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July 27, 2022

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Banks See Benefits from Single Bank Pooled Collateral Program

Two years after the program's launch on July 1, 2020, the Nebraska Bankers Insurance and Services Company's (NBISCO) Single Bank Pooled Collateral Program (SBPC) continues to add bank participants and public depositors. The 20 banks participating in the program represent 286 public depositors with $.17 billion in deposits. The market value of pledged instruments is $1.9 billion.

Participating banks enjoy the efficiency gained through their involvement with the program, rather than using the traditional method of pledging collateral.

See What Bankers Say About the SBPC

The program allows participating banks to aggregate their total public deposits and pledge collateral against its entire portfolio of public deposits rather than pledging per entity. Pledging to the aggregate improves efficiencies and maintains protections for public deposits.

The SBPC is overseen by the Nebraska Department of Banking and Finance and administered by NBISCO, the for-profit subsidiary of the NBA.

As the needs of banks and other entities change, dialogue with banks, regulators, auditors and public depositors continues, and the SBPC program is regularly refined to meet these needs.

To learn how your bank can experience the benefits of the SBPC program, visit the SBPC website or contact NBISCO Program Administrator Misty (Stoner) Rushing, at [email protected] or 402-904-7060.

Four Steps to an Internal NBA BankPAC Campaign

Uncertain times like these call for time-tested actions. In 2022, the NBA's Political Action Committee (NBA BankPAC) is certainly the time-tested tool we need in our fight against damaging legislative proposals.


You may already support local, state, and national candidates with your individual financial contributions. That’s great, but consider the impact that financial support from thousands of Nebraska bankers can have through NBA BankPAC. Candidates understand the depth of that support because it comes from thousands of bankers across Nebraska. See the list of General Election candidates supported by NBA BankPAC here.


Your bank can get involved by running an internal BankPAC campaign.

There are four simple steps:

  1. Designate an employee to be your bank's BankPAC captain.
  2. Have that person call Jennifer Heaton at the NBA at (402)-474-1555 to receive NBA BankPAC information or visit the BankPAC website.
  3. Discuss the importance of supporting NBA BankPAC at an upcoming meeting with your employees, board of directors and shareholders and encourage them to make individual contributions to NBA BankPAC.
  4. Celebrate the bank’s success!

Learn More

The NBA recently presented an NBA Federal BankPAC contribution to the American Bankers Association (ABA) BankPac. The NBA and ABA political action committees work together to elect pro-banking and pro-business candidates at the federal level.

From L to R: Richard Baier, NBA president & CEO; Rob Nichols, ABA president & CEO; Carissa Rodeheaver, ABA BankPac chair, president & CEO of First United Bank & Trust (Oakland, MD); Scott Anderson, ABA chair, president & CEO of Zions Bank; Stephen Stull, NBA chair, president & CEO of Nebraska Bank (Hickman); and Lydell Woodbury, NBA chair-elect, chairman & CEO of First Nebraska Bank (Valley)

Legislative, Policy & Regulatory Updates

CFPB Preparing Person-to-Person Payment Guidance

In the coming weeks, the Consumer Financial Protection Bureau (CFPB) will release new guidance aimed at person-to-person payment services like Zelle. Banks could face new requirements when a customer is a victim of a scam on the service. Legislation could also be introduced which would expand the instances when a bank would have to make a customer whole after being scammed. The NBA is actively monitoring this issue and will work to protect the interests of its member banks. 

Learn More

FHFA to Formally Review the Federal Home Loan Bank System

During testimony before the House Financial Services Committee, Federal Housing Finance Agency (FHFA) Director Sandra Thompson said the agency would reexamine the approach of the Home Loan banks in the coming months to “ensure they continue to serve the needs of today and tomorrow.” Director Thompson also acknowledged the challenges facing the mortgage market as a result of inflation and rising interest rates.

Learn More

Overdraft Revenue Increased in 2022

The CFPB released a blog post that showed overdraft revenue has increased over the past year, based on the CFPB’s analysis of Call Report data. The CFPB found that recent increases in overdraft revenue are greatest among community and midsize banks. However, the data shows that overall overdraft revenue is down approximately 20% since the onset of the COVID-19 pandemic in 2019.

Learn More

FDIC Proposes Changes to Large, Complex IDI Assessments

In response to the Financial Accounting Standards Board’s recent elimination of accounting guidance for troubled debt restructurings for adopters of the current expected credit loss standard, the FDIC is proposing to update the scorecard it uses to calculate assessments for large and highly-complex insured depository institutions (IDI) to reflect the changes.

Read the Proposal

Upcoming Events

To see the complete event schedule, visit the NBA Event Calendar.

Banks & Bankers

July 20 - 26

Email your news, press releases, photos and/or newspaper articles to be published in Banks & Bankers. Send content to [email protected].

Meet A Banker

NBA Leadership Class of 2024 member Orlena Moyer didn’t plan on a career in banking. But she tried a new job at a bank after college and realized that banking was the right fit for her.


As vice president and loan operations supervisor at Heartland Bank in Riverdale, she assists with all aspects of loan processing, closing and servicing. Orlena believes effective leaders have the ability to identify, develop and utilize the strengths of their resources by encouraging ongoing improvement. She enjoys that the bank allows and encourages its team to be involved in the community.

Learn More

Follow the NBA on social media to meet more Nebraska bankers.

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Intern Spotlights

Mark Karpf is a junior agribusiness major at Midland University. He is a fifth-generation banker who originally did not see himself continuing in the field. But making connections with fellow employees and customers through his internship at Platte Valley Bank in Scottsbluff has made him reconsider his career path.

Learn More About Mark


Noah Hafner is a senior accounting major at Chadron State College. He is also interning at Platte Valley Bank in Scottsbluff. His internship experience has shown him that it’s ok to not understand everything when coming into a new job. He has gained knowledge in how businesses throughout the community work with lenders.

Learn More About Noah

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Contact Laurie Johnson at the NBA at [email protected] or 402-474-1555 with questions.

Connect with High School DECA Members

DECA prepares emerging leaders and entrepreneurs in marketing, finance, hospitality and management in high schools and colleges. Learn more about Nebraska DECA here.


Bankers are encouraged to participate in one of the upcoming DECA events. No prior experience is necessary to judge, and your participation will help build the banking workforce in Nebraska. 


Fall Leadership Conference 

Sponsorship and exhibitor opportunities are available

Oct. 12, 8:00 a.m. to 3:00 p.m. 

Creighton Heider College of Business, Omaha

Sign Up 


First Timers/Fall Competition

Judges needed

Oct. 29, 8:00 a.m. to noon

Millard North High School

Sign Up


Scottsbluff Invite

Judges needed

Nov. 6

Contact Justin Gipe at [email protected]

Agricultural Budget Calculator Workshops Scheduled

Bankers and their ag customers are invited to attend a free workshop to learn about the Agricultural Budget Calculator. 

The Agricultural Budget Calculator is a free enterprise-budgeting and decision-making tool that is designed to assist agricultural managers, producers and bankers in determining their cost of production and projected cash and economic returns for various farm or ranch enterprises. It was developed by the Center for Agricultural Profitability at the University of Nebraska-Lincoln.


  • Aug. 2, Norfolk, 1:30 to 3:30 p.m.
  • Aug. 16, Holdrege, 5:30 to 7:00 p.m.
  • Aug. 18, Lincoln, 10:00 a.m. to noon 
  • Aug. 24, Columbus, 1:00 to 3:00 p.m.


Virtual workshops are also offered periodically.

Learn More and Register

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