North Dakota Bankers
Extraordinary Leadership for North Dakota Banks

NDBA E-News

Registration Open: 2025 NDBA Ag Credit Conference

Dates: October 2 & 3.
Optional events October 1.
 
Location: Radisson Hotel, Bismarck
In Person and Virtual Options

NDBA Member Price:
$385 when you register by September 15.

Registration: click here for Ag Conference website

Highlights:  
Agriculture and Agricultural Lending Dr. David Kohl
The Future is NOW Steve Maulberger
How Young Voices in Agriculture are Growing Impact and Income Emma Seamons
The High-Performance Mindset Cindra Kamphoff
Ag Profitability in Uncertain Times Jason Henderson
Keynote: Working with People You Disagree With Dallin Cooper
 
Plus… breakout sessions and three optional pre-conference events to choose from including golf, trapshooting and ag tour.
 
Special thanks to conference sponsors:
Bank of North Dakota, Farmer Mac, Farmers National Company, North Dakota Mediation Service, Peoples Company and Zimney Foster P.C.
 

We're Less Than 2 Weeks Away... Register Now!

Four Locations to Choose From!

September 8 | Grand Forks - UND Gorecki Alumni Center
September 9 | Fargo - Holiday Inn
September 10 | Bismarck - Sixteen03 Main Events
September 11 | Bottineau - Annie’s House | New location for 2025!

[click here] for event website

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Featured Speaker:
JOE FINGERHUT

JOE FINGERHUT - THE "HOW CAN I?" MINDSET SPECIALIST

Joe Fingerhut helps people and organizations unlock potential and possibility with the shift in mindset from “I Can’t” to “HOW CAN I?

As an award-winning speaker, DJ, magician, and juggler, Joe energizes audiences with a one-of-a-kind, must-see experience. He has spent three decades leading and training people and organizations to a higher level. With endless stories and lessons that apply to organizations, professionals, and student leaders, Joe inspires audiences across the globe.

Joe’s program will ignite energy and potential...  carrying over to everyday life and work experience. These tools to help overcome adversity and apathy lead to more productive, positive people and teams that get results and support each other.

 


State Bank Performance Report Available to NDBA Members

The Bank Performance Report is a state-specific quarterly reporting service that ranks key indicators of banking performance. Utilizing data from the quarterly FFIEC Call Reports, the BPR ranks overall bank performance across eight different categories – Net Interest, Non-Interest Income, Non-Interest Expense, Efficiency, NPA’s/Equity & Reserve, Asset Quality Index, Return on Assets and Return on Equity.   

Report: Banks of ND Q2 2025 | click here
Complete a Purchase Order Request to begin a subscription.

The BPR serves multiple uses, including Strategic Profit Planning, Setting Performance Incentives/Goals, Board Reporting, Competition Analysis, Trends in the Market, to name a few.

Utilize the BPR companion Excel eReports to sort down to your market or peer group and the PDF to easily share the report with others on your team. Need help or more data? Require assistance in backfilling trend lines? Contact us for more information about custom reporting and historical data.

Please visit www.bankperformancereport.com for more information about BPR, including how to order and to see our Top 10 lists for each state.

For modification or cancellations, send email to info@bankperformancereport.com.

 

SAVE THE DATE! 2025 NDBA Peer Group Consortium

October 20-21 | Bismarck

For more information on NDBA Peer Groups, [click here]
Registration will be available early September.

Monday, October 20

1:00 - 4:30 pm  |   NDBA Fraud Forum
Bank of North Dakota

5:30 - 7:30 pm   |   Welcome Reception
Laughing Sun Brewing Co.

Tuesday, October 21 | 8:30 am - 4:00 pm
National Energy Center of Excellence | Bismarck State College Campus

On Tuesday, these peer groups will meet at the National Energy Center of Excellence, Bismarck State College: Audit, Chief Financial Officer, Collateral Valuation, Communication and Marketing, Compliance, Enterprise Risk Management, Front Line Operations, Human Resources, and Information Technology.

There is no cost to attend. The Consortium is made possible by generous sponsors supporting North Dakota's banks.
 

Save the Date: NDBA Bank Compliance School

Date: October 20-23
Location: National Energy Center of Excellence, Bismarck ND and Virtual Options

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

About the Program

The 2023 Bank Compliance School is offered by NDBA in partnership with Compliance Alliance.

Module 1: Deposit Compliance – October 20 & 21

  • Reg D                           
  • BSA/AML Overview
  • Reg CC                         
  • CTR & SAR Filing Essentials
  • Privacy & Reg P        
  • FDIC Signage Rules
  • HSA/IRA Accounts  
  • Reg E & Unauthorized Transactions
  • Hot Topics/ Compliance Peer Group Meeting

Module 2: Lending Compliance – October 22 & 23

  • Building a CMS         
  • Third Party Risk Management
  • Reg O
  • Flood
  • FCRA & Reg V
  • Mortgage Servicing
  • Appraisals
  • Reg B: Adverse Actions
  • HMDA
  • LO Compensation & SAFE Act

Who should attend?

Compliance officers, internal audit staff and any employee who assists with compliance management.


Appraisal and Evaluation Compliance Update Workshop

Presented: Wisconsin Bankers Association
In Partnership with: North Dakota Bankers Association


To Register: $245/ livestream attendee
Overview - Appraisal and Evaluation Compliance Update Workshop

Essential Training for Risk Management and Real Estate Lending Professionals

Join us for the 2025 Appraisal and Evaluation Compliance Seminar, a must-attend event for any banker involved in the appraisal or evaluation process. Whether you’re managing or reviewing appraisals, ordering evaluations, or overseeing real estate lending risk, this seminar will help you stay compliant and informed.

What You’ll Learn:

  • Regulatory Updates
  • Policy and Procedures
  • Hot Topics:
    • Reconsideration of Value: What’s the current status?
    • Bias in the Appraisal Process: Identifying and mitigating risk.
    • Secondary Market Changes: Understand new forms, updated terminology, and more.
    • The Use of AI in Appraisal Development: Trends, risks, and opportunities.
  • Examiner Insights

This workshop lays a critical foundation for managing appraisal and evaluation compliance risk in today’s changing environment.


Combating Elder Fraud Together - Roundtable Discussions

When older adults are victimized by fraud, the impact is often financially catastrophic, and it comes with deep emotional and health impacts, as well. Local, state, and federal law enforcement play a critical role in combating these crimes and pursuing justice for victims. Unfortunately, limited resources and conflicting priorities can get in the way.

To address these issues, AARP ND is facilitating roundtable discussions in Bismarck and Fargo led by Paul Greenwood, a renowned expert in the field of elder abuse and fraud prevention. Law enforcement, prosecutors and others in the legal field, banking, adult protective services, and community advocates will discuss how, together, we can disrupt the fraud business model. We hope you or someone in your organization can attend one of the events. 

Tuesday, Sept. 23, 1:30-3 p.m.
Bismarck Event Center, Bismarck

Click here to register

Wednesday, Sept. 24, 1:30- 3 p.m.
Fargodome, Fargo

Click here to register

Click here for event flyer.

 


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.

September Webinars

  • Flourishing Through Life Transitions: Change happens. We may or may not expect it. We may or may not like it. Either way, it can leave us feeling uncertain and overwhelmed. Whether you're adjusting to an empty nest, grieving a loss, adapting to a job promotion, or stepping into a new life chapter - you’re not alone in your feelings of uncertainty. In this webinar, the Learn to Live clinical team will provide powerful CBT tools to help you move through life transitions with more clarity and self-compassion. 

    Friday, September 5th: 12-12:30pm CST/1-1:30pm EST 
    Wednesday, September 17th: 2-2:30pm CST/3-3:30pm EST 
     
  • Raising Future Ready Kids 3: Empowering Parents in a Social Media World: Do you ever feel like you're sailing on stormy seas when it comes to your kids and social media? In a world where our kids are getting more depressed, more anxious and more isolated, there's a clear link, and parents may be the key to turning the ship around. In this webinar, the Learn to Live clinical team will share common challenges parents face today and offer simple, research-backed tips to help you set healthy tech limits—while still giving your child room to explore.

    Tuesday, September 9th: 12-12:30pm CST/1-1:30pm EST 
     
  • Squirrels and Shiny Objects: Addressing Problems with Focus and ADHD: Do you find it hard to pay attention, stay organized, or avoid distractions? Whether or not you have ADHD, these problems can make daily life tough. But there is good news. Cognitive Behavioral Therapy (CBT) can help. Join this conversation with the Learn to Live clinical team as we explore how CBT can help those living with lack of focus and productivity challenges. 

    Thursday, September 18th: 10:30-11am CST/11:30am-12pm EST 
     
  • Promoting More Helpful Self-talk: Advanced Strategies to Address The Core of Your Thinking: Our self-talk influences our emotions and impacts our overall well-being. Join us for an enlightening webinar that delves into transforming the core beliefs that silently drive our self-talk. In this interactive session, you’ll learn advanced strategies to shift the core beliefs underlying our negative self-talk to feel more capable, valuable, and confident. 

    Friday, September 26th: 11-11:30am CST/12-12:30pm EST 
 

OTHER BANKING NEWS

_____________
 

Banking Net Income $69.9 Billion In Q2 2025

The banking industry reported a return on assets ratio of 1.13% and aggregate net income of $69.9 billion in the second quarter of 2025, a decrease of $677.3 million, or 1%, from the prior quarter, according to the FDIC’s most recent Quarterly Banking Profile. Net income for the industry would have increased in Q2 absent an increase in provision expenses related to Capital One’s acquisition of Discover earlier this year.
 
Quarterly net income for the 3,982 community banks insured by the FDIC totaled $7.6 billion in Q2, an increase of $842.9 million, or 12.5%, from Q1, the agency said. Higher net interest income and noninterest income more than offset increases in noninterest expense and provision expense.
 
Domestic deposits increased $101.5 billion, or 0.6%, from Q1, rising for a fourth consecutive quarter. Estimated uninsured domestic deposits increased $186.4 billion, or 2.4 %, offsetting a $87.3 billion, 0.8%, decline in insured domestic deposits.
 
The Deposit Insurance Fund balance increased $4.4 billion to $145.3 billion in Q1. The reserve ratio increased five basis points during the quarter to 1.36%. As of June 30, the reserve ratio exceeded the statutory minimum and, beginning with Q3, the FDIC will no longer operate under the restoration plan.
 
The total number of FDIC-insured institutions declined by 41 during the second quarter to 4,421. During the quarter, two banks opened, one bank failed, five banks were sold to non-FDIC-insured institutions and 37 institutions merged with other banks.
 
To read more, visit: https://www.fdic.gov/news/press-releases/2025/fdic-insured-institutions-reported-return-assets-113-percent-and-net


CFPB Proposes Setting Guardrails for Nonbank Supervision

The CFPB is proposing to adopt a new standard that it says will bring more uniformity to its supervision of nonbanks.
 
The Consumer Financial Protection Act authorizes the bureau to supervise nonbanks if it has reasonable cause to determine that the financial products or services a nonbank offers pose “risks to consumers.” Under this authority, the bureau has designated nonbanks for supervision on a case-by-case basis. The proposed rule would define “risks to consumers” as conduct that presents “a high likelihood of significant harm” to consumers and is directly connected to the offering or provision of a consumer financial product or service as defined by the CFPA.”
 
“In the bureau’s preliminary view, Congress would not have expected it to expend its supervisory resources on issues that are speculative in likelihood or trivial in impact,” according to the proposed rule. “Although some prior orders have adopted a broad approach to the phrase ‘risks to consumers’ under [the CFPA], asserting that it can include even immaterial potential harms, the bureau proposes to reconsider this approach.”
 
The CFPB added that “it is essential that the bureau focus only on the specific categories of products and services that Congress charged the bureau with overseeing.
 
The CFPB will accept public comment on the rule for 30 days after publication in the Federal Register.
 
To read more, visit: https://public-inspection.federalregister.gov/2025-16352.pdf


CFPB Seeks Input on Section 1033 Data Sharing Reconsideration

The CFPB is seeking public comment on the costs and challenges of enforcing the Dodd-Frank Act’s data sharing requirements as it considers new rulemaking to implement the law.
 
Section 1033 of the Dodd-Frank Act requires financial institutions to make a consumer’s financial information available in electronic form. The CFPB issued a final rule last year to implement the law, but it was challenged in federal court. The bureau requested a stay in the lawsuit to give it time to issue new rulemaking, which the court recently granted. The CFPB said as part of its reconsideration of the rule, it plans to issue a notice of proposed rulemaking to extend the compliance dates.
 
According to an advanced notice of proposed rulemaking, the CFPB is seeking data and comments to inform it in four areas as it drafts a new rule:

  • The proper understanding of who can serve as a “representative” making a request on behalf of the consumer.
  • The optimal approach to the assessment of fees to defray the costs incurred by a “covered person” in responding to a customer-driven request.
  • The threat and cost-benefit pictures for data security associated with Section 1033 compliance.
  • The threat picture for data privacy associated with Section 1033 compliance.

Comments must be submitted within 60 days of publication of the request in the Federal Register.
 
To read more, visit: https://public-inspection.federalregister.gov/2025-16139.pdf


FDIC Proposes Revisions to New Signage Requirements

The FDIC board has proposed several changes to its recently revised requirements regarding the use of the agency’s name and logo, saying the adjustments will ease the compliance burden on financial institutions.
 
The FDIC last year adopted new requirements, which were scheduled to take effect on March 1, 2026. Under the notice of proposed rulemaking issued today, the FDIC would make further amendments based on public feedback and push back the compliance date to Jan. 1, 2027. Proposed revisions include:

  • Insured depository institutions would have additional flexibility with respect to requirements regarding the color, font and size when displaying the FDIC official digital sign. They would also be expressly permitted to “wrap” the text of the sign to address space constraints.
  • The proposed rule would remove the “landing page” requirement, as the term is not commonly used by financial institutions, and would remove the requirement to display the FDIC official digital sign on pages where the customer may transact with deposits. It would instead require an IDI to display the FDIC official digital sign on its digital deposit-taking channels’ page or screen where the consumer initiates a deposit account opening.
  • The proposed rule would require non-deposit signage on all pages and screens that are primarily dedicated to one or more non-deposit products.
  • IDIs would only be required to display the FDIC official digital sign on the initial screen of an IDI’s ATM or like device. Under the current rule, such signage must be displayed continuously on a “home page or screen and on each transaction page or screen relating to deposits.”
  • The proposed rule would provide a non-exhaustive list of examples on various placements of the FDIC official digital sign and non-deposit signage that would meet the “clear, continuous and conspicuous” standard for IDIs’ digital deposit-taking channels.

Comments on the proposal will be accepted for 60 days after publication in the Federal Register.
 
To read more, visit: https://www.fdic.gov/news/board-matters/2025/board-meeting-2025-08-19-3notation


Younger Generations Saving More Money

Younger generations are saving more money by making trade-offs to limit their spending, according to a new survey by Santander Bank. The survey found that 58% of Gen Z and 54% of millennial respondents have increased their savings since the start of the year, ahead of their Gen X (47%) and baby boomer (39%) counterparts.
 
The overwhelming majority of Gen Z (81%) and millennials (79%) said growing their savings is a top priority, according to Santander Bank. At the same time, 69% of Gen Z and 62% of millennials made lifestyle trade-offs in the past three months to save more.
 
The survey found that across generations, consumers with defined savings goals and budgets were more likely to grow their savings during the second quarter of the year. Among those who met their savings goals, top strategies included reducing spending (48%), sticking to a strict budget (41%), and using automated transfers from a paycheck or checking account into a savings account (24%).
 
To read more, visit: https://www.businesswire.com/news/home/20250820208112/en/Gen-Z-Achieving-Success-in-Saving-Showing-Interest-in-CDs-to-Accelerate-Growth-Santander-Bank-Survey-Finds


HUD Transitions to English-Only Policy

The Department of Housing and Urban Development plans to make English the only language used in its services and communications, according to a memo reported by multiple news outlets.
 
HUD Deputy Secretary Andrew Hughes, who authored the memo, said the move aligns with a March executive order designating English as the official language of the United States. The agency plans to remove existing non-English flyers and digital resources, while reviewing contracts for translation services. Hughes said the department will comply with federal law where language accommodations are required, including under the Americans with Disabilities Act and the Violence Against Women Act.
 
Hughes said his department will continue to ensure all individuals have “meaningful access” to programs and will maintain services for the hearing- and vision-impaired. The department described the rollout as “ongoing and iterative,” with the new English-only policy set to take effect immediately.
 
Last July, the HUD, through the Federal Housing Administration, made available translated versions of 19 single-family mortgage documents used in the servicing of FHA-insured mortgages. These documents were available in Chinese, Korean, Spanish, Tagalog and Vietnamese to assist lenders, servicers, housing counselors and other FHA program participants in explaining information related to FHA-insured mortgages to those with limited English proficiency prior to the execution of these documents in English.
 

 


Upcoming Events

 
 
Regional Member Meetings   September 8-11, 2025
Grand Forks, Fargo, Bismarck and, new location for 2025... Bottineau!
[CLICK HERE] for more information

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
[CLICK HERE] for more information

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

Bank Compliance School   October 20-23, 2025 - National Energy Center of Excellence, Bismarck
and Virtual Options
Registration coming soon!

IRA Fundamentals   October 27, 2025 - Delta Hotel by Marriott, Fargo
October 29, 2025 - Courtyard by Marriott, Bismarck
[CLICK HERE] for more information

Advanced IRAs   October 28, 2025 - Delta Hotel by Marriott, Fargo
October 30, 2025 - Courtyard by Marriott, Bismarck
[CLICK HERE] for more information

HSA Half-Day Workshop   October 29, 2025 - Courtyard by Marriott, Bismarck
[CLICK HERE] for more information
     
 

Cyber Showcase: Cybersecurity Awareness Month Prep

Date: September 11
Time: 2:30 - 3:30 PM CT
Cost: Free

October is Cybersecurity Awareness Month — the perfect opportunity to show your commitment to protecting customers. Join us to learn how to make the most of it.

This discussion will cover the top risks your customers face, including emerging AI-driven threats. You’ll also walk away with key statistics and practical strategies to better engage and educate them during Cybersecurity Awareness Month.

Save your spot! | click here

Cyber Showcase is a free monthly webinar series from SBS Cybersecurity that aims to translate complex information and cyber security topics into plain English. Mixing education and sales information, these webinars highlight existing SBS services and provide a platform to roll out exciting new offerings.
 


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