Feb. 2, 2024  

Legislature Loses Key Leader

The Georgia General Assembly was in session Monday through Thursday this week. The House was rocked with the sad news Tuesday that Rules Committee Chairman Richard Smith (R-Columbus) had died from complications related to the flu. We’ll have more information in this week’s Legislative Update about Chairman Smith's impactful role during his 20 years of service. Committees have been hard at work perfecting legislation before it’s scheduled for a floor vote. The Georgia Department of Banking and Finance annual housekeeping bill has been reported out of committee, and we expect the House to vote on it soon. With questions, contact Elizabeth Chandler, 404.420.2027.

 

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Regulatory Proposals of Note

There have been a couple of regulatory proposals getting industry headlines in the past week or so:

  • OCC on Bank Mergers: The agency issued a proposed rule and policy statement with the intent on improving the process for and transparency about approval of bank merger applications. We appreciate the goal of an efficient, transparent process, but a couple of concerns stand out after a quick scan as we begin thinking about a comment letter. We’ll want to emphasize the importance of making sure each application stands on its own and is evaluated for its specific circumstances rather than generalized categories set for various review principles, and there should not be arbitrary asset-size thresholds applied for various approaches. We are studying the proposals in depth for possible comment. Please let us know if you have things to include.

 

With questions, contact Joe Brannen, 404.420.2026, Elizabeth Chandler, 404.420.2027, or Bo Brannen, 404.420.2014.

 

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A Quick View of the BSA Summit

A big group of bank BSA pros have been together this week for a heavy dose of all of the latest BSA/AML/CFT intel needed protect their banks and customers. The annual BSA Summit included a special BSA boot camp, an update on check and cyber fraud trends, CTR details, AML system validations, an overview of enforcement actions, banking money service businesses and much more. Participants also earned valuable CAFP, CRCM and CERP credits.

 

Here's what attendee Carolyn Funderburg, BSA/AML compliance officer, First IC Bank, had to say about the experience:

“I have thoroughly enjoyed the summit and found the speakers to be very knowledgeable and informative.  They covered subjects that were pertinent to me. Kristin was an excellent leader. She made sure our questions were answered and was receptive to our feedback. I will definitely come back again next year.”

A big thanks to our leader for the school, Kristen Stogniew, Esq., CFE, of Saltmarsh, Cleaveland & Gund for organizing the program and facilitating the sessions. Thanks also to our silver sponsor, Mauldin & Jenkins. With questions, contact Aimee Corcoran.

 

 

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Volunteer with GBA and Make a Difference

Did you know that more than 300 members serve on one of our 24 committees or boards and shape the industry policy priorities, educational programs and other resources provided by GBA?  If you or a banker you know would be a good fit to carry on that tradition, now’s the time for committee volunteer nominations.

  • Why volunteer? Gain valuable experience, network with peers, and give back to the community. Volunteer opportunities offer much more than they ask.

 

  • When? We're seeking volunteers for the 2024-25 program year starting in July.

 

 

Questions? Contact David Oliver or request a connection with a current committee/board member. Don't miss this chance to contribute, learn, and connect!

 

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Paragon Benefits Board Meets

The member bankers serving on the Paragon Benefits Board of Directors had their quarterly meeting Feb. 1 by video conference. Paragon Benefits is the wholly owned subsidiary of GBA Insurance Trust, and the company provides full-service healthcare claims processing, payment, dispute resolution and more for the banks and banker families served by the GBA Insurance Trust programs. The board, led by Chairman Jackson McConnell, Pinnacle Bank, went through its regular review and governance duties related to operations, customer service and budget updates. “Providing top notch customer service to the GBA membership is a priority for the Paragon leadership and our entire team, and quarterly Board meetings provide us with an opportunity to evaluate the many interconnected, critical functions that go into delivering results for GBA Insurance Trust participants,” said Tripp Cofield, president and CEO of GBA Insurance Trust. “The banker-led board is highly engaged in making sure the organization remains focused on our core mission of serving our bankers and their families.”

 

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Leader Updates

Swing States, Ag Lending Resources and Inflation Fighting

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

  • Political Musings: We shared some of the slides and analysis from John Ashford, the political expert who spoke at the Legislative and Economic Forum for us. The slides noted the likely pathways to victory for the current presidential front runners and the narrow margins in swing states that independent voters will likely decide.

 

  • Ag Lending Resource: We’re grateful to Amanda Smith of the UGA College of Agricultural & Environmental Sciences Department of Agricultural & Applied Economics for allowing us to share their useful tool to help growers and lenders predict returns for various crops.

 

  • Inflation and Rates: The Bureau of Economic Affairs released a nice report last week showing the Personal Consumption Expenditures price index, with food and fuel stripped out, was below 3% for the first time in a couple of years. Our thanks to John Ashford for including a question GBA posed as part of a poll his firm did with the Cygnal organization asking respondent’s views of interest rates and inflation. Here’s what they said:

 

 

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

 

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Sporting Clays Tournament Reaches Capacity

We’re so excited that our annual Georgia BankPAC Sporting Clays Tournament is full! More than 90 of you have signed up to show your support and shoot next Thursday, Feb. 8 at Old Hudson Plantation. Another huge and hearty thanks to our event sponsors: Banc Card of America; Bank of Madison; Cash Transactions LLC “CashTrans”; Citizens Bank of Americus; CSRA Business Lending; Durden Banking Company; Farmers and Merchants Bank; Fenimore Harrison Kay; FHLBank Atlanta; First Bank of Pike; First Carolina Bank; First National Bank; First State Bank; Mauldin & Jenkins, LLC; Northeast Georgia Bank; Peach State Bank & Trust; Pinnacle Bank; Point to Point Environmental; Safe Systems; and Steve H. Powell & Company. We may have a last-minute cancellation, so contact GBA’s Kathy Friestad to be waitlisted for a spot. If you’re a golfer and enjoy supporting the GBA State BankPAC, block your calendar for the Georgia BankPAC Golf Classic, Oct. 16 in Forsyth!

 

* 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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Member Banks and Associate Members Save up to 35%

New Privacy Resource: GBA Endorses Shred-it for Document, Hard Drive & Media Destruction and Community Shred Days

The GBA is pleased to announce its endorsement of Shred-it for their information destruction services. As a leader in information security, Shred-it offers an integrated suite of services designed to protect bank’s sensitive information. With Shred-it secure document destruction, all documents are destroyed and recycled, safely and securely, either onsite or offsite. Shred-it media destruction services destroy a wide range of digital and electronic media such as hard-drives, magnetic backup tapes, DVDs and USBs. Exclusive Benefits for GBA members and Associate Members include:

  • 30% discount on document destruction

  • 30% discount on hard-drive and media destruction

  • 35% discount for Community Shred Days

  • Dedicated customer care contact, national accounts billing specialist and local operational support

  • On-site mobile shredding services available throughout the contiguous U.S.

  • Secure, locked containers in your branch and offices with free keys for ease of retrieval

  • State-of-the-art guaranteed chain of custody at every touchpoint

  • Customer portal to request service information and reports

  • Certificate of destruction with each service – your proof of compliance

See the complete list of benefits. To setup or inquire about Shred-it service, please fill out the contact form.

 

IMPORTANT NOTE: If you are already a Shred-it customer and would like to access the GBA’s discounts you may request to join this program after your current contract has passed 50% of its term. Simply contact sitretgpochange@stericycle.com with your account information and request to join the GBA program. Contact GBA’s Bo Brannen with questions at bbrannen@gabankers.com.

 

 

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GBA’s Online Bank Record Retention Guide Can Help You Declutter Old Records

We're proud to offer members the Online Guide to Bank Record Retention, featuring Bank Record Retention Quick Notes©, by Carl Pry. It is designed to be a fast and easy-to-use reference for the most common types of customer records questions in a completely online format. Please note we do not have printed copies available for purchase. This guide is intended to help develop a simple, yet complete and understandable record retention program for your bank.

 

The Quick Notes© refer to federal or general industry practices in six broad topic areas: General; Deposits and Operations; Loans; Securities; Human Resources; and Tax. They also contain the available requirements of FinCEN, CFPB, OCC, NACHA, IRS, SEC, FDIC, FRB and other relevant state agencies. We hope that you will find this to be a valuable resource to help your bank. Please contact GBA’s Bo Brannen at bbrannen@gabankers.com, to place an order.

 

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Patrice Konarik

Last Call! A Word from Patrice

IRA Merry-Go-Round In-Person Training, Feb. 6-7, Macon, MGSU

Facilitated by Loni Porta, director of education, Convergent Retirement Plan Solutions, anyone even remotely involved in IRAs will benefit from this intensive in-person training. Porta comes highly recommended as an in-person instructor by Patrice Konarik, who is no longer doing in-person IRA training. Here is what Patrice has to say about Loni Porta.

Hello, my fellow IRA banker friends in Georgia. My name is Patrice Konarik of Sunwest Training Corp. You may remember me from my 28 years of providing live IRA training seminars in Georgia through the Georgia Bankers Association. As many of you may know, I sold the live training part of my business to my friends and associates at Convergent RPS last year. I had several companies who were interested in purchasing my company, but I wanted to hand it off to an organization who would maintain the high quality of IRA training I have provided over the years.

 

I have had a wonderful partnership with Convergent RPS for the last 8 years marketing their IRAstuff.com web portal and consulting services. They were always my support system when I had an IRA question. Loni Porta, who is scheduled to provide the training in Georgia this year is very much an IRA expert. We became fast friends when we met last year because of our similar philosophies on presenting complicated IRA material in a way that can be understood. I am very excited you will get to meet her this year. I’m looking forward to hearing how much you enjoy her training style like bankers in the other states have mentioned to me. Have a great class and Happy New Year.

Get details and register here.

 

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Deadlines Coming up!

Ops/Tech Conference, Feb. 28 - March 1, Savannah

Hotel rooms are still available at the DeSoto in Savannah, where the GBA Operations & Technology Conference will take place Feb. 28 - March 1. Reserve by Feb. 6, for discounted room block rates, and early bird registration pricing for the conference ends Feb. 13. Click here to take a look at the full agenda. This conference is hosted annually by GBA’s Operations & Technology Committee under the leadership of Chair Shan Venable, Altamaha Bank and Trust Company, and Vice Chair Mindy Green, Citizens Community Bank. Click here to access the event website with everything you need to know.

 

Thank you to our generous Associate Members who are supporting this conference through sponsorship.

  • Platinum Sponsor: Liberty Technology

  • Gold Sponsor: Wolf & Company, P.C.

  • Silver Sponsors: Ncontracts, SQN Banking Systems.

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Free Webinar with GBA Partner Advantage/JMFA, Feb. 21 @ 3 p.m. EST

Overdraft Overhaul: Insights into the CFPB’s Game-Changing Proposal

On Jan. 17, the CFPB published its proposed overdraft rule. While the proposed rule currently exempts financial institutions under $10B in assets, it will inevitably reshape overdraft practices for all banks big and small. The CFPB has indicated that it will monitor the market response for all overdraft programs and is prepared to include community banks and other financial institutions. Join Cheryl Lawson from GBA partner Advantage/JMFA on Feb. 21, for an in-depth discussion on the proposed rule and how it may impact your bank. Key takeaways will be:

  • Contributing factors leading up to CFPB taking its current position

  • Clarity on how this proposal may impact community banks

  • Actionable steps you can take to evaluate your overdraft strategy proactively.

Register today to stay on top of potential shifts in the overdraft landscape. Visit www.advantage-fi.com to learn more.

 

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Shannon Fortson

Two Lending and Underwriting Seminars Coming Up

Pinnacle Bank EVP and Chief Credit Officer Shannon Fortson will teach two in-depth seminars for lenders and underwriters March 5-6 at Middle Georgia State University in Macon. See details below and don't wait to register!

 

Personal Cash Flow Analysis Seminar - Gain a comprehensive understanding of how to analyze personal cash flow and personal tax returns with this seminar. Our training will assist bankers who originate consumer loans, as well as commercial bankers and underwriters who want to get a clear picture of a guarantor's cash flow. By combining lecture and casework, participants will learn how to calculate sources and uses of personal cash flow and any remaining cash flow to support additional debt. The training will also help identify the availability of excess personal cash flow that could be available to provide additional support to related borrowing requests. Click here for details and to register.

 

Loan Documentation Seminar - Prevention of loan losses through the implementation of proper loan structuring and documentation techniques is the objective of this seminar. Topics include:

  • The purpose of documentation and the 10 most common problems

  • Identifying the borrower: Using the correct name, identifying the legal entity, who is authorized to represent the legal entity, verify the information, is the entity legally permitted to conduct business?

  • Identifying the collateral: Who owns it, where is it located, what is its value, does the borrower have a legal right to pledge it?

  • Evidencing the debt: Create a mutual understanding of the loan, how much money will be borrowed, how and when will it be repaid, what happens if the client defaults?

  • Attaching and perfecting the collateral: Generate security interest in collateral, public notification of the security interest.

  • Real estate specifics: Basics of documentation, FDICIA, appraisal review checklist, importance of flood certificates, notices and disclosures.

  • Residential construction lending: Builder’s application, construction loan agreement, disbursement election form, owner’s affidavit, draw/inspection sheet.

  • Guarantees: Personal, corporate, guarantor defenses.

Click here for details and to register.

 

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Peter Faser

Sign Up for Business Cash Flow Analysis Seminar March 7

Join Peter Faser, a faculty member of the Georgia Banking School, for an introduction and practical approach to business cash flow analysis at the Business Cash Flow Analysis Seminar March 7 at Middle Georgia State University, Macon. This program is designed for small business lenders, commercial lenders, and credit analysts/underwriters. This seminar will help 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. Through a combination of lecture and casework, participants will learn how to:

  • Identify positive and negative trends on the balance sheet

  • Determine if a potential borrower has sufficient capacity to repay your loan

  • Understand the cash flow and operating cycles of different businesses

  • Four-step process of how to approach your analysis

  • Identify what information is necessary to conduct sufficient analysis

  • Types of loan structures/request

  • Inventory valuation risk and methodology

Click here for details and to register.

 

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New Lenders: Convenient Training

Commercial Lending Training – Webinars

 

Breaking into Banking 101 – Fundamentals of Commercial Banking, Thursday, Feb. 22

Commercial banking can be intimidating because of its complexity and the risk-oriented nature of the work. This course is a clear and thorough introduction to the key concepts, terminology, and processes involved in credit and lending. It doesn’t assume much prior knowledge of the topic, so it’s ideal for those in their first year in the industry. Learners will walk away with a clear understanding of their job and how their specific role fits into the bank’s overall profitability goals. Click here to register.

 

Breaking into Banking 201 – Analyzing Repayment Sources, Wednesday, March 27

This 9-module online course is a “sequel” to the 101 course and is best taken after completion of that course, though it is not a prerequisite. The 201 course includes a case study and dives deeper into topics covered in modules 4, 6, and 8 of the 101 course: analyzing a borrower’s balance sheet, income statement, collateral, and risk ratings. Click here to register.

 

Both are presented by Andy Keusal, Keusal Learning. These online courses will be held by Zoom from 9:30 a.m.-5 p.m. EDT. The recording will be available to registered participants for one month after the live training. Here's an intro to the courses from the instructor:

 

 

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Marketing Conference and The Power of Video Workshop, Jekyll Island, March 20-22, 2024

Get the scoop on the latest bright ideas for marketing your bank and its products and services. Planned by GBA’s Marketing Committee, Haley Barnes, BankSouth Mortgage, chair, the GBA Marketing Conference has two components:

 

1. The Power of Video Workshop

  • Unleash the potential of social media with Ken Fehner, owner of The Social Gloo.

  • Craft compelling videos, master storytelling, and elevate your bank's online presence.

  • Practical hands-on guidance to create videos aligning with your bank's unique identity.

2. Traditional Conference. Highlights include:

  • Mastering Analytics for Smarter Digital Marketing with Hunter Young of the HIFI Agency

  • Leveraging LinkedIn for Marketing Success with Amber Farley of Financial Marketing Solutions

  • AI Demonstrations

  • Extended Peer Sharing Opportunities

Attendees have the option to register for both workshop and conference, conference only or workshop only. Get all the details and register here.

 

Ken Fehner Hunter Young Amber Farley

 

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New Year, New Goals!

HR Professionals Institute, Jekyll Island, March 20-22

Planned by GBA’s Human Resources Committee, Lance Whitley, Colony Bank, chair, this is the premier in-person learning experience for Georgia bank human resources professionals. Make it a goal to attend, and register today! Highlights include:

  • Communication, Tonya Parker, Georgia Tech

  • Embracing Change, Lon Langston, Engaged Banker Experience

  • Recruitment and Retention, Shonda Sammons, Advocate Builders

  • Legal Update, Jason Willcox, Moore Clarke DuVall & Rodgers, P.C.

  • Mental Health De-Escalation, Sergeant Eric Rooks, Gwinnett PD

Get all the details and register here. Thank you to our sponsors! Platinum: Engaged Banker Experience. Silver: Yarmouth & Choate.

 

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

Planned by GBA’s Security Committee, Melissa Dasher, SouthState Bank, chair, the conference agenda is shaping up to deliver the latest insights, trends, and tools needed for bank security professionals to excel in their careers. Registration includes a policies and procedures workshop, sessions on bank security technology and equipment, artificial intelligence, fraud, mental health and more. Secure your spot today!

 

Get all the details and register here.

 

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Excitement is Growing!

Georgia Banking School – 2024

There is still time to register for the 2024 session of Georgia Banking School. Save $130 on tuition through March 1!

 

 

 

Georgia Banking School Details and Enrollment Access Here

 

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GBA Compliance School – First- and Second-Year Tracks Available

GBA’s Compliance School Board has been hard at work bringing an additional opportunity for bankers looking to grow in their career. Whether you are new to banking or need to brush up on recent regulatory changes, this school will equip you for what’s next. For the first time ever, Year 1 and Year 2 of Compliance School will both be offered in 2024! Compliance officers as well as anyone who has compliance responsibilities, including department managers, will benefit from the school. Enroll today for career growth, personal growth, and an added value to your institution. Get the details and register here.

 

GBA’s Compliance School will be April 28 - May 3 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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Registration Now Open!

GBA 2024 Rural Development and Lending Conference

Registration is now open for the GBA 2024 Rural Development and Lending Conference May 16-17 at the King and Prince Beach & Golf Resort, St Simons Island. Planned by GBA’s Agriculture Committee, Matt Rushton, AB&T, chair, and Jake Cleghorn, Atlamaha Bank & Trust Company, vice chair, the conference agenda will help bankers sharpen their skills, share the latest intel and make essential connections helpful in serving their communities. Content includes:

  • Deferred Tax Liability

  • Crop Insurance Update

  • GA Fruit and Vegetable Industry Update

  • Economic Update

  • and more!

Secure your spot today! Get all the details and register here.

 

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Compliance Alliance Question of The Week

 

Question: When are cash-out refinancings reported for HMDA purposes instead of refinancing?

 

Answer: A financial institution reports a covered loan or an application as a cash-out refinancing if it meets the HMDA definition of a "refinancing," and the financial institution considers it to be a cash-out refinancing when processing the Application or setting loan terms. If a financial institution does not distinguish between a cash-out refinancing and a refinancing under its own guidelines, sets the terms of all refinancings without regard to the amount of cash received by the borrower at loan closing or account opening, and does not offer loan products under investor guidelines, it reports all refinancings as refinancings. See: 2023 Guide to Getting It Right (ffiec.gov) (p. 158).

 

Subscribe to Compliance Alliance's email newsletters for timely compliance updates and resources.

 

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American Heart Month Tips from GBAIT Wellness Partner

February is American Heart Month! Unlock your health potential by working with an advisor from GBA Insurance Trust wellness partner SentryHealth to improve your blood pressure. They'll provide personalized strategies, support, and education to help you make sustainable lifestyle changes. By working together, you can develop a plan that aligns with your goals, making positive impacts on your blood pressure and overall wellbeing. All services are available at no charge to member bankers covered by the GBA Insurance Trust. Contact Lee Monroe and Jayn Lawson for information. If you are an employee of a participating member company and are ready to do something good for your health today, schedule a free appointment at mysentryhealth.com or on the MySentryHealth app, available on the App Store or Google Play.

 

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Webinars – Great for Fundamentals Training

Regulation CC for Tellers, Lending Compliance Update, The Four Cs of Exceptional Supervision 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.

 

 

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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, kprokos@gabankers.com, and David Oliver, doliver@gabankers.com, or if your company would like to s6onsor this content, let us know. Here's our latest installment:

 

Blairsville - River City Bank

Blairsville Market President Scott Nanney recently presented a sponsorship check to Will Harkins, a local professional fisherman and owner of Get Fishing Guide.

 

Perry - SunMark Community Bank

The bank recently donated $5,000 to Perry Players, a local theater company.

 

Valdosta - Citizens Community Bank

The bank sponsored the 20th-annual Valdosta-Lowndes County Chamber of Commerce Business Outlook Breakfast on Jan. 26.

 

 

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GBA Newsmakers

 

Athens - BankSouth

Jenny Terrell has joined the bank as the new vice president, producing production manager and loan officer at its Athens branch. Read more here.

 

Atlanta - Hyperion Bank

Bank Chairman and CEO Charlie Crawford was recently selected to the Titan 100 Hall of Fame and named one of the 2024 Georgia Titan 100, recognizing the state’s Top 100 CEOs and C-level executives.

 

Atlanta - Synovus Bank

Business leaders Sara Beth Brown Prendeville and Dan Bara have been appointed to the bank’s Atlanta advisory board. Prendeville is the president of Brown & Company Jewelers, and Bara is the chief operating officer of Pope & Land Enterprises. Read more here.

 

Bainbridge - First Port City Bank

Branch Manager Kayla Williams was recently featured in The Post-Searchlight’s 2024 Women to Watch Magazine.

 

Fitzgerald - Colony Bank

Treasury Solutions Advisor Lead Barry Blevins talks about the increase in check fraud and how consumers can protect their money in Georgia CEO. Watch the video here. Larry Finch has joined the Colony Insurance team as a licensed life specialist.

 

Gainesville - Peach State Bank & Trust

Yasser Naal has joined the bank as a vice president.

 

Greensboro - BankSouth

Angie Lewis has joined the bank as Chief Banking Officer. Read more here.

 

Lawrenceville - Embassy National Bank

Jamazha Maddox has joined the bank’s retail department as a universal banker.

 

Pembroke - First Bank of Coastal Georgia

Garrett Darsey was recently promoted to president and CEO. Chris Martin was recently promoted to executive vice president. Read more here.

 

Ringgold - FirstBank

North Georgia Market President Rick Partain retired on Jan. 31 after almost 30 years in the North Georgia market. Kevin Brunson has assumed the role of North Georgia market president.

 

Soperton - Georgia First Bank

Our sympathies to the family, friends and colleagues of bank director and past chairman Richard Dennard, who died this week. Read more here.

 

Thomasville - TC Federal Bank

Sarah Joyner has been promoted to assistant vice president, deposit operations/call center manager.

 

Watkinsville - Oconee State Bank

Mark Niethammer recently joined the bank as vice president in its SBA division. Read more here.

 

Washington - American Bankers Association

Joanna Girardin Shapiro has been named Chief Member Engagement Officer. Read more here.

 

 

Jenny Terrell Sara Beth Brown
Prendeville
Dan Bara Kayla Williams Larry Finch Yasser Naal

 

Angie Lewis Jamazha Maddox Garrett Dorsey Kevin Brunson Sarah Joyner Mark Niethammer

 

 

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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