Nov. 11, 2022 

Midterm Election Almost Over

The pollsters may have missed their projections at the national level, but they got them mostly right here in Georgia. Republican candidates for all the statewide constitutional officers were swept back or into office when the votes were tallied from Tuesday’s midterm election. The pollsters predicted the U.S. Senate race was essentially tied, and that turned out to be the case as neither incumbent Sen. Rev. Raphael Warnock nor challenger Herschel Walker could overcome the 80,000 votes cast for the Libertarian candidate in that race, Chase Oliver, for an outright win. A Dec. 6 runoff will determine the winner. The only Georgia U.S. House seat in question was in southwest Georgia where Second Congressional District Rep. Sanford Bishop was handily re-elected. The State House and Senate will remain in Republican control but will have new leadership at the podium in both chambers. Former Sen. Burt Jones will preside over the Senate as the newly elected Lt. Governor. House Republicans are gathering Monday to vote on their nominee for Speaker to replace incumbent Speaker David Ralston, who announced he would not seek another term due to a health challenge. “We look forward to working with all those elected and continuing to represent the interest of our members,” said Elizabeth Chandler, GBA Senior Vice President, Government Relations. “It was especially helpful that our members stepped up and supported our state and federal political action committees, which allowed us to be part of the election process helping those who support our industry. As we move into the Congressional Lame Duck Session, the new Congress in 2023, and the 2023 Georgia General Assembly session, we will continue to call on our members for their advice, counsel and help with our advocacy efforts as issues affecting the industry surface,” she concluded.

 

Back to top of E-Bulletin


FRM Conference Delivers at Critical Time

With the Fed raising rates during the week, plenty of talk about liquidity and funding strategies, and an uncertain economy and investment markets, it was prime time for Georgia bank CFOs and finance pros to gather for the GBA Financial Risk Management Conference last week in Atlanta. GBA Asset/Liability Management Committee Chair Donna Kelley, First National Bank, Bainbridge, led the meeting, which kicked off Thursday with a solid session about the keys for banks in creating value by Chris Marinac of Janney Montgomery Scott. Next up was an ALM panel featuring several bankers: Jeff Kraus, Georgia Banking Company; Haynes Standard, First State Bank; and Holt Redding, South Coast Bank. Joel Updegraff of Brean Capital was the moderator. Interest rate risk management strategies was next on the agenda, with a good overview by Chatham Financial’s Bob Newman. And, Thursday’s program was capped off by an insightful banker panel discussion about capital planning led by Jonathan Hightower of Fenimore Kay Harrison and featuring Derek Shelnutt of Colony Bank and Scott Wilson of Pinnacle Bank. Friday’s program began with an industry and advocacy update from GBA’s Joe Brannen, which was followed by a helpful read on the economy from Lindsay Piegza of Stiefel, Nicolause and Company. The conference concluded with an investments panel led by Curtis Whitaker of FHN Financial. Bankers on the panel were Tom Fitzgerald, SouthState Bank; Rachel Marshall, Citizens Bank of Georgia; Henry Torres, Cadence Bank; and Elisabeth Vogel, Raymond James. Thanks to platinum sponsors The Baker Group and Truist; gold sponsors Raymond James, ServisFirst Bank and SouthState Bank; and silver sponsors Brean Capital, Carr, Riggs & Ingram, FHLBank Atlanta, Fifth Third Securities and First National Bankers Bank. Exhibiting were Empyrean Solutions, IntraFI Network, S&P Global Market Solutions and Reich & Tang. See pictures of the tour on our photo album here.

 

 

Back to top of E-Bulletin


Black

USDA Makes Big Grant to Help Lending to Meat and Poultry Processors

The U.S. Department of Agriculture’s Rural Business and Cooperative Service last week awarded Augusta based non-profit CSRA Business Lending (CSRA) a $7.5 million dollar grant to add to its CSRA Direct lending loan pool to establish the new Georgia Meat and Poultry Revolving Loan Fund. The goal of the program is targeted at launching more beef, pork and poultry processing facilities in Georgia. CSRA will match the grant with $750,000 of its own funds, creating a $8.25 million initial fund for the state. CSRA was one of only eight entities selected nationally for funding by USDA’s new Meat and Poultry Intermediary Lending Program. Georgia Agriculture Commissioner Gary Black was instrumental in helping secure the funding for CSRA’s program. “For seven years, no topic in my office has garnered more attention than that of expanding and modernizing red meat processing capacity in Georgia. I believe the USDA Meat and Poultry Intermediary Lending Program is a critical piece to help solve these issues. We appreciate the leadership of CSRA Business Lending and its Board on this ambitious proposal,” he said. “We believe they are ideally suited to provide these important financial services to expand our processing capacity in Georgia.” For more information contact CSRA’s Randy Griffin, 706.210.2010.

 

Back to top of E-Bulletin


Rate Volatility Top Concern for Ag Lenders Nationwide

A major national survey of banks that lend to farms and other agribusinesses shows 49% say interest rate volatility is their top internal concern, and inflationary pressure is their top concern for producers. These issues mirror what we’re hearing from GBA members who bank our state’s top industry.  Ag lenders’ top concerns after interest rate volatility are lender competition and weak ag loan demand, according to the report, which is produced jointly by the American Bankers Association and Farmer Mac. Get the full 2022 Agricultural Lender Survey report here.

 

Back to top of E-Bulletin


GBA BankPAC 2022 Campaign Update

The 2022 BankPAC campaign continues to have success in raising funds for the FedPAC and StatePAC and that generosity has enabled GBA to represent the banking industry by making sure that we support those candidates who support banking. We are happy to provide you with guidelines for contributions to the StatePAC (contribution may be from your state-chartered bank or holding company if a national bank) and the FedPAC (must come from eligible individuals – directors, officers and salaried employees.) With questions, please call Elizabeth Chandler at 404.372.7893. Contributing this week to the GBA FedPAC are those eligible employees, officers, and directors from the following banks:

  • Citizens Bank of Swainsboro, Milton Gray, President & CEO

  • Oconee State Bank, Watkinsville, Neil Stevens, President & CEO

  • United Bank, Zebulon, Jim Edwards, CEO

Back to top of E-Bulletin


Last Call!

Credit Conference - Dec. 1-2, Atlanta

We’re gearing up for GBA’s 2022 Credit Conference in three weeks at The Westin Atlanta Perimeter. GBA's Credit Committee has planned a full conference and we’ve got a big crowd already registered. Bank credit officers and lending teams will want to take in all the latest information on the economy, housing, regulatory positions, ag credit conditions and economic development activities around the state. And, the networking with your peers is unparalleled. Take a look at the agenda here. Save $50 on registration if you sign up by the end of the day Nov. 16. Exhibitor and sponsorship opportunities are still available. Get all the details and register here. A huge thank you to our sponsors - platinum sponsor Steve H. Powell & Company; gold sponsor Abrigo; and silver sponsors Carr, Riggs & Ingram, CPAs and Advisors, CSRA Business Lending, Mauldin & Jenkins, LLC, Point to Point Environmental, Inc., Qualtik, ServisFirst Bank and Wipfli LLP.

 

Back to top of E-Bulletin


Heyburn

Registration is OPEN!

2023 Ops/Tech Conference - Feb. 8-10, Savannah

It’s time to sign up to attend GBA’s Operations and Technology Conference, which will be Feb. 8-10 at The DeSoto hotel in Savannah. One major speaker will be Virginia Heyburn, director of Research, Insights and Advocacy for Engage fi delivering a session called Demystifying Open Banking: Why Innovation is the Bank Brand of the Future. “'Open banking' is the buzzword of the day in banking circles, creating confusion and concern around what banks should do next to better understand and create new possibilities promised by the pundits. Far more than the obvious API-based integration advantage, open banking is first and foremost a business strategy for the future,” Heyburn says. “This session will build a business case for Open Banking that shows the possibilities for new revenue streams and the need for Open Banking strategies across both core banking and digital banking.” The rest of the agenda is taking shape, but topics will include strengthening operational efficiencies, cybersecurity insurance, fraud prevention strategies and integrating technology into your enterprise strategy. Thanks to the GBA Operations and Technology Committee, led by its Chair Tracy NeSmith, Planters First Bank, and Vice Chair Shan Venable, Altamaha Bank and Trust Company, for their work on the agenda. With sponsor and exhibitor questions, please contact Alison Moreau, 404.420.2034. For more information and to register, click here.

 

Back to top of E-Bulletin


Sign Up Today for Sixth-Annual Sporting Clays Tournament Fundraising Event

Leadership GBA will host the 2023 Georgia BankPAC Sporting Clays Tournament on Thursday, Feb. 9, at Old Hudson Plantation in Sparta. This four-person scramble tournament is a fun and challenging event. It’s also a great opportunity to invite your legislators, directors, customers, co-workers and friends to meet and shoot a round of clays with your colleagues in the banking industry. Proceeds will go to the GBA StatePAC.* Don’t have a team yet? That’s OK – go ahead and register and let us know your teammates’ names later. Or, sign up as an individual and we’ll place you in a team. Registration includes 100 targets, cart and barbecue lunch. Get all the details and register here. You can also show your support for the StatePAC through sponsorship; click here for details. Opportunities range from $280 - $1,000. Thanks to our sponsors Great Oaks Bank; and Northeast Georgia Bank. We appreciate your support! Questions? Contact GBA’s Kathy Friestad.

 

* The GBA StatePAC contributes only to candidates running for state-level offices such as the Georgia General Assembly, the Governor’s office and the Lieutenant Governor’s office. Contributions can be made from an individual, from bank funds if you are a state-chartered bank or from a national bank holding company if the contribution is made from funds other than those resulting from the operations of the national bank.

 

Back to top of E-Bulletin


Washburn

Act Fast – New Program Dec. 14

HMDA Workshop – How to Be Ready for Updated Rules in 2023

More smaller banks may now be subject to HMDA reporting in 2023 based on the recent court decision overturning the previous coverage thresholds established by the CFPB. On Dec. 14 at Middle Georgia State University in Macon, Steve H. Powell & Co. President Brad Washburn will teach a HMDA Workshop to help newly required institutions as well as those regular reporters who need a brush up on all the best practices. Whether you are new to HMDA reporting or need a refresher course this is a workshop you do not want to miss. Washburn will provide in-depth classroom style training to break down the current HMDA rules and guidance to provide practical tips for implementation. Register here to secure your spot and get all your HMDA questions answered.

 

Back to top of E-Bulletin


Internal Audit Seminar - Dec. 9, Macon

On Dec. 9 at Middle Georgia State University in Macon, Crowe LLP Senior Manager Darren Shuster and Internal Audit, Fraud Prevention Consultant Mike Thomas will host GBA’s Internal Audit seminar. This seminar will be a practical, "hands-on" discussion of effective practices in auditing that will cover the following topics: auditing the lending function, auditing mortgage banking functions and recent trends in financial institution fraud. Register here to secure your spot. With questions, contact GBA’s Aimee Corcoran, 404.420.2035.

 

Shuster Thomas

 

Back to top of E-Bulletin


Only Eight Spots Remaining!

GBA Website Digital Banner Advertising Now Available

GBA is pleased to partner with ARP to offer a website banner advertising program. Please reach out to ARP’s Christina Womack to learn more about the option for a run-of site GBA website banner ad.

Christina Womack

Direct: 214.396.6581

Office: 855.790.0001 x1016

cwomack@associationrevenuepartners.com

ARP Creative Services are also included at no charge giving potential advertisers access to a professional design team to ensure the highest quality design and artwork. Check out the rotating ad banner now at gabankers.com.

 

Back to top of E-Bulletin


Allen

Two Lending Seminars with Fan-Favorite Speaker Coming Up

Mike Allen, a high-demand speaker and member of the Georgia Banking School Board of Directors and faculty, will present two popular lending seminars this fall at Middle Georgia State University in Macon. Click the links below for more information and to register.

  • Nov. 16: Business Cash Flow Analysis
    An introduction and practical approach to business cash flow analysis, this seminar is designed for small business lenders, commercial lenders, and credit analysts/underwriters. This seminar will assist those bankers who originate and underwrite small business and commercial loans by providing a framework of how to approach the technical and non-technical components to analysis, develop an understanding of what the key points of interest are relative to various requests, and ultimately determine a borrower's capacity to repay your loan. Get all the details and register here.

 

  • Dec. 8: Loan Documentation
    Prevention of loan losses through the implementation of proper loan structuring and documentation techniques is the objective of this seminar. Topics covered will include background and review, identifying the borrower and collateral, evidencing the debt, attaching and perfecting the collateral, real estate specifics, residential construction lending and guarantees. Get all the details and register here.

Questions? Contact GBA's Aimee Corcoran, 404.420.2035.

 

Back to top of E-Bulletin


GBA Partner John M. Floyd & Associates

Compliance Insights into New CFPB Guidance on Overdrafts

By Cheryl Lawson, Executive Vice President, Compliance

 

Can the assessment of overdraft fees constitute an unfair act or practice under the Consumer Financial Protection Act (CFPA), even if the entity complies with the Truth in Lending Act (TILA) and Regulation Z, and the Electronic Fund Transfer Act (EFTA) and Regulation E? The recent CFPB Circular 2022-06 provides a response to the question: Yes. The front-page news stories and the presidential tweet we’ve seen recently seem to indicate that Overdraft Fees may be disallowed. Well, that is not quite the case. The latest CFPB Circular addresses unanticipated overdraft fees, which may constitute unfair acts or practices. While transparency and disclosure continue to be what regulators expect, there is more to it. Want to learn more about this guidance’s impact on your community bank and how you can proactively mitigate risk? Read more from Lawson's blog post. Visit www.jmfa.com for more news about overdraft program compliance.

 

Back to top of E-Bulletin


 

 

Back to top of E-Bulletin


Learn More About the Advantages and Rewards of Tax Credits with GBA Partner Monarch Private Capital

The GBA is pleased to endorse Monarch Private Capital (MPC) as a GBA Strategic Partner. MPC is a syndicator and broker of state and federal tax credits. Headquartered in Georgia, MPC operates in multiple states and transacts tax credits in more than 20 states, in addition to Federal credits. MPC is one of the largest and most reputable firms brokering both the Georgia low-income housing and film/entertainment credits. MPC invests in projects which generate transferable state and federal tax credits in the following industries:

  • Low-income housing

  • Film and entertainment

  • Alternative energy production facilities

  • Historic, mill and abandoned building rehabilitation.

MPC has sold marketed credits since 2005, placing over $1 billion in credits with its investors. They underwrite and market their credits with a conservative and diligent approach. No investors have ever suffered a recapture loss from any of MPC’s credits. For more information about MPC, please contact Brent Barringer at bbarringer@monarchprivate.com or 334.663.4523.

 

Back to top of E-Bulletin


Smith

Registration Now Open! Legislative and Economic Forum & Reception

Join the GBA Board of DirectorsPublic Affairs Committee and BankPAC Board on Wednesday, Jan. 11, as they host GBA’s annual Legislative and Economic Forum, followed by GBA’s annual Legislative Reception honoring members of the General Assembly, Constitutional Officers, statewide Judiciary and other dignitaries. Any member bankers, Associate Members or Bank Counsel Section members with management, finance, business development or government relations-related responsibilities or interests are invited to attend. The forum will be from 3-6 p.m., followed by the reception from 6-7:30 p.m. at the Hyatt Regency Atlanta Downtown. We’re still building the full forum agenda, but we’ve confirmed University of West Georgia Richards College of Business Economics Chair and Professor William. J. “Joey” Smith to give us an economic update. Smith is also a popular instructor on economics for the Georgia Banking School each year. Click here for all the details and to reserve your spot. We have reserved a block of rooms at The Starling Atlanta Midtown Hotel (Curio Collection by Hilton) for Wed. night, Jan. 11 for $189/nt plus taxes and fees. Reservations may be made by calling 1-800-HILTONS (1-800-445-8667) or through GBA’s custom reservations link. When calling be sure to identify yourself as a member of the GBA Legislative Forum block. Event sponsorships are also available. Click here for that info. Thanks to our event sponsor, ServisFirst Bank! Contact GBA’s Kathy Friestad with questions.

 

Back to top of E-Bulletin


Marketing/Business Development Skill Builder

How to Turbo Charge the Flow of Leads from Digital Channels

Sign up for our quick-hitter Lead Generation Boot Camp Webinar Series coming up Nov. 29-30. This four-part series over two days will help marketers fine tune their digital channels to increase reach, referrals and leads. It is ABA accredited and each approximately 45-minute session is worth 1 CFMP Credit, for a total of 4 CFMP. Details and registration available here.

 

Back to top of E-Bulletin


Stogniew

Registration now open!

The BSA Summit, 2023 - Jan. 30-Feb.2, Peachtree City

GBA is excited to partner with Kristen Stogniew, Esq., CFE, shareholder, Saltmarsh, Cleaveland & Gund, to bring you the 2023 GBA BSA Summit. Stogniew has more than 20 years of experience as a trusted advisor to community banks on legal, operational and compliance concerns. She also facilitates The Florida Bankers Association’s popular BSA and AML School.

 

GBA’s BSA Summit is a comprehensive BSA school that has everything you need to assess and maintain your BSA/AML compliance program as well as to meet annual regulatory training requirements. Highlights include:

  • Special sessions for those new to BSA/AML

  • SAR and Money Laundering Scenarios

  • Panel and Peer Group Discussions

  • Cryptocurrency and Cannabis

  • Risk Assessment and Board Reporting.

Registration is limited so secure your spot today! Registration includes printed session materials, an opening reception, meals and breaks. We are also offering exhibit and sponsorship opportunities. Associate members are eligible to sponsor, exhibit or both sponsor and exhibit. Get all the details and register here. With questions, contact GBA’s Aimee Corcoran.

 

GBA has applied for CRCM continuing education credits for attending the school.

 

Back to top of E-Bulletin


Mark Your Calendars!

GBA 2023 Spring Conferences

Mark your calendars and save the date for the following 2023 spring conferences!

  • HR Professionals Institute - Wednesday, March 22, through Friday, March 24, at the King & Prince, St. Simons.

  • Marketing Conference - Wednesday, March 22 through Friday, March 24, at the King & Prince, St. Simons.

  • Bank Security Conference - Wednesday, April 12, through Friday, April 14, at The Westin Jekyll, Jekyll Island.

  • Rural Development & Lending Conference - Thursday, May 18, through Friday, May 19, at the King & Prince, St. Simons.

With questions, contact GBA’s Alison Moreau.

 

Back to top of E-Bulletin


The IRA Merry-Go-Round Seminar, IRA Basic and Advanced Issues - Feb. 7-8, Macon

There are too many issues and too many potential pitfalls financial institutions will experience if they don’t have a working knowledge of recent IRA changes. Forms have been changed, IRA software was most likely updated and most of the new rules have gone through several interpretations. Patrice Konarik of Sunwest Training Corp is back with her intensive, two-day seminar Feb. 7-8, 2023, at Middle Georgia State University in Macon, that will help you pull it all together. The IRA Basic class on Day 1 will cover the old rules and the new changes because most of the IRA rules prior to 1/1/2020 are “grandfathered”. Konarik will go over her totally updated IRA “Red Book” Training manual, which has lots of cheat sheets to show you the before and after. In the IRA Advanced Day 2, she will summarize the changes and then actually get into the nitty gritty of new distribution regulations to owners and beneficiaries. Get all the details and register here.

 

Back to top of E-Bulletin


 

 

Back to top of E-Bulletin


Compliance Alliance Question of the Week

 

Question: We are planning on opening a loan production office. What are the signage requirements?

 

Answer: Not all loan production offices are the same, and the signage required is going to depend on which activities take place there. If you do not take deposits, the “Member FDIC” signage is not required, but it's still best practice. You will need the CIP notice if you will be taking applications and the Equal Housing Lender notice. The FCRA notice is not technically required, but is highly recommended. The HMDA Statement notice will not be required if the LPO is not a branch. Lastly, all the employment disclosures (EEOC, Federal wage, Employee polygraph, OSHA, FMLA) are required as well. Our Bank Lobby Signage tool can assist in breaking down the general signage requirement and help determine which signs are needed in your loan production office depending on the activities that take place there.

 

Remember, you always have access to upcoming hot-topic news on consumer and regulatory compliance updates on the Compliance Alliance News Page. Click the following link to Bookmark the News.

 

Back to top of E-Bulletin


Diabetes Awareness Month Resources from GBAIT Wellness Partner

Did you know more than 28 million people in the U.S. have diabetes and 23% of those people go undiagnosed? November is Diabetes Awareness Month, and the Wellview Care Team would like to remind you that if you have diabetes, prediabetes or a family history of diabetes, Wellview is here to help you with expert support, all at no cost to GBA Insurance Trust health plan members. Learn more about the resources and guidance that Wellview can provide at wellviewhealth.com/diabetes-support. All members of the GBA Insurance Trust have access to the wellness benefits available through Wellview. The trust provides health insurance and wellness plans for 182 member companies and more than 18,000 members and their families. Contact Lee Monroe and Jayn Lawson for information.

 

Back to top of E-Bulletin


Virtual Seminar Spotlight – Dec. 6

Get a Grip on Managing Vendor Management and Assessing IT Risks

Join us for this informative online seminar by vendor management expert Dawn Kincaid. The program will cover provide you with loads of tools to help guide you through the vendor management process. You’ll get the latest on regulatory requirements, how to identify the bank’s critical vendors, key contract review strategies, details of new interagency guidance and more. This informative session is designed for risk managers, compliance officers, Information Security Officers and any other individual responsible for vendor management due diligence. Get more details and register here.

 

 

Back to top of E-Bulletin


Webinars

Overdraft Hotspots, Employment Records Retention, Anatomy of a Cyber Attack and More

Here’s a sampling of upcoming webinars. 

See the full slate of upcoming webinars here.

 

Back to top of E-Bulletin


Black Friday Sale – Get 40% Off Sitewide!

Save Big with BankTalentHQ this Thanksgiving – Valid only Nov. 25-28

For a limited time, GBA partner BankTalentHQ will be offering all job posting packages for employers at 40% off. Just use the code THANKFUL2022 between Nov. 25-28 when you check out. See all available Job Posting Packages here.

 

BankTalentHQ is the premier talent management site for banking careers, brought to you by an alliance of banking associations and the American Bankers Association. Finding and keeping top talent is high on the list of challenges banks face, and the solution is BankTalentHQ! Visit BankTalentHQ.com and check out our job posting packages and let BankTalentHQ help you connect with talent today.

 

 

Back to top of E-Bulletin


Recruit, Retain and Develop the Best Bankers with GBA Career Solutions

 

GBA Strategic Partner BankTalentHQ

The central feature of BankTalentHQ is its national bank-job board. Other key benefits include: resume search access, regional and national reach for your open positions, frequent special offers and custom sales/coaching programs. Visit BankTalentHQ to learn more. See the open positions in Georgia here, or search regionally or nationally here.

 

GBA Job Bank

GBA will post open positions, free of charge, for GBA members. See the open positions in Georgia here. We will also post professional summaries for bank-job seekers on our Bankers Available page. To make the process easy and answer any questions, we've developed this Q&A. Please contact Katina Prokos, 404.420.2021.

 

Why Do People Choose Careers in Banking?

Whatever their talents, interests and educational background, there is a career in banking for them. Here are few good reasons to share with folks you know.

 

Back to top of E-Bulletin


GBA Community Connections

We want to share all the good work GBA member banks, bankers, Associate Members and Bank Counsel Section members do to support their communities. Read all about the Community Connections our banks and members have below. Share your Community Connections by sending a brief paragraph and any photos of activities you have to us and we'll publish them at our earliest opportunity. Send information to Katina Prokos, kprokos@gabankers.com, and David Oliver, doliver@gabankers.com, or if your company would like to sponsor this content, let us know. Here's our latest installment:

 

Atlanta - Renasant Bank

The bank sponsored the annual Pink Out/Dawgs for a Cure cancer survivor recognition game at North Gwinnett High School. Bank team members handed out custom pink drink holders and more to the fans. The bank is a sponsor all season of the NGHS football program and has participated in game day all season long.

The bank is also a community partner with Junior Achievement in Atlanta and Gwinnett County, regularly sending a team of volunteers to work with 6th grade students in working through real-life adult working scenarios. The bank’s most recent event taught the students about running a bank.

Tucker - Truist

Operation HOPE is receiving the donation of Truist Financial Corporation's former Tucker branch as part of Truist's $20 million investment to Operation HOPE. The location will serve as a community hub, which will include offices, conference rooms and open spaces for educational discussions and presentations. HOPE Inside coaches will have space to provide clients with financial counseling on everyday financial questions to assist them on their financial journeys. Read more here.

 

Back to top of E-Bulletin


GBA Newsmakers

 

Atlanta - Truist

Our sympathies to his wife, Margie, the family and friends of Tom Bowers, who died recently. Before retiring, Bowers was a longtime member of the GBA Operations Technology Committee, a founder of the GBA Operations School and lecturer at the Georgia Banking School. He was also active with a AIB and instrumental with its merger with GBA. As one of the individuals involved with the creation of automated teller machines, Bowers was also on the board of the first regional ATM network that allowed customers of different financial institutions to use each other’s machines. Near the end of his career, he represented the bank at the State Capitol. Read more here.

 

Atlanta - United Community Bank

Sharon Thompson has been promoted to east Atlanta regional president. In this expanded role, Thompson will be responsible for leading the bank’s commercial and retail operations in central and east Atlanta, which includes Forsyth, Fulton, DeKalb, Gwinnett, Rockdale and Henry counties. Additionally, Kevin Bennett has joined the bank’s mortgage services team in West Atlanta as a mortgage loan officer.

 

Augusta - Synovus

Congratulations to advisory board member Jimmy Rigsby for celebrating 50 years in banking.

 

Chatsworth - First National Community Bank

Pamela Hughes has been promoted to vice president and director of human resources. Angela Moore has been promoted to Bank Secrecy Act assistant. Read more here.

 

Chattanooga, TN - Builtwell Bank

Mitch Sanford has been appointed president of the bank. Read more here. Pictured from left to right are: Executive Vice President and Head of Retail & Business Banking Jeremy Dean, CEO Patti Steele, Sanford and Executive Vice President and head of Commercial Banking Jeff Bridgman.

 

Cornelia - Former Community Bank and Trust

Our sympathies to his wife, Marcia, and former colleagues and friends of Bill Loyd, who died recently. Loyd was active with GBA throughout his career serving as a member and chair of the Marketing Committee, a faculty member and class coordinator for the Georgia Banking School, and a frequent lecturer on best practices in marketing. Read more here.

 

Fitzgerald - Colony Bank

Ed Canup has been named Chief Revenue Officer and president of banking solutions. Read more here.

 

LaGrange - Colony Bank

Tessia Wilder has been promoted to Banking Center Manager for the LaGrange market. Read more here.

 

Tampa and Pensacola, FL - Saltmarsh, Cleaveland & Gund

The firm ranked #4 in Accounting Today’s 2022 list of Best Firms for Young Accountants. Read more here.

 

 

Thompson Bennett Rigsby (right) with GBA's Joe
Brannen
Builtwell Bank

 

Wilder Canup Saltmarsh, Cleaveland & Gund

 

 

Read All About It: Send Us Your News

Please remember to include the Georgia Bankers Association on the list of recipients for announcements about promotions, new employees and special recognition your bank has received. We want to share your news with your colleagues across the state. Please forward your announcements and photos to GBA's Katina Prokos.

Back to top of E-Bulletin