BANK NOTES
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Navigating Compliance Challenges: Key Insights for Financial Institutions
The financial industry is navigating a whirlwind of regulatory changes, record-breaking activity, and emerging fraud schemes. For compliance officers, auditors, and other stakeholders, staying ahead requires a proactive approach to understanding and addressing these developments. Here, we explore three critical areas shaping the compliance landscape: the surge in regulatory proposals, record-breaking Suspicious Activity Reports…
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New Resource: The AI Framework for Community Banks
Artificial intelligence is quickly becoming part of the operating environment for financial institutions. For community banks, the opportunity is real, but so is the need for structure, oversight, and clear governance. Verapath has released The AI Framework for Community Banks, a practical guide designed for institutions navigating AI adoption within a regulated environment. The…
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Most Banks Avoided Layoffs, Expect Smaller Impact from AI
Eighty-seven percent of bankers said their staffing levels had remained the same or increased over the past three years, according to the latest Bank Executive Business Outlook survey from IntraFi. Most bankers also expressed confidence that AI will not significantly disrupt employment in the near term. Seventy percent of respondents said they expect AI…
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Three Questions Banks Should Ask About Moving Deposits Off Balance Sheet
By H.D. Barkett, Senior Managing Director, IntraFi ® Moving Deposits Off Balance Sheet Is a Strategic Decision—Not a Reaction Deposit networks are often described as funding tools, enabling banks to access funds and depositors to access FDIC insurance on large amounts. But they are far more than that. Deposit networks can also be balance…
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IBA Launches Statewide Banking Apprenticeship Programs for Member Banks
The Idaho Bankers Association has launched new Registered Apprenticeship programs to help member banks develop talent, strengthen career pathways, and support Idaho’s growing workforce needs. IBA will serve as the group sponsor for this statewide initiative, giving member banks access to apprenticeship programs designed specifically for careers in banking. The initial programs include Junior Lender and Universal Banker. The Junior…
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Banking can bridge the political divide
Rob Nichols Washington Update April/May 2026 We all recognize the political divisions in this country, and the difficulty in getting Republicans and Democrats to agree on the time of day much less substantive policy issues. But as bankers who attended ABA’s recent Washington Summit in the nation’s capital learned, once you drill down past…
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Why Copilot Alone Is Incomplete for Community Banks(And What Governed Intelligence Now Actually Requires)
By: Joe McMann, Co-Founder & CRO Verapath Community banks are under increasing pressure to adopt artificial intelligence. That pressure is justified. Intelligence already shapes how information is interpreted, how risk is assessed, and how decisions are made inside financial institutions. What is no longer optional is whether bank intelligence is governed, supervised, and defensible.…
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Connecting Students to Technology-Driven Careers in Banking
As technology continues to reshape the financial services industry, it’s critical that students understand how STEM skills translate into real-world careers within banking, not just within fintech startups, but inside regulated financial institutions that serve communities every day. The Idaho Bankers Association is partnering with West Ada School District to support an upcoming career…
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Why Credit Card Rate Caps Would Reduce Access to Credit for Millions of Americans
In moments of economic pressure, simple solutions can sound appealing—but history reminds us that simplicity does not equal effectiveness. A recent proposal calling for a temporary federal cap on credit card interest rates has reignited a long-standing policy debate with serious implications for consumers, small businesses, and access to credit nationwide. In response, American…
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Deposit Competition Expectations Remain Heightened, Loan Demand Improved
Per IntraFi’s recent survey of bank executives, 93% expect competition for deposits to increase or remain unchanged over the next year. Since hitting a low point of 25% in the first quarter of 2023 the percentage of respondents experiencing greater loan demand has increased. This quarter 46% of bankers note higher loan demand. Download…