Pub. 4 2016 Issue 3

9 Fall 2016 The Community Banker S ince 1930, the Indepen- dent Community Bankers of America (ICBA) and the nation’s community banks have been passionately pursuing a singular mission: To create and promote an environment where community banks flourish. With a time-tested business model based on personal relationships as well as a commitment to technological innovation, the community banking industry remain thriving stalwarts in their communities. Founded in Glenwood, Minn., ICBA is now headquartered in Washington D.C., with addition- al office locations in Sauk Cen - tre, Minn., and Newport Beach, Calif., along with 11 regional offices across the nation. ICBA has member commu- nity banks in every state of the union, the District of Columbia, the Virgin Islands and Ameri- can Samoa. The association’s members include commercial banks, savings institutions, mu- tual banks, agricultural banks, minority community banks and Community Development Financial Institutions. Located in small towns, suburbia and big-city neighbor- hoods, community banks have 51,000 locations nationwide and employ 700,000 Americans. They hold $3.9 trillion in assets, $3.1 trillion in deposits, and $2.6 trillion in loans to consum - ers, small businesses and the agricultural community. Nearly 2,700 community banks have been ICBA mem- bers for 20 years or more, near- ly 1,300 have been members for at least 50 years, and two have been with the association since its founding. ICBA Advocacy The community banking industry helps hometowns flourish while fostering a pro-community bank environ- ment through ardent political advocacy. Harnessing a first- class reputation and dedication to the hard work of grassroots outreach, community bankers advanced numerous industry initiatives on Capitol Hill and at the regulatory agencies. ICBA Bancard® ICBA membership also provides community bankers exclusive access to financial products and services to help them continue to flourish and serve their communities. For more than 30 years, ICBA Bancard has been serving the credit and debit card needs of community banks. Through multiple best-of-breed ser- vice providers, the payments services subsidiary helps community banks support their bottom lines while meeting the card payment needs of their business and consumer customers. TCM Bank, N.A.® As an ICBA Bancard subsid- iary, TCM Bank is dedicated to enhacing the agent bank and cardholder experience by expanding product offerings. ICBA Bancard and TCM Bank offer consumer and business credit card programs (direct is- sue or managed risk), consumer and business debit cards, card reward programs, turnkey mar- keting support, card education, credit card portfolio consulta- tions, purchase and valuation services, exclusive fraud-loss protection and risk-manage- ment solutions, merchant processing and ATM driving. Mortgage Products & Services ICBA Mortgage® provides community banks with direct and indirect access to the secondary mortgage lending market and other mortgage-re- lated products and services. Strategic secondary market partnerships, powerful technol- ogy, superior training courses and a wide range of mortgage programs enable community banks to expand their market share, generate fee income and compete with the large mort- gage players in today’s market. Reinsurance Sales and Services ICBA’s credit insurance services corporation, ICBA Rein- surance®, provides hundreds of community banks the benefits of owning a captive reinsurance without the capitalization costs or administrative expenses. Program participants benefited from the community bank– owned company’s strategic alliances with life insurance companies Transamerica and the Plateau Group. Investment Portfolio Services ICBA Securities® was founded to provide commu- nity bankers with high-quality investment products, services and education at competitive prices. Thousands of commu- nity banks use ICBA Securities and its exclusive broker Vining Sparks for their investment needs. ICBA Strategic Technology Solutions™ ICBA Strategic Technolo- gy Solutions (STS) provides community banks with indus- try-best outsourced IT man- agement services, helping ICBA member banks be more com- petitive, efficient and secure. ICBA STS is a strategic alliance between ICBA and D+H® that leverages D+H’s Compushare C3 platform to assist commu- nity banks in better managing technology and compliance. Community Banker University® With the launch of Commu- nity Banker University, ICBA provides modern education designed specifically for com - munity bankers. Through ICBA educational courses, certifica - tion options and continuing education programs, commu- nity bankers are better able to serve their customers and stay profitable. To find out more about ICBA, visit www.icba.org or call 1-866-THE-ICBA. ICBA AND AFFILIATES Featured Associate Member