THURSDAY, SEPTEMBER 11TH

7:00am Convention Registration

6:45am Coffee with Exhibitors

7:15am Breakfast

7:45am – 8:45am Remaining Independent (When No One Else Is), Philip Smith

Community banks can remain independent!  However, independence is not a condition you have, but an action you take.  In this entertaining and upbeat presentation, we will discuss the steps successful banks take to maintain their independence, present a new outlook for successful community banks, and ask you to think critically about what changes your organization should consider to promote shareholder value for the long term.

15-minute break

9:00am -9:45 am Stablecoins: A Community Bank Briefing, Amy Ledig

This briefing will provide an overview of stablecoins, as well as an update on the GENIUS Act and other developments in the digital assets landscape. In this session, you will learn what stablecoins are as well as possible use cases for community banks. Additionally, you will learn how the GENIUS Act and other legislative and policy developments are shaping the regulatory perimeter.

10:15-11:00am Breakout Session

1.    Don’t Be the Next Biggest Loser. ATM Jackpotting for Banks, Sean Querry

During this session, we will discuss the history of ATM Jackpotting attacks and the different methods of Jackpotting attacks. Attendees will also learn how to detect when and what type of attack occurred, and how to prevent your financial institution from becoming the next Biggest Loser.

2.    OMG. Am I a Leader?, Tom Miller

In Community banks across the country, new leaders are emerging into roles that will shape the future of their institution.  So, what are the traits and qualities that make good leaders?  How can leaders who are new to their role grow and get better at the job?  If you’re a current leader at the bank how can you help encourage the traits and behaviors that will grow strong leadership skills? If you’re a team of one, leading a small but mighty staff or a new leader that’s one part of large and complex organization this session will help set you on a path to cultivating effective leaders and amazing teams.

11:15am – 12:00pm Breakout Session

1. Leveraging technology in credit decisioning, Christopher Capecelatro

To meet applicant expectations for a fast, digital experience, we must strategically integrate risk models, technology platforms, and human expertise. The focus is on scaling efficiently while tailoring strategies to different borrower segments, leveraging AI thoughtfully, and enhancing model outputs with human judgment to optimize credit quality.

2. Artificial Intelligence-Powered Fraud, Austin Cauley

This course examines the growing threat of fraud facilitated and amplified by artificial intelligence. Students will learn how AI is being used to create sophisticated phishing attacks, generate deepfake identities for synthetic fraud, and automate account takeover schemes. The class will also explore how AI can be leveraged for fraud detection and prevention, including machine learning algorithms and behavioral biometrics. Ethical considerations and the ongoing arms race between AI-powered fraud and defense mechanisms will be discussed. Participants will gain insights into understanding, identifying, and mitigating these advanced fraudulent activities

Lunch (12:40) (Doors at 12:30)

1:00pm – 2:15pm

Oklahoma State Banking Department Update, Mick Thompson

ICBA Update, Lucas White, ICBA Immediate Past Chairman; President, The Fountain Trust Company, Covington, IN

2:15pm Annual Meeting

3:00pm- 3:45pm: Breakout Session

1.     It's Not Personal, It's Just Healthcare - Jay Kempton and G. Keith Smith, M.D.

"It's Not Personal, It's Just Healthcare" is a compelling and disruptive documentary film that delves into the disfunction of the current healthcare system and how executives and business leaders are positioned to demand meaningful change for their companies. As the Advantage Health Plans Trust Breakout Session, this film takes a closer look at the challenges facing the healthcare system today. Through a series of in-depth interviews, personal stories, and expert analyses, the film highlights systemic inefficiencies, financial strains, and ethical dilemmas. It presents real-life scenarios and expert insights, encouraging a reevaluation of current practices and describes the consequences of maintaining the status quo of employee healthcare.

2.    Fueling Business Growth: How Bankers Can Leverage Incentives to Empower Customers – Jeremy Stoner

In today’s competitive economic landscape, business owners are seeking more than just deposits and loans — they’re looking for strategic partners who can guide them toward sustainable growth. This presentation equips bankers with the knowledge and tools to identify, understand, and promote state business incentives that can help their clients thrive. You’ll learn how to become a trusted advisor by connecting customers to valuable resources. We’ll explore case studies, walk through incentive eligibility, and provide actionable strategies for incorporating incentive conversations into your client relationships.

5:00pm- Gala Celebration
This exciting evening will consist of a cocktail reception, celebration of leadership and dinner. Make sure you don’t miss this evening of fun! It is a great way to enjoy yourself, see old friends and make some new, and celebrate the people who have made CBAO a true success. We are also very excited to have the singer songwriters perform at this year’s Gala. This is a unique opportunity to hear the stories behind how some of the most beloved songs came to fruition and sung by country legends. This years singer songwrtiers:

• Terry McBride  - Used to be the lead singer in McBride & The Ride and has been the writer on most Brooks & Dunn hits!
  • Play Something Country - Brooks & Dunn
  • If You See Him - Reba McIntire (also, If You See Her - Brooks & Dunn)
  • Proud of the House; Cowgirl’s Don’t Cry - Brooks & Dunn… the list goes on and on!
• Shawn Camp -  has songs recorded by Guy Clark, Willie Nelson, Blake Shelton, Garth Brooks, etc
  • Two Pina Coladas - Garth Brooks
  • Would You Go With Me - Josh Turner
  • How Long Gone - Brooks & Dunn
• Brice Long -  has songs recorded by Garth Brooks, George Strait, Chris Stapleton, etc
  • Heartache on the Dance Floor - Jon Pardi
  • Nothing on but the Radio - Gary Allan
  • Like a Cowboy - Randy Houser