March/April 2026 Wisconsin Banker

Wisconsin Banker

2026 Wisconsin Bankers Association Bank Executives Conference – A Success

By Heather MacKinnon

Nearly 300 bankers, representing 91 banks, gathered the first week of February in Wisconsin Dells for the 2026 WBA Bank Executives Conference coming together for two days of networking and education. Attendees connected with colleagues from across the state, heard insights from national keynote speakers, and customized their experience through a variety of breakout sessions all meant to help banks remain relevant in a rapidly evolving industry.

The conference began with the opportunity for bankers to choose between attending CEO, CFO, COO, human resources/organizational development, lending/credit, or marketing/business development banker-only peer group discussions before attending a welcome reception sponsored by FHLBank Chicago.

Paul Northway, WBA board chair and president and CEO of American National Bank Fox Cities opened the full-day of events with a welcome and invitation to consider the relevancy of the banking industry, Wisconsin’s banks, and of bank leadership. Relevance was the theme of this year’s annual conference and is the theme Northway chose to guide his year as WBA board chair. Northway also asked the audience to think about four things as leaders — be curious, have change-ready leadership, be purpose-driven, and talentmultiplying.

Bestselling author Chris Dyer took the audience on a fast-moving tour of the Future of Work, beginning with why today’s pace of change may feel like an avalanche. Dyer also shared three proven pillars which help teams and leaders thrive in times of rapid transformation. Attendees walked away with practical, actionable tools — like meeting hacks that free up time, smarter ways to manage email, and boundary-setting strategies that prevent burnout — while also strengthening relationships and fostering a culture of belonging.

Continued on pg. 11

Beyond the Branch: Wisconsin Bankers Advocate at the State Capitol

By Elizabeth Fenton

On a cold February morning in Madison, 250 bankers braved brisk winds and the familiar bottleneck of John Nolen Drive construction to gather at Monona Terrace. Lenders, retail staff, and executives alike convened to discuss topics larger than their own branch: customers, small businesses, crypto kiosks, and seniors targeted by scams.

The Wisconsin Bankers Association (WBA) hosts Capitol Day every year — a day that serves as a reminder that banking is shaped by public policy. The day offers something invaluable to legislators who have never worked in banking: real-world stories.

Bankers from every corner of the state traveled to meet with 31 State Senate offices and 71 State Assembly offices, and shared firsthand stories about how legislative decisions affect financial access, fraud prevention, housing, and economic growth across Wisconsin’s counties.

WBA encouraged bankers of every role and tenure to attend,

recognizing that the industry’s full story is best told through a diversity of experiences. Matthew Peterson, Branch Manager at Horicon Bank, testified to how seamless the day felt. “I was a little nervous going in — meeting with members of our state legislature and having only about three-and-a-half years in banking made it feel a bit intimidating at first. WBA did an outstanding job organizing the day and preparing us for every step.”

Preparing Bankers to Be Advocates

The morning sessions equipped attendees with context for the day that followed. Bankers heard from the Capitol Insiders panel, received a government relations update from WBA’s government relations team, and divided into district-based groups before heading to the Capitol.

Peterson noted that the morning debriefs gave him confidence for the sessions that followed. “They provided clear talking points,

Continued on pg. 9

Relevance Is Earned: The Power of Community Week

By Paul Northway

Relevance is not a slogan. It is not something we declare. It is something we earn — day after day, relationship by relationship, community by community. That belief is at the heart of Power of Community Week, and it is why this week matters so much to community banks across Wisconsin.

During the week of April 20–25, we will pause — at least intentionally — to tell the story of what community banking really looks like. Not in balance sheets or press releases, but in food pantry shelves stocked, small businesses supported, nonprofits strengthened, and neighbors helped. Power of Community Week gives us a shared moment to shine a light on work that, quite frankly, happens all year long.

And that is precisely why it reinforces our relevance. Community banks exist in an increasingly noisy, crowded, and commoditized financial marketplace. Consumers can open accounts with a few clicks. Businesses are marketed “frictionless” solutions from institutions that may never set foot in their town. Technology is changing expectations faster than ever.

In that environment, relevance is not about having the most features — it’s about having the deepest relationships. Power of Community Week reminds us that our differentiator is not scale, but connection. Not speed alone, but trust. Not products, but purpose.

When bankers volunteer alongside their coworkers, serve on nonprofit boards, sponsor local events, mentor students, or support economic development initiatives, they are doing more than giving back. They are embedding their institutions into the fabric of their communities. They are proving that community banks are not simply located in towns — we are invested in them.

Relevance matters to our customers. People want to do business with organizations that share their values and understand their challenges. They want to know that their deposits are fueling local growth, not disappearing into distant markets. Power of Community Week gives us permission — and responsibility — to tell that story clearly and confidently.

It also matters to our employees. In a competitive labor market, especially for younger professionals, purpose is a powerful driver. Community engagement creates meaning beyond job descriptions. It reminds employees why their work matters and how their efforts contribute to something bigger than themselves. Banks that lean into community impact are not just more relevant externally — they are more compelling places to build a career.

And finally, it matters to our industry. Community banking is strongest when we collectively show up. Power of Community Week is a reminder that while we compete in the marketplace, we stand together in our commitment to Wisconsin’s communities. It strengthens our advocacy efforts, reinforces our public narrative, and demonstrates — in very tangible ways — why community banks continue to play an essential role in the state’s economic and social well-being.

Relevance is not static. It must be renewed. Power of Community Week is not about checking a box or creating a once-a-year highlight. It is about reflecting on who we are, why we exist, and how we continue to earn the trust placed in us. It challenges us to ask a simple but powerful question: If our bank disappeared tomorrow, would our community feel it?

For community banks across Wisconsin, the answer is a resounding yes. And that is relevance — earned, lived, and shared.

Northway is president and CEO of American National Bank Fox Cities and the 2025–2026 WBA Chair.

Is your community bank thriving?

Meet Sean.

Sean works hand-in-hand with community banks in the Midwest to find ICBA member benefits that help them achieve their bank’s goals.

Sean is a proud cheesehead and Green Bay Packers shareholder, cheering on the team to the Super Bowl each year when he’s not on the road representing ICBA.

For community banks in the Midwest, he’s your biggest champion helping you partner with ICBA for success.

Learn more at icba.org/membership

• Loan participation purchases and sales*

• Bank stock financing

• Bank executive and employee financing

*We do not reparticipate loans.

Callie Schlieman SVP/Correspondent Banker

By Scott Birrenkott

Agent Authority

A frequent type of fiduciary that banks work with are agents. A fiduciary is anyone who has authority to act on behalf of another. An agent is a fiduciary who has authority to act on behalf of another (known as a principal) through a power of attorney (POA) agreement. Thus, the extent to which an agent may act is always outlined within the POA agreement. For this reason, it’s important for banks to collect and review POA agreements carefully.

There are three types of POA agreements a bank might encounter: a statutory form, bank’s own form, and a custom form. The statutory form is outlined in Wisconsin’s Uniform Power of Attorney statute (Chapter 244). The statutory form is maintained and distributed through the Wisconsin Department of Health Services (DHS). Note that DHS maintains both the statutory POA agreement for both finances and healthcare. Banks should be mindful to ensure that an POA agreement presented relates to finances, as a POA for healthcare provides no authority over finances.

Bank’s own form is a form created by a bank — likely created by a bank’s core, or other document software provider. Because different vendors may provide different forms, it’s important to work with bank’s vendor to determine the authority and usage of such a form.

Finally, banks may encounter a custom form. Such a form may be drafted by an attorney, but it might also be something the customer found or created themselves. In any case, because the authority of an agent comes from the language within the POA agreement, the bank must collect it and review it accordingly.

When reviewing a POA agreement, one useful starting point can be to see if the POA agreement provides general powers for finances. Chapter 244 provides for general authority with respect to banks and other financial institutions. There is a list of general powers within the statute which can be helpful for understanding the scope of such general language. It’s important to understand that if the POA agreement exclusively provides for general authority, the agent does not have any additional powers. The POA agreement needs to specify any authority explicitly requiring it under statute, or not otherwise included in the general grant. Because this quickly becomes a POA specific analysis, if a bank is unsure on its interpretation of the scope of an agent’s authority within a POA agreement, WBA recommends working with an attorney to receive a legal opinion.

Birrenkott is WBA director – legal.

20 Years of the Scenes of Wisconsin Calendar Photo Contest!

Do you have a breathtaking shot of Wisconsin’s landscapes, cityscapes, or hidden gems? Your photo could be featured in WBA’s beloved Scenes of Wisconsin Calendar for 2027!

Now entering its 20th year, the calendar has become more than a collection of images — it’s a cherished tradition for bank customers across the state. Wisconsin bankers and residents enter the photo contest each year and look forward to picking up their copy at the bank when they arrive. Customized with your bank’s logo, it serves as a unique and personal marketing tool, exclusively available to Wisconsin banks.

Now, it’s your turn to be part of this tradition! Photo submissions for the 2027 calendar are open now through May 1,

2026. Winners will be notified by June 1, 2026.

Don’t miss this opportunity to share your perspective and have your photography featured in homes and offices across Wisconsin. Visit www.wisbank.com/ ScenesOfWI to submit your photos or to order calendars for your bank.

Submit your photos now!

Show us Wisconsin through your eyes — enter today!

Nominate a Leader in Banking Excellence

The Wisconsin Bankers Association Leaders in Banking Excellence Wall honors current and former banking leaders who have helped shape their bank and/or our state’s banking industry with recognition as a fixture in the WBA headquarters building in Madison. The wall was established in 2020 and now features 32 profiles.

WBA is accepting nominations for the seventh-year class. Nominate a banker at wisbank.com/community/excellence by May 15, for excellence in banking, civic involvement, and community service.

You will honor your approved banker or family by also investing in the industry's financial literacy with a $10,000 contribution to the Wisconsin Bankers Foundation, WBA’s public charity foundation. The contribution may be tax-deductible.

A New Milestone Met – Over $300,000 Raised for Political Advocacy

The Wisconsin Bankers Association is pleased to announce that over $300,000 was raised this past year from members for political advocacy — the first time ever that this level has been met! WBA extends a huge thank you to all who contributed this past year to the Alliance of Bankers for Wisconsin (ABW) political conduit, Wisbankpac, or the WBA Issue Advocacy Fund, as every dollar helps advocate for Wisconsin’s banking industry at both state and federal levels. WBA would like to especially recognize the following banks and individuals receiving distinctions for 2025 advocacy contributions and involvement.

2025 Gold Triangle

The Gold Triangle designation recognizes banks with officers, directors, and employees who in the aggregate personally contribute an amount ranging from $1,500 - $7,000 to the ABW. The minimum amount is based upon the bank’s asset size.

American National Bank Fox Cities; Associated Bank, Green Bay; Bank CMG, Madison; Bank Five Nine, Oconomowoc; Bank of Deerfield; Bank of Milton; Bank of Sun Prairie; Bankers’ Bank, Madison; BLC Community Bank, Little Chute; Bluff View Bank, Galesville; Bristol Morgan Bank, Oakfield; Capitol Bank, Madison; Citizens Bank, Mukwonago; Citizens First Bank, Viroqua; Cumberland Federal Bank, FSB; Dairy State Bank, Rice Lake; Farmers State Bank of Waupaca; First Business Bank, Madison; First Citizens State Bank, Whitewater; First National Community Bank, New Richmond; Fortifi Bank, Berlin; Forward Bank, Marshfield; Horicon Bank; IncredibleBank, Wausau; Johnson Financial Group, Racine; JP Morgan Chase Bank; Lake Ridge Bank, Middleton; Marathon Bank, Wausau; Mound City Bank, Platteville; National Exchange Bank and Trust, Fond du Lac; Nicolet National Bank, Green Bay; North Shore Bank, Brookfield; Northwestern Bank, Chippewa Falls; Oak Bank, Fitchburg; Oostburg State Bank; Peoples State Bank, Prairie Du Chien; Premier Community Bank, Marion; Prevail Bank, Medford; Security Financial Bank, Durand; Security State Bank, Iron River; State Bank Financial, La Crosse; State Bank of Chilton; The Bank of Brodhead; The Bank of New Glarus; The Equitable Bank S.S.B., Wauwatosa; The Farmers & Merchant Bank, Berlin; The Huntington National Bank; The Park Bank, Madison; The Peoples Community Bank, Mazomanie; The Peshtigo National Bank; The Pineries Bank, Stevens Point; The Port Washington State Bank; The Stephenson National Bank and Trust, Marinette; Town Bank, N.A., Hartland; Tri City National Bank; Waldo State Bank; Wisconsin Bankers Association; and Wolf River Community Bank, Hortonville.

2025 BIGG Award

The Bankers Involved with Grassroots and Government (BIGG) award recognizes banks that complete five out of seven criteria and is WBA’s highest level of bank recognition for advocacy.

American National Bank Fox Cities; Associated Bank, Green Bay; Bank CMG, Madison; Bank Five Nine, Oconomowoc; Bank of America; Bank of Deerfield; Bank of Sun Prairie; Bank of Wisconsin Dells; Bankers’ Bank, Madison; Bluff View Bank, Galesville; BMO Bank; Bristol Morgan Bank, Oakfield; Capitol Bank, Madison; CBI Bank and Trust, Beloit; Citizens First Bank, Viroqua; Cumberland Federal Bank; First Business Bank, Madison; First Citizens State Bank, Whitewater; First National Community Bank, New Richmond; Fortifi Bank, Berlin; Forward Bank, Marshfield; Horicon Bank; IncredibleBank, Wausau; Johnson Financial Group, Racine; JP Morgan Chase Bank; Ladysmith Federal Savings and Loan Association; Lake Ridge Bank, Middleton; Marathon Bank, Wausau; Mound City Bank, Platteville; National Exchange Bank and Trust, Fond du Lac; Nicolet National Bank, Green Bay; North Shore Bank, Brookfield; Northwestern Bank, Chippewa Falls; One Community Bank, Oregon; Oostburg State Bank; Peoples State Bank, Prairie Du Chien; PNC Bank; Premier Community Bank, Marion; Royal Bank, Elroy; Security Financial Bank, Durand; Security State Bank, Iron River; State Bank of Chilton; State Bank Financial, La Crosse; The Bank of Brodhead; The Bank of New Glarus; The Equitable Bank S.S.B., Wauwatosa; The Huntington National Bank; The Park Bank, Madison; The Peshtigo National Bank; The Pineries Bank, Stevens Point; The Port Washington State Bank; The Stephenson National Bank and Trust, Marinette; Town Bank, N.A., Hartland; Tri City National Bank, Oak Creek; U.S. Bank; Waldo State Bank; Wells Fargo Bank; and Wolf River Community Bank, Hortonville.

2025 Leadership Circle

This designation recognizes individual bankers who have made a minimum contribution of $3,000 to any combination of the ABW political conduit or Wisbankpac.

Barry Brodbeck, Mound City Bank, Platteville

Andy Harmening, Associated Bank, Milwaukee

Kelly Heroux, The Peshtigo National Bank

Laura Hoerth, State Bank of Chilton

Donna Hoppenjan, Mound City Bank, Platteville

Shane Ilstrup, Citizens First Bank, Viroqua

Terry Katsma, Oostburg State Bank

Scott Kopp, Bluff View Bank, Galesville

Adam Lange, BLC Community Bank, Little Chute

Greg Lundberg, Fortifi Bank, Berlin

Jay McKenna, North Shore Bank, Brookfield

Todd Nagel, IncredibleBank, Wausau

Todd Nicklaus, IncredibleBank, Wausau

2025 Silver Triangle

Paul Northway, American National Bank Fox Cities

Michael Olson, The Bank of Brodhead

Rose Oswald Poels, Wisconsin Bankers Association

Thomas Pamperin, Premier Community Bank, Marion

Joseph Peikert, Wolf River Community Bank, Hortonville

Thomas Sattler, The Equitable Bank, SSB, Wauwatosa

Frederick Schwertfeger, Horicon Bank

David Seiler, First Business Bank, Madison

Lindsay Spitzer, Bluff View Bank, Galesville

Kenneth Thompson, Capitol Bank, Madison

Eric Witczak, Nicolet National Bank, Green Bay

Clark Yolitz, Dairy State Bank, Rice Lake

The Silver Triangle designation recognizes individual bankers who have made a minimum contribution of $1,000 to the ABW political conduit, Wisbankpac, and/or the WBA Issue Advocacy Fund.

Raymond Allen, IncredibleBank, Wausau

Alvaro Araque, Johnson Financial Group, Racine

Steve Arps, Fortifi Bank, Berlin

Stephen Bianchi, Citizens Community Federal National Association

William Bohn, Nicolet National Bank, Green Bay

Steven Brogley, Mound City Bank, Platteville

James Caldwell, First Citizens State Bank, Whitewater

Bryan Carson, Associated Bank, Milwaukee

Scott Cattanach, Peoples State Bank, Wausau

Vanessa Chaviano, IncredibleBank, Wausau

Brennen Clark, Peoples State Bank, Prairie du Chien

Kristine Cleary, State Bank Financial La Crosse

Dennis Cooley, Mound City Bank, Platteville

Lorenzo Cruz, Wisconsin Bankers Association

Susan Doyle, North Shore Bank, Brookfield

Charles Dubois, First Citizens State Bank, Whitewater

Daniel Epstein, State Bank Financial La Crosse

Stewart Etten, IncredibleBank, Wausau

Tom Farrell, Peoples State Bank, Prairie du Chien

Mark Forsythe, Peoples State Bank, Prairie du Chien

Tyler Foti, Wisconsin Bankers Association

Eric Glewen, Oostburg State Bank

Marshal Gorwitz, American National Bank-Fox Cities

John Halechko, Associated Bank, Milwaukee

Jim Hartlieb, First Business Bank, Madison

Paul Hoffmann, Lake Ridge Bank, Middleton

Travis Holt, Citizens State Bank of Loyal

Shay Horton, Cumberland Federal Bank, F.S.B.

Gerald Jacobson, The Northwestern Bank, Chippewa Falls

Daniel Jansen, Mound City Bank, Platteville

John Kaiser, Security Financial Bank, Durand

Ryan Kamphuis, Bristol Morgan Bank, Oakfield

Jimmy Kauffman, Bank of Sun Prairie

Michael Kellman, North Shore Bank, Brookfield

Pamela Kelly, Wisconsin Bankers Association

Dean Keyes, Mound City Bank, Platteville

Joseph Kraemer, Peoples Community Bank, Mazomanie

Bruce Kroll, Mound City Bank, Platteville

Gary Kuter, Bank of Sun Prairie

Laine Lazers, Farmers State Bank of Waupaca

Steve Leaman, Horicon Bank

Dennis Long, American National Bank-Fox Cities

Scott Lopas, Forte Bank, Hartford

Daryll Lund, Wisconsin Bankers Association

Heather MacKinnon, Wisconsin Bankers Association

David Martin, American National Bank-Fox Cities

John Matter, The Equitable Bank, SSB, Wauwatosa

Jim Mayo, Security Financial Bank, Durand

James McKenna, North Shore Bank, Brookfield

Ryan McMurtrie, American National Bank-Fox Cities

Robert McPherson, Peoples State Bank, Wausau

Philip Menzner, IncredibleBank, Wausau

Thomas Mews, First National Community Bank, New Richmond

Gregory Mieske, Spring Bank, Brookfield

Matt Moroney, Citizens Bank, Mukwonago

Peter Mouw, IncredibleBank, Wausau

Peter Mumm, Mound City Bank, Platteville

Sarah Napgezek, IncredibleBank, Wausau

Gregory Nicklaus, IncredibleBank, Wausau

Jenifer Nieuwenhuis, IncredibleBank, Wausau

Greg Ogren, Security State Bank, Iron River

Scott Ogren, Security State Bank, Iron River

Mark Oldenberg, Security Financial Bank, Eau

Claire

Craig O'Leary, The Bank of Brodhead

Nate Parrish, First Citizens State Bank, Whitewater

Daniel Peterson, The Stephenson National Bank & Trust, Marinette

Glendon Peterson, IncredibleBank, Wausau

Michael Phillips, Mound City Bank, Platteville

Susan Polito, The Stephenson National Bank & Trust, Marinette

Timothy Purman, Forte Bank, Hartford

Daniel Ravenscroft, Royal Bank, Elroy

Bradley Reitzner, Mound City Bank, Platteville

Tim Rennes, The Peshtigo National Bank

Roger Retzlaff, Wolf River Community Bank, Hortonville

Scott Rockwell, Bank of Wisconsin Dells

Timothy Ryan, Lake Ridge Bank, Middleton

Greg Salmen, The Stephenson National Bank & Trust, Marinette

Ron Schaaf, The Bank of New Glarus

Timothy Schneider, Bank Five Nine, Oconomowoc

Steven Schowalter, The Port Washington State Bank

William Sennholz, Forward Bank, Marshfield

James Senty, The Park Bank, Madison

Paul Senty, The Park Bank, Madison

Jeremy Shea, The Park Bank, Madison

Brad Stamper, Bankers' Bank, Madison

Kathy Strasser, IncredibleBank, Wausau

Gary Stroyny, IncredibleBank, Wausau

Laurie Stupak, The Stephenson National Bank & Trust, Marinette

Angela Swanson, Wisconsin Bankers Association

Jeanne Szepieniec, Security Financial Bank, Durand

Katie Tolokken, Peoples State Bank, Wausau

Jim Tubbs, Lake Ridge Bank, Middleton

Jeff Vohs, CBI Bank & Trust

Steven Walber, Fox Valley Savings Bank, Fond du Lac

Brandon Wegner, Bank of Wisconsin Dells

Jacob Weinand, Forward Bank, Marshfield

Allen Weiss, The Equitable Bank, SSB, Wauwatosa

Nicole Wiese, National Exchange Bank & Trust, Fond du Lac

By Lorenzo Cruz

Illinois Interchange Decision: Implications for Wisconsin

Key Messages for Wisconsin Lawmakers

Earlier this month, the U.S. District Court for the Northern District of Illinois issued its decision on Illinois’ Interchange Fee Prohibition Act in litigation brought by the Illinois Bankers Association, the American Bankers Association, and others on behalf of the banking industry.

The court largely upheld the Illinois statute. However, this is only the first step in the legal process and not the final word. An expedited appeal to the United States Court of Appeals for the Seventh Circuit was filed on February 13, 2026. WBA remains confident that the Seventh Circuit will carefully evaluate the significant federal preemption issues raised in this case.

Background

Enacted in 2024 as part of Illinois’ state budget, the Interchange Fee Prohibition Act bars banks, payment networks, and others in the payment stream from charging or receiving interchange fees on the tax and gratuity portions of debit and credit card transactions. The law also restricts how transaction data may be used, limiting distribution or use except to process the payment or as required by law. The law is currently set to take effect July 1, 2026.

The Court’s Decision

The central issue was whether federal banking laws including the National Bank Act and the Home Owners’ Loan Act preempt the Illinois statute. The associations argued that the law significantly interferes with nationally chartered banks’ and federal savings associations’ powers to process payments, take deposits, and extend credit.

The district court rejected those arguments, concluding that the Act regulates fees established by payment card networks rather than directly limiting federally authorized bank powers. The judge acknowledged the law would be “indisputably disruptive,” but ruled that compliance costs alone do not render a statute unconstitutional. Importantly, the ruling focused on who the law applies to, not whether it represents sound public policy.

The Wisconsin Bankers Association has been monitoring this case closely, as draft interchange fee legislation had been circulated early last year but not introduced in Wisconsin pending the litigation outcome.

As discussions continue, several points are critical:

• Litigation is ongoing. This is one district court decision. An expedited appeal is being filed, and WBA is confident in a successful outcome from the Seventh Circuit.

• The broader policy debate remains. The question is whether interchange should apply to the full transaction or only a portion. That debate should occur openly and transparently.

• The law is disruptive. Even the court recognized this. The operational consequences could include dual transactions at checkout, greater reliance on cash or checks, and confusion for consumers.

• Community institutions would be harmed. Evidence shows interchange restrictions primarily benefit large national retailers while imposing costs and compliance burdens on community banks, smaller financial institutions, and small businesses.

• Transparency matters. Historically, interchange proposals have only passed in one state when embedded in last-minute negotiations. When debated openly, they have consistently been rejected in Wisconsin and the rest of the states across the nation.

The Bottom Line

While the Illinois ruling is a significant development, it does not alter the overall landscape. An appeal to the decision has been filed, and the federal preemption issues remain strong.

WBA will continue engaging Wisconsin lawmakers to underscore both the ongoing legal uncertainty and the substantial policy and operational risks such legislation would create for Wisconsin’s financial institutions, businesses, and consumers.

Cruz is WBA vice president – government relations.

MBIS Celebrates Fourteen Years of Service Protecting Community Banks

Midwest Bankers Insurance Services (MBIS) celebrated its 14year anniversary! The milestone offers an opportunity to recognize its important role in today’s insurance marketplace. MBIS was founded in 2011 amid a period of economic uncertainty and an obvious need for association-owned insurance advocacy. The agency began as the acquisition of BancInsure’s “book of business” and has grown to serve more than 220 bank clients across Wisconsin, Minnesota, and North Dakota.

Co-owned by the Wisconsin Bankers Association and the Minnesota Bankers Association, while being endorsed by the North Dakota Bankers Association, MBIS remains focused exclusively on community banks. The success of MBIS directly supports the broader mission of state banking associations by contributing to the strength of advocacy and education across the Midwest. Over the past 14 years, MBIS has continued to expand

specialized coverage options and provide insurance guidance options that support everyday banker operations.

Today, many community banks are experiencing a significant disruption in the insurance marketplace. Carrier acquisitions, tightening underwriting standards, and changing risk profiles — especially related to cyber liability and fraud — are causing banker leaders to reassess their strategy. MBIS continues to play a role in helping banks understand what options exist, what changes might serve their bank, as well as maintain appropriate coverage when markets shift.

As the insurance landscape changes, MBIS remains a trusted partner that helps banks protect their institutions, continue serving their customers, and plan confidently. Learn more at https:// mbisllc.com/.

Capitol Day Recap Continued

set up all the meetings with our legislators, and made sure we knew exactly what to expect. All we really needed to do was show up and explain how the proposed bills would impact the customers we work with every day.”

That philosophy — to share real-world, everyday anecdotes about neighbors, friends, and customers — propelled the day’s narrative. Public policy often feels nebulous until tied to a lived experience: your neighbor’s savings lost to fraud, your son unable to purchase his first home, your favorite hometown restaurant unable to expand. Policymakers ultimately remember these personal discussions.

The Capitol Insiders Panel

The day opened with a bipartisan discussion featuring former Assembly Speaker Scott Jensen and former Senate Majority Leader Chuck Chvala, moderated by WisPolitics President Jeff Mayers

Each speaker brought perspectives from both sides of the aisle but shared a common thread: policy outcomes improve when stakeholders participate.

Alex Swanson, WBA BOLT board member noted, “In somewhat surprising fashion, both speakers agreed on more issues than expected — though they still expressed their own take and perspectives on the other side’s viewpoints.”

The panel exemplified a core truth behind Capitol Day: expertise speaks louder than partisanship. Legislators cannot create effective financial policy without understanding how banking works in practice.

Bankers Take on the Capitol

Bankers crossed the street from Monona Terrace, leaving behind the frozen expanse of Lake Monona for the soaring dome of the State Capitol, where small district-based groups met with their respective legislators throughout the afternoon.

These meetings pushed key WBA priorities for the legislative session.

Protecting Customers from Fraud

Fraud prevention dominated conversations. Bankers emphasized how they often serve as the last line of defense against scam attempts, especially for older adults.

WBA is supporting legislation that would allow financial institutions to pause suspicious transactions involving vulnerable adults — a delay that could help prevent irreversible and devastating financial loss while authorities investigate.

Wisconsin bankers also advocated for the regulation of virtual currency kiosks — machines often located at gas stations, grocery stores, laundromats, and bus stations — which serve as popular vehicles of fraud. Bankers explained that crypto kiosks are favored by bad actors because they can uniquely facilitate instant, untraceable, and irreversible transfers of money. WBA is advocating for licensing, warnings, and transaction limits, as some studies show that up to 90% of transactions at some kiosks involve fraud.

Bankers brought real stories to illustrate the urgency of fraud — like customers calling their bank a day after wiring away their life savings, or families discovering fraud weeks after it occurred.

Continued on pg. 19

Jeff Otteson Vice President of Sales

Melissa Noonan Account Manager

As financial institutions increasingly integrate Artificial Intelligence into everyday operations, they must navigate complex legal, regulatory, and risk-management challenges to deploy it safely and effectively. Our cross-disciplinary team of AI-focused attorneys helps clients adopt AI tools with clarity, control, and confidence—maximizing value while reducing exposure.

We support financial institutions by:

• Building AI governance frameworks that extend cybersecurity and compliance controls, define permissible AI use, and prevent rogue or unapproved tools from entering workflows

• Strengthening vendor oversight by negotiating AI-specific contract terms

• Evaluating risks tied to AI decisions and deployment considering evolving standards and best practice

Our AI Practice blends legal insight, industry experience, and practical strategies to help financial institutions use AI responsibly and avoid its many pitfalls.

Continued from pg. 1

Sean Payant, President of Haberfeld, provided attendees perspective and information to consider about the future of banking. Payant provided recommendations for navigating economic, regulatory, and technological change and uncertainty; provided strategies for aligning organizational structure and cultural initiatives with strategic priorities; and offered ideas of a holistic approach to building resilient, futureready institutions.

Bankers also heard insights from a digital assets panel and two fireside chats. The digital assets panel included Brooke Ybarra, ABA SVP innovation and strategy, IncredibleBank’s Phillip Suckow, SVP strategy and innovation, and Steve Wager, Head of Digital Asset Product and Operations at Fiserv. One fireside chat featured ABA Chair Kenneth Kelly and EVP, Congressional Relations and Legislative Affairs Kirsten Sutton, while the other included WBA’s President and CEO Rose Oswald Poels alongside WBA Board Chair Northway.

In addition to the active exhibit hall hosting 75 exhibitors and various networking opportunities, the conference offered eight different breakout sessions on a full range of topics including economics, payment processing, asset liability management, artificial intelligence, branding, and mentoring. The conference also honored several distinguished bankers with prestigious awards. Corey Chambas of First Business Bank in Madison was recognized as WBA’s 2025 Banker of the Year and Wolf River Community Bank, Hortonville received the Wisconsin Bankers Foundation’s prestigious Financial Education Innovation Award. Additionally, eight bankers were inducted into the 50-Year Club and two into the 60-Year Club; 58 banks achieved WBA’s Gold Triangle and/or Bankers Involved with Grassroots and Government (BIGG) award, 25 bankers received Leadership Circle designation, and 99 bankers were listed as achieving WBA’s Silver Triangle.

The 2026 annual conference closed with Dr. Damon Freidman, author of Igniting Movements, who shared his story with the message to empower leaders to be world changers focusing on leadership, ideological factors, organizational construct, and strategic output.

Many banks again sent full executive teams, enabling attendees to divide and conquer breakout sessions and return with broader insights into trends, challenges, and opportunities shaping the evolving banking industry. The conference was another successful event allowing bankers and exhibitors the opportunity to connect, share insights, and find opportunities to work together to remain a relevant solution for the financial services needs of their communities.

Banker peer discussion groups allows bankers to connect directly with other bankers.

Wisconsin Department of Financial Institutions Secretary–Designee Wendy

the

Corey Chambas Named 2025 Banker of the Year

Chambas is equally recognized for cultivating a people-first culture. His collaborative leadership style has resulted in First Business Bank being named a National Top Workplaces USA Award winner from 2022 through 2025. In 2025, the organization also achieved a Net Promoter Score of 78, placing it among the top performers in the financial services industry.

A respected industry voice, Chambas has shared insights on strategy, growth, and culture at leading forums including Second Curve Capital’s Financial Services CEO Retreat and Bank Director’s Acquire or Be Acquired Conference. Chambas was also recently recognized as BankBeat magazine’s Banker of the Year for 2026 and by BizTimes as one of Wisconsin’s 275 Most Influential Business Leaders statewide.

The Wisconsin Bankers Association (WBA) is pleased to announce that Corey Chambas, CEO of First Business Financial Services Inc., parent company of First Business Bank, Madison has been named the 2025 Banker of the Year. The award was presented the evening of February 5, 2026, in Wisconsin Dells at the largest banking industry event in the state, the WBA Bank Executives Conference.

“We are proud to recognize Corey as the 2025 Banker of the Year,” said Rose Oswald Poels, WBA president and CEO. “A forty-year industry veteran, he is an exceptional professional whose kindness, integrity, and commitment to his colleagues and community make him truly deserving of this honor.”

With 32 years at First Business Bank, Chambas has led the organization through principled growth. Today, the organization is a $4 billion institution with five specialized lending divisions, private wealth services with $3.8 billion assets under management, and bank consulting services that help other financial institutions. Under his leadership, the organization has delivered extraordinary shareholder returns, strong profitability metrics, and consistent market leadership. This performance has earned First Business Financial Services industry recognition, including being named a five-time honoree of Piper Sandler’s Sm-All Stars, a distinction awarded to high-performing, publicly traded community banks.

Chambas’ leadership extends into education, executive development, and civic engagement. He has presented to students at the Wisconsin School of Business as part of UW-Madison’s “Distinguished Entrepreneur” program, spoken to the FEI Madison Chapter on leadership and team dynamics, and facilitates Wisconsin Manufacturers & Commerce’s Executive Forum Milwaukee cohort, mentoring Wisconsin business leaders on strategy and executive leadership.

His community leadership includes board service with United Way of Dane County, Madison Breakfast Rotary, and the Foundation for Dane County Transition Schools. Recognizing Dane County’s critical affordable housing shortage, Chambas championed First Business Bank’s $2 million investment in the Dane Workforce Housing Fund, helping support the creation of more than 747 affordable housing units. Beyond formal roles, Chambas has also participated in numerous initiatives that strengthen local schools and families. This hands-on approach to community building has created lasting impact while inspiring others to follow his example of generous service.

The Wisconsin Bankers Association’s Banker of the Year award is presented to one Wisconsin banker each year in recognition of outstanding service to their bank, to the continued vitality of their community, and to the banking profession. The Banker of the Year award began in 1986, and Chambas is the 40th banker honored with this distinction.

Bankers Recognized for Over 50- and 60-Years of Distinguished Service

The Wisconsin Bankers Association honors eight individuals on joining its 50-Year Club and two individuals on joining its 60-Year Club in 2025. These bankers have made exceptional contributions to their institutions, as well as to the customers and communities they serve.

Ever y year, the 50- and 60-Year Club inductees are recognized for their extraordinary service to Wisconsin’s financial industry at the Wisconsin Bankers Association Bank Executives Conference, the largest banking event in Wisconsin. This year’s event took place on February 5, 2026, in Wisconsin Dells; awardees who were unable to attend in person were presented with a plaque at a special celebration at their respective bank.

Congratulations to the following individuals on their induction into the WBA 50-Year Club:

• MaryAnn Ewing – The Peoples Community Bank, Mazomanie

• Janis Frank – Bank of Milton

• Julie Gebauer – Associated Bank, Green Bay

• John Matter – The Equitable Bank, S.S.B., Wauwatosa

• Barb Stricker – Bank of Milton

• Rae Valasek – First Federal Bank of Wisconsin, Milwaukee

• Jeanne Wolff – Community First Bank, Boscobel

• Don Zimmerman – The Bank of New Glarus

Congratulations to the following individuals on their induction in to the WBA 60-Year Club:

• James Caldwell – First Citizens State Bank, Whitewater

• Charles Pittelkow – The Equitable Bank, S.S.B., Wauwatosa

Wolf River Community Bank Named 2025 WBF Financial Education Innovation Award Winner

The Wisconsin Bankers Foundation (WBF) has named Wolf River Community Bank the recipient of the 2025 WBF Financial Education Innovation Award, recognizing the bank’s humorous and highly effective fraud education video series, Spencer’s 2¢. The award was presented February 5, 2026 during the Wisconsin Bankers Association (WBA) Bank Executives Conference in Wisconsin Dells.

“Innovation in financial education is all about how well people remember and act on information,” said Rose Oswald Poels, WBF chair, treasurer, and executive director. “Wolf River Community Bank found a creative way to break through the noise by using humor and storytelling to help people recognize scams.”

At the center of the program is Spencer’s 2¢, a short-form video series led by a Wolf River Community Bank electronic banking specialist who delivers fraud prevention tips through deadpan humor, cartoon visuals, and quippy storytelling. Each episode focuses on a single scam — including phishing, spoofing, and catfishing — using playful props and imagery to simplify fraud tactics without minimizing the devastation they can cause. Spencer’s straight-faced delivery, practical tips, and signature line — “And that’s my two cents!” — resonate with fellow 20-somethings and senior customers alike.

The WBF Financial Education Innovation Award is a prestigious category of the WBF Excellence in Financial Education Awards. Submissions for the 2025 WBF Excellence in Financial Education Awards encompassed over 1,340 financial education presentations — including Teach Children to Save Day presentations, homeownership workshops, and elder financial abuse prevention seminars, among other initiatives — given by more than 450 Wisconsin bank employees, reaching approximately 40,000 Wisconsin community members.

Another Successful WBF Annual Silent Auction

The Wisconsin Bankers Foundation (WBF), the non-profit arm of the Wisconsin Bankers Association (WBA), held another successful annual silent auction at the WBA Bank Executives Conference in early February. The auction raised nearly $13,000 for WBF thanks to the generous support of many organizations and individuals. The fundraiser supports WBF’s mission to promote financial literacy and capability in communities across Wisconsin through education, scholarships and grants, and research.

Thank you to the silent auction donors:

• American National Bank - Fox Cities

• Ami Myrland

• Bedel Security

• Bell Bank

• Brett Walburn

• Bristol Morgan Bank

• Capitol Bank

• Edge One

• Engineered Security Solutions

• Executive Benefits Network, David Fritz

• FIPCO

• First Citizens State Bank

• Fiserv

• Godfrey & Kahn Law Firm

• Ironwood

• Joe Peikert

• Kalahari Resorts & Convention Center

• Mallards/Night Mares Baseball

• Midwestern Securities

• Milford Hills

Congratulations and thank you to the winning bidders:

• Alex Wilkinson

• Alvaro Araque

• Ami Myrland

• Andrew Cherney

• Anne Schutt

• Brad Gauger

• Bryan Gerlach

• Bryan Johnsen

• Candace Huebner

• Chris Ogren

• Craig O’Leary

• Darcy Rallo

• Eric Glewen

• Gary Kuter

• Heather MacKinnon

• Heather Zick

• Ivan Gamboa

• Jackie Sliter

• Jeff Joyce

• Jeff Johs

• Jeff Whitrock

• Jessi Peters

• Jody Roos

• Joe Peikert

• Madonna Schneider

• Matt Hildebrandt

• Michael Olson

• Molly Scully

• Nicholas Loppnow

• Peter Wilder

• Phillip Suckow

• Quinn Christensen

• Robert Foxx

• Mound City Bank

• National Exchange Bank & Trust

• North Shore Bank

• Rose Oswald Poels

• Spectrum Investment Advisors

• The Pineries Bank

• The Port Washington State Bank

• The Wilderness Resort, Wisconsin Dells

• Trappers Turn Golf Club

• Roxi Maier

• Sam Reindl

• Sarah Johns

• Shay Horton

• Sherry Coley

• Tom Mews

• Timothy Kotnour

• Tamera Jepson

• William Sennholz

The Wisconsin Bankers Association (WBA) wishes to thank this year’s sponsors and exhibitors of the WBA Bank Executives Conference for helping make the conference a top-notch experience with valuable resources for all those in attendance. The conference would not be a success without your support!

2026 WBA Bank Executives Conference – Sponsors

Platinum Sponsor:

• FHLBank Chicago

Gold Sponsors:

• Bankers' Bank

• Bell Bank

• BMO Correspondent Banking

• BOK Financial Capital Markets

• FIPCO

• Godfrey & Kahn

• ICBA Services Network

• Midwest Bankers Insurance Services (MBIS)

• WBA Employee Benefits Corp. Silver Sponsors

• Cinnaire

• Integris

• Midwestern Securities

• Performance Trust

• UFS LLC

Bronze Sponsors:

• ADVANTAGE, powered by JMFA

• BHG Financial

• Boardman & Clark LLP

• Delta Dental

• Eide Bailly LLP

• Executive Benefits Network

• Forvis Mazars

• Hovde Group, LLC

• Jefferson Wells

• Locknet, an EO Johnson Company

• Northland Securities

• Plante Moran

• Quad City Bank & Trust

• Reinhart Boerner Van Deuren s.c.

• SHAZAM

• The Baker Group

• Vantage Point

• Vibrancy Unlocked

• Wipfli LLP

Sponsors:

• American Bankers Association

• AmTrust Financial Services, Inc.

• Bank Compensation Consulting

• CRS Data

• Diebold Nixdorf

• FHN Financial

• First Business Bank

• Fiserv

• Fredrikson & Byron, P.A.

• Graduate School of Banking at UWMadison

• ICEBERG FS

• IntraFi

• KeyState Companies

• La Macchia Group

• Lerdahl

• NBID, LLC

• Ncontracts

• Olsen Palmer

• PULSE | Discover Network

• Remedy Consulting

• Stifel

• Visa

2026 WBA Bank Executives Conference – Exhibitors

• Abrigo

• ADVANTAGE, powered by JMFA

• Arch Mortgage Insurance

• Aunalytics

• Bank-A-Count Corporation

• Bankers' Bank

• Bedel Security

• BHG Financial

• BMO - Correspondent Banking

• BOK Financial Capital Markets

• BrandPoint Design

• Case Financial

• Community Mortgage - powered by BANK

• Computer Services, Inc

• Convergint

• Data Financial

• DCI

• Diebold Nixdorf

• Edge One

• Eide Bailly

• Engage fi

• Engineered Security Solutions, Inc.

• FHLBank Chicago

• FIPCO

• First Business Bank

• Fiserv, Inc.

• forbinfi

• Forvis Mazars

• Generations Title

• Graduate School of Banking at UWMadison

• Haberfeld

• Hansen Auction Group, LLC

• Hilltop Securities, Inc.

• HTG Architects

• HUB Financial Services

• ICBA Services Network

• ICEBERG FS

• Impact Retirement Advisors

• Integris

• Inveritax

• Ironcore Inc.

• Ironwood

• Jefferson Wells

• Keller, Inc.

• La Crosse Sign Group

• Lasco Development Corporation

• Leap Strategic Marketing

• LemonadeLXP

• Lenderful Solutions

• Lerdahl

• Locknet Managed IT

• Merchants' Choice Card Services LLC

• Midwest Bankers Insurance Services (MBIS)

• NBID, LLC

• Northland Securities

• NuSource

• Oculus Software

• ODP Business Solutions

• PULSE / Discover Network

• Quad City Bank & Trust

• Redmond Company

• SBS

• SHAZAM

• Spectrum Investment Advisors

• Spry, Inc.

• StrataDefense

• The Baker Group

• The Redmond Company

• Turnkey Associates LC

• UFS

• Vibrancy Unlocked

• Vitex

• WBA EBC

• WBD Inc.

• Wysh

• Young & Associates, Inc.

Bulletin Board I News from Wisconsin Bankers Association Members

Promotions and New Hires

Cottage Grove

One Community Bank announced Melissa Lewis joined the Cottage Grove location as the AVP Bank Manager; the bank also welcomed Jami Noyes as Chief Risk Officer; and announced the promotion of Krisi Gilray to Vice President, Compliance; and announced the promotion of Nona Havey to the role of VP – Area Banking Manager.

Eau Claire

Prevail Bank announced the promotion of Julie Ann Siegler as its new Vice President – Mortgage Sales Manager, and Tracy Kittelson to Relationship Banker at its Eau Claire branch.

Security Financial Bank announced that Danny Pohnl and Randy Ptacek have been appointed market presidents for the Eau Claire and Ladysmith markets respectively and that Shana York has joined the SFB team as a compliance officer at the corporate office.

Fitchburg

Oak Bank announced the addition of Izzy Coughlin as its new Treasury Management Specialist and Aeron Polodna as its new Mortgage Loan Specialist.

Fond Du Lac

FVSBank has promoted Jason Mayer to Senior Vice President and Chief Financial Officer and Dana Melichar to Assistant Vice President and Controller.

Fort Atkinson

PremierBank announced that Brian Goeller joined the bank’s executive management team as Senior Vice President and Chief Technology Officer.

Joanna Miranda has joined PremierBank as AVP, Branch Manager for the Janesville location.

Madison

WBD, Inc. announced that Jason Monnett has been named President, Kyle Kuntz has been promoted to Senior Vice President, and Nick Drewson was appointed as Senior Vice President.

McFarland

One Community Bank announced the promotion of Caleb Martin to the role of VP – Annual Review; welcomed Robyn Ropson as Area Bank Manager –McFarland; and announced that Wendy Jirsa has joined the McFarland location as the AVP Bank Manager.

Montello

Linda Gage has taken on expanded

responsibilities for National Exchange Bank & Trust and will now oversee operations at the bank’s Princeton location in addition to the Montello office.

Mount Horeb

Mound City Bank announced Stephen McCardell was promoted to AVP –Business Banking.

New London

First State Bank announced the promotion of Ethan Posteluk to Financial Advisor with First State Wealth Management.

Owen

Prevail Bank announced the promotion of Susan Struensee to Relationship Banker at its Owen branch.

Platteville

Mound City Bank announced that Mike Phillips was promoted to President & CEO; Brandon Popp was also promoted to AVP – Network Administrator/ Security Officer: and Joanna Richter was promoted to AVP – Loan Operations Supervisor.

Port Washington

The Port Washington State Bank announced that Mike Ott was promoted to Vice President/Loan Operations Manager;

Aimee Larsson was promoted from Assistant Vice President/Retail Processing Manager to Vice President/ Retail Underwriting Manager; Dominic Burrescia was promoted to Vice President and BSA Officer; Zach Deming was promoted to Vice President and Commercial Lender; Dana Mason was promoted to Vice President and Port Washington Branch Manager; and Aaron Robar was promoted to Vice President and Commercial Lender.

Schofield

Intercity State Bank — a Branch of One Community Bank — announced that Travis Erler has joined the Business Banking Team as a Commercial Loan Officer.

Superior

National Bank of Commerce welcomed Jeff Lee to its commercial lending team as SVP – Senior Commercial Banker and Isaac Hildenbrand as a Commercial Banker.

Waterloo

F&M State Bank announced that Gregg Mashack, president and CEO, is now serving as president of the Wisconsin Mortgage Bankers Association.

Waukesha

Westbury Bank announced that Brad LaRue has been appointed to the Board of Directors of Westbury Bank and Westbury Bancorp, Inc.

Bulletin Board I News from Wisconsin Bankers Association Members

Celebrating a Lifetime of Service

WBA is proud to recognize the individual bankers who dedicate their service to our industry and their community. The 50- and 60Year Clubs recognize bankers who have served in the banking industry for 50 and 60 years, respectively. Additionally, WBA’s Lifetime Service Awards recognize bankers who have served in the industry for between 30 and 49 years. To recognize a banker for the esteemed honor, please visit wisbank.com/ServiceAwards.

American National Bank Fox Cities

Paul Northway, president and CEO of American National Bank Fox Cities and the 2025–2026 WBA Chair, was honored for his three decades in the banking industry.

Lake Ridge Bank

Lake Ridge Bank honored Betty Nonn, Kathy Esser, and Steve Eager with WBA Lifetime Service Awards to celebrate their impressive 40 years of commitment to the banking industry.

Retirements

FVSBank announced the retirement of Ellen Mielke, the Executive Vice President and Chief Financial Officer, after an incredible 35 years of dedicated service.

After a long and distinguished career in community banking, Kirk Emerich, former chief financial officer, announced his retirement from Westbury Bank & Westbury Bancorp, Inc.

Good News

Thillens announced that they have expanded their branch servicing footprint by opening their eighth location in Little Chute, Wisconsin.

Cinnaire announced the successful closing of a $134 million Low-Income Housing Tax Credit (LIHTC) fund, Cinnaire Fund for Housing 44.

In Memoriam

WBA extends its heartfelt sympathies to the family, friends, and colleagues of Doug Caldwell of Columbus, Wisconsin. Doug was a steadfast supporter of community banking, serving more than 30 years on the board of Farmers & Merchants Union Bank, including his final

Bank of Milton Bank of Milton honored Barb Stricker, its longest-tenured loan administrative assistant, for an extraordinary 51-year career in banking.

Royal Bank

Royal Bank recognized Ann Peters Boothe with a WBA Lifetime Service Award to celebrate her impressive 20 years in banking.

two years as board chair. Doug will be remembered for his generosity, kindness, remarkable work ethic, and the time he gave to supporting local families and businesses.

Community Involvement

F&M State Bank visited the local fire departments, shared dinner, and presented donations to each department so they can continue doing what they do best — protecting and serving the community.

Every first and third Friday of the month, the Lake Mills branch of F&M State Bank opens the doors to their Community Room for the local Veterans group to host Coffee with Vets. The bank provides the space and the hot coffee — and the Veterans bring the stories, camaraderie, and meaningful connections.

National Bank of Commerce supported Vacationland Peer Support with a $2,500 contribution to advance its mission of serving Emergency Medical Services, First Responders, and Firefighters in Douglas County, Wisconsin.

North Shore Bank announced an innovative partnership with the YWCA of Southeast Wisconsin (SEW) that will increase access to banking and financial education for individuals and families in Southeastern Wisconsin.

Conservation First Bank (Benton)

Kay Orth of Conservation First Bank in Benton was recognized for an impressive 41 years of service to the Wisconsin banking industry.

The Equitable Bank

The Equitable Bank in Wauwatosa presented WBA Lifetime Service Awards to Charles (Chuck) Pittelkow for 68 years of service to the banking industry and to John Matter for his impressive 50 years of commitment.

Wolf River Community Bank celebrated the second year of its Wolfpack Give Back program, an employee directed giving initiative that continues to deepen the bank’s commitment to workplace culture, empowerment, and community connection.

Accolades

Erika Milosevich, CFP, Vice President and Program Manager of North Shore Investment Services, has been named a 2025 Kehrer Group Top Director, earning third place in the Women-Led Firm category.

Milwaukee Business Journal’s annual C-Suite Stars honors strong leaders in Wisconsin who lead with clarity, courage, and conviction. The award recognizes executives across industries, and among those honored are four

Bank

Ken Jenks of GreenLeaf Bank was honored for 31 years of dedicated service to the Wisconsin banking industry.

The

State Bank of

of

presented WBA

Awards to Suzanne

for 40 years of dedication to the banking industry and to Glen Calnin for 31 years of dedication.

leaders deeply committed to Wisconsin banking: Dave Anderson, group head, BMO; Tara Lagerman, vice president and director of marketing, WaterStone Bank; Jeff Langkamp, senior vice president and chief compliance officer, Bank Five Nine; and Theresa Meiners, principal and chief risk officer and general counsel, Baker Tilly.

F&M State Bank was recognized as the Legendary Lake Mills Main Street Program’s Business of the Year.

North Shore Bank announced it has been recognized as one of America’s Best Regional Banks 2026 by Newsweek for the third consecutive year.

First Business Financial Services, Inc., the parent company of First Business Bank, announced its selection by Piper Sandler for the prestigious Sm-All Stars Class of 2025.

The BHG Loan Hub

Gain unlimited access to top-quality professional loans on our unique online portal. Since 2001, over 1,725 banks have used the BHG Loan Hub to earn $2.2+ billion in combined interest income.

Capitol Day Recap Continued

Swanson emphasized the importance of those conversations. “Much of what WBA and bankers across the state are focused on relates to fraud prevention and protecting our customers. We have firsthand experience and many stories of fraud impacting our communities.”

The Impact of Wisconsin Bankers

WBA distributed an Impact Brochure that showcased the industry’s accomplishments. Over the past year, banks around the state have lent $10.7 billion in small business loans supporting local entrepreneurs, $756 million to small farms, and $12.8 billion in new home loans. What’s more: Wisconsin banks employ 32,323 employees statewide who have collectively volunteered 517,000 hours and donated $43.5 million to local and philanthropic initiatives.

Public trust in community banks remains strong: Nine in ten consumers say their bank proactively protects them from fraud. It’s safe to say that customers regard their local bank as critical infrastructure in their communities.

Peterson described how quickly advocacy points turned conversational and candid: “The representatives and their staff were warm, welcoming, and genuinely interested in hearing our perspectives. It was a fantastic experience, and I hope to be able to attend next year.”

The Power of the Collective Voice

The most effective advocacy occurs when legislators remember the faces in their district — the bankers who explained how a law will have real-world effects on the working people in their neighborhoods. Attendees discussed hot button topics — why a pause to prevent fraud is necessary, why regulatory complexity raises costs, why credit availability depends on policy, how community banks support their communities — and paired those issues with real-world anecdotes about their colleagues and neighbors.

These valuable stories are at the crux of why WBA invites all banking professionals — regardless of title or advocacy experience — to attend Capitol Day. Retail staff, lenders, compliance officers, and C-suite executives all bring different viewpoints that collectively speak to the power of community banking.

As Swanson concluded, “It was a great day. I would highly recommend making time for this event if you haven’t had the chance to attend before.”

Fenton is WBA Communications Coordinator

broker-dealers operating inside local banks also offer traditional banking products to capture more wallet share and potentially pull from

Gerber Executive Vice President

Sarauer

President

20 Years of Celebrating Women in Banking

Join us this year to celebrate 20 years of WBA’s Women in Banking Conference on April 27, 2026 at the Glacier Canyon Lodge & Conference Center in Wisconsin Dells. The conference will kick off at 9:00 a.m. and will conclude at 3:30 p.m. after a drawing for conference prizes and the Wisconsin Bankers Foundation raffle drawing.

Conference topics include, “Your Resilience ROI: Why You’re Worth the Investment,” with Leadership and Wellbeing Energizer April Lewis; and “Advocating for the Industry,” with Mary Usategui, president, CEO, and founder of BankMiami, and Kirsten Sutton, EVP congressional relations and legislative affairs at the American Bankers Association.

This once-a-year conference energizes all in attendance and is a must-attend for your top-performing women! The conference offers not only several hours of expert presentations but also peer-to-peer roundtable discussions and networking with over 300 fellow women bankers. Veteran and new women bankers alike benefit from this energizing and impactful conference.

Don’t miss out on the opportunity to celebrate 20 years of women in banking by connecting with other women bankers from across Wisconsin! WBA is offering special team pricing when you register multiple attendees. Contact WBA’s Lori Kalscheuer at lkalscheuer@wisbank.com for further discounts if your bank would like to send a group of 10 or more!

Mark Your Calendars: WBA Agricultural Bankers Conference – April 16–17

Agricultural bankers from across Wisconsin congregate for two days each year at WBA’s annual Agricultural Bankers Conference to learn the latest information impacting ag-business. This year’s WBA Agricultural Bankers Conference will be held April 16–17, 2026 at the Kalahari Conference Center in Wisconsin Dells.

Attendees of this year’s conference will learn about “High Impact Weather” from Nutrien Ag Solutions’ Eric Snodgrass, “Controlling the Crop Controllables” with retired professor Dr. Steve Johnson, and other industry updates — including from FSA and dairy and beef experts.

This year’s conference also includes the return of American Bankers Association’s (ABA) Ed Elfmann for an ABA update and a panel discussion focused on successful transition and succession planning.

A highlight of the conference includes opportunities to meet and talk with exhibitors, each of whom offer helpful resources and solutions for Wisconsin’s agricultural bankers. Be sure to register your team today to get the chance to learn and network with fellow agricultural bankers from across Wisconsin!

Thank you, Package Holders

Thank you to the WBA Platinum, Gold, Silver, and Bronze Associate Member companies for their continued support of the banking industry and the Association. These companies provide services, information, and products that help Wisconsin banks serve their customers and communities. Thank you. Please visit wisbank.com/associates for more information about these companies.

Banks Make a Difference During Power of Community Week!

Bankers serve and strengthen their communities year-round. But during the Wisconsin Bankers Association (WBA) Power of Community Week, the annual campaign unites banks, Associate Member companies, and WBA staff in a shared mission of giving back for one special week. Now in its ninth year, this initiative has sparked countless acts of service across Wisconsin, showcasing the relevance of community banking to Wisconsin communities.

This year, Power of Community Week takes place April 20–25 (Earth Day is Wednesday, April 22, and National Teach Children to Save Day is Thursday, April 23). April is also National Community Banking Month, and banks are encouraged to take part in one or more service activities throughout the entire month. Whether it’s organizing a food drive, leading a financial literacy session for your community, or rolling up your sleeves for a community cleanup, every action counts. Choose a cause that matters to you and show your community the power of banking in action!

To track the impact in the state, WBA has created an interactive participation map highlighting the many ways bankers are making a difference. Add your bank’s volunteer activities or browse for inspiration at wisbank.com/BanksPowerWI. Plus, WBA offers a media kit with everything you need to spread the word, including a press release template and sample social media posts to ensure your efforts get noticed.

Please share your photos and stories on social media using #BanksPowerWI! Throughout Power of Community Week, WBA will showcase the many ways Wisconsin’s banking industry is stepping up to serve.

Let’s make 2026 a record-breaking year — get involved, give back, and show how Wisconsin banks power our communities!

Share Your Expertise

Become a committee member

Experience firsthand how your insights, ideas, and connections can leave a lasting impact and help banks remain relevant in Wisconsin’s everevolving banking landscape. By volunteering to serve as a committee, section, or advisory board member, your collaboration with fellow bankers help tailor WBA’s programs, advocacy efforts, and resources.

Volunteer at wisbank.com/ community/get-involved by March 9

.

• Agricultural Bankers Section Board

• Building Our Leaders of Tomorrow (BOLT)

Section Board

• Financial Crimes Committee

• FIPCO® Software Users’ Committee

• Government Relations Committee

• Human Resources Committee

• Marketing Committee

• Mortgage Lending Committee

• Retail Banking Committee

• Technology and Operations Committee

• Trust Banking Section Board

• Wisconsin Bankers Foundation Financial Literacy Advisory Board

New 2026 Reading Raises Interest Kits Available to WBA-Member Banks

Are you planning financial literacy presentations for Teach Children to Save Day on April 23, 2026, or other elementary school visits? Wisconsin Bankers Foundation will provide one free Reading Raises Interest Kit per WBAmember bank, which features:

• 10 copies of the book The Berenstain Bears’ Trouble with Money by Stan and Jan Berenstain,

• sample lesson plans, and additional resources for your classroom visits.

• Visit wisbankfoundation.org/reading-raises-interest-kits to learn more and to place your order.

• Questions? Contact Elizabeth Fenton, WBA communications coordinator, at efenton@wisbank.com

By Rob Foxx

Have you recently moved — or are you considering a move — to Microsoft Office 365 or another major Softwareas-a-Service (SaaS) application? If so, there may be more to consider than the migration itself.

A major SaaS transition introduces a host of new challenges. In the past, Microsoft and other providers offered bulk licensing, and updates were infrequent. For Office, these were typically pushed through Windows Server Update Services (WSUS). While bulk licenses are still available, Microsoft is now strongly promoting subscription-based services through Office 365.

This shift offers significant advantages: centralized management, the ability to enable or disable user accounts without direct access to

Office 360 Audit

individual machines, and — most critically from a security standpoint — tight integration with multifactor authentication (MFA). However, these benefits come with increased complexity. Office 365 now includes hundreds, if not thousands, of configurable security settings across more than 20 applications, including Copilot, as well as individual user profiles.

It is also important to understand the shared responsibility model. While Microsoft secures the underlying infrastructure, customers remain responsible for configuring and maintaining security controls within their Office 365 tenant. This distinction is often misunderstood and can lead to gaps in security oversight.

Some organizations choose to hire a third party to implement or audit their Office 365 environment, which is generally a sound approach from a security perspective. However, there are two notable drawbacks. First, these engagements can be costly, depending on the size and complexity of the environment. Second, like most audits, they represent a single point-in-time assessment.

IT AUDIT & SECURITY SERVICES

• IT Auditing

• Cyber Security Consulting

• Vulnerability & Penetration Testing

• Board Cyber Security Awareness

• GLBA Compliance & IT Risk Assessment

• Managed Social Engineering with Integrated Learning Management System

• Facilitated DRP/BCP Tabletop and IRP Testing

• Threat Intelligence Briefings Contact FIPCO’s Rob Foxx to get started. rfoxx@fipco.com 800-722-3498 x 249 www.FIPCO.com

secure after each update. From a regulatory standpoint, misconfigured SaaS platforms can create control gaps that are increasingly scrutinized during IT and cybersecurity examinations, particularly around access management, logging, and change control.

Common misconfigurations include overly permissive file-sharing settings, disabled audit logging, MFA exclusions for privileged accounts, or unused administrative roles that remain active long after they are needed.

Software-as-a-Service Security Posture Management (SSPM) solutions have been available for several years and have proven effective in quickly and cost-efficiently assessing Office 365, as well as other widely used but complex SaaS platforms. These tools are typically affordable, updated frequently to reflect platform changes, easy to use, and often provide automated remediation options through a cloud-based interface.

SSPM solutions should be viewed as a complement to — not a replacement for — governance processes, and periodic risk assessments.

If you are considering implementing an SSPM solution, a good first step is to consult your information security audit firm or managed service provider, while also evaluating multiple vendors as part of a sound vendor management process.

This limitation is significant because Microsoft releases updates monthly. Without an internal subject matter expert dedicated to Office 365, it can be difficult to determine whether previously secure settings remain

Foxx is director – infosec and IT audit services for FIPCO. He can be reached at rfoxx@fipco.com or 608-441-1249.

For more information about FIPCO forms, software, or other products, visit fipco.com, call 800-723-3498, or email fipcosales@fipco.com.

FIPCO is a WBA subsidiary and WBA Gold Associate Member.

Committed to the Industry. Committed to your Bank.

• Mergers & Acquisitions

• Strategic Planning

• Ownership Succession

• Securities Offerings

• Vendor Contracts

• Compensation Plans

• Commercial Lending

• Consumer Finance

• Workouts & Bankruptcy

• Privacy & Information Security

• Fintech

As a WBA Gold Associate Member, we prioritize our commitment to the Wisconsin banking industry. More depth, more expertise, better results.

“We trusted Godfrey & Kahn with the sale of our family’s most valuable asset...our bank. And we would do it again.”

— $50 Million Community Bank

“Godfrey & Kahn’s responsiveness, follow-up, teamwork and expertise exceed expectations.”

— $1 Billion+ Community Bank

By Sarah Meyer

Five Generations, One Workplace: Learning to Bridge the Gap

For the first time in history, the workplace is home to five distinct generations working side by side. This is not only unprecedented, but also a fascinating opportunity to learn from one another. But it also brings challenges, as differences in communication styles, values, and work habits can sometimes cause misunderstandings.

At Pillar Bank, we know that our strength lies in our people, and that means investing in ways to work better together. That’s why our recent All-Employee Training Day included something a little different — an educational session with Dr. Katherine Jeffery, a generational strategist and business consultant. Her firm specializes in helping organizations like ours navigate the complexities of having multiple generations under one roof, with the ultimate goal of increasing retention and decreasing tension.

Dr. Jeffery’s Gen Shift program was engaging, insightful, and eye-opening. She walked us through the five generations currently in the workplace:

Traditionalists (1925–1945) – Known for their loyalty, discipline, and respect for authority, this generation values stability and long-term commitment. Many have retired, but those still in the workforce bring invaluable institutional knowledge.

Baby Boomers (1946–1964) – Often recognized for their work ethic and competitive spirit, Boomers prefer face-to-face communication and tend to value organizational hierarchy and personal interaction.

Generation X (1965–1980) – Independent and resourceful, Gen X grew up during significant societal changes. They appreciate efficiency, flexibility, and work-life balance, and they are comfortable blending both traditional and digital communication styles.

Millennials (1981–1995) – Tech-savvy, collaborative, and feedback-driven, Millennials value purpose in their work and thrive in team environments where growth and development are encouraged.

Generation Z (1996–2012) – The newest entrants to the workforce are true digital natives. They are entrepreneurial, socially conscious, and value authenticity, diversity, and flexible work options.

Dr. Jeffery encouraged us to see these differences not as obstacles but as strengths. Each generation brings its own perspective shaped by the events, technology, and culture of its formative years. For example, while a Boomer may prefer a phone call to discuss a project, a Gen Z team member might be more comfortable with a quick text or instant message. Neither approach is “better,” but recognizing and respecting these preferences can strengthen workplace relationships.

Our training day also included interactive exercises where we shared our own work experiences and discussed how our generational backgrounds influence the way we communicate. Many of us had “a-ha” moments when we realized that a misunderstanding with a colleague might simply be a difference in communication style — not a conflict in values.

For me, the biggest takeaway was the reminder that a thriving workplace requires flexibility and empathy. It’s about meeting people where they are — whether that’s adjusting how we share information, how we give feedback, or even how we celebrate achievements.

At Pillar Bank, we’re proud of our diverse team. Having five generations under one roof means we have decades of experience alongside fresh, innovative ideas. With the insights from Dr. Jeffery’s program, we can better harness the strengths of every generation, ensuring that all employees feel valued, understood, and empowered to do their best work.

This training was more than just a session — it was a step toward building a stronger, more connected team. And that benefits not only us, but every customer who walks through our doors.

Sarah Meyer, marketing coordinator, Pillar Bank, is a member of the WBA Marketing Committee.

Wisconsin Bankers Foundation Spring Scholarships

Apply by March 15, 2026 to be considered for one of four $2,000 scholarships.

Criteria:

• Wisconsin high school senior, an employee of a WBA-member bank, or the dependent of a WBA-member bank employee.

• Currently enrolled or enrolling in fall semester at an accredited Wisconsin public or private, non-profit college, university, or technical college.

• Demonstrate academic, community, and pre-professional (job or internship) achievement and be able to articulate the importance of financial literacy. wisbankfoundation.org/scholarships

The Power of Our Collective Voice: Join WBA in Washington D.C.

Bankers interested in advocating for the industry beyond Wisconsin are encouraged to join the WBA Government Relations team for two upcoming WBA Washington, D.C., trips to meet with our congressional delegation. One trip is in conjunction with the American Bankers Association (ABA) Washington Summit, and the other with the Independent Community Bankers of America (ICBA) Capital Summit. There is no registration fee; participants are only responsible for their own travel and lodging.

Wisconsin’s banking industry has kicked off 2026 with great advocacy momentum as efforts around stablecoin have intensified over recent weeks. These Washington D.C. trips present opportunities to meet directly with policymakers and reinforce how Wisconsin’s community banks directly contribute to local economic growth and financial access.

Regardless of your bank’s membership in either national trade group, all WBA members are encouraged to attend either (or both) the WBA/ABA Washington Summit, March 9–11, 2026, in Washington, D.C. and the WBA/ICBA Capital Summit which will take place May 4–7, 2026. Participation in a Washington, D.C. visit with WBA helps get your bank one step closer to earning WBA’s BIGG (Bankers Involved with Grassroots and Government) Award.

To learn more about the Washington, D.C., trips, please contact WBA’s Rose Oswald Poels at ropoels@wisbank.com, Daryll Lund at dlund@wisbank.com, or Lorenzo Cruz at lcruz@wisbank.com with questions.

New Associate Members

Diebold Nixdorf

www.dieboldnixdorf.com

Heather Minock heather.minock@dieboldnixdorf.com

Diebold Nixdorf, Incorporated (NYSE: DBD) is a world leader in enabling connected commerce for millions of consumers each day across the financial and retail industries. As an innovation partner for nearly all of the world’s top 100 financial institutions and a majority of the top 25 global retailers, Diebold Nixdorf delivers unparalleled solutions and services that are essential to evolve in an “always on” and changing consumer landscape.

Engineered Security Solutions, Inc.

www.engineeredsecurity.net

Troy Salchow tsalchow@engineeredsecurity.net

ESS has been a leader in providing integrated electronic security solutions for commercial, industrial, municipal, law enforcement, education, financial customers and more throughout the state of Wisconsin for more than 22 years.

The company was founded on the principal of offering the latest security technology that is best for each customer. We believe in building longterm relationships with our customers by addressing individual security needs, right fitted. We focus on providing outstanding customer service.

HealthX Ventures

www.healthxventures.com

Darcey Nett darcey@healthxventures.com

We are a digital health focused investment firm that primarily invests in early stage (seed/series A) companies. We currently have a fund investing exclusively in Wisconsin based startups.

NBID, LLC

www.nbid.com

Tony Karalekas tony@nbid.com

NBID (National Bank InterDeposit Company) is the first bank-owned, bank-driven reciprocal deposit network, formed to give community and regional banks direct oversight, transparency, and long-term control over a critical piece of their deposit infrastructure. NBID enables banks across the country to offer expanded FDIC insurance, retain large depositors, and reduce uninsured balances. Through NBID, banks can leverage reciprocal deposits, sweep funds, and access funding — all at materially lower costs than legacy deposit networks and with full governance oversight. NBID delivers modern, API-driven technology, streamlined operations, dedicated institution support, and a profit-share model that returns value directly to participating banks. All participating depository institutions receive a membership interest in NBID.

Staff Changes

WBA is pleased to welcome Erica Dudley as human resources coordinator. Dudley brings extensive experience as a senior executive assistant and is currently pursuing an associate degree in human resources management, with plans to continue toward a bachelor’s degree at UW–Platteville. She is focused on expanding her HR expertise and supporting organizational success. Outside of work, Dudley enjoys traveling, shopping, interior design, and spending quality time with her blended family.

By Daryll Lund

In today’s tight labor market, having access to accurate, industry-specific compensation data is essential. As Wisconsin banks respond to ongoing staffing pressures and compensation expectations, the 2026 Wisconsin Banking Salary & Benefits Survey offers a trusted resource to support smarter decision-making.

Conducted by WBA in partnership with MRA, the survey provides comprehensive insights into salary, wages, and benefits across Wisconsin’s banking industry. In 2025, 81 banks participated, contributing data for 115 different job positions. The survey covers more than just salary information. Participants gain valuable benchmarking data on incentives, general and merit increases, employee benefits, board compensation, bank turnover, and remote work practices.

By participating, banks help ensure the survey reflects real-world trends across Wisconsin while gaining access to a powerful benchmarking tool. Participating institutions receive the final report, which delivers actionable insights to help attract top talent, retain employees, and remain competitive in a tight labor market. Please note: the survey data is only available for purchase to participating banks.

Why participate?

• Clear, easy-to-use data to support compensation planning and decision-making

• Wage and salary information for exempt and non-exempt positions across a wide range of bank roles

• Summary benefit data for various employee groups

• Access to the MRA Dynamic Online Reporting Tool allows you to customize reports and get the exact data you need, when you need it

The survey will open mid-March, and WBA strongly encourages member banks to take part. The final report will be released in summer 2026, and participants will be notified by email when it becomes available.

Hiring managers and talent leaders should not miss this opportunity to strengthen your compensation strategy with reliable, Wisconsin-specific data. All survey data is aggregated and anonymized and is intended solely for benchmarking purposes, with each bank independently determining its own compensation practices. Please contact WBA’s Miranda Gustafson at mgustafson@wisbank.com with questions.

Lund is WBA executive vice president – chief of staff and president of EBC and MBIS.

There’s so much good to get!

With UnitedHealthcare (UHC) Rewards, a variety of actions — including things you may already be doing, like tracking your steps or logging your sleep — lead to rewards. The activities you go for are up to you, and the same goes for ways to spend your earnings.

UHC Rewards is included in UHC health plans at no additional cost.

International Services: A Growing Need

Cross-border payments are essential in today’s global economy. With most B2B payments moving through banks, financial institutions can strengthen their international capabilities to better support travel, commerce, and global growth.

Bankers’ Bank provides solutions that simplify cross-border complexity, increase efficiency, and enhance your value as a trusted financial partner.

Community Advocate Spotlight

Wisconsin bankers are the definition of “community advocates” in all that they do every day to improve their local economy through bank products and services, as well as through generous philanthropy of time and money. The Community Advocate Spotlight shares and celebrates the diverse backgrounds, experiences, perspectives, and innovation of some of the extraordinary bankers in the state.

Questions and Answers

The following is a brief interview between WBA President and CEO Rose Oswald Poels and President and CEO of Port Washington State Bank James Schowalter

Rose: How did you first get into the banking industry?

James: For most of my life, it felt as though I was born into banking, after all, I’m the fifth generation of my family to lead Port Washington State Bank over its 127 year history. But banking wasn’t always my plan. While I was at Marquette University, I was far more interested in pursuing an automotive career. I enjoyed the dealership experience I had between high school and college and learned a lot from it. After meeting my spouse, Jennifer, and thinking about our future family, however, I began exploring other paths.

My older sister, Tracy, was working at Norwest Bank at the time, just before it became Wells Fargo Bank NA. She encouraged me to apply for their personal banker training program in Milwaukee. I did, and I fell in love with banking. I spent several years at Wells Fargo, learning from great people, many of whom I remain close with today, including a few who now work for my family at PWSB. My love for the industry is rooted in those early days of retail banking and the customer interactions that shaped me.

2. What is your favorite aspect of your role at the bank?

As President and CEO of our family owned institution, my favorite part of the job is seeing others succeed. Every role I’ve held here, nine in total over the last 20 years, is now filled by someone even more talented than I was. PWSB is filled with people who genuinely care about each other and our community. My role is to guide, support, educate, and be present, but they’re the ones who make the magic happen. I truly enjoy knowing each person who works here, their families, and the incredible work they do.

3. What do you wish the general public understood about the banking industry?

There’s a lot I wish more people understood about banking, but if I had to choose one thing, it’s that every bank, large or small, plays an important and distinct role in our financial system. Most Americans can point to a moment when a bank stepped in at a critical time for them or their business. Banks power our communities in good times and bad times. Each institution has a unique structure, mission, and risk tolerance that serves a particular place in our financial ecosystem.

In Port Washington alone, more than 60 of our employees come to work each day, serve customers, buy lunch, fill up their cars, shop locally, and give back to this community. And that same commitment is happening across the country. While big banks sometimes get a bad rap compared to community banks, the truth is we need institutions of all sizes to keep our country moving.

4. Where do you believe the industry’s greatest challenges are in the next 3–5 years?

Challenges will always exist in this industry, but consolidation is the one that concerns me most, especially for small communities. At PWSB, we’ve thrived in both smaller towns and larger cities. We love every community we serve. But increasingly, I’m seeing customers drive 5, 10, or even 15 miles because the bank in their rural town closed. I’ve received calls from communities more than 45 miles away asking us to build a branch where none remain. While rising operating costs and the ability to attract talent are part of the issue, our rural communities still need us. We’ll continue to do our part, and I encourage other banks to rethink how they serve these vital areas of our state and country.

5. Please describe your current role at your bank and share one of your more rewarding experiences.

As the fifth president and CEO in our bank’s existence, I’ve been fortunate to have incredible role models. Working side by side with my grandfather Ron, my father Steve, and my uncle Mark has been a gift. Not every day in a family business is perfect, but we’ve always shared the same goals, even if we approached them differently. These men are true gentlemen, deeply committed to our customers, employees, and the place we call home.

A simple story from my first day at Wells Fargo, 24 years ago, captures what I love most about this work. The first person I ever helped was a man named Curt, who opened a checking account that day. He stayed with me as a bank customer for years, eventually following me to PWSB and bringing his wife Katie and their children along. It’s not a unique story in banking, but it’s a powerful example of community and loyalty. Every time Curt calls or stops in, I’m taken back to that first day at a small wood desk, wearing the suit my parents bought me, with no idea how much this career would shape my life. I remain grateful for all of it and for what’s still ahead.

Bankers Marketplace

Bank: Premier Community Bank

Role: Information Security Officer

Location: Shawano, WI

Description: Premier Community Bank is seeking an experienced Information Security Officer who will also support our Information Technology team with daily operations, projects, and bank wide technology services. This role is ideal for someone who enjoys both strategic oversight and hands on technical work. Due to the operational nature of this position, regular on site availability is a core part of the role.

In this position, you will develop, implement, and maintain the bank’s information security program to protect systems, data, and technology assets. You will also work closely with the IT team to assist with technology support, system administration, vendor coordination, and ongoing operational needs. The ideal candidate understands regulatory expectations for financial institutions and can translate them into practical, effective processes.

Responsibilities include implementing the security strategy approved by the Board of Directors, monitoring current and emerging risks, and ensuring access control, disaster recovery, business continuity, incident response, and risk management needs are addressed. The role also supports Active Directory and Entra ID management, installation and configuration of hardware, peripherals, and related components.

See full position details on the Premier Community Bank website!

Bank: Farmers & Merchants State Bank

Role: Universal Banker

Location: Waterloo, WI

Description: Universal Banker will perform the full range of Teller and Personal Banker duties. Responsible for delivering extraordinary service to both internal and external clients. Primarily responsible for building and retaining relationships with current and prospective clients, promoting all bank products and services and responding to simple and complex customer inquiries or service requests. Assist customers with their deposit needs to include opening and closing of deposit accounts and services.

• Ability to talk with others to convey information effectively

• Knowledge of methods for showing, promoting and selling of products or services

• Superior customer relationship building skills

• Comfortable with technology

• Good organizational skills

• Must be available to work in a flexible schedule Monday through Saturday

• Ability to function in a team environment

• Strong commitment to personal growth, learning and success

• Detail oriented and ability to follow established policies and procedures

• Previous experience in banking and financial markets a plus

Bank: Farmers & Merchants State Bank

Role: Asst. Vice President – Mortgage Loan Officer

Location: Remote – near the Lake Mills area

Description: Develops, manages, and services all of the financial needs of an assigned loan portfolio. Enhances relationships by cross-selling the bank’s products and services. Develops new relationships from referrals and outside calling efforts. Provide lending services relating to the extension of primarily consumer credit to Bank’s customers in accordance with established Bank policies. Effective customer-service-oriented performance, professionalism and trustworthiness required to maintain company image. Actively supports management and organizational goals by focusing on Farmers & Merchants State Bank’s core values and purpose.

Bank: Farmers & Merchants State Bank

Role: Asst. Branch Manager

Location: Lake Mills

Description: Assistant Branch Manager is responsible for supporting an environment that promotes relationship building with clients, peers and business partners in order to support the Branch Manager in leading a high performance team to meet and exceed client service, sales and financial goals. This position includes supporting the Branch Manager in actively managing risks by adhering to internal policies and procedures, regulatory requirements and following sound, ethical banking practices.

We actively advocate for, educate, and support our members to help them positively impact the Wisconsin communities they serve.

Association Officers:

Paul J. Northway (Chair), President and CEO, American National Bank Fox Cities, Appleton

Joe Peikert, (Chair-Elect) President and CEO, Wolf River Community Bank, Hortonville

Greg Lundberg (Vice Chair), President and CEO, Fortifi Bank, Berlin

Alvaro (Al) Araque (Past Chair), Senior Vice President, Director of Consumer, Private, and Business Banking, Johnson Financial Group, Racine

Rose Oswald Poels, President and CEO, Wisconsin Bankers Association, Madison Association Board of Directors:

Tina DeGustino, Regional President Northern States, BMO US

Jim Hartlieb, President and CEO

First Business Bank, Madison

Kelly Heroux, President and CEO Peshtigo National Bank

Shay Horton, President and CEO Cumberland Federal Bank

Shane Ilstrup, President Citizens First Bank, Trempealeau

Jimmy Kauffman, President and CEO Bank of Sun Prairie

Todd Nagel, President and CEO IncredibleBank, Wausau

Nathaniel (Nate) Parrish, President First Citizens State Bank, Whitewater Timothy (Tim) Schneider, President and CEO Bank Five Nine, Oconomowoc William (Bill) Sennholz, CEO Forward Bank, Marshfield

Lindsay Spitzer, President and CEO Bluff View Bank, Galesville Eric Witczak, Executive Vice President and COO, Nicolet National Bank, Green Bay

The Wisconsin Banker is published by the Wisconsin Bankers Association, 4721 South Biltmore Lane, Madison, WI 53718; Telephone: 608-441-1200; wisbank.com. Elizabeth Fenton, Commmunications Coordinator, efenton@wisbank.com Advertising: sales@wisbank.com

To report a change of address, please email us at requests@wisbank.com.

The publication of advertisements does not necessarily represent endorsement of those products or services by the Wisconsin Bankers Association. The editor reserves the right ot reject any advertising or editorial copy deemed unsuitable for publication for any reason. Copy deadline is eight business days before publication date.

Disclaimer: With the exception of official announcements, the Wisconsin Bankers Association disclaims all responsibility for opinions expressed and statements made in printed articles and advertisements in the Wisconsin Banker. This publication is designed to provide accurate and authoritative information in regard to the subject matter covered. It is distributed with the understanding that the publisher is not engaged in rendering legal, accounting, or other professional services. If legal or accounting advice or expert assistance is required, the services of a qualified professional should be sought.

March

9-11

10

ABA/WBA Washington Summit

Washington, DC

Advanced IRA Workshop

Madison or Virtual - $275/attendee

11 Health Savings Accounts (HSA) Workshop

Madison or Virtual - $275/attendee

11-12 Call Report Workshop

3/125/9

Two Virtual Half-Days - $295/attendee

Virtual Credit Analyst Development Program

Six-part online workshop series – $2,750/attendee

18-19 Supervisor Boot Camp

Wausau – $550/attendee

17-19 Loan Compliance School

Madison or Virtual - $895/attendee

23-26 Residential Mortgage Lending School

Madison - $1,095/attendee

25 Online Workshop: Fundamentals of Comm. Lending 201: Analyzing Repayment Sources

Virtual full day – $275/attendee

26 Security Officer Workshop

Wisconsin Dells - $275/attendee

26 Branch Manager Boot Camp: Session III

Four-part series, virtual half days – $900/attendee

TBD Fraud On-Demand Video Series

Five-part video series – $995/bank

April

4/24/24 Understanding Bank Performance Virtual Series

Eight-part webinar series – $1,000/attendee

8-9 Principles of Banking – CLASS FULL

Fond du Lac - $550/attendee

14-16 Real Estate Compliance School

Madison or Virtual - $895/attendee

15 Online Workshop: Basic Personal & Business Tax

Return Analysis

Virtual full day – $275/attendee

16-17 Agricultural Bankers Conference

Wisconsin Dells - $350/attendee

20-25 9th Annual Power of Community Week

www.wisbank.com/BanksPowerWI

20-24 School of Bank Management

Madison - $1,395/attendee

April continued

21 Community Bankers for Compliance – Session II

Virtual half-day – annual membership/pricing varies

23 Branch Manager Boot Camp: Session IV

Four-part series, virtual half days – $900/attendee

27 20th Annual Women in Banking Conference

Wisconsin Dells – team pricing available

28-29 Introduction to Commercial Lending Boot Camp

Madison - $550/attendee

29 Wisconsin Economic Forecast Luncheon

Madison

29-30 Personal Banker School

Wausau - $550/attendee

TBD Hot Topics in Commercial & Agricultural Lending Webinar Series

Multi-part webinar series

May

4-7

5-6

ICBA/WBA Capital Summit

Washington, DC

BSA/AML Conference

Wisconsin Dells - $495/attendee

6-7 Train the Trainer Boot Camp

Madison – $550/attendee

12 CFO Conference

Madison - $275/attendee

13 Directors Summit

Madison - $275/attendee

13-14 Principles of Banking

19-20

Wausau - $550/attendee

Human Resources Conference

Wisconsin Dells - $350/attendee

KEY: Color-Coded Event Descriptions

Conferences/Summits – One or more days, based on hot topics, industry news and best practices, scheduled time for peer networking

Schools/Boot Camps – Focused on a particular area of banking, allowing for a deep dive into that focused area over the course of two to six days

Workshops/Seminars – One-day programs focused on a specific topic or area of banking.

WBA-Hosted Webinars

Other Events

www.wisbank.com | 608-441-1252 | wbaeducation@wisbank.com