North Dakota Bankers
Extraordinary Leadership for North Dakota Banks

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Only 25 Days until Convention! Have you registered?

[click here] for the Convention website
[click here] for PDF Convention information and forms


2025 Quad States Convention
June 8-10

Event Location: The Monument, Rapid City SD

Join us in Rapid City as we explore this year’s theme... The Big BANK Theory: Discover More! Like Einstein, we’ll gather to explore, question and analyze the forces shaping the future of banking. This year’s convention is dedicated to the pursuit of knowledge, the spirit of curiosity and the power of discovery – essential elements as we work to drive our industry forward. Just as Hawking pushed boundaries to reveal new insights, we will approach our industry with fresh perspectives and bold ideas. So get ready to question, explore, and learn—and DISCOVER MORE about what’s possible for the future of banking.

Speaker Lineup:

Click here to see the April NDBA Bulletin Convention Speaker Feature!
  • Mike Oster  |  Brigadier General USA, retired - Rapid City SD
  • Lauren Henderson  |  | Stifel - Chigago IL
  • Rob Nichols  |  American Bankers Associaiton - Washington DC
  • Dr. Melissa Furman  |  Career Potential, LLC - August GA
  • Dave Defazio  |  StrategyCorps - Brentwood TN
  • Jack Stahlmann  |  Don't Flinch, LLC - St. Paul MN
 

  

Loan Documentation and Loan Enforcement Seminars

There’s still time to register for NDBA’s Loan Documentation and Loan Enforcement Seminars.

Two Dates and Locations
May 20 – Holiday Inn, Fargo
May 21 – Radisson Hotel, Bismarck
Group discounts available!

Program Highlights

  • Loan Agreements and Promissory notes
  • Mortgages
  • Security agreements
  • Guaranties
  • Financing Statements
  • Subordination and intercreditor agreements
  • Assignments
  • Workout agreements
  • North Dakota legal remedies

Click here for details and to register.


 

Creating a Welcoming, Winning World-class Workplace Webinar

NDBA is proud to partner with Massachusetts Bankers Association to offer this upcoming webinar.

Date: June 4
Time: 9:00-10:00 am CT
Member Price: $285 (Use Code: CWWW25)
Via Zoom
(A recording will be available for 7 days for individuals registered but not attending live.)
 
To register:
Register Here  Use Code: CWWW25
 
About the Webinar
As executive orders and legal challenges reshape the Diversity, Equity, and Inclusion (DEI) landscape, companies are adapting their strategies to remain compliant while maintaining inclusive workplaces. How can organizations integrate DEI principles into broader business operations, ensure employee engagement, and evolve terminology to create a "Welcoming, Winning, World-Class Workplace"?

About the Presenter
Dr. Shirley Davis of SPS Global is an expert in workforce trends and inclusive leadership.

What You Will Learn
  • Navigating Regulatory and Legal Risks - Understanding executive orders, corporate misconceptions, and the legal landscape, as well as guidance from 16 state attorneys general, including those led by Massachusetts AG Andrea Joy Campbell.  
  • Corporate Adaptation Strategies - How companies are renaming DEI programs, integrating inclusion into broader business operations, and maintaining employee engagement.
  • Business Case for Inclusion - Why DEI (even under different names) remains a competitive advantage and the risks of eliminating efforts, including consumer backlash and stakeholder lawsuits.
  • Real-World Examples - How leading organizations are evolving their DEI strategies in response to legal and operational challenges.
  • Interactive Discussion and Polls: Share how your organization is adapting. 
  • Actionable Takeaways: Discover how to integrate inclusion into your business strategy while ensuring compliance and fostering employee engagement.
  • Participate in this critical discussion on evolving workplace inclusion! 
Who Should Attend?
Financial Services Executives, Diversity Officers and Council Members, Human Resource Managers, and anyone responsible for creating a winning workplace culture.
 

   

National School for Experienced Ag Bankers

Registration for the 2025 National School for Experienced Ag Bankers hosted by South Dakota Banker Association is OPEN! 
 
Dates: June 23-26, 2025
Location: Black Hills State University, Spearfish SD
 
Click here for details and to register.
 
Questions? Contact Halley Lee at South Dakota Bankers Association.
P: 605.224.1653
Email: hlee@sdba.com


 

NDBA Effective Leadership Seminar in October

[click here] to register online
[click here] for PDF registration form to save & send


September 30 - October 1, 2025
Event Location: Holiday Inn, Bismarck ND

Leaders need practical tools that work. Effective Leadership trains leaders how to utilize the most effective leadership style in any given situation using the four leadership styles:
Directing | Coaching | Supporting | Delegating

About the Program

Individuals in leadership roles who want to increase their effectiveness – executives, managers at all levels, project managers, team leaders and supervisors – will reap many benefits from this presentation by Mark Stenson. This new generation of leadership training emerged from research and feedback from thousands of managers, and has been proven and tested in the real world.

About Presenter Mark Stenson
 
Mark Stenson is the president of Stenson Management Consulting. Mark has 37 years of experience in the financial services industry and consults with 17 community banks across the country in areas of performance-based compensation, strategic planning and management development. In addition, he speaks at numerous conferences, conventions and schools. Mark is the former President & CEO of First American Trust Company in western Minnesota.
 

Working to Keep You Informed!
Learn To Live Mental Health Program

Access to this benefit is provided to the NDBBT by Blue Cross Blue Shield of North Dakota. Access code is BLUEND.

May Webinars

  • Don’t Let ANTs Ruin Your Lunch: In this 15-minute webinar we’ll share about ANTs (Automatic Negative Thinking Traps). They are so common yet often go unnoticed as they trick us into worrying and create unnecessary stress in our days. You’ll learn a research-based strategy that can help you stop ANTs from ruining your days. 
    Friday, May 16th: 11:30-11:45am CST/12:30-12:45pm EST
     
  • Thriving Through Transition: Simple Menopause Strategies: For many women, menopause is considered a loss. Bodily sensations such as hot flashes and mood swings can be overwhelming and embarrassing. And for some women, there is a sense of sadness as their reproductive capacities come to an end. In this 15-minute webinar, we will share research-supported steps to thrive through this transition in life.  
    Wednesday, May 21st: 12-12:15pm CST/1-1:15pm EST
 

OTHER BANKING NEWS

_____________
 

Agencies Update Host-State Loan-To-Deposit Ratios

The federal banking agencies have issued updated host-state loan-to-deposit ratios that they will use to determine compliance with Section 109 of the Riegle-Neal Interstate Banking and Branching Efficiency Act.
 
Section 109 prohibits banks from establishing or acquiring branches outside their home states primarily for the purpose of deposit production. Congress enacted Section 109 to ensure that interstate branches would not take deposits from a community without helping to meet its credit needs.
 
To read more, visit: https://www.occ.gov/news-issuances/news-releases/2025/nr-ia-2025-45a.pdf
 

CFPB Rescinds Dozens of Guidance Documents

The CFPB is rescinding dozens of guidance documents as part of a directive by President Trump to reduce regulation. The rescinded guidance covers topics such as fair lending, overdraft fees, disclosure policies and consumer information requests to large banks and credit unions.
 
“The CFPB has issued non-binding policy guidance in myriad forms over its history… In many instances, this guidance has adopted interpretations that are inconsistent with the statutory text and impose compliance burdens on regulated parties outside of the strictures of notice-and-comment rulemaking,” CFPB Acting Director Russ Vought said in the order to rescind the guidance.
 
Among the rescinded guidance:

  • A 2023 policy statement on how the CFPB determines abusive acts or practices.
  • A 2022 interpretive rule describing states’ authorities to pursue companies and individuals that violate federal consumer financial protection law.
  • A 2024 circular on whether unlawful or unenforceable terms and conditions in contracts for consumer financial products and services violate the prohibition on deceptive acts or practices in the Consumer Financial Protection Act.
  • A 2024 advisory opinion to remind debt collectors of their obligation to comply with the Fair Debt Collection Practices Act in the collection of medical debt.
  • A 2023 advisory opinion reminding large banks and credit unions to comply “in a timely manner” to customer requests for information about their accounts.
  • Two circulars on the legality of unanticipated overdraft fee assessment practices and “improper” overdraft opt-in practices.

 
To read more, visit: https://public-inspection.federalregister.gov/2025-08286.pdf


President Signs Repeal of CFPB Overdraft Rule

President Trump has signed into law a resolution overturning the CFPB’s limits on overdraft fees. Passed as a Congressional Review Act resolution last month, the resolution means that the CFPB cannot take issue a similar rule in the future.
 
The CFPB overdraft rule — now voided — required banks with at least $10 billion in assets to cap overdraft fees at $5 unless they voluntarily set a cap that covers their actual costs and losses or treat overdraft protection as a loan covered by the Truth in Lending Act. ABA, the Mississippi Bankers Association and others promptly challenged the rule in court.
 
“While we have been confident in the merits of our case, we are pleased to see President Trump and Congress repeal this unlawful rule through CRA,” ABA and the other plaintiffs said in a statement. “President Trump’s signature doesn’t just preserve access to this essential financial lifeline for millions of Americans who need it; it also means our litigation against the CFPB challenging this rule is now moot.”
 


Upcoming Events

 
 
Loan Documentation and
Loan Enforcement Seminars
  May 20, 2025 | Holiday Inn, Fargo
May 21, 2025  |  Radisson Hotel, Bismarck
[CLICK HERE] for more information

Dakota School of Banking   June 1-6, 2025 | Univerity of Jamestown
[CLICK HERE] for more information

Quad-States Convention   June 8-10, 2025 | Rapid City, SD
[CLICK HERE] for more information

National School for
Experienced Bankers
  June 23-26, 2025 | Spearfish, SD
[CLICK HERE] for more information

Fraud Academy   August 12-14, 2025
Virtual and In-person | Lexington KY
[CLICK HERE] for more information

Regional Member Meetings   September 8-11, 2025
Grand Forks, Fargo, Bismarck and Minot
Information to come

Effective Leadership Seminar   Sep 30-Oct 1, 2025 | Holiday Inn, Bismarck
[CLICK HERE] for more information

Ag Credit Conference   October 2-3, 2025
Radisson Hotel, Bismarck
Information to come

NDBA Peer Group Consortium   October 20-21, 2025
ND Heritage Center & National Energy Center of Excellence
[CLICK HERE] for more information on NDBA Peer Groups
     
 

Nominate a "Banker You Should Know"!

Have you seen the April Bulletin article featuring "Banker You Should Know" Jodi Jelinek from Citizens State Bank of Lankin, Park River?

[Click here] to read her story!


Is there someone at your organization that you think we need to know? Nominate them to be featured in NDBA's new Bulletin article series, "Bankers You Should Know."

From front-line bankers to management, there are so many hidden gems in our banking community. These bankers demonstrate exceptional dedication and initiative, consistently exceed expectations in their role, give back to their community, or always go the extra mile to support their team and the organization. Nominate a banker today!

Fill out the online nomination form. You will be notified if your nominee is chosen and in which Bulletin issue they will appear. 

"Next to excellence is the appreciation of it."
 


  

Hacker Hour: Cyber Insurance - Encrypting Data In Transit

Date: May 28
Time: 2:00 - 3:00 PM CT
Cost: Free
Guest: Karl Falk, Founder & CEO - BOTDOC

Protecting data while it is being transferred over the internet, private networks, and storage devices is crucial, as it is most vulnerable to interception and unauthorized access. Join us as we discuss the challenges of implementing a program to encrypt data in transit.

Register Now | click here

The Hacker Hour webinar series provides an interactive and engaging cybersecurity training experience - completely free of charge. We encourage attendees to actively participate in the conversation, ask questions, share ideas, and suggest topics. Additionally, we offer a range of products and services to help alleviate any stress or concerns related to specific cybersecurity issues your organization may be facing.
 


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