers who support pro-banking and pro-business legislation.

Individuals who share an interest in the future of the banking industry and wish to preserve the important role of banks in our economy and our communities should contribute annually to one of the SCBA PACs. Please visit our website to learn more, www.scbankers.org, and mark your calendars for next year’s event scheduled for November 18 at the Palmetto Shooting Complex.

HIGHEST

Congratulations to the 2025 Winners:

HIGHEST

At Habitat for Humanity, we believe in offering a hand up, not a handout. For over 40 years, Central South Carolina Habitat for Humanity has partnered with banks in Richland, Lexington, and Fairfield counties to help people achieve the American Dream of homeownership. Our approach is rooted in responsibility: homeowners invest 300 hours of sweat equity, complete financial education and pay an affordable mortgage—never more than 30% of their income. This model builds stability through hard work and self-sufficiency. And the results are clear. 111 homeowners have fully paid off their mortgages and 93% of current loans are current or prepaid. Affordable housing strengthens families, builds taxpayers and fuels local economic growth.

Partner with us to expand opportunity, meet CRA goals and empower people stand on their own because when homeowners have affordable mortgages, communities grow stronger. www.habitatcsc.org

2026 Palmetto Scholarship Application

Deadline: March 13, 2026

As a benefit of your bank’s membership in the SCBA, children of employees who are rising juniors or seniors in college — as well as part time employees currently enrolled in college — are eligible to apply for the Palmetto Scholarship.

The Palmetto Scholarship Program was established fourteen years ago when the SCBA directed funds into its Educational Foundation, with the goal of providing $1250 scholarships to children of employees of SCBA-member banks. This program continues to serve as a meaningful “dividend” to our member institutions and their families.

REQUIREMENTS:

• Be a resident of South Carolina;

• Have a parent who lives in South Carolina and works for a SCBA member bank OR be a part-time employee at a member bank;

• Be a full-time junior or senior undergraduate at an accredited four-year college or university during the fall semester of 2026;

• Have a minimum grade-point average of 3.0 on a 4.0 scale;

• Submit a resume and letter of recommendation from a dean or professor when completing the online application. If you are a part-time bank employee, you must also have a letter of recommendation from senior management.

Learn more and apply at scbankers.org/palmetto-scholarship

Welcome Our New Preferred Vendor:

We are thrilled to announce our new partnership with Profit Resources, Inc. (PRI), a leading financial services consulting firm that has worked with over 400 community banks over its 35-year history. PRI takes a personalized approach to strengthening profitability, leveraging a team of seasoned consultants – most of whom are former banking executives –to help community banks improve their bottom line through a unique, hands-on approach that provides quantifiable results. Their mission is well-aligned with our goals of providing resources that help our members thrive. With this partnership, our members gain access to a wide range of PRI services designed to streamline processes, control costs, and grow revenue.

This is a preview of the services PRI offers to community banks:

PERFORMANCE ENHANCEMENT

Enhance annual earnings through improved processes and efficiency.

PRI works closely with your team to analyze and improve every department’s strengths, weaknesses, and inefficiencies, delivering tactical recommendations that increase revenue and reduce costs. With PRI consultants having an average of over 30 years of banking experience, they provide hands-on, practical guidance designed to drive measurable profit gains, enhance system use, and strengthen customer service throughout your institution.

PAYMENTS

Maximize debit card profitability.

PRI leverages deep banking and payments expertise to optimize your bank’s debit card program, ensuring maximum profitability through strategic contract negotiations and

detailed interchange analysis. Their ongoing partnership approach provides tailored training, support, and continuous insights to enhance revenue, reduce expenses, and elevate customer experience in your payments portfolio.

SYSTEM EVALUATION & NEGOTIATION

Evaluate and negotiate your core and ancillary systems contracts to maximize value.

PRI evaluates current systems and negotiates contracts for core, EFT, digital, LOS, and ancillary solutions, ensuring optimal alignment with business strategy. With seasoned industry experts, PRI leads a collaborative process that delivers cost savings, improved contract terms, and technology solutions tailored to support longterm institutional goals.

BANKING STRATEGY

Develop a robust strategy to enhance performance.

PRI helps community banks develop and execute clear, focused strategic plans that balance vision with practical initiatives. By facilitating collaborative planning sessions, tracking key metrics, and maintaining alignment across leadership, the PRI team ensures strategies are actionable and drive measurable performance improvements over time.

PROJECT MANAGEMENT

Ensure successful implementation of your next major project. PRI offers expert project management services specifically designed for community banks, ensuring projects are precisely planned and executed from start to finish. Their team of expert project managers collaborates closely with clients to maintain clear communication, reduce internal workload, and deliver results that align with the bank’s strategic goals.

Hear From One of Our Clients

"Working with PRI was fantastic - their communication was excellent. Waiting for feedback from a third party can be frustrating, especially when expectations aren't clearly communicated That's not how PRI worked: they were very clear and concise on what they needed from us in order to complete a successful project and kept us up to date throughout. This made my life a lot easier!

During our brand project with PRI, we gained knowledge that we didn't have before we started, and I don't know if we would have gotten that knowledge anywhere else. No one else has ever offered us that. PRI opened our eyes to incentives we didn't know existed and helped improve the profitability of our debit card program!"

Proudly serving South Carolina’s banking industry since 1900, the SCBA is the key advocate in helping our member banks by providing leadership in legislative, regulatory, educational and value-added services.

Welcome New Bank Members

Rooted in relationships and driven by purpose, Carter Bank, a $4.8 billion, state-chartered community bank headquartered in Martinsville, Va., has helped people live life to the fullest since 1974. Their team of local, veteran bankers is ready to create opportunities for individuals and businesses to prosper through a full suite of personal and business banking solutions, including commercial lending and cash management services, tailored to each business’ specific needs and goals, no matter its size. Learn more at carterbank.com.

Fidelity Bank is a community bank founded in 1909 in North Carolina and has built its reputation on strong values and long-term relationships with customers, families, and businesses. For over 116 years, its mission has been to be an independent, sound, and profitable bank that customers choose first and bank with for life. The bank emphasizes personal service, financial safety, and community partnerships while offering a range of financial products and services across North Carolina, South Carolina, and Virginia. Learn more at fidelitybanknc.com.

Welcome

We are fortunate to have an active and engaged roster of Associate members and proudly welcome these new members:

AmTrust North America

233 N Michigan Ave Fl 12 Chicago, IL 60601 (216) 328-6100

AmTrustFI.com

Tina Hobbs 5800 Lombardo Center Seven Hills, OH 4413 (213) 608-2193

tina.hobbs@amtrustgroup.com

Arctic Wolf Networks

8939 Columbine Rd

Eden Prairie, MN 55347 (612) 518-2845 arcticwolf.com

Mr. Ryan Petterson

Senior Account Representative 8939 Columbine Road Eden Prairie, MN 55347 (612) 518-2845 ryan.petterson@arcticwolf.com

AmTrust North America, is rated “A-” (Excellent), FSC “XV”, Stable Outlook by A.M. Best. The company provides a broad suite of insurance customizable for Financial Institutions, including Management Liability, Excess Liability, Bonds and Property & Casualty products.

Every year new technologies, vendors, and solutions emerge— despite this constant innovation, breaches are all over the headlines. Organizations have scrambled to develop a better security posture, but the options leave resource-constrained teams wondering how to proceed. Enter Arctic Wolf, the market leader in Security Operations. Using Arctic Wolf’s Aurora Platform, we help organizations end cyber risk by providing security operations as a concierge service. Arctic Wolf solutions include Arctic Wolf® MDR, EDR, Managed Risk, Managed Security Awareness, and Incident Response; each delivered by our Concierge Delivery Model. Highly trained security experts work as an extension of internal teams to provide 24×7 monitoring, detection and response, and ongoing risk management to proactively protect organizations while continually strengthening their security posture.

Atlantic Community Bankers Bank

225 Grandview Avenue, Suite 401

Camp Hill, PA 17011 (717) 737-9335 acbb.com

Mr. James “Jimmy” Maness

Vice President & Relationship Manager

225 Grandview Avenue Suite 401

Camp Hill, PA 17011 (717) 409-6923 jmaness@acbb.com

Atlantic Community Bankers Bank aims to create trusting partnerships with financial institutions and enhance their capabilities to empower their communities. By delivering sophisticated correspondent banking services, innovative tools, tailored lending options, and expert guidance, we help community financial institutions access new business opportunities, attract and retain customers, streamline their operations, and boost profitability, so they can better compete in today’s marketplace and better serve their customers and communities.

BlockSurvey, Inc.

651 N Broad Street, Suite 206

Middletown, DE 19709 (302) 203-8333 blocksurvey.io/

Mr. J. Wilson Bright, Co-Founder

651 N Broad Street Suite 206

Middletown, DE 19709 (302) 203-8333 wilson@blocksurvey.org

BlockSurvey is an AI-driven privacy first survey platform transforming data collection for financial institutions through military-grade end-toend encryption. Unlike traditional survey tools, BlockSurvey ensures complete data ownership.

AI-Powered Efficiency: Generate surveys and get actionable insights from the data using AI in few minutes. Save 80% time and costs in running employee and customer surveys at scale.

Seamless Integration: White-label capabilities allow complete customization with your bank’s branding and integrate with applications. Trusted by 500+ companies, BlockSurvey delivers enterprise-grade security aligned with banking requirements. SOC 2 and ISO 27001 compliant and certified.

Enhanced Security: Our platform eliminates data breach risks through end to end encryption and zero-knowledge. Financial institutions benefit from compliant data collection, essential for handling sensitive customer information while maintaining regulatory compliance.

Candescent

864 Spring Street NW

Atlanta, GA 30308-100 (470) 410-4052 candescent.com

Mr. Lee Ho

4 Concourse Parkway, Suite 400 Atlanta, GA 30328-5397 (470) 410-4052

lee.ho@candescent.com

Capital Business Funding

809 E Main Street

Spartanburg, SC 29302 (864) 583-4000 cbfunding.com

Mr. Nash Styers, Account Executive 115 Siena Drive

Kings Mountain, NC 28086 (704) 751-2316 nstyers@cbfunding.com

Candescent helps banks deliver fast, connected, and modern financial experiences—propelling them into the era of Intelligent Banking. They raise the standard of experience, trust, and service so businesses, families, and communities can grow stronger together. Their extensive portfolio and integrated ecosystem of solutions, built on an API-first architecture, enable institutions to optimize and extend capabilities by connecting custom or third-party tools. With connected in-person, remote, and digital experiences, they reinvent service across every channel Candescent empowers financial institutions to accelerate growth, deepen engagement, and compete confidently in a digital-first world.

Capital Business Funding is a trusted direct lender specializing in asset-based financing and invoice factoring for small to mid-sized businesses. For over 20 years, Capital Business Funding has provided reliable working capital solutions to companies across industries including manufacturing, staffing, and startups. The firm focuses on helping businesses that struggle to secure traditional bank loans by offering customized financing plans tailored to unique needs. With competitive advance rates and transparent fees, Capital Business Funding ensures flexibility without long-term contracts or hidden costs. Their experienced team emphasizes strong client relationships, investing in each client’s growth and success. By delivering dependable cash flow and financial support, Capital Business Funding empowers businesses to overcome obstacles, scale operations, and achieve long-term profitability

CLIMB Fund

2 Race Street

Charleston, SC 29403

Phone: (843) 973-7298 climbfund.org

Ms. Kate Polcha, Lending Manager

2 Race Street Charleston, SC 29403 (843) 619-0392 kate@climbfund.org

CLIMB Fund is a certified nonprofit Community Development Financial Institution (CDFI) dedicated to dismantling poverty by providing accessible capital that creates jobs and expands economic opportunity. Established in 1979 as the Charleston Citywide Local Development Corporation (LDC), the organization was founded to revitalize urban areas and strengthen Charleston’s small business ecosystem. For more than four decades, Charleston LDC supported start-ups and growing businesses across Charleston, Berkeley, and Dorchester counties. In 2021, the organization re-emerged as CLIMB Fund to reflect its expanded mission of serving underserved entrepreneurs statewide, with a strong focus on rural and persistently impoverished communities. Today, CLIMB Fund leverages capital and delivers robust technical assistance, resulting in the creation of more than 475 jobs in low- to moderate-income communities.

dormakaba USA Inc.

2031 Georgetown Road Lexington, KY 40511 (866) 367-6252 dormakaba.us

Ms. Donna Greiner Marketing Manager, Safe Locks, Americas 2031 Georgetown Road Lexington, KY 4051 1 (445) 240-3216 Donna.Greiner@dormakaba.com

EnviroSouth, Inc.

3440 Augusta Road Greenville, SC 29605 (864) 915-5623 envirosouth.com

Mr. M. Allen Meadows Vice President 3440 Augusta Road Greenville, SC 29605 (864) 915-5623 ameadows@envirosouth.com

dormakaba is the world’s leading manufacturer of safe locks—the secure electronic locks installed on the equipment banks use every day. Their solutions protect teller drawers and cabinets, cash recyclers, coin machines, ATMs, safe and vault doors, night drops, and other critical cash-storage points across the branch network.

dormakaba’s portfolio includes trusted brands such as LA GARD, Cencon, Auditcon, Axessor, and their newest innovation: the Apexx Series. Axessor Apexx IP enables branches to manage lock users and codes from a central location, helping improve security, reduce operational costs, and make daily operations simpler. Learn more at: dormakaba.com/us-en/offering/products/safe-locks

EnviroSouth, founded in 2001, is a premier environmental consulting firm dedicated to building trust through exceptional service, value, and unwavering integrity. With extensive regulatory and professional consulting experience, we offer a unique combination of expertise to address various environmental challenges effectively regardless of the circumstance. Real estate professional and financial institutions turn to EnviroSouth for comprehensive Phase I Environmental Site Assessments (ESAs) to mitigate the risks and costs associated with environmental contamination risks. The Phase I ESA process is designed to evaluate a property for recognized environmental conditions (RECs) which may in some cases warrant additional assessment or remedial action. Contact us today to learn more about how our environmental due diligence services can safeguard your property transactions and investments.

Fitts & Goodwin

PO Box 515 Columbia, SC 29202 (803) 796-4660 fittsandgoodwin.com

Anne Wheeler Bell

LEED AP, Licensed General Contractor, Division Manager 120 Corporate Boulevard West Columbia, SC 29169 (803) 446-1710

Anne@FittsandGoodwin.com

Fitts & Goodwin, founded in 1984, is a second-generation, Columbia based general contractor serving commercial, healthcare and institutional clients throughout the Southeast and Mid-Atlantic. With more than 40 years of experience, the firm has completed projects in 15 states and delivered over 30 million square feet of construction across healthcare, senior living, hospitality, manufacturing, office, and industrial sectors. Fitts & Goodwin offers full-service solutions including general contracting, design/build, construction management, and comprehensive pre-construction services. Licensed in 11 states, the company is known for quality, safety, predictable schedules, and transparent communication. Long-standing relationships, experienced leadership teams, and trusted subcontractor partnerships allow Fitts & Goodwin to consistently deliver efficient, high-performing facilities tailored to each client’s long-term operational goals.

Kobalt Labs

410 W 23rd Street

New York, NY 10011 (858) 213-1136 kobaltlabs.com

Ms. Kalyani Ramadurgam Co-Founder

410 W 23rd Street

New York, NY 10011 (858) 213-1136 kalyani@kobaltlabs.com

Kobalt Labs is a powerful AI platform for financial institutions, adding consistency and accuracy to critical workflows in TPRM and compliance while cutting manual overhead. Synchronized with the evolving regulatory environment, Kobalt streamlines vendor diligence, policy gap analysis, marketing compliance, and other high-scrutiny areas by instantly identifying risks and accelerating remediation at scale.

Marsh McLennan Agency

47 Postal Parkway Newnan, GA 30263 (706) 645-2211 marshmma.com

Mr. Blake Adams Vice President 47 Postal Parkway Newnan, GA 30263 (678) 675-2206 Blake.Adams@MarshMMA.com

Pentegra Retirement Services

701 Westchester Avenue, Suite 320E

White Plains, NY 10604 (914) 607-6849 pentegra.com

Mr. John Schafer, VP 401(k) Fiduciary Administration Outsourcing Expert 701 Westchester Avenue, Suite 320E White Plains, NY 10604 (914) 821-9534 john.schafer@pentegra.com

Moore & Van Allen

100 N Tryon Street Charlotte, NC 28202 (704) 331-1000 mvalaw.com

Mr. Robert R. “Rob” Smith II Counsel, Public Affairs 100 North Tryon Street Charlotte, NC 28202 (704) 331-1091 robsmith@mvalaw.com

TransFund

1 One Williams Center, 22nd Floor Tulsa, OK 74172 (325) 280-2779 transfund.com/merchant

Mr. Luke Shoemaker

Senior Sales Executive 715 Golf Course Road Hamlin, TX 79520 (325) 280-2779 lshoemaker@transfund.com

Marsh McLennan Agency is the middle market focused subsidiary of Marsh McLennan (NYSE:MMC), the world’s largest leading insurance broker and risk advisor. MMA serves commercial and individual clients with data-driven risk solutions and advisory services, specializing in Commercial Property & Casualty, Employee Benefits, Director’s & Officers Liability, Employment Practices Liability, Bankers Professional Liability, FI Bond, Cyber, Alternative Risk Solutions, Risk Management, Surety and Claims Management.

Pentegra is a leading provider of retirement plan and fiduciary outsourcing solutions to banks nationwide. Founded by the Federal Home Loan Bank system in 1943, Pentegra delivers retirement plans that run with less risk, greater efficiencies and improved outcomes. Pentegra specializes in helping banks outsource retirement plan fiduciary responsibility, streamlining plan administration, reducing workloads and minimizing the risk, responsibility and liability that comes with offering a retirement plan. With an 80-year legacy of fiduciary expertise and a level of oversight unmatched in the industry today, they offer a comprehensive array of retirement plan solutions, plan consulting, TPA services and fiduciary support.

For 75 years, Moore & Van Allen (MVA) has practiced law and served clients with excellence in the core practice areas of Corporate & Transactional, Finance & Investments, and Litigation & Global Disputes. An Am Law 200 firm comprised of 400+ professionals practicing across 90+ capability areas, MVA lawyers are recognized nationally for their deep industry knowledge and strategic, customized solutions to complex matters.

TransFund is a nationally recognized leader in electronic payment solutions, specializing in debit and credit card processing, ATM network management, and innovative financial services. Founded in 1975 and headquartered in Tulsa, Oklahoma, TransFund has five decades of experience helping community financial institutions thrive in a competitive marketplace. With a strong focus on client success, TransFund provides personalized service, zero-cost marketing support, and seamless conversions to help institutions grow profitability and enhance customer satisfaction. Their commitment to integrity and leadership help fuel long-term partnerships and trusted guidance. TransFund’s technology-forward approach and deep industry expertise make it a reliable partner for institutions looking to expand payment capabilities while delivering top-tier service to their account holders.

With all of the evolving financial industry changes, we are thankful for business alliances that meet our members’ needs. The SCBA is dedicated to supporting and promoting cutting-edge industry providers to our member banks.

For more information about Associate Membership, please contact SCBA Senior Vice President, Carolyn Bradley by email at carolynbradley@scbankers.org. Scan here for our complete Associate Member Directory.

ANDERSON BROTHERS BANK

Rivers Anderson has been promoted to chief operating officer.

Jaclyn Bost has been promoted to loan officer in the Conway Church Street office.

Richard Carroll has been promoted to executive vice president and chief credit officer.

Rebecca Cooper has been promoted to loan officer at the Aynor branch.

Tracy Harrelson has been promoted to consumer loan officer at the Georgetown branch.

Constance Jackson has been promoted to assistant branch manager at the Loris Main Street branch.

Jody Lambert, Vice President of Dealer Risk Management, has been appointed to the National Automotive Finance Association Board of Directors.

Bryan Lenertz has been promoted to executive vice president and chief banking officer.

Ryan Rouse has been promoted to assistant branch manager at the Dillon branch.

Brooke Squires has been promoted to branch operations coordinator at the Aynor branch.

Samantha Strickland has been promoted to digital marketing & reporting coordinator within the marketing department in Mullins.

Rand Waller has joined the bank as a commercial loan officer at the Conway branch.

BLUE RIDGE BANK

Trisha Warwick has joined the bank as senior vice president and chief credit officer.

COASTAL STATES BANK

Laura Fraser has been promoted to Lowcountry market president.

Rhonda Thornton has been appointed chief retail and experience officer, unifying retail operations and branch network across the Lowcountry, Savannah, and Atlanta Region.

FIRST CAPITAL BANK

Tradd Rodenberg has been promoted to president and will remain chief lending officer. Rodenberg joined First Capital Bank in 2019 and has overseen the bank’s commercial and consumer banking teams.

FIRST CITIZENS BANK

JP Connell has been promoted to area executive in South Carolina. He will oversee the Charleston region.

Justin Rice has been promoted to area executive in South Carolina and Georgia. He will oversee the South Carolina Lowcountry region, as well as Savannah, GA.

SOUTH CAROLINA BANKERS ASSOCIATION

Jill Valdez has been hired as controller.

THE CITIZENS BANK

Margi M. Fleming has been promoted to senior vice president, chief administrative officer.

THE SOUTHERN BANK

Jaclyn Port has been promoted to vice president, finance officer.

Nathan Sullivan has been promoted to vice president and credit administration manager.

Jessica Takach has been promoted to vice president, commercial lender.

UNITED BANK

Douglas Ernest, Jr. has been promoted to Myrtle Beach Market president.

Hannah Gurtis has been promoted to Charleston Market president.

In addition to publishing public notices and legal advertisements in your local newspaper, notices from all S.C. newspapers are now also available online, free of charge and in one convenient location.

SCPublicNotices.com is designed to help citizens and businesses know more about the actions of local, county and state government and the courts.

and

SUBSCRIBE

ANDERSON BROTHERS BANK

Anderson Brothers Bank officially opened the doors to its newest branch in Carolina Forest on September 22, marking a major milestone in the bank’s continued growth throughout South Carolina. Located at 91 McLeod Boulevard near International Drive, the new branch is now open and ready to serve customers with a convenient location and a community-focused atmosphere.

The Carolina Forest branch is the bank’s 26th location across the Pee Dee and Coastal regions, underscoring Anderson Brothers Bank’s long-standing commitment to expanding access to banking services.

COASTAL STATES BANK

Coastal States Bank marked a significant milestone Jan. 7, 2026, ringing the Opening Bell at the New York Stock Exchange (NYSE) in celebration of the initial public offering (IPO) and official listing of its holding company, CoastalSouth Bancshares, Inc. (NYSE: COSO). The opening bell was rung by the company’s Chairman Jim MacLeod and President and Chief Executive Officer Stephen R. Stone, who were joined on the podium by members of the bank’s board of directors and senior leadership team. Officials said the Opening Bell ceremony reflects CSB’s transition to operating as part of a publicly traded organization, following the completion of CoastalSouth’s IPO in July of 2025.

“This represents an important chapter in our story,” said Stone. “Our IPO and listing on the NYSE have given us the resources we need to continue to build on our strong foundation, expand our impact in our communities, and serve our clients with the same relationship-driven approach that has defined who we are since our inception in 2004.”

FIRST CITIZENS BANK

First Citizens Bank donated $25,000 to support South Carolina Independent Colleges and Universities. South Carolina Independent Colleges and Universities (SCICU) announced the investment from First Citizens Bank in support of the Student Lifeline Grants Program. This renewed commitment significantly expands the program’s ability to provide emergency financial assistance to students attending South Carolina’s private colleges and universities. Student Lifeline Grants help bridge short-term financial gaps that could otherwise force students to pause or discontinue their education. These funds support needs such as unexpected medical bills, transportation challenges, food insecurity, and other urgent personal or academic expenses. By covering these essential expenses, the grants offer students a lifeline in their times of greatest need.

“We are deeply grateful to First Citizens for their generous investment in South Carolina’s independent colleges and universities. This gift not only strengthens our mission but also affirms the vital role private higher education plays in shaping the future of our state. Their commitment to student success and community impact is truly inspiring,” said SCICU President Robert Lloyd.

United Community was the 2025 recipient of The American Bankers Association Foundation Community Commitment Award for Volunteerism. United Community’s volunteer-driven Financial Literacy Month initiative mobilized nearly 2,000 employees across five states to deliver financial education to more than 31,000 students and adults. Supported by the Together for Good Council and the United Community Foundation, the program combines education, charitable giving, and hands-on service to strengthen financial health and community resilience.

United Community announced a three-year corporate sponsorship with Junior Achievement (JA) BizTown Mobile® of South Carolina. This hands-on program brings a mini city to South Carolina schools, where students get to run businesses, earn “paychecks” and make real-world money decisions. As the official bank sponsor, United Community is proud to help thousands of students learn how to earn, save and spend wisely – all while having fun.

Throughout the 2025–2026 school year, JA BizTown Mobile is expected to serve 4,000 to 5,000 students, with participation projected to grow each year as the program reaches more schools. The program serves students across Charleston, Columbia, Greenville, Myrtle Beach, Greenwood and Beaufort, increasing access to hands-on financial education in communities throughout South Carolina.

“At United Community, we believe financial confidence starts early,” said Julie Von Bokern, senior vice president and head of marketing and communications at United Community. “JA BizTown lets students practice real-life money decisions, such as earning, saving and working together, so financial decisions feel familiar, not intimidating. Supporting programs like this helps us invest in future leaders and build stronger communities.”

United Community South Carolina and Coastal Georgia State President Dixon Woodward added, “Helping young people build confidence with money is something we care deeply about at United Community. JA BizTown Mobile gives students real-life practice with money choices, helping them feel prepared and empowered as they grow.”

WE THINK BIG, and believe our clients should

Reliable Asset-Based Financing

Capital Business Funding is a top-rated, highly recognized direct lender, offering working capital and multiple financing options to small and mid-size businesses in various industries.

Our clients typically face challenges with obtaining traditional bank loans, so we create customized financial solutions for them. Our team of knowledgeable and experienced professionals provides industry knowledge needed for decision-making and comprehensive services, all backed by a strong foundation of reliability and trust.

We value our relationships with our clients and partners alike, always going the extra mile to ensure opportunities for growth and success.

Why Choose Us?

Entrusting a lender with your business financing is a BIG deal and something that our team at CBF takes very seriously. There are many things that set us apart from other firms, but here are our favorites:

Client Relationships Really Matter

We pride ourselves on developing trusting, long-lasting relationships with our clients starting day one.

Customized Financing Solutions

We build financing solutions from the ground up, customized to fit clients’ unique needs and requirements.

Our Success Is Your Success

We invest in the growth and development of our clients’ businesses, measuring our successes based on their success.

Calendar of Events

February

12

Human Resources Conference

THURSDAY 9 AM – 3 PM

From recruitment to selection, performance management and retention, the human resource function has a direct impact on an organization’s productivity and bottom-line results. The SCBA Human Resources Committee has developed a one-day conference to bring human resource managers up-to-date on the latest trends and changes in their field. A knowledgeable slate of speakers will share their expertise with you, including the keynote, “Why Current Performance, Retention, and Engagement Strategies Aren’t Working.”

LOCATION: Springhill Suites Columbia 511 Lady Street Columbia, SC

March

3 -

4

TUESDAY 12 PM – WEDNESDAY 12 PM

Join senior banking leaders from across the Carolinas for two days of high-level networking, strategic insight, and peer collaboration. The Summit brings together directors, C-suite executives, and industry experts to explore the most pressing challenges and emerging opportunities facing community banks today— along with a networking reception and dinner, providing an ideal setting to exchange ideas and deepen professional relationships.

LOCATION: UNC Charlotte Marriott Hotel 9041 Robert D. Snyder Road Charlotte, NC

March

8:30 AM – 4:30 PM 2426

Commercial Lending School

TUESDAY, WEDNESDAY, THURSDAY

This school is designed to provide the commercial lender, senior loan support officer, or loan review officer with the tools required to generate and support the commercial lending function of the bank. The class will build the skills required to support the analysis of commercial borrower’s financial statements and to support the regulatory requirements for risk management. Relationship banking requires the modern commercial lender possess top notch business and analytical skills. The proper management of the commercial portfolio is one of the requirements of today’s lenders. This is in part accomplished by the proper application of the bank’s risk rating system. The documentation of the loans from credit memo writing to closing documents is an expected responsibility of the loan officer.

LOCATION: Courtyard Marriott at USC 630 Assembly Street Columbia, SC

April 14 -

15

Women in Banking Leadership Symposium

TUESDAY 1:30 PM – 6:30 PM

WEDNESDAY 8:00 AM – 12:30 PM

This Symposium will feature a strong lineup of accomplished businesswomen who will help women bankers be more effective leaders and bankers. The program will broaden awareness and knowledge of key industry issues, as well as inspire and empower from stories of success and experience, with plenty of time to network with peers from across the state.

LOCATION: Hilton Columbia Center 924 Senate Street Columbia, SC 29201

For our most up-to-date calendar of events

EMERGING LEADERS ANNUAL CONFERENCE: MARCH 13-15, 2026

The Ritz-Carlton Reynolds, Lake Oconee, Greensboro, GA