OFFICIAL PUBLICATION OF THE INDIANA BANKERS ASSOCIATION

Vol 109 2025 No. 6

Turning Missed Moments into Meaningful Connections

Turning Missed Moments into Meaningful Connections
How AI Drives Deposit Growth by Amplifying the Human Touch in Community Banking

Community banks have long had a competitive edge: deep, trusted relationships with their customers and members. But in today’s environment – where digital expectations meet lean staffing and fragmented systems – even these relationship-driven institutions face new challenges.

Turning Missed Moments into Meaningful Connections

How AI Drives Deposit Growth by Amplifying the Human Touch in Community Banking
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PSP Year-End Summary 2025

As we wrap up 2025 and move into 2026, the Indiana Bankers Association is an ideal resource for member banks seeking new products or services for their institution. Our outstanding associate membership consists of more than 200 companies covering a wide array of opportunities. The IBA has developed Preferred Service Provider relationships with 22 of these companies, allowing us to provide our bank members with top-quality offerings.

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Moving Beyond ‘Set It and Forget It’

Moving Beyond ‘Set It and Forget It’
Elevating Portfolio Management From Passive To Purposeful

For decades, many community banks have taken a passive approach to investments, primarily using the portfolio as a place to park liquidity and earn spread income, but not always as a tool in dynamic balance sheet management. This approach worked efficiently during many years of relatively stable interest rate cycles that produced modest unrealized gains and losses. However, the past few years have shown that interest rate cycles can be anything but stable.

Moving Beyond ‘Set It and Forget It’

Elevating Portfolio Management From Passive To Purposeful
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