Nov. 3, 2023  

Financial Risk Management Conference Kicks Off

Georgia bank CFOs and other finance professionals are gathered in Atlanta this week for the annual GBA Financial Risk Management Conference. This event, planned by the GBA Asset/Liability Management Committee, covers the full spectrum of finance topics essential for ensuring profitably run banks. Here are some scenes from Thursday’s sessions. Look for a full de-brief and more photos next week.



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Cattle, Veggies and Peanut Research Highlights of Fall AgFarm Tour

Our annual member visit to unique and important ag-related businesses and facilities took place last Thursday and Friday. GBA Agriculture Committee members and others specializing in serving agribusinesses attended the annual event. The tour kicked off with a visit to a cattle auction at the Turner County Stock Yard in Ashburn. More than 1,100 cattle were being auctioned during the afternoon’s session. The stockyard, which leads the state for cattle sales, was built in 1948. Allen Wiggins, whose family owned and operated the stockyard from 1960 until its recent sale, explained how trust and honesty in dealing with sellers and buyers have been the cornerstones of success for the facility. He also gave bankers some insight into underwriting loans for cattle buyers. The visit was coordinated and hosted by Chris McCard, South Georgia Banking Company. The next stop was Lewis Taylor Farms in Tifton. The major farm operation has been family-owned and operated for 80 years. The farm is comprised of 6,500 acres spread throughout several counties. It grows more than 280 million vegetables and 90 million pine tree seedlings annually. We were given a tour that included a look at their pine tree seedlings, tomato and pepper fields, greenhouses and vegetable cleaning and packing operations areas. We also learned about labor challenges and the significant steps taken to ensure food safety. Ag Committee Vice Chair Jake Cleghorn of Altamaha Bank and Trust coordinated and hosted the visit. The dinner program featured experts on farm and agriculture tax strategies, primarily the availability of tax deductions for depreciation related to soil quality for certain landowners. Shawn Utley, a retired educator and landowner, created a company, SENSA, to help landowners test their soil to qualify for the deductions. Buck White, a partner at the Veazey White accounting firm, shared details on tax strategies for farmers. The Friday stop was at the National Peanut Research Lab in Dawson. The facility, established in 1965, conducts significant research on breeding, curing, cleaning, storing, shelling and marketing peanuts as a safe consumer product. Our tour there, led by Supervisory Research Food Technologist Marshall Lamb, included visits to labs, test fields and scale-model test warehouses. We learned about efforts to reduce harmful aflatoxin growth on peanuts as well as a breakthrough in fire detection in peanut storage facilities. Ag Committee Chair Matt Rushton of AB&T coordinated and hosted the visit. See pictures of the tour on our photo album here. With questions, contact Alison Moreau, 404.420.2034.


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All Things Marketing at Peer Group Meeting

Georgia bank marketing pros gathered this week in Macon for an in-depth peer sharing session. The GBA Marketing Committee hosted the meeting and organized the program for the peer group. The featured speaker was Patrick Blanchard of GBA Associate Member Truelio, a branding, digital marketing and technology transformation agency. Blanchard covered new techniques and resources for location-based marketing, search-engine-optimization strategies, localized digital campaigns, data visualization and a formula for defining return on investment for campaigns. The extended afternoon peer roundtable session allowed members to swap notes about best practices for managing expectations for internal responsibilities, deposit growth and retention campaigns, use of AI and ChatGPT, customer communication and consumer education, language translation, payment channels, and marketing mortgage and homebuilding loans. Marketing Committee Chair Haley Barnes, BankSouth Mortgage, facilitated the roundtable discussion. Make note and mark your calendars for the 2024 Marketing Conference at the Westin Jekyll Island March 20-22, 2024. Registration and more details will be available soon. With questions, contact Aimee Corcoran, 404.420.2035.


Related Webinar: Marketing and Advertising Compliance All Day Streaming - Nov. 16


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Haley Barnes

Related: GBA Member Profile

Fulfilling Dreams of Homeownership with Haley Barnes

As marketing manager at BankSouth Mortgage in Valdosta, Haley Barnes enjoys helping guide people through some of their biggest milestones such as buying a home (or a second home), and she believes every bank team member has a vital role to play. “Teamwork makes the dream work and it takes every single person to make a loan happen at BankSouth Mortgage. From marketing to sales, to operations, IT, and leadership, everyone has a part and our marketing team gets to be a part of helping someone accomplish their dream of homeownership.” The chair of the GBA Marketing Committee shares insights about her journey into the banking industry, valuable advice she received in her early career about the importance of relationships, her love of traveling to national parks and bucket list goal of visiting all 50 states with her family, and much more in the latest GBA Member Profile.


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A Number of Members Among Georgia 500 Most Influential Leaders

We were pleased to see several members honored this week by Georgia Trend in their 2023 list of the Georgia 500 most influential leaders. Congratulations to:

  • Kevin Blair, president and CEO, Synovus, Columbus

  • Cynthia Day, president and CEO, Citizens Trust Bank, Atlanta

  • Mike Donnelly, executive vice president, branch banking region director. Wells Fargo, Atlanta

  • Bill Easterlin, president and CEO, Queensborough National Bank & Trust Company, Louisville

  • Robert Earl James, president and CEO, Carver State Bank, Savannah

  • Randy Koporc, regional president, Fifth Third Bank, Atlanta

  • Bill Linginfelter, area president, Regions Bank, Atlanta

  • Bartow Morgan Jr., CEO, Georgia Banking Company, Atlanta

  • Eddie Myers, executive vice president and Georgia president, PNC Bank, Atlanta

  • Palmer Proctor, CEO, Ameris Bank & Ameris Bancorp, Atlanta

  • Katie Saez, Georgia region president, Truist, Atlanta

  • Wendy Stewart, president, global commercial banking, Bank of America, Atlanta

  • Deborah Cicatelli, senior vice president, regional director, mid-south region, Raymond James & Associates, Atlanta

  • Keith Fleming, region manager, Georgia middle market banking, JP Morgan Chase, Atlanta

Read more in Georgia Trend here.


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President Issues Major AI Executive Order

We’ll carefully monitor how federal agencies comply with an Executive Order issued this week by President Biden for them to review and possibly draft new rules governing the use of artificial intelligence. The order instructs them to address concerns over financial stability and instructs the U.S. Treasury Department to submit a report in 150 days on related cybersecurity best practices. It also directs the CFPB, Federal Housing Finance Agency and Department of Housing and Urban Development to address and issue guidance to protect against bias and unlawful bias in loan underwriting, collateral valuation and appraisals. Read more here.


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Leader Updates

GDP, Speaker of the House, 1071 Delay, Mortgages

Our series of regular email updates to CEOs, committee members and other key leaders continued this week. Topics included:

  • GDP: It was good to see GDP growth reported at 4.9% for third quarter. We shared a tracking chart going back to 2009.


  • U.S. House Speaker: Rep. Mike Johnson, (R-LA) is the new Speaker of the House, and we shared some background on his record related to banking issues.


  • 1071 Delayed for All: A Texas court has extended its injunction on enforcement of the CFPB’s 1071 small business reporting rule to cover all banks. The injunction stopped compliance enforcement until the U.S. Supreme Court rules on the constitutionality of the CFPB’s funding. Oral arguments in that case were held last month, and a decision is expected in early 2024. We shared a copy of the ruling extending the injunction to all institutions.


  • Mortgages: We shared some analysis and perspective on current and historical mortgage rates.

If you’d like more information about any of those topics, contact Joe Brannen, 404.420.2026


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Attention Attorneys!

Status of Important Cases - November 2023

The ABA Newsbytes Banking Docket for November 2023 is now available. Click here for the details of the status of important cases. (Each article contains a “Read more” link with access to additional details on the issues, case summaries and links to related documents.)


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2023 Bank Compliance Leader Award Nominations Now Open

GBA-owned partner Bankers Alliance is excited to announce the nomination period is open for its first Bank Compliance Leader Awards. Banks can recognize an individual in their compliance department who has had a positive impact not only as a compliance leader within the bank, but also in the community and industry. Download the nomination form here. Please email your nomination to The deadline for submissions is Feb. 29, 2024.


Award winners will receive:

  • A plaque and pin, which will be presented during the 2024 ABA Regulatory Compliance Conference. Learn more about that event, scheduled June 11-14, 2024.

  • Recognition in Bankers Alliance’s Access Magazine, newsletter, and other press releases distributed nationwide.

  • A digital badge representing the Bankers Alliance Compliance Leader Award, which winners can display across professional and/or social media platforms.

Nomination Criteria:

  • Nominee should have at least five years’ experience in banking compliance.

  • Nomination should be made a president/CEO or board chairman.

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You Can Help BankPAC Reach Its Goal

This is the time of year that the BankPAC Board of Directors begins to wrap up the yearly fundraising campaign and we sincerely hope that this is on your radar if you and your bank have not yet contributed to the StatePAC and FedPAC. This important effort is key to making sure our industry’s voice is heard across federal and state levels of government. You can find the campaign materials on GBA’s website where you can easily download contribution forms for the GBA StatePAC and FedPAC and find a link to make an individual contribution online to the FedPAC. See how your GBA group is faring so far. With questions, please call GBA’s Elizabeth Chandler at 404.372.7893 or Bo Brannen at 404.731.9886.


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Registration Now Open for Georgia BankPAC Sporting Clays Tournament

If shooting clays is your thing, be sure you’ve got Feb. 8 locked and loaded on your calendar for the 2024 Georgia BankPAC Sporting Clays Tournament.  Planned and hosted by Leadership GBA’s Board of Directors, this event will be back at crowd favorite Old Hudson Plantation in Sparta, and all proceeds will go to the Georgia state PAC*. Click here for more details and to register. There are registration options for two-person teams, individual shooters, as well as sponsorship opportunities. Contact GBA’s Kathy Friestad with questions.


* The GBA StatePAC contributes only to candidates running for state-level office 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.


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Kristen Stogniew

Two Great BSA Programs


Convenient Peer Networking – Nov. 28, Virtual

Sign up now for virtual winter session! Grow your BSA network and connect with your peers. Kristen Stogniew of Saltmarsh, Cleaveland and Gund will be back to lead the group discussion and registrants can submit industry hot topics during the registration process to ensure those topics are covered. Get all the details and register here.


BSA Summit, Jan. 29 – Feb. 1, Peachtree City

You need the right skills and equipment to assess and maintain your bank’s BSA/AML/CFT and OFAC programs. Join us at GBA’s BSA Summit in Peachtree City at the Hilton Conference Center, Jan. 29 - Feb. 1. Facilitated by Kristen Stogniew, attendees can expect a deep dive into the world of BSA compliance through a variety of sessions. Register here and strengthen your BSA knowledge and practices.


With questions about either program, contact Aimee Corcoran, 404.420.2035.


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Credit Conference - Nov. 30 - Dec. 1, The Westin Buckhead Atlanta

Hotel Block ends Wed., Nov 8 – Make your reservation today!

Registrations are building for the annual GBA 2023 Credit Conference hosted annually by GBA’s Credit Committee under the leadership of Michael Tesler, Ameris Bank, and Vice Chair Rebecca Abraham, Signature Bank of GeorgiaGet all the details and register here. Sessions include:

  • How to Evaluate a Borrower’s Ability to Survive Inflation and Recession, Dev Strischeck, Devon Risk Advisory Group

  • Challenges and Opportunities in Commercial Real Estate Credit, Cal Evans, Synovus

  • Ag Update, Will Bentley, Georgia Agribusiness Council

  • How Market Shifts Impact the Foundation of “Banking”, Dave Koch, Abrigo

  • Industry and Regulatory Update: A Chat with Kevin Hagler, Georgia Dept. of Banking & Finance and Joe Brannen, Georgia Bankers Association

  • Economic Update, Roger Tutterow, Kennesaw State University

We’d like to thank these Associate Members who are showing their support through sponsorship.

  • Platinum Sponsor: Steve H. Powell & Company

  • Silver Sponsors: CRI - Carr Riggs & Ingram CPAs and Advisors, CSRA Business Lending, Mauldin & Jenkins, Point to Point Environmental and Wiplfi LLP.

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Protecting Your Bank from Check Fraud: When to Obtain a GBA Thumbprint Signature

Despite continuous developments in the technology to safeguard our money, we unfortunately continue to hear about regular cases of check fraud among our membership. It’s still happening at banks big and small. Your bank can lower the odds of being affected by participating in GBA’s Thumbprint Signature Program. The program was designed to deter check fraud by collecting a thumbprint “signature” from non-customers when cashing checks. A thumbprint signature should be obtained when:

  • A non-customer presents an on-us or not-on-us check for cashing. (This includes employees of commercial account customers who present payroll checks drawn on the bank.)

  • A non-customer presents an on-us check for exchange to a cashier’s check.

  • A non-customer presents a government check for cashing.

To learn more about participating in the Thumbprint Signature Program, please contact GBA’s Bo Brannen, 404.420.2014.


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GBA Retirement Services Annual 401(k) Training Seminar

The dates for the GBA Retirement Services Annual 401(k) Training Seminar are Dec 5 in Atlanta and Dec. 6 in Macon. HR administrators of banks or companies in the Trust may attend either session at no cost to you! We will cover plan administration, SECURE 2.0 Act, website demos, testing review, compliance updates, overview of investments, financial wellness tools, and review 2024 fee schedules. Is your plan not a part of our Master Trust? We invite you to also come and learn more about our services. Give us a call to find out how our program is helping thousands of Georgia Bankers be fully prepared for retirement. We promise you won’t be disappointed. Have questions? Contact Mandy Richards at 404.420.2025 for more information. Please click here to register for Atlanta or Macon.


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2024 Legislative Forum & Reception Date and Location Confirmed

Break out the 2024 calendar and be sure to block Wed., Jan. 24 for GBA’s annual Legislative & Economic Forum and Reception. The Forum and Reception will be at the Ritz-Carlton in Downtown Atlanta. This event is a must-attend for member bankers, associate members, and strategic partners as the advocacy season kicks off. We are in great hands with our seasoned advocacy team, led by Elizabeth Chandler, Executive Vice President, Government Relations & Advocacy, Bo Brannen, Senior Vice President, Member Services & Advocacy, Steve Bridges, Government Relations Consultant, and Tripp Cofield, GBA Insurance Trust President and CEO. The event website and registration will launch soon, so watch your email for an announcement and check the GBA website home page for details and a registration link soon. Thank you to our event sponsor, ServisFirst Bank, Correspondent Division. Sponsorships are still available for this event. Contact GBA’s Kathy Friestad with questions about sponsorship or the event.


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Make Plans Today to Attend 2024 Operations & Technology Conference

Join Georgia bank IT and operations professionals in Savannah Feb. 28 - March 1 at The DeSoto, Savannah, hosted annually by GBA’s Operations & Technology Committee under the leadership of Chair, Shan Venable, Altamaha Bank and Trust Company, Vidalia and Vice Chair, Mindy Green, Citizens Community Bank, Hahira. Sessions will include:

  • Fraud Mitigation

  • Succession Planning

  • Leverage Your Next Core Contract Negotiation, David Saylor, Genesys Technology Group, LLC  

  • Phishing Protection Securing Azure AD with Conditional Access Policies, Eric Delgado, Safe Systems

  • Conversational AI and How to Leverage the Prompt

  • Evolving Expectations – The Next Digital Wave, Matt Herren, CSI.

Click here for all the information and to access registration.


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Compliance Alliance Question of The Week


Question: We have a loan that was locked at 7.25% and disclosed on the LE at 7.25%, but mistakenly changed to 7% on the Initial CD and then corrected on the Final CD back to 7.25%. Do we need to honor the 7%, or can we the loan close with 7.25%?


Answer: Assuming that the loan was locked via a rate lock agreement, whether the bank would be required to honor the lower rate on the initial CD may come down to the language in the rate lock agreement. However, regulation does address when rates are mistakenly disclosed, which do not align with the bank's rate, that was locked pursuant to a rate lock agreement. If the agreement does not address this, the bank may want to consider honoring the lower rate to mitigate potential UDAAP and/or contractual risks. Read more about this scenario.


Subscribe to Compliance Alliance's email newsletters for timely compliance updates and resources. Sign up for one of the live Compliance Alliance demos on Tuesday and Thursday afternoons to learn more.

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Save the Date – Registration Opening Soon!

IRA Merry-Go-Round, Feb.6-7, MGSU in Macon

IRA professionals, mark your calendars! GBA’s IRA Merry-Go-Round will be Feb. 6 – Feb. 7, 2024 in Macon at Middle Georgia State University. Facilitated by Loni Porta, Director of Education, Convergent Retirement Plan Solutions, anyone even remotely involved in IRAs will benefit from this intensive two-day seminar. Look for registration details soon. Contact Aimee Corcoran with questions, 404.420.2035.


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Mark Your Calendars!

GBA 2024 Spring Conferences

Mark your calendars to save the date for the following 2024 spring conferences!

  • HR Professionals Institute – March 20 - 22, at The Westin, Jekyll Island.

  • Marketing Conference and Workshop – March 20 - 22, at The Westin, Jekyll Island.

  • Bank Security Conference – April 10 - 12, at The King and Prince Beach & Golf Resort, St. Simons.

Registration will open soon.  With questions, contact Aimee Corcoran, 404.420.2035.


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GBA Partner JMFA

Why DIY Overdraft Programs Fall Flat

Handling overdrafts and NSF remains a supervisory priority. Is your bank’s overdraft program on autopilot? Does it rely solely on the functionality of the bank’s core software? Are you confident that your bank is staying compliant with UDAAP requirements when it comes to handling overdrafts and NSFs? Your core may give you the technical abilities, but it likely misses the mark when it comes to delivering the type of expert guidance, training, monitoring, and customization necessary to offer a consumer-friendly and compliant program. Here are five compelling reasons to consider moving to a managed solution like the one offered by GBA partner JMFA. To learn more visit


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2024 Enrollment Now Open!



Enrollment is Now Open for Georgia Banking School April 28 - May 3

Online enrollment is now available for the 2024 session of the Georgia Banking School, which will be April 28 - May 3 in at the University of Georgia Center for Continuing Education and Hotel in Athens. For more than 60 years, the school has developed generations of Georgia bank leaders who shape the industry in our state. It offers everything you want and expect from an investment in banker education, specifically preparing the next generation of bank leaders, building the pool of management-level talent in your bank, and connecting students to the most knowledgeable industry experts and a community of fellow bankers. The Georgia Banking School Board, led by Darron Burnette of Synovus, has been hard at work reviewing the curriculum and planning next year’s session.


Georgia Banking School Details and Enrollment Access Here


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Registration opening soon for returning students!

GBA Compliance School – Year Two (2024 Session)

Registration will open soon for students returning for year two of GBA’s Compliance School. Focusing on strategic compliance management, students will continue to build their foundation and strengthen their bank’s overall compliance management program. Students who completed year one, Building the Base, will receive an invitation to register. Limited year-two admissions may be available for senior-level Compliance Officers who have not completed the first-year curriculum. Requests by those prospective students must be reviewed and approved by the school board, and should be emailed to Aimee Corcoran.


GBA’s Compliance School will be April 28 – May 3, 2024, at the University of Georgia Center for Continuing Education and Hotel in Athens.  With questions, contact Aimee Corcoran, 404.420.2035.


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Making IT an Asset, HR Basics for Supervisors, Wire Transfers: Staying Compliant and Avoiding Fraud Loss and More

Here’s a sampling of upcoming webinars. 

Want to see the full webinar schedule? Check out our webinar calendar for a full list of upcoming webinars.


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


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.


Save Big in Q4 with GBA Partner BankTalentHQ

Navigating the challenges of talent acquisition and retention is a daily task for banks. Beginning Oct. 1, bank employers can take advantage of 20% off a single 30-day job posting package with GBA partner BankTalentHQ. See the promo offer below for more information. Why post with BankTalentHQ?

  • Tailored Audience: The platform caters specifically to banking professionals, ensuring that your job post reaches the right people.

  • High Visibility: Partnering with 40 state banking associations across the country and the American Bankers Association, BankTalentHQ works collaboratively to promote your postings and attract talent to the industry.

  • Easy-to-use: With its user-friendly platform, posting a job and tracking applicants is easy.

To redeem your savings, visit, create an employer profile, and enter the code SAVE20BTHQ at checkout. Or, if you would like to set up a meeting with a member of the BankTalentHQ team to learn more, please email




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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,, and David Oliver,, or if your company would like to sponsor this content, let us know. Here's our latest installment:


Alpharetta - The First Bank

Throughout the month, bank team members have visited local schools across Georgia, Alabama, Florida, Louisiana and Mississippi to teach teens and young adults how to manage their money and make sound financial decisions early in life through the American Bankers Association's Get Smart About Credit program.


Atlanta - Citizens Trust Bank

Fulton County Schools recently held its Financial Literacy and Career Awareness events. Bank team members had the opportunity to speak to the Banneker High School students and parents about the importance of financial literacy, saving for the future and the educational resources the bank offers.


Lake Oconee - BankSouth

The bank sponsored and participated in the recent Lake Oconee Area Builders Association golf tournament.


Milledgeville - Exchange Bank

Senior Vice President Terry Kennedy volunteered at Lakeview Academy for the annual “Read for the Record” literacy event by reading “With Lots of Love.” Jumpstart’s “Read for the Record” is the world’s largest shared reading experience, which celebrates and supports children’s early language and social-emotional development.


Statesboro - Bulloch First, a Division of The Citizens Bank of Swainsboro

The bank was a silver sponsor of the Statesboro Bulloch Chamber of Commerce's second-annual State of the Region and Business Expo.



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GBA Newsmakers


Augusta - Queensborough National Bank & Trust Company

The bank was voted Augusta's Best Financial Institution in the 2023 edition of Augusta Magazine's Best of Augusta.


Calhoun - North Georgia National Bank

Adam Shull has joined the bank as senior vice president and Chief Credit Officer. Read more here.


Claxton - The Claxton Bank

Southern Bankshares, Inc., the holding company of The Claxton Bank, announced this week that a new investor group led by individuals from Jacksonville, FL, has completed its purchase of a controlling ownership position in the company. Scott Verlander, formerly of EverBank, has joined the company and will serve as its president and CEO. GBA Vice Chairman Philip Williams, who was the company’s president and CEO, will remain with the bank and serve as Georgia banking president. Read more here.


Jesup - PrimeSouth Bank

Dylan Brinkley has joined the bank as a new loan officer joining its Jesup team.


Richmond Hill - Great Oaks Bank

Melissa Rozier has joined the bank as Richmond Hill office manager.


Birmingham, AL - Main Street, Inc.

Main Street, Inc. is hosting a public event on Nov. 9 to unveil a mural named "Steel Magnolias" featuring four famous Alabama women and is enhanced with augmented reality technology. The mural spans 260 feet in width and 20 feet in height on the building occupied by Main Street, Inc. Read more here.



Queensborough National Bank
& Trust Co.
Adam Shull Scott Verlander



Philip Williams Dylan Brinkley Melissa Rozier



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.

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