February 2026

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How are those New Year’s resolutions going? Statistically, somewhere between a third and a half of us have resolved to lose weight in 2026. A key element of a weight loss plan is physical exercise, and a popular version of that is lifting weights.

Fraud and scams thrive not through any single vulnerability but through intricate webs connecting criminals, technology platforms, financial institutions and, unfortunately, victims.

TILA. Q: We have a loan that is a consumer installment loan. The loan officer took a vehicle as collateral and then, as additional collateral, they took a third lien on a real estate property that is not the customer’s primary dwelling. We know the loan officer must obtain a flood hazard check and an

I’m hopeful that those New Year’s resolutions are intact and having their desired effects. In taking one more look back into 2025, it dawns on me that the further we got into the year, the better the bankers’ comments were about their bank’s performance.

The bank failures of 2023 renewed national attention on how federal deposit insurance builds confidence in the banking system.

More than 20 years in the making, the $107 million Montana Heritage Center expansion and renovation project has resulted in a state-of-the-art facility that houses the state’s historic collections and resources, serving as a place for learning and discovery.

While I may be biased, I believe that being a community banker is the best profession there is. There’s just something about watching your customers realize their dreams — whether buying their first home, opening a small business or starting their kid’s college fund — that is second to none.

Looking back on 2025, we have advocacy successes to celebrate. From tax reform and the ACRE tax deduction for interest earned on agricultural real estate loans to President Donald Trump signing into law legislation to bar credit reporting agencies from selling “trigger leads” when consumers apply for a residential mortgage, we have seen developments that signal a deeper understanding of the role community banks play.

Happy New Year! It’s hard to believe that 2026 is already here. As I reflect on the past year, I’m reminded of what a successful team we are due to the commitment and dedication each of you brings as members of the Montana Independent Bankers.