over-regulation drives consolidation, and that’s not good for Kansas.” Wareham points to the decline in the number of Kansas banks—from 370 two decades ago to 195 today—as a sign of concern. “If we lose too many small banks, we lose local leadership. Bankers serve on school boards, city councils, and economic development committees. They are community builders.” For KBA, sustainability isn’t just about profit margins—it’s about people, partnerships, and place. The Kansas Bankers Association is more than an advocate for financial institutions—it’s a champion of community. Through legislative leadership, educational outreach, fraud prevention, and a deep commitment to its members, KBA ensures that Kansas banks are not only secure, but essential engines of local growth and prosperity. As Wareham puts it, “You can’t have a sustainable community without a sustainable bank. And we’re here to make sure both survive—and thrive—for generations to come.” hardware, or hiring IT talent, the cost is substantial.” KBA now hosts an annual technology conference and helps members implement robust cybersecurity policies. But Wareham believes the best defense is still personal: “In small towns, customers know their bankers. That relationship is priceless. If someone sees a suspicious transaction, they can walk in and talk to someone they trust.” LOOKING AHEAD: SUSTAINABILITY AND ADVOCACY As KBA looks to the future, its focus remains clear: sustaining community banking and supporting the institutions that anchor local economies. Wareham is especially optimistic about regulatory improvements under newly appointed Federal Reserve Vice Chair for Supervision, Miki Bowman—a native Kansan and former state bank commissioner. “We’re hopeful this signals a shift toward smarter regulation,” he says. “We’re not anti-regulation, but PREFERRED VENDOR/PARTNER n Kansas Bankers Association www.ksbankers.com 90 BUSINESS VIEW MAGAZINE VOLUME 12, ISSUE 09
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