IBANYS Weekly E-Newsletter | | |
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IBANYS AT SENATE BANKS CHAIRMAN SANDERS' UPSTATE BANKING TOUR. The Banking Tour started Monday in Buffalo and Tuesday in Rochester. Meetings are scheduled for Thursday in Syracuse, Friday in Utica and Monday in Albany at Pioneer. We met at M&T Bank in Buffalo and covered many areas that will benefit community banks. A few topics discussed were Community Deposit Program enhancements, NYCLASS bidding on municipal deposits, DFS issues for state-chartered banks and affordable housing. On Tuesday in Rochester, we covered the same topics along with discussions on AI and Fraud. Senator Sanders is interested in supporting financial institutions in NYS and is working on his legislative agenda for the start of session in January. The outcome of these first two meetings are: 1.) Meeting with DFS to review the differences between state regulatory exams and federal exams, and 2.) Meeting with the Comptroller's office to overhaul the Community Deposit Program to better serve our community banks' needs and to limit NYCLASS in taking municipal deposits outside of New York State. IBANYS will be responsible for prioritizing these issues and providing language to help enhance existing programs while introducing new legislation on issues that impact community banks.. I will provide more details as we have these meetings in each upstate region.
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NEWS FROM THE SBA. The Small Business Administration has improved its loan programs over the last year, and we thought some condensed content would be helpful to share with you. Qualified borrowers can now access up to $10 Million through the SBA's 7(a) and 504 loan programs. That’s the highest lending capacity in SBA history! Check out this brief conversation with SBA Deputy Administrator Bill Briggs and Associate Administrator Thomas Kimsey on the policy change and SBA’s ongoing efforts to streamline programs and better equip lenders to deploy capital where it is needed most. We have also attached a one-page document — a quick summary for you to review and share. Contact Bill.Briggs@sba.gov and/or Thomas.Kimsey@sba.gov with questions or for details.
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A REMINDER: IBANYS’ Next Major Conference – Our Executive Leadership Symposium -- is October 5-7 in Clayton, N.Y. in the beautiful 1000 Islands. Experience a mix of timely educational sessions... A fishing excursion on the St. Lawrence… Golf at Thousand Island Country Club (one of New York's most scenic golf courses - registration includes greens fees, cart, lunch, and drink tickets.)…Evening networking receptions & dinners…Monday Night Football...and, a Sunset Boat Cruise with open bar and hors d’oeuvres. Earn up to 10 CPE credits and gain valuable insights into today's most important banking topics: A.I., economic trends, executive leadership, and the future of community banking. Register today Secure your sponsorship before opportunities are gone! Registration Deadline is September 18, 2026. . .Register Early & Save! "Early Bird" Deadline: August 14, 2026. SEE BELOW FOR FULL DETAILS.
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MEET WITH THEM BACK HOME! Members of Congress are preparing to leave Washington in August for their home districts – and that’s a great opportunity for community bankers to build and strengthen relationships with local Representatives and continue your dialogue on our priority issues AND on the vital role that your banks play in the local and state economies. Invite them to your banks during recesses. ICBA’s free toolkit, “Meetings on Main Street,” walks bankers through the process. ICBA’s Take Action Center offers tools to contact officials, ways to follow-up after the meetings, track bills, and the latest “Meetings on Main Street” materials. Visit icba.quorum.us. Read a detailed article on the important grassroots process: https://www.independentbanker.org/w/how-to-advocate-for-the-industry-during-the-august-recess.
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OCC BULLETIN ON INTERAGENCY GUIDANCE ON LENDING TO INDIVIDUALS NOT LEGALLY AUTHORIZED TO WORK IN THE U.S. We wanted to share the OCC’s recent Interagency Guidance on Lending to Individuals Not Legally Authorized to Work in the United States following the President’s Executive Order on “Restoring Integrity to America’s Financial System.” The OCC, in coordination with the FDIC and NCUA, jointly issued the guidance reminding supervised financial institutions to apply existing safe-and-sound credit risk management practices when lending to borrowers who are not legally authorized to work in the United States (non–work authorized borrowers). The guidance advises that non–work authorized borrowers may present elevated credit risk because their ability to generate income, employment continuity, and financial stability may be more uncertain. Questions? Contact Anita Mamdouhi, Program Analyst, Banking Relations at OCC: (202) 649-6614.
| | IBANYS EXECUTIVE LEADERSHIP SYMPOSIUM | |
Don't Miss the Banking Leadership Event of the Year!
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2026 IBANYS Executive Leadership Symposium
October 5–7, 2026 | 1000 Islands Harbor Hotel | Clayton, NY
The future of community banking is evolving rapidly. Are you ready?
Join banking executives, senior leaders, and industry experts from across New York State for three days of timely education, strategic conversations, and unparalleled networking at the 2026 IBANYS Executive Leadership Symposium. Earn up to 10 CPE credits while gaining practical insights on the issues shaping today's banking industry.
What You'll Learn
Hear from nationally recognized speakers covering today's most important topics, including:
- Artificial Intelligence & Banking Innovation
- Cybersecurity & Emerging Threats
- Economic & Regulatory Outlook
- Executive Leadership & Board Communication
- Technology Modernization
- Community Banking Strategies
- Executive Talent & Succession Planning
More Than Great Education
Enjoy meaningful networking with peers while experiencing everything the Thousand Islands has to offer, including:
- Welcome receptions and dinners
- Sunset cruise on the St. Lawrence River
- Optional golf outing and fishing excursion
- Countless opportunities to connect with fellow banking professionals
Become a Sponsor
Put your company in front of New York's community banking decision-makers! Sponsorship opportunities include event recognition, logo placement, website and newsletter exposure, podium recognition, and more. Sponsorships are limited and available on a first-come, first-served basis.
Register Early & Save!
Early Bird Deadline: August 14, 2026
Registration Deadline: September 18, 2026
Don't miss this opportunity to learn, connect, and lead. Join us in beautiful Clayton, NY, for an unforgettable leadership experience that will inspire new ideas and strengthen valuable industry relationships.
Register today—and secure your sponsorship before opportunities are gone!
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BALLSTON SPA NATIONAL BANK WELOMES NEW BOARD OF DIRECTORS MEMBERS
Aaron Flach, Carl Florio, Donald Persico, and Joseph Warren expand BSNB Board following strategic merger
BALLSTON SPA, NY- July 14, 2026… Richard P. Sleasman, Board Chair of Ballston Spa Bancorp, Inc., parent company of Ballston Spa National Bank (BSNB) welcomed four new members to the Board of Directors following the strategic merger of BSNB and National Bank of Coxsackie (NBC) in April. Aaron Flach, Carl Florio, Donald Persico, and Joseph Warren bring diverse business and leadership experience and share a vision for expanding BSNB’s strategic direction and setting new goals for the combined institution.
“I’m pleased to welcome Aaron, Carl, Donald, and Joseph to their new roles,” says Mr. Sleasman. “Their business acumen and leadership expertise combined with their strong connection to the communities NBC serves will be indispensable as BSNB works to expand opportunities for our customers following the merger of our two banks.”
Aaron Flach co-owns a property management group and brokerage in addition to other small businesses and has been actively investing in real estate in upstate New York for over 25 years. He was elected to the NBC Board of Directors in 2018.
Mr. Flach has built commercial and residential investment properties from the ground up and is passionate about restoring historic buildings through adaptive reuse, a passion ignited after witnessing the deterioration of historic buildings in his hometown. His first project was financed by an NBC loan. Since then, he has rejuvenated his community by transforming Victorian homes and old schools.
After interacting with numerous banks throughout his career, Mr. Flach believes only community banks can foster deep relationships and connections with community members. He is optimistic about BSNB’s growth potential and its ability to meaningfully contribute to the housing and business development of upstate New York.
“When I met the other Board members, I was struck by our connection and had a sense that the culture and the values were on the same wavelength,” he notes. “This Board is interested in more than banking – they have a vision for the future and are committed to taking strategy and community development to the next level. I look forward to more collaboration with these great business minds.”
A graduate of Pepperdine University, Mr. Flach enjoys spending time with his family, including attending Little League and soccer games.
Carl Florio brings decades of banking and leadership experience to the BSNB Board. He currently serves as Vice Chairman at Paradigm Funds Advisor LLC, Chair of AAA Hudson Valley, President of the Hudson River Bank & Trust Foundation, and Trustee at Paradigm Funds. He previously served as the President and Chief Executive Officer at Hudson River Bancorp, Inc. from 1995 to 2005, and as the President-Eastern New York Region at First Niagara Financial Group, Inc. from 2005 to 2008.
Mr. Florio will provide critical perspective on successful integration – a vital component of the first year following a merger – as well as navigating an evolving community banking industry. Throughout his career, he has been guided by the philosophy that leaders must try to be fair and equitable, balancing the needs of employees, customers, and shareholders alike. As he puts it, “It’s a three-legged stool, and if one leg isn’t working well, the others are out of balance.”
Mr. Florio was drawn to BSNB following the combined impact of its strong leadership team, actionable integration plan, and commitment to continued expansion. “This is a good market with a lot of opportunity for growth,” he notes. “When I looked at this merger, I saw the strong leadership that is essential for success.”
Outside the office, Mr. Florio is an avid reader and golfer who feels just as comfortable on the Floridian greens as he does in a New York boardroom.
Donald Persico has served as President of home heating company Persico Oil Co since 1979 and is also the owner of Persico True Value Hardware in Ravena, New York, a company founded in 1982. Mr. Persico was elected to the NBC Board of Directors in 1991 and was elected Chairman in 2018.
Mr. Persico joins the BSNB Board with a lifelong commitment to building and maintaining relationships with customers and employees. He is dedicated to ensuring each bank maintains its community identity as it expands, fostering a deep understanding of customer needs and empowering employees to make informed decisions to support their customers and communities.
Mr. Persico recognized significant potential in the combined organization and the opportunities it creates for stakeholders across the region. “I'm amazed at the synergy of this union,” he says. “After looking at the combined size of the bank, I thought, 'This is incredible.' It's good for the communities, employees, and shareholders. It really was a perfect union.”
When he’s not engaging with customers or attending board meetings, Mr. Persico can be found fishing or watching the sunrise at Galway Lake.
Joseph Warren is an attorney who served as the President of State Telephone Company until his retirement in 2025, overseeing the company’s growth from a small phone provider to a competitive internet provider. He was appointed to the NBC Board of Directors in 1992. He is deeply involved in his community through his professional experiences and joins BSNB’s Board with a desire to protect and expand local decision-making capabilities.
After guiding his own company through the technology revolution, Mr. Warren will offer critical perspective on navigating change at the institutional and industry levels. His vision for BSNB’s future is grounded in community stewardship and integrity.
Mr. Warren believes the merger creates new opportunities to expand service and enhance offerings in the NBC area. “This strategic combination allows us to offer much more,” he says. “Additional products, bigger loans, more resources...I look forward to better serving customers in NBC communities as a result.”
Mr. Warren is an alumnus of Rensselaer Polytechnic Institute (MBA) and Albany Law School. In his spare time, he enjoys walking, windsurfing, bike riding, and ice skating.
“Aaron, Carl, Donald and Joseph each bring a unique perspective shaped by years of leadership, service and involvement in their communities,” noted Christopher Dowd, President & CEO of Ballston Spa National Bank. “Their experience and knowledge of the markets we serve will be an important asset to our Board as we continue to build on the strengths of both organizations to serve our customers with the personal relationships and local decision-making that define community banking.”
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Solvay Bank Announces Caitlin Wynn’s Appointment to UnitiEast Executive Committee.
(Syracuse, NY): Solvay Bank, the oldest community bank in Onondaga County, is pleased to announce the appointment of Caitlin Wynn, Banking Officer and Retail Operations Leader, to the Executive Committee of UnitiEast. This prominent role highlights Caitlin’s leadership, and retail operations expertise to support the ongoing advancement of modern banking technology.
UnitiEast is a collaborative network that unites financial institutions to exchange insights, share ideas, and implement best practices within the digital product and software space. Its diverse membership ranges from small community banks to institutions with assets exceeding $6 billion, serving communities all along the Eastern Seaboard.
Composed entirely of users from member banks, the Executive Committee plays a vital role in shaping the organization's future. In her new position, Caitlin will foster industry collaboration and shared experiences, including assisting with the planning of the annual conference. Her appointment reflects her strong professional track record and her drive to advance fintech innovations within banking.
Founded in 1917, Solvay Bank is the oldest community bank established in Onondaga County. Solvay Bank has ten branch offices located in Solvay, Baldwinsville, Camillus, Cicero, DeWitt, East Syracuse, Liverpool, North Syracuse, Westvale, downtown Syracuse in the State Tower Building, and a commercial lending presence in the Mohawk Valley. Solvay Bank’s Insurance Agency, Inc. is a full-service general insurance agency. For more information about Solvay Bank, visit solvaybank.com.
| | Associate and Preferred Partners | | |
Employee Recruitment, Selection, and Placement
- Recruitment standards for effective hiring
- Training importance for less-qualified applicants
- Selection tools and testing methods
- Behavioral traits for role alignment
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Situational and Behavioral Interviewing
- Purpose of employment interviews
- Job analysis improves interview success
- Using structured interviews
- Situational and behavioral questions
- Individual vs. panel interviews
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Driving Employee Engagement
- Engagement vs. satisfaction and commitment
- Engagement’s impact on performance
- How engagement evolves over time
- Key drivers of engagement
- Strategies to boost retention and performance
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Creating an Accountability Culture
- Accountability issues and impact
- Barriers to accountability
- Improving individual accountability
- Strategies for mutual accountability
| | This program has been pre-approved for 12 HR (General) recertification credit hours toward aPHR®, aPHRi™, PHR®, PHRca®, SPHR®, GPHR®, PHRi™ and SPHRi™ recertification through HR Certification Institute® (HRCI®).“ The content of the program submitted has met the criteria for Recertification Provider Program. | | |
Author: Dale Sheller
Managing Director & Director of Financial Strategies Group, The Baker Group
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Featured Insight
In today’s evolving interest rate environment, community financial institutions are facing a critical question: What if the expected Fed rate cuts never materialize? In this month's featured article, Dale Sheller, Managing Director and Director of Financial Strategies Group at The Baker Group, examines how changing economic conditions could impact net interest margins and why institutions should focus on building resilient balance sheets rather than relying on future rate cuts. His timely analysis offers practical strategies to help financial institutions protect earnings and position themselves for success—regardless of the Fed’s next move.
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ICBA 2026 Educational Offerings
Thank you for your continued support of both IBANYS and ICBA Education. As we work together to serve the community banking industry, our shared goal is to deliver comprehensive, high-quality training solutions that empower community banks to succeed.
To further streamline processes and enhance the overall experience for our bankers, we are retiring the State Affiliate code from transaction purchases. While this change also eliminates the associated revenue share, ICBA remains steadfast in its commitment to supporting our state association through a variety of educational programs and collaborative initiatives.
Thank you for your continued support as we work together to achieve shared goals and create meaningful impact.
Click here to learn more about ICBA offerings including:
- Certification Courses
- Live Events
- Online Courses
- Resources
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State Regulatory News
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DFS PROPOSES BUY NOW, PAY LATER REGS. The New York State Department of Financial Services today proposed regulations to establish a licensing and supervision framework regarding Buy Now, Pay Later (BNPL) loan providers. The proposed regulations are intended to implement legislation included in the FY 2026 Budget establishing DFS oversight of BNPL providers and enhancing consumer protections for users of BNPL products. The proposal is subject to a 60-day comment period upon today’s publication in the State Register. DFS will then review all received comments and issue a revised proposal or a notice of adoption of the final regulation. A copy of the proposed regulation and instructions for submitting comments can be found on the Department’s website.
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HOCHUL’S DATA CENTER E.O. & BANKS. The American Banker (subscription required) reports that while Gov. Hochul signed an executive order Tuesday that stops the state from issuing environmental permits for the largest data centers in its development pipeline, the order itself is not expected to have a big effect on banks or the credit market.
Economic & Political Landscape
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NY FED PRES. WILLIAMS: INFLATION HAS PEAKED, SHOULD EDGE DOWN. New York Federal Reserve President John Williams today said he sees multiple signs that inflation has peaked, allowing the Fed to hold interest rates in place despite market expectations for a hike in coming months. Williams provided five reasons he expects the latest price surge has run its course. He noted “encouraging reasons to expect that inflation has peaked and should edge down in coming quarters. I expect overall inflation to decline to around [3.25%] by year-end, then continue on a glide path toward our 2% goal in 2027 and land on target in 2028." He added growth in the economy is solid and on trend, and the labor market is likewise solid and stable…but…it is imperative that we restore it to the Federal Reserve’s 2% longer-run goal on a sustained basis. The current stance of monetary policy is well positioned to do that.” The markets still expect the Fed to hike as soon as September, and in June, Williams’ colleagues on the Federal Open Market Committee penciled in one quarter-percentage-point increase by the end of the year. Read Williams’ remarks. https://www.newyorkfed.org/newsevents/speeches/2026/wil260715
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FISCAL WATCHDOG’S WARNING. The Citizens Budget Commission (CBC) a "nonpartisan, nonprofit civic organization whose mission is to achieve constructive change in the finances and services of New York City and New York State government," unveiled a new dashboard entitled the “Value Proposition Tracker.” It provides “detailed — and troubling — data” about the state’s population loss, economic activity and education outcomes. The CBC’s “competitiveness dashboard” measures the state by combining multiple data points, including jobs, GDP, per capita income, child poverty, population and public-school enrollment. Read More.
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GOOD JOB OPPORTUNITIES IN ROCHESTER, BUFFALO. Job seekers looking to launch a career may want to consider Upstate New York, where two cities were ranked among the best places in the country to begin a professional journey. WalletHub’s annual ranking of the best U.S. cities to start a career included both Rochester and Buffalo, which were ranked No. 36 and No. 109, respectively, out of 182 cities evaluated. See the full ranking at WalletHub.
Legislative Items
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HOW WAS THE ’26 NY LEG SESSION FOR COMMUNITY BANKS? Have you read IBNYS’ summary? The State Senate and Assembly won't return Albany until January 2027, when a newly elected Legislature will be seated. IBANYS has provided a detailed report on what relevant legislation passed – and did not pass — this session. Read IBANYS’ Summary here. You can also visit https://ibanys.net/newsletters/ and read the June 10 IBANYS newsletter for more coverage,.
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UNRESOLVED STATE LEG PRIMARIES. Hand recounts are underway at Board of Election offices for three undecided primary contests for state legislative seats – Manhattan’s 66th Assembly District, Queens’ 30th Assembly District and Brooklyn’s 22nd state Senate District, NY1 reports.
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Congressional News
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NEW HOUSING BILL (WITH COMMUNITY BANK REG RELIEF PROVISIONS) TAKES EFFECT. The bipartisan housing legislation that passed both the House and Senate -- and which includes several ICBA-advocated community bank regulatory relief provisions -- took effect Friday night since the 10-day period expired without a veto. (President Trump neither signed nor vetoed the bill.) Read ICBA’s national news release.
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LATEST ON THE CLARITY ACT. The Senate continues its consideration of the CLARITY Act. and ICBA shared a new letter to Senate Majority Leader Thune and Minority Leader Schumer from ICBA, ABA and 76 state associations (including IBANYS) representing thousands of community financial institutions across the country. The letter expressed concerns with the Clarity Act as written, and urged targeted changes to provide greater certainty that payment stablecoins cannot function as substitutes for bank deposits. ICBA economic data analysis showed failing to extend the yield prohibition could reduce community bank lending by $850 billion due to a $1.3 trillion reduction in the industry’s deposits. ICBA also sharded the with all U.S. Senate offices and with key industry publications and media outlets. Read the full letter.
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ICBA believes broad engagement from the state associations on the Clarity Act will reinforce the importance of ensuring that stablecoin-related provisions do not create unintended competitive disparities for community banks. ICBA urged community bankers to share the letter with their Senators and Senate contacts to help support advocacy efforts. IBANYS strongly agrees: Read IBANYS' Action Alert.
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SEN. GRAHAM’S SISTER SWORN IN TO REPLACE HIM. South Carolina Gov. McMaster appointed Darline Graham Nordone, Sen. Graham’s sister, to serve the balance of her late brother’s term that expires in January. She was sworn in yesterday. Both President Trump and Senate Banking Chairman Tim Scott (R-SC) had endorsed her appointment. https://rollcall.com/2026/07/14/darline-graham-sworn-in-senate-sister/?utm_source=morningheadlines&utm_medium=email&utm_campaign=newsletters&utm_content=07/15/2026. She could choose to run in the August 11 special GOP primary, or decide to just serve out the remainder of Graham’s term. Several other Republicans are interested in running for the seat, including Reps. Nancy Mace and Rep. Ralph Norman and Lt. Gov. Pamela Evette and businessman Mark Lynch. If no candidate wins the primary outright, there will be a runoff on Aug. 25. The eventual GOP nominee will face Democrat Annie Andrews in November. Here’s more on who Andrews is.
Regulatory Activities
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FED CHAIR WARSH: MISSION NOT ACCOMPLISHED. In remarks for delivery to congressional committees this week, Fed Chairman Warsh ramped up his recent tough talk on inflation, touted the strength of the U.S. economy and cited the benefits coming from business investment, particularly involving artificial intelligence. Warsh discussed Tuesday’s U.S. Bureau of Labor Statistics report that consumer prices posted an unexpectedly sharp 0.4% drop in June, taking the annual inflation rate down to 3.5%. It was the largest one-month price decline since April 2020 but still left the Fed well short of its inflation target. Warsh told the House Financial Services Committee: “There might be some that look at this morning’s data and say, ‘Oh, mission accomplished, everything is swell.’ That is not my view.” He called inflation an “unfair burden…It has been a tax on the American people and businesses. We plan on getting rid of that tax. That means we need a regime change in policy, and we need new consideration of practices, some of which have been working, some of which haven’t.”
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NEC DIRECTOR: NO ARGUMENT FOR FED RAISING INTEREST RATES. National Economic Council Director Kevin Hassett said Wednesday he sees no argument for raising interest rates in light of the latest data on the U.S. economy, including an “amazing” inflation report. “There’s not really an excuse for raising rates right now.” Hassett expects the Fed will “be thinking the other way,” meaning lowering interest rates, if the data trends continue. He added the White House is expecting Fed Chair Kevin Warsh will “drive the committee to the right answer.”
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CONTACT THE FED. ICBA is urging community bankers to contact the Federal Reserve regarding its proposal to create a payment account —also known as a "skinny” master account—for institutions outside the traditional banking system The Fed’s proposal would allow eligible entities to clear and settle payments directly through services such as Fedwire and FedNow without obtaining a full master account. Use ICBA’s Be Heard grassroots action center to tell the Fed the proposal could also divert deposits and payment activity away from the community banks that support local economic development. Comments are due by July 27.
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CREDIT RISK MANAGEMENT. Federal financial services regulators (the OCC, FDIC, and National Credit Union Administration) issued guidance to banks on credit risk management as it relates to borrowers who are not legally authorized to work in the United States. In accordance with President Donald Trump’s May 19 “Restoring Integrity to America’s Financial System” Executive Order (EO) the OCC, FDIC, and National Credit Union Administration. Read ICBA’s letter to Treasury Secretary Scott Bessent and the National Economic Council Director stating any such mandate would impose substantial burdens on community banks, which already operate under rigorous know-your-customer and due diligence requirements. Read ICBA’s news release after the release of the EO, ICBA said the order recognizes community bank BSA requirements while reiterating that policymakers must avoid information collection requirements that impose substantial burdens on community banks.
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FED'S BOWMAN: REG FRAMEWORK MUST EVOLVE. Fed Vice Chair/Supervision Bowman said the financial system is constantly evolving and the regulatory and supervisory framework must keep pace. Bowman said four principles should guide these efforts – including by prioritizing material financial risks and by tailoring regulation and supervision to be commensurate with each institution's risk profile. Bowman noted: “A community bank offering only traditional lending products does not present the same risks as a multi-trillion-dollar institution with global operations and complex trading activities. When we design standards for the most complex institutions and apply them to simple, non-complex institutions, we create inefficiency and burden without corresponding benefits or improved outcomes.”
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LATEST ON CFPB. The House Financial Services Committee is holding a hearing featuring testimony from CFPB Acting Director Vought on the CFPB’s Semi-Annual Report, changes underway at the bureau, and reforms needed to ensure it remains accountable, transparent, and focused on its consumer protection mission. (President Trump has nominated former Deputy CFPB Director Brian Johnson to replace Vought when his acting status expires later this summer.) Read Director Vought's testimony as prepared for delivery: https://docs.house.gov/meetings/BA/BA00/20260715/119453/HHRG-119-BA00-Wstate-VoughtR-20260715.pdf. . .Read Chairman Hill's remarks as prepared for delivery: https://financialservices.house.gov/news/documentsingle.aspx?DocumentID=411193
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