BANK NOTES
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Idaho Bankers Association Joins BankChain Alliance
The Idaho Bankers Association has joined 39 other state bankers associations in announcing the formation of BankChain Alliance, a new industry-owned initiative designed to help banks of all sizes safely offer modern payment and banking services. The Alliance is developing an industry-designed, industry-governed blockchain network that will give participating financial institutions access to emerging…
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Stablecoin Loophole Raises Concerns for Idaho Community Banks
A recent Idaho Statesman guest opinion highlights a growing concern for community banks as policymakers continue developing the regulatory framework for stablecoins. In the op-ed, Carlan McDaniel, executive vice president and chief operating officer at The Bank of Commerce and chair of the Idaho Community Bank Committee, points to an unintended loophole in the…
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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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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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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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Strengthening Franchise Value: Why Community Banks Are Growing Their Use of Reciprocal Deposits
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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ICBA and State Groups Urge Broad Implementation of ACRE Act Tax Exclusion
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
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…