April 4, 2018


In This Issue: 
  • State Budget Approved -- Includes Major Tax Measures
  • Reg Relief Needs Big Push In House, Contact Your Representatives! Sign The New ICBA Petition!
  • John Williams To Succeed Bill Dudley As New York Fed President
  • News On Upcoming IBANYS Meetings & Upcoming Webinars
  • New Feature: Spotlight Member Bank
  • Follow IBANYS On Facebook, Twitter, LinkedIn and Instagram!


Message From the President
John Witkowski, President & CEO
Crunch Time For Reg Relief In House: IBANYS Heads To Washington 

ICBA's Capital Summit in Washington, D.C. is next week, and a number of New York community bankers will be accompanying IBANYS to meet with members of our New York congressional delegation "on the hill" on Tuesday to discuss S.2155, the regulatory relief bill passed with bipartisan support in the Senate but currently being held in the House.  We'll also discuss housing & GSE finance, the farm bill, BSA issues, expansion of credit union powers and membership, and other community banking related issues. IBANYS has scheduled meetings  with a number of our Representatives, including several on the House Financial Services Committee. We'll also be meeting with the offices of our two United States Senators. It is important that our elected officials hear directly from their constituent bankers and the senior leadership of our association. A strong New York community banker presence in D.C. next week will help move our community banking agenda forward.  

Congress remains out on a two-week recess, returning just in time for our visit. Some House Republicans  -- including Financial Services Committee Chairman Hensarling -- 
want to re-open the bill and add in other provisions. ICBA and IBANYS believe this would jeopardize the bipartisan support achi eved in the Senate. 
  • Contact your local Representative(s) and ask them to support S.2155. 
  • Sign ICBA's newly announced petition calling for community bank reg relief and, ask your officers, directors, employees and customers to sign as well!

In Albany, the Governor and State Legislature agreed to and enacted a state budget ahead of the April 1 deadline. It contains a number of tax provisions that could impact banks. We describe both federal and state developments in greater detail in the Government Relations section of today's newsletter. The State Legislature is now out on recess for two weeks.


Remember Our Upcoming IBANYS Meetings!
 
These are all described in greater detail in today's newsletter.

Remember: IBANYS is YOUR association. Make it work for you!

- John

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2018 Meetings
 
Upcoming IBANYS Meetings & Conferences



The 2018 ICBA Capital Summit

April 8- April 11- Washington, D.C.
  
Join us at the next month's  ICBA Capital Summit in Washington, D.C. April 8-11 , to help propel our voice in the nation's capital. ICBA and fellow community bankers gather to advocate for change in various areas such as access to capital, regulatory and tax relief, mortgage reform and agricultural lending through   ICBA's Plan for Prosperity . During the summit, share your story with members of our New York Congressional Delegation and urge reform in meetings with federal regulators and policymakers. IBANYS is currently scheduling meetings "on the hill" with our Senators and Representatives. These  "hill visits"  will take place on Tuesday, April 10

Speakers at the general sessions will include: 
  • Budget Director & CFPBActing Director Mick Mulvaney
  • Comptroller of the Currency Joseph Otting  
  • Senate Subcommittee on Financial Institutions and Consumer Protection Chairman Patrick Toomey (R-Pa.)
  • Pollster & political commentator Kristen Soltis Anderson 
Register today  at  www.icba.org/capitalsummit.  We look forward to seeing you in Washington, and t hank you for all that you do in support of community banking.



Regional Directors Conference

April 10- Rochester/Pittsford, NY at the Hilton Garden Inn Rochester/Pittsford
April 11- Troy, NY at the Hilton Garden Inn Troy

 
Regional Human Resources Conferences

April 24- Rochester/Pittsford, NY at the Hilton Garden Inn Rochester/Pittsford
April 25- Troy, NY at the Hilton Garden Inn Troy

These programs provide an opportunity for your bank's team to learn about important topics that Human Resource Departments face today. The workplace and regulatory environment are constantly changing. IBANYS has compiled an impressive line-up of speakers who will share their knowledge and expertise on such important and timely topics as sexual harassment, FMLA and PFL, health and wellness, compensation and employee benefits, identity theft, and much more. 


Bank Executive Symposium

May 7-9- Watkins Glen, NY at the Watkins Glen Harbor Hotel


Lending Conference

June 5-6- Fairport, NY at the Woodcliff Hotel & Spa

 

Regional Security Conferences

June 19 - Rochester/Pittsford, NY at the Hilton Garden Inn Rochester/Pittsford
June 20 - Troy, NY at the Hilton Garden Inn Troy

 

Annual Convention

September 25-27- Albany, NY at the Hilton Albany

Member banks:  Share this information  with your senior management teams, officers, directors, compliance, security and human resources  officers.  Preferred providers, associate members and business show exhibitors : Now is the time to plan to attend, participate, sponsor/exhibit.  Contact Linda Gregware: Lindag@Ibanys.net 
New Feature!
Spotlight Bank of the Week

Spotlight Bank of the Week is a new feature that we are adding to our website and e-newsletter. It is an opportunity to promote anything about your organization, such as fun facts, organization news, special events, etc. The Spotlight Bank of the Week will be featured on our homepage slider, e-newsletter, and our social media platforms for one week. So don't miss out on this exceptional opportunity to showcase your bank to thousands of people!

To apply, just fill out our registration form and email it to Natalie Rowan at natalier@ibanys.net.

IBANYS Education/Webinars
IBANYS Webinars

IBANYS' webinars provide timely, informative sessions on important topics and issues of interest for community bankers. They are valuable not only for their content, but for their convenience. Participants can take part from the comfort and privacy of their offices, without leaving the bank.
Our  Webinar Series offers many topics in the following categories:
  • Audit & Accounting
  • Collections
  • Compliance
  • Directors
  • Frontline & New Accounts
  • Human Resources
  • Information Technology
  • IRA
  • Lending
  • Operations
  • Security & Fraud
  • Senior Management
We are always adding more programs based on needs and requests of our members,
who drive our focus!  Take a look at the various series of webinars we offer by clicking each of the links below.

Government Relations
Albany
Legislature Approves $168.3 Billion State Budget Ahead of Deadline

Governor Cuomo and the NYS Legislature finalized a $168.3 billion state budget early Saturday -- ahead of the April 1 deadline for enactment. The Legislature is now out on a two-week recess until the week of April 16. Two important features include:
  • Includes responses to counter federal tax changes
  • Does not include numerous "policy initiatives"
The budget includes $100.1 billion for state operations. The agreement deal includes a new state tax code in response to federal tax changes, as well as more money for education. Cuomo said this year's budget "was the most difficult budget I think we've done." He blamed the difficulty on beginning with a potential deficit and the impact of the federal tax law changes that he said were "gutting deductibility of state and local taxes."  A number of the more controversial "policy items" from the Governor's 2018 agenda were dropped from the budget, including the Child Victims Act, the DREAM Act, and early voting.

To address the tax situation, the new state budget:
  • Creates two new state-operated "Charitable Contribution Funds" to accept donations for the purposes of improving health care and education in New York. Taxpayers who itemize deductions may claim the contributions as deductions on their Federal and State tax returns. Any taxpayer making a donation may also claim a State tax credit equal to 85 percent of the donation amount for the tax year after the donation is made. School districts and other local governments are also authorized to create charitable funds. Donations to these funds would provide a reduction in local property taxes (via a local credit) equal to a percentage of the donation.
  • Creates the Alternative Employer Compensation Expense Program. While Federal tax reform eliminated full State and local tax deductibility for individuals, businesses were spared from these limitations. The new budget allows employers to opt-in to a new ECEP structure. Those who do would be subject to a 5 percent tax on all annual payroll expenses in excess of $40,000 per employee, phased in over three years beginning on January 1, 2019. The progressive personal income tax system would remain in place, and a new tax credit corresponding in value to the ECEP would cut the personal income tax on wages and ensure that State filers subject to the ECEP would not experience a decline in take-home pay.
  • Decouples from Federal Tax Code. The budget decouples the state tax code from the federal tax code, where necessary, to avoid more than $1.5 billion in State tax increases brought solely by increases in federal taxes. 
  • Continues the Phase-In of the Middle Class Tax Cut. The budget supports the phase-in of the middle class tax cuts. In 2018, average savings will total $250 and, when fully effective, six million New Yorkers will save an average of $700 annually. Once fully phased in, the new rates will be the lowest in more than 70 years - dropping from 6.45 to 5.5 percent for incomes ranging from $40,000 - $150,000 and 6.65 to 6 percent for incomes ranging from $150,000 - $300,000. The new lower tax rates will save middle class New Yorkers $4.2 billion, annually, by 2025. 
  • Grows County-Wide Shared Services Initiative to Deliver Savings for Taxpayers. New York State will build on progress to reduce local property taxes and provide local governments with new tools to provide money back to middle-class families. The budget includes $225 million to fund the State's match of savings from shared services actions included in property tax savings plans. The budget also continues the county-wide shared services panels for another three years and amends a statutory hurdle that prevented localities from sharing some specific services. 
  • Creates a Voluntary Retirement Savings Program. The budget authorizes the New York State Secure Choice Savings Program - a voluntary-enrollment payroll deduction IRA for employees of private employers that do not already offer retirement savings plans. It will give New Yorkers who currently have no access to employer-provided retirement plans the opportunity to save for retirement, while "alleviating the burdens on participating New York employers of creating and sponsoring a retirement plan on their own." Participation is voluntary for businesses and employees.
  • Continues the Local Property Tax Relief Credit. The Property Tax Credit, enacted in 2015, will provide an average reduction of $380 in local property taxes to 2.6 million homeowners this year alone. By 2019, the program will provide an additional $1.3 billion in property tax relief and an average credit of $530.

Cuomo Wants to Unify Democrats, Take Senate Control From GOP

With the state budget now completed, Governor Cuomo hosted a meeting this week of Democratic leaders in the name of party unity. The Governor Cuomo is trying to unify the various Democrats in the state Senate before the end of the current legislative session. Democrats must first win two April 24 special senate elections to fill vacancies in Westchester County and the Bronx.  They are key to a unity plan to unite the mainline Senate Democratic conference and the eight-member Independent Democratic Conference (currently aligned with Senate Republicans in a governing majority) to potentially give Democrats control of the NYS Senate. 

Cuomo said that the GOP  controlled Senate thwarted key liberal victories in the budget.  "All the progress we want to make they are 100 percent against it. We just finished the budget negotiation with them. They have no appetite for the things we hold dear."  Cuomo reportedly urged the IDC this week to disband immediately and rejoin the Democrats' conference. If Democrats reunited now, they would have 29 seats. Two are currently vacant and will be filled by the upcoming special elections. A Democratic majority would be contingent on Sen. Simcha Felder, a Brooklyn Democrat, deciding to abandon the Republican conference. Felder commented, "I'm only loyal to G-d, my wife, my constituents and New Yorkers. I don't care about political parties and more and more New Yorkers feel the same way."  However, Senate Majority Leader John Flanagan (R-L.I.) expects to retain his post after the special elections, and that Sen. Simcha Felder, a Brooklyn Democrat who conferences with Republicans, will stay in the GOP fold. "Regardless of the outcome we'll still have 32 seats (of the 63 in the chamber) with Sen. Felder caucusing with us," Flanagan said. He also said  Sen. Jeff Klein (D-Bronx/ Westchester), leader of the Independent Democratic Conference, would continue their relationship with the Senate GOP. "We have a terrific working relationship with Jeff Klein. I consider him a colleague and friend. I don't see that changing at all." A Senate GOP spokesperson warned of a Democratic takeover of the State Senate, joining with a Democratic Assembly and Governor. "More than ever before, we need checks and balances to prevent the radical New York City politicians from doing whatever...they want."




Washington, D.C.

  Federal Regulators Finalize Call Report Revisions  

Federal regulators have finalized revisions to streamline the quarterly call report
by removing certain data items and raising reporting thresholds. The agencies are hosting a webinar at 1 p.m. (Eastern time) this Thursday on the changes, which will take effect for the June 30 report date. Combined with prior revisions, approximately 51 percent of required data items for smaller and less complex institutions have been changed, the agencies said.

Together with ICBA, IBANYS has been a strong advocate for streamlining the call report, including supporting a short-form call report that community banks would file in the first and third quarters of each year. This is a provision in pending regulatory relief legislation.


Sign The Petition Today -- Ask Your Customers To Sign It Too!

ICBA today is launching a nationwide petition drive urging the House of Representatives to immediately pass substantial community bank regulatory relief. Following the Senate's strong bipartisan passage of the Economic Growth, Regulatory Relief and Consumer Protection Act (S. 2155), ICBA wants to continue the momentum and ensure relief is not derailed at the last minute.  ICBA is encouraging all community bankers, staff and bank directors to join this important petition drive and enlist customers and community banking allies in the effort. President Trump has pledged to sign S. 2155 into law, so community banks cannot afford further delay or inaction. IBANYS urges all New York community banks to click here to sign the petition.


 
Please Contact Your Members Of Congress On Regulatory Relief

 
Congress is on recess and will return next week, when IBANYS will be "on the hill" advocating for regulatory relief, the farm bill, limiting credit union powers and membership, housing & GSE finance and BSA related matters. There is a delay in the House of Representatives on S.2155, the  regulatory relief bill passed with bipartisan support by the U.S. Senate earlier this month. It would provide the most meaningful regulatory relief from Washington since Dodd-Frank was enacted in 2010. Some House Republicans -- including Financial Services Chairman Hensarling -- want to re-open the legislation and add in other provisions that could jeopardize support in the Senate.  IBANYS is asking New York community bankers to reach out to their local Representatives at their district offices during this two-week recess to urge them to vote for New York community banks regulatory relief by supporting S.2155. Use ICBA's " Be Heard" grassroots action center  at www.icba.org


Treasury Recommends Modernizing CRA

 

The U.S. Treasury Department is recommending modernizing the CommunityReinvestment Act (CRA). Treasury's memorandum recommends updating CRA assessment areas, improving examination clarity and flexibility, and promoting more timely and efficient exams -- all urged by ICBA. In its January letter to Treasury on modernizing CRA, ICBA also advocated higher asset thresholds to reflect the growth of the community banking industry and subjecting tax-exempt credit unions to CRA. IBANYS has supported ICBA's calls to update CRA regulations and practices. 



New Farm Bill On Horizon

Congress is planning to write a new farm bill in the coming months, and ICBA has released a  white paper with its principles for a new multi-year farm bill. ICBA's "Focus on Farm Policy"  white paper provides community banker-inspired farm policy reforms ahead of the Sept. 30 deadline. It outlines key agricultural focus areas, including funding commodity programs and crop insurance, enhancing USDA farm loan programs, and reforming the Farm Credit System. It also includes five principles for the farm bill, such as regulatory relief and fair treatment of all stakeholders.  IBANYS will be discussing the new farm bill during our congressional visits in Washington, D.C. April 10.


We Need New York Community Bankers To Come To Washington

null A key component of ICBA's "Capital Summit" (April 8-11)will be IBANYS' visits on Tuesday, April 10 with members of the New York congressional delegation. This is our once-a-year opportunity to meet with our Representatives in their Washington offices. It is our best chance to advocate for key industry priorities, including the passage of S.2155, the vitally important regulatory relief bill. Register for the conference and with the hotel at  www.icba.org . Then, please e-mail IBANYS' Steve Rice (stever@ibanys.net) the name(s) of your local Representative)s) so we can make sure to include you to our meetings. 
Make your voice heard .
Action Alert


Contact Your Local Congressional Representatives: 
Urge Them To Vote For S.2155 Regulatory Relief Bill 

The bipartisan Senate regulatory relief bill (S.2155), has been approved by the U.S. Senate 67 votes affirmative votes. T he action now moves to the House of Representatives. The challenge now is to urge the House to approve the Senate legislation as is, without adding any amendments that would jeopardize the bipartisan support demonstrated in the Senate, where 16 Democrats joined their Republican colleagues in voting for the measure.  IBANYS is conducting a grassroots outreach effort with the New York House delegation. To email or call your Representatives, click on the links below:


We have written to each member, but we need YOU to contact your local Representatives. Call their district offices while they are home for the two-week recess beginning this weekend. You can also visit www.icba.org and use their "Be Heard" grassroots site to tailor your messages.

Industry Trends & Updates
 Learn Portfolio and Balance Sheet Management With Your Peers

ICBA Securities is presenting its annual Balance Sheet Academy on April 23-24 in Memphis, TN. This is an intermediate-level program that will teach attendees how to profitably manage different parts of a community bank balance sheet.  It is a 1 ½ day class that can award up to 12 hours of CPE credit at a very cost-efficient price. The  Balance Sheet Academy  advanced seminar is designed to expose seasoned community bank portfolio and balance sheet managers to advanced products and concepts. The objective  is to enable the attendees to consistently outperform their peers.  The dynamics of a community bank balance sheet require an investment professional to be versed in a widening range of topics.  Balance Sheet Academy  provides discussion and practical classroom exercises to equip the attendees for these demands.  Examples of these topics include in-depth mortgage analytics, detailed municipal credit evaluation, and more advanced interest rate risk management strategies.  Attendees will learn how the changing economic data impacts the bond market from the Vining Sparks Chief Economist and will also hear first-hand testimony from a fellow experienced community banker about successful balance sheet management. 

Click here for more information and to register.


Williams Named President Of New York Fed

The Federal Reserve Bank of New York yesterday announced John C. Williams as its next President. The selection was made by a subset of the bank's board of directors and approved by the Fed's Board of Governors in Washington. The choice does not need Senate confirmation. Mr. Williams take over June 18, succeeding William Dudley who held the position since 2009.  "I look forward to joining the talented team of New York Fed colleagues and to carrying out the unique responsibilities entrusted to us to protect the economic prosperity and financial stability of the United States' economy," Williams said.  Press reports note that t he selection of Williams, currently President of the Federal Reserve Bank of San Francisco, places a seasoned economist in a key monetary policy making role. New Fed Chairman Jerome Powell does not have an economics background.  Click here to read the press release announcing the selection.



Mortgage Applications Down -- While "Tappable Equity" Is Way Up

According to the Mortgage Bankers Association, total mortgage application volume fell 3.3 percent last week from the previous week. The MBA noted potential homebuyers may have been "rattled" by swings in the stock market. Despite interest rates holding at their lowest level in two months, mortgage applications to purchase a home fell 2 percent for the week. They were still 5 percent higher than a year ago. Applications to refinance a home loan fell even more, down 5 percent for the week, despite no change in interest rates. They were 11 percent lower than a year ago, when rates were lower. Meanwhile, a new report from Black Knight said whether they choose to use it or not, the amount of equity today's homeowners are able to tap is the highest on record. Over the course of 2017, the amount of money a borrower can take out of a home while still leaving 20 percent in it (the amount most lenders require) rose by $735 billion, the largest annual increase by dollar value on record. That brought the collective amount of "tappable equity" to $5.4 trillion, 10 percent more than at the pre-recession peak in 2005.

Banking News
Online Lending

Excelsior Growth Fund (EGF) is NYBDC's nonprofit Community Development Financial Institution and IBANYS' exclusive online lending partner. Their  mission is to help businesses in New York, New Jersey and Pennsylvania grow by providing small business loans and advisory services. As a nonprofit organization and a U.S. Treasury-certified Community Development Financial Institution  (CDFI) , they're a responsible lender you can trust. Their  products are affordable and flexible, and their advisory services can help you reach your business goals. Their signature product, the EGF SmartLoan™, provides up to $100,000 through a streamlined online platform.  Loans are approved in 1-2 days and funded in a week.  For more details, please visit: http://excelsiorgrowthfund.org/egf_smartloan/ 

Spotlight Bank of the Week

 

Pioneer Bank was founded in 1889 by Henry O'Reilly Tucker and a group of printers from the Troy Daily Press. Their main goal was to establish a loan & savings association in order to encourage the practice of saving. After consulting with their employer, this goal soon became a reality and Pioneer Bank was created. 

Pioneer Bank offers a variety of financial products and services, including full banking services, insurance, wealth management, and employee benefits consulting. We also offer  our customers a comprehensive array of products and services, with competitive rates and the latest banking options. We have a suite of sophisticated, secure and easy to use eBanking tools, mobile banking apps, and other tools to help customers save time and do more with their money. We have branch offices and ITMs/ATMs throughout the region and we are a leader in local lending, with fast local decision making from people who know the are and go beyond expectations to make the deal happen.  


We relentlessly execute our business model of engaged employees and customer  advocacy each day, driving our strong financial results. We look for ways to leverage technology to enhance the delivery of our products and services, as well as  to improve efficiency within our operations. Most importantly, we remain committed to operating with the highest level of integrity and will always make local decisions based on what is best for our employees, customers, and our communities.

To learn more about Pioneer Bank and our services, please visit www.pioneerbanking.com.


IBANYS Spotlight Is On...
 


From banks, to mortgage and finance companies, to broker-dealers and credit unions, Bonadio understands the specialized services financial firms require. Of course, they offer impeccable financial statement audits. But in addition, their extensive offering covers every issue a financial institution faces, including:
  • Risk management services, from IT audits to IT penetration testing
  • Loan reviews and fraud investigations
  • Bank and federal reserve regulatory filings
  • Sarbanes-Oxley compliance
  • Initial public offerings
  • Private placements memorandums
  • Mergers and acquisitions
The Bonadio team is best known for its combination of practicing to the highest standards and taking a proactive approach with banking industry clients. Between Bonadio and our Moore Stephens North America member firms, we currently provide services to hundreds of financial institutions-including SEC registrants-ranging in size from de novo status to $24 billion in total assets.
 
For further information, contact Jamie L. Keiser, CPA Partner: (315) 422-7109, jkeiser@bonadio.com or visit the website at www.bonadio.com

 
IBANYS Endorsed Services

IBANYS identifies offers products and services that provide value to your banks, companies, employees communities. These brief summaries provide links for information. Please contact IBANYS President John Witkowski with questions.

Health & Wellness

My Wellness Resource & TELADOC

The health and wellness landscape continues to evolve. "My Wellness Resource" can be a nice addition to your existing benefit package. 

Teladoc can save your banks time and money, and provide real value to your employees as this testimonial from a New York community bank CEO proves:
HERE'S WHAT YOUR FELLOW NEW YORK
COMMUNITY BANKER SAYS. . .
"I wanted to let you know that some of our employees and I have been using "Teladoc" and it is one of the best things we have done for the bank. We all love it: We are saving time, avoiding waiting in an urgent care center or a doctor's waiting room for non-emergency related illnesses . . .and it is easy to use and convenient. Once you use it, you are hooked! This was a great find! Would recommend it to all banks."

Mario Martinez 
Chairman & CEO
Catskill Hudson Bank

Contact Alan Justin: (716) 907-5500. 


"Cure the Blue" Helps Banking Industry Battle Prostate Cancer!

The "Cure the Blue" program sponsored by the Buffalo Bills Alumni Foundation allows New Yorkers to participate in one of the most comprehensive efforts to help promote prostate cancer awareness and research in the United States.  Lake Shore Savings Bank has provided prostate cancer literature and Cure the Blue information at all eleven of its branches and their headquarters in Dunkirk. The bank also offered Cure the Blue ceramic lapel ribbon pins for a $5.00 donations to Cure the Blue to all their customers. "We fully understand the severity of this disease and the devastating effect it can have on families" said Lake Shore Savings Bank President and CEO Dan Reininga. "Our support of the Buffalo Bills Alumni Foundation's "Cure the Blue" initiative is something that we are taking very seriously and are proud to support." Buffalo Bills Wall of Famer and Alumni Foundation President Booker Edgerson, a two time prostate cancer survivor, said the bank has been a tremendous longtime supporter, noting: "They have really stepped up to the plate with their unwavering support of our Cure the Blue initiative." 

IBANYS urges all of our member banks, associate members and allies to join the effort. Cure the Blue" raises funds and awareness regarding prostate cancer in New York State. Visit  curetheblue.com  to get involved! Of all new cancer cases in the nation, prostate cancer represents 9.6%. In 2017, there were an estimated 161,000 new cases, and more than 26,000 fatalities due to the disease. Support IBANYS' "Cure the Blue" campaign to help New Yorkers participate to promote prostate cancer awareness and research.


Secure. Enhanced Internet Presence

The .bank program by fTLD operates trusted, verified, more secure, easily-identifiable internet locations for financial companies and customers. www.icba.org 

Did You Know?

. . .That  there are currently three living former United States Senators from New York? 
  • James L. Buckley, who was elected as a Conservative in 1970 and served six years, is 95 years old
  • Alfonse M. D'Amato, who was elected as a Republican in 1980, served 18 years and chaired the U.S. Senate Banking Committee, is 80 years old
  • Hillary R. Clinton, who was elected as a Democrat in 2000, served eight years and subsequently was U.S. Secratary of State and 2016 Democratic presidential candidate, is 70 years old
New York's two current U.S. Senators are Chuck Schumer, elected in 1998 and now Senate Democratic Leader, and Kirsten Gillibrand, appointed in 2009, elected in a special election in 2010 and to a full term in 2012.

 
New York community banks play a key role in our state and local economies. Help spread the good news among our customers, business, elected leaders and the media!



John J. Witkowski
President & Chief Executive Officer

Stephen W. Rice
Director of Government Relations & Communications

Linda Gregware
Director of Administration & Membership Services

William Y. Crowell III
Legislative Counsel

Natalie Rowan
Marketing & Social Media Assistant
Connect With Us!