OFFICIAL PUBLICATION OF THE INDIANA BANKERS ASSOCIATION

Vol. 109 2025 Issue 1

Cybersecurity and AI

Cybersecurity and AI

What Community Banks Should Know

Artificial intelligence has dominated headlines and conversations over the last year, with various industries exploring what this technology means for automation, collaboration, communication and more. However, new challenges come with those opportunities to streamline processes, particularly in cybersecurity. Banks should know the following perils and tips to minimize risk when incorporating this technology into their strategies.

Cybersecurity and AI

What Community Banks Should Know

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2025 IBA Education Calendar

MARCH Frontline Excellence: CEO of the Customer ExperienceMarch 4: Virtual FLD Day at the StatehouseMarch 4: Hyatt Regency, Indianapolis BSA FundamentalsMarch 4-5: Virtual Loan Operations Manager ForumMarch 5: IBA Center  Risk Management ForumMarch 6: IBA Center Professional Development, Education & Training ForumMarch 7: IBA Center Leadership Development Program – Session 1March 10-12: Abe Martin Lodge,

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Measuring Repayment Capacity and Farm Growth Potential

Repayment capacity measures include the capital debt repayment capacity, capital debt repayment margin, replacement margin, term debt and capital lease coverage ratio, and replacement coverage ratio.1 Capital debt repayment capacity, capital debt repayment margin, and the term debt and capital lease coverage ratio address a farm’s ability to repay operating loans and to cover the current portion of principal and interest due on noncurrent loans such as a machinery, building or land loan. The replacement margin and the replacement margin coverage ratio enable borrowers and lenders to evaluate whether a farm has sufficient funds to repay term debt and replace assets.

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A Strong Solution for Indiana’s Electronic Lien & Title Law

In 2022, the State of Indiana instituted Phase I of electronic lien & title filing. With this implementation, the IBA selected and endorsed DDI Technology as a Preferred Service Provider. Since the selection, over 50 Indiana banks have signed up and are utilizing DDI’s services. If you are not currently a user of DDI, the IBA encourages your bank to review DDI’s services and pricing when your existing contract comes up for renewal.

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Repercussions of Tax Policy Changes for Municipal Bonds

Repercussions of Tax Policy Changes for Municipal Bonds

2025 will undoubtedly be a year of intense tax-related negotiations among lawmakers with the looming expiration of the Tax Cuts and Jobs Act of 2017 and Republicans in narrow control. While it is too early to know concrete tax plans from President Donald Trump’s second term, we have some insight into what he would like to implement as stated on the campaign trail, including:

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