BANK NOTES
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Why Credit Card Rate Caps Would Reduce Access to Credit for Millions of Americans
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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
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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…
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Future Financial Leaders Workshop: A Direct Connection Between Idaho Banks and Emerging Talent
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Last Friday’s Future Financial Leaders Workshop, hosted alongside the Idaho Department of Finance and Boise State University’s College of Business & Economics, gave BSU students a meaningful, up-close look at career opportunities across Idaho’s financial sector. For our industry, it was a chance to connect early with students who will soon be stepping into…
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Strengthening Franchise Value: Why Community Banks Are Growing Their Use of Reciprocal Deposits
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By Joseph Hooker, Chief Sales Officer, IntraFi Deposit competition remains fierce. According to IntraFi’s latest survey of bank executives, 93 percent say they expect deposit competition to remain at current levels or increase over the next year.1 To stay competitive in the current environment, community banks need every tool in their arsenals to attract…
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Honoring the Leadership and Legacy of Patricia R. Perkins
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The Idaho banking community joins the Idaho Department of Finance in expressing deep appreciation for the outstanding service of Patricia “Patti” Perkins, who retired as Director on October 3, 2025. Appointed by Governor Brad Little in January 2020, Perkins brought a steady hand and forward-looking leadership to the Department during a period of rapid…
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Safeguarding Your Bank: Navigating AI Threats and Cyber Claims Trends
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As part of American Bankers Association’s Cybersecurity Month in October, ABA Insurance Services will be presenting “Safeguarding Your Bank: Navigating AI Threats and Cyber Claims Trends” on Wednesday, October 29, 2025, from 12 – 1 PM MT. Don’t miss this opportunity to stay ahead of the curve! Join our experts as they discuss how…
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ICBA and State Groups Urge Broad Implementation of ACRE Act Tax Exclusion
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Community bankers across the country are calling on the Treasury Department to fully implement a new tax provision that supports lending to farmers and ranchers. The Independent Community Bankers of America (ICBA), along with its affiliated state associations including the Idaho Bankers Association submitted a joint letter urging the Treasury to adopt a broad…
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Community Bankers Unite to Address Payments Fraud
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The Idaho Bankers Association, along with 44 state and regional associations and the Independent Community Bankers of America (ICBA), recently submitted joint comments in response to the OCC, Federal Reserve, and FDIC’s request for information on payments fraud. Together, this group represents thousands of community banks nationwide and is committed to ensuring the regulatory…
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Bankers Weigh in on FDIC’s Indexing Proposal
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The Federal Deposit Insurance Corporation (FDIC) is considering indexing certain regulatory thresholds, a move that could reshape how banks of all sizes experience compliance. The American Bankers Association (ABA) and state bankers associations, including the Idaho Bankers Association, submitted comments that voiced support while urging refinements to ensure the policy meets its intended goals.…
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Op Ed: Idaho small business depends on closing the stablecoin loophole
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By: Mike Morrison Mike Morrison is the President and CEO of The Bank of Commerce and the chair of the Idaho Bankers Association. Innovation and tradition go hand in hand in Idaho. Our expanding tech corridor and agricultural economy might seem opposite on paper, but both rely on the same thing: a stable financial…