SD Bankers Assoc.

𝗕𝗿𝗲𝗮𝗸𝗶𝗻𝗴 𝗜𝗻𝘁𝗼 𝗕𝗮𝗻𝗸𝗶𝗻𝗴 𝟭𝟬𝟭 + 𝟮𝟬𝟭 Commercial banking comes with its own language, a whole lot of moving parts, and plenty to learn. But everyone has to start somewhere! 💡 Breaking into Banking 101 + 201 takes the mystery out of commercial banking, breaking down credit, lending, and the fundamentals into concepts that actually make sense. Whether you're brand-new to banking or ready to connect the dots, this training will help you: ✅ Talk the talk with more confidence ✅ Understand the ins and outs of commercial lending ✅ See how YOUR role contributes to your bank's bottom line 𝗗𝗲𝘁𝗮𝗶𝗹𝘀 + 𝗥𝗲𝗴𝗶𝘀𝘁𝗿𝗮𝘁𝗶𝗼𝗻👉 tinyurl.com/2027BIB

𝗚𝗦𝗕 𝗔𝗜 𝗜𝗻𝗻𝗼𝘃𝗮𝘁𝗶𝗼𝗻 𝗦𝗲𝗿𝗶𝗲𝘀 Is your bank ready to put AI to work? The Graduate School of Banking at the University of Wisconsin–Madison is offering the AI Innovation Series, a five-day virtual program for everyone at your bank, 𝗝𝗮𝗻𝘂𝗮𝗿𝘆 𝟭𝟭–𝟭𝟱, 𝟮𝟬𝟮𝟳. Each day features two 2-hour sessions tailored to different areas of the bank, from leadership and lending to compliance and marketing, with frameworks and hands-on demos to help staff use AI safely and put it into practice. ⏰𝗥𝗲𝗴𝗶𝘀𝘁𝗿𝗮𝘁𝗶𝗼𝗻 𝗰𝗹𝗼𝘀𝗲𝘀 𝗝𝗮𝗻𝘂𝗮𝗿𝘆 𝟰, 𝟮𝟬𝟮𝟳. Learn more: gsb.org/schools-programs/ai-…

𝗨𝗻𝗱𝗲𝗿𝘀𝘁𝗮𝗻𝗱𝗶𝗻𝗴 𝗕𝗮𝗻𝗸 𝗣𝗲𝗿𝗳𝗼𝗿𝗺𝗮𝗻𝗰𝗲 𝘀𝘁𝗮𝗿𝘁𝘀 𝗝𝗮𝗻𝘂𝗮𝗿𝘆 𝟳, 𝟮𝟬𝟮𝟳! This eight-session virtual series will help you better understand the numbers, risks and decisions that drive your bank’s performance. 𝙍𝙀𝙂𝙄𝙎𝙏𝙀𝙍 𝙏𝙊𝘿𝘼𝙔 👉 sdba.com/events

𝗥𝗮𝗸𝗲 𝗶𝗻 𝘁𝗵𝗲 𝗟𝗮𝘁𝗲𝘀𝘁 𝘄𝗶𝘁𝗵 𝘁𝗵𝗲 𝗡𝗼𝘃𝗲𝗺𝗯𝗲𝗿 𝗦𝗗𝗕𝗔𝗡𝗞𝗘𝗥 🍁 Includes: 🔷 NEXT STEP: Investing in South Dakota's Emerging Leaders 🔷 "SDBA/USD Banker Day Brings Banking into the Classroom" 🔷 First National Bank's Craig Davis Appointed to the ABA Government Relations Council 🔷 The 437 Project 🔷 "How Bankers Can Get Ahead by Letting Go" - Ginny Priem 🔷 2027 Scenes of South Dakota Calendar photo winners 🔷 Bankers in Action: First Interstate Bank 🔷 Bank Notes: CorTrust Bank, Northwest Bank 🔷 Schools & Scholarships: GSBC .....AND MUCH MORE! 👉 tinyurl.com/SDBANKER-Nov2026

𝗥𝗲𝗴𝗶𝘀𝘁𝗿𝗮𝘁𝗶𝗼𝗻 𝗶𝘀 𝗢𝗣𝗘𝗡 𝗳𝗼𝗿 𝘁𝗵𝗲 𝟮𝟬𝟮𝟳 𝗡𝗮𝘁𝗶𝗼𝗻𝗮𝗹 𝗦𝗰𝗵𝗼𝗼𝗹 𝗳𝗼𝗿 𝗘𝘅𝗽𝗲𝗿𝗶𝗲𝗻𝗰𝗲𝗱 𝗔𝗴 𝗕𝗮𝗻𝗸𝗲𝗿𝘀! 🌾 This is a fantastic opportunity for experienced ag bankers to further develop their ag lending skills, learn new skills, confirm existing methodology, and meet fellow bankers who share the same career path. 𝗪𝗵𝗮𝘁 𝗬𝗼𝘂’𝗹𝗹 𝗟𝗲𝗮𝗿𝗻: ▪️Advanced Ag Credit Making Skills ▪️Problem Loan Servicing and Resolution of Problem Loans ▪️ Intermediate and Long-Range Farm Economic Outlook ▪️Business Ethics ▪️Real World Case Studies ▪️Peer Interactions 𝙎𝙥𝙖𝙘𝙚 𝙞𝙨 𝙡𝙞𝙢𝙞𝙩𝙚𝙙 -- 𝙍𝙀𝙂𝙄𝙎𝙏𝙀𝙍 𝙏𝙊𝘿𝘼𝙔! tinyurl.com/2027AgSchool

🍂 𝗙𝗮𝗹𝗹 𝟮𝟬𝟮𝟲 𝗕𝗮𝗻𝗸𝗛𝗘𝗥 𝗕𝘂𝗹𝗹𝗲𝘁𝗶𝗻 🍂 October is winding down and we're excited to share the fall BankHER Bulletin with all of you! Grab a cup of coffee and enjoy! 👉 tinyurl.com/2026-Fall-BankHE…

Congratulations to Craig Davis, CEO and President of First National Bank in Pierre, on his appointment to the American Bankers Association's Government Relations Council for the the 2026-2027 association year! The Government Relations Council (GRC) is the leadership committee with the exclusive responsibility for recommending annual policy priorities to ABA’s Board of Directors. Thank you for representing the SDBA and the banking industry, Craig!

𝗜𝗥𝗔 𝗙𝗮𝗹𝗹 𝗨𝗽𝗱𝗮𝘁𝗲: 𝗣𝗿𝗮𝗰𝘁𝗶𝗰𝗮𝗹 𝗔𝗻𝘀𝘄𝗲𝗿𝘀 𝗳𝗼𝗿 𝗖𝗼𝗺𝗽𝗹𝗲𝘅 𝗥𝘂𝗹𝗲𝘀 Join us November 19 via Zoom for the SDBA IRA Fall Update Seminar with IRA expert Matt Dickinson, CISP. We’ll dig into SECURE 2.0 updates, RMDs, inherited IRAs, year-end reporting, legislative updates and more—all designed to help you head into year-end with confidence. 𝗟𝗲𝗮𝗿𝗻 𝗺𝗼𝗿𝗲 ⬇️ tinyurl.com/2026FallIRAUpdat…

𝗗𝗲𝗮𝗱𝘄𝗼𝗼𝗱 𝗶𝘀 𝗰𝗮𝗹𝗹𝗶𝗻𝗴. 👀 Two days with bankers from across the state. New connections and plenty of reasons to come back to work energized and ready for what’s ahead. 📍 The Lodge at Deadwood 📅 October 28–29, 2026 🔔 If you’ve been thinking about joining us, October 28 will be here before you know it! 👉 tinyurl.com/2026SDBAEmerging…

🍂 𝗖𝗮𝘁𝗰𝗵 𝘂𝗽 𝗼𝗻 𝘁𝗵𝗲 𝗹𝗮𝘁𝗲𝘀𝘁 𝘄𝗶𝘁𝗵 𝘁𝗵𝗲 𝗢𝗰𝘁𝗼𝗯𝗲𝗿 𝗦𝗗𝗕𝗔𝗡𝗞𝗘𝗥! Includes: 🔷 SDBA News: Press releases for Chair Nate Franzén, and Joe Lutter 🔷 2026 LEAD STRONG: Women in Banking Conference and Women of Impact award recipients 🔷 2027 SDBA/NDBA Convention 🔷 Emerging Leader of the Month: Amy Penning | Rivers Edge Bank, Marion 🔷 Bankers in Action: FNBO 🔷 Bank Notes: First Interstate Bank, BankWest - South Dakota 🔷 Schools & Scholarships: 2026 GSB Financial Managers School .....AND MUCH MORE! 👉tinyurl.com/SDBANKER-Oct2026

𝗨𝗻𝗱𝗲𝗿𝘀𝘁𝗮𝗻𝗱𝗶𝗻𝗴 𝗕𝗮𝗻𝗸 𝗣𝗲𝗿𝗳𝗼𝗿𝗺𝗮𝗻𝗰𝗲 starts 𝗢𝗰𝘁𝗼𝗯𝗲𝗿 𝟮𝟮! This eight-session virtual series will help you better understand the numbers, risks and decisions that drive your bank’s performance. There’s still time to register and strengthen your understanding of the whole bank. 🏦 𝙍𝙀𝙂𝙄𝙎𝙏𝙀𝙍 𝙏𝙊𝘿𝘼𝙔 ➡️ ️sdba.com/events

𝟮𝟬𝟮𝟲 𝗟𝗘𝗔𝗗 𝗦𝗧𝗥𝗢𝗡𝗚: 𝗪𝗼𝗺𝗲𝗻 𝗶𝗻 𝗕𝗮𝗻𝗸𝗶𝗻𝗴 𝗖𝗼𝗻𝗳𝗲𝗿𝗲𝗻𝗰𝗲 As part of this year’s conference, we’re proud to support the Children’s Home Society of South Dakota, whose mission is to prevent, treat, and heal trauma. Thank you to everyone who donated 🧩 puzzles, 🎲 board games, ✏️ colored pencils, ♠️ decks of cards, 🎨 art kits, and MORE - - you made a difference!

𝟮𝟬𝟮𝟲 𝗟𝗘𝗔𝗗 𝗦𝗧𝗥𝗢𝗡𝗚: 𝗪𝗼𝗺𝗲𝗻 𝗶𝗻 𝗕𝗮𝗻𝗸𝗶𝗻𝗴 𝗖𝗼𝗻𝗳𝗲𝗿𝗲𝗻𝗰𝗲 Changing the game starts with people who are willing to step forward, challenge the status quo and create opportunities for others. The SDBA Women of Impact Award recognizes South Dakota bankers who do just that… whose contributions have made a meaningful difference within their organizations, communities and the banking industry. 𝘾𝙤𝙣𝙜𝙧𝙖𝙩𝙪𝙡𝙖𝙩𝙞𝙤𝙣𝙨 𝙩𝙤 𝙩𝙝𝙞𝙨 𝙮𝙚𝙖𝙧'𝙨 𝙬𝙞𝙣𝙣𝙚𝙧𝙨 👏👏👏 🔸 𝗛𝗮𝗹𝗲𝘆 𝗚𝗿𝗮𝗻𝗱𝗽𝗿𝗲 | Dacotah Bank | Aberdeen 🔸 𝗗𝗲𝗯 𝗪𝗲𝗱𝗱𝗶𝗻𝗴𝗳𝗲𝗹𝗱 | First Dakota National Bank | Yankton

𝟮𝟬𝟮𝟲 𝗟𝗘𝗔𝗗 𝗦𝗧𝗥𝗢𝗡𝗚: 𝗪𝗼𝗺𝗲𝗻 𝗶𝗻 𝗕𝗮𝗻𝗸𝗶𝗻𝗴 𝗖𝗼𝗻𝗳𝗲𝗿𝗲𝗻𝗰𝗲 Sometimes changing the game starts with the little things. This year’s breakout sessions gave attendees a chance to step away from traditional conference topics and focus on some of the everyday practices that can make life just a little better. 🧘‍♀️ 𝗕𝗿𝗶 𝗙𝗶𝗲𝗱𝗹𝗲𝗿 helped us move, breathe and restore with gentle yoga. 💌 𝗔𝗺𝘆 𝗙𝗼𝗿𝗱𝘆𝗰𝗲 challenged us to put gratitude into action—and brighten someone’s mailbox instead of their inbox. 🍽️ 𝗔𝗹𝗲𝘀𝗵𝗮 𝗕𝗲𝗿𝗻𝗶𝗻𝗴 (Chaos to Calm) shared practical ways to calm the mealtime chaos. ✍️ 𝗟𝗲𝘅𝗶𝗲 𝗙𝗲𝘁𝗲𝗿𝗹 (FÊTE Marketing & Events) encouraged us to slow down, reflect and pay attention to the conversation we have with ourselves.

𝟮𝟬𝟮𝟲 𝗟𝗘𝗔𝗗 𝗦𝗧𝗥𝗢𝗡𝗚: 𝗪𝗼𝗺𝗲𝗻 𝗶𝗻 𝗕𝗮𝗻𝗸𝗶𝗻𝗴 𝗖𝗼𝗻𝗳𝗲𝗿𝗲𝗻𝗰𝗲 370 women. One room. A whole lot of energy. 💜 And our speakers kept the ideas coming! From letting go of what no longer serves us and leading from wherever we are, to thinking strategically, embracing AI, strengthening advocacy and choosing resilience when life changes the rules, this year’s speakers gave us plenty to think about—and great ideas to take back to our banks. 𝗔 𝗵𝘂𝗴𝗲 𝘁𝗵𝗮𝗻𝗸 𝘆𝗼𝘂 𝘁𝗼 𝗼𝘂𝗿 𝗼𝘂𝘁𝘀𝘁𝗮𝗻𝗱𝗶𝗻𝗴 𝘀𝗽𝗲𝗮𝗸𝗲𝗿𝘀 🎤 🔸𝗚𝗶𝗻𝗻𝘆 𝗣𝗿𝗶𝗲𝗺 | Keynote Speaker and #1 Bestselling Author 🔸 𝗞𝗿𝗶𝘀𝘁𝗶𝗻𝗮 𝗦𝗰𝗵𝗮𝗲𝗳𝗲𝗿 𝗮𝗻𝗱 𝗼𝘂𝗿 𝗖𝗘𝗢 𝗽𝗮𝗻𝗲𝗹𝗶𝘀𝘁𝘀: Pennie Lutz, Jodi Eich and Valerie Anderson 🔸 𝗖𝗮𝘁𝗵𝘆 𝗡𝗲𝘀𝘁𝗿𝗶𝗰𝗸 | VP Workforce Excellence | American Bankers Association 🔸 𝗘𝗿𝗶𝗰 𝗖𝗼𝗼𝗸, MBA | CEO & Chief Digital Strategist | WSI, The LinkedBanker, & CommunityBanking.ai 🔸 𝗞𝗮𝗿𝗹 𝗔𝗱𝗮𝗺 | SDBA President & CEO 🔸 𝗞𝗮𝘁𝗲 𝗚𝗹𝗮𝗱𝗱𝗶𝗻 | Resilience motivational speaker and bestselling author

🔏𝗕𝗮𝗻𝗸 𝘀𝗲𝗰𝘂𝗿𝗶𝘁𝘆 𝗶𝘀𝗻’𝘁 𝘄𝗵𝗮𝘁 𝗶𝘁 𝘂𝘀𝗲𝗱 𝘁𝗼 𝗯𝗲—𝗮𝗻𝗱 𝗻𝗲𝗶𝘁𝗵𝗲𝗿 𝗮𝗿𝗲 𝘁𝗵𝗲 𝘁𝗵𝗿𝗲𝗮𝘁𝘀. From fraud and workplace safety to robbery response and the unexpected situations employees may face, today’s bank security requires awareness, preparation and confidence. Join us 𝗢𝗰𝘁𝗼𝗯𝗲𝗿 𝟴 𝗳𝗼𝗿 𝘁𝗵𝗲 𝟮𝟬𝟮𝟲 𝗦𝗗𝗕𝗔 𝗔𝗻𝗻𝘂𝗮𝗹 𝗦𝗲𝗰𝘂𝗿𝗶𝘁𝘆 𝗦𝗲𝗺𝗶𝗻𝗮𝗿, featuring Hileman Security Training Group. This full-day seminar will provide practical, real-world training your team can take back to the bank and put to work. 𝗗𝗲𝘁𝗮𝗶𝗹𝘀 + 𝗥𝗲𝗴𝗶𝘀𝘁𝗿𝗮𝘁𝗶𝗼𝗻 ⬇️ tinyurl.com/2026SDBASecurity…

👏 Congratulations to Joseph Lutter of Heartland State Bank in Redfield on his appointment to the @ABABankers ’s Emerging Leaders Council for 2026-2027! We’re proud to see a South Dakota banker helping shape the future of banking leadership at the national level. Congratulations, Joseph! #sdba #sdbankers #EmergingLeaders

𝗪𝗵𝗼’𝘀 𝗿𝗲𝗮𝗱𝘆 𝗳𝗼𝗿 𝘁𝗵𝗲𝗶𝗿 𝗡𝗘𝗫𝗧 𝗦𝗧𝗘𝗣? 🙌 You don’t need “leader” in your title to start building your future in banking. Sometimes it starts by getting in the room—meeting new people, hearing new perspectives and being part of the conversation. Join bankers from across South Dakota for the𝟮𝟬𝟮𝟲 𝗦𝗗𝗕𝗔 𝗡𝗘𝗫𝗧 𝗦𝗧𝗘𝗣: 𝗘𝗺𝗲𝗿𝗴𝗶𝗻𝗴 𝗟𝗲𝗮𝗱𝗲𝗿𝘀 𝗦𝘂𝗺𝗺𝗶𝘁, 𝗢𝗰𝘁𝗼𝗯𝗲𝗿 𝟮𝟴–𝟮𝟵 𝗮𝘁 𝗧𝗵𝗲 𝗟𝗼𝗱𝗴𝗲 𝗮𝘁 𝗗𝗲𝗮𝗱𝘄𝗼𝗼𝗱. 👉 tinyurl.com/2026SDBAEmerging…

2026 𝙎𝘿𝘽𝘼 𝙄𝙍𝘼 𝙎𝙘𝙝𝙤𝙤𝙡 𝙆𝙞𝙘𝙠𝙨 𝙊𝙛𝙛 📝!   The SDBA is proud to welcome 39 attendees to this year’s IRA School in Sioux Falls 👏👏! Spanning across South Dakota, Iowa and Minnesota, Instructor Matt Dickinson will lead the group in a rigorous and robust 3-day school. Miss school this year? Consider attending the virtual IRA Fall Update on Thursday, November 19th! Details and registration information are available on the SDBA’s website.