Oklahoma Bankers Association We make bankers better!
In This Issue…
- From Adrian’s desk …
- Agencies raise asset threshold for 18-month exam cycle
- New tool available for state examiners to assess AI risks
- Deadline this week: OBA Emerging Leaders Academy taking applications
- OBA Oktoberfest Golf Tournament scheduled
- OBA education corner …
From Adrian’s desk …
By Adrian Beverage
OBA President & CEO
Just some random tidbits that might be of interest to our bankers this week!
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Just a short piece today as we’re knee-deep in our Annual Washington Visit right now! The trip has already been a success and we still have several meetings left on our agenda for today.
I wanted to share a few pictures that Megan has taken so far!
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The Big Red stayed undefeated with a big win over North Dakota this past weekend. It was a bit funny as earlier in the week Jeremy and I were trying to decipher if this “Dakota” was the “good Dakota” that seems to pull an upset every year. Upon further review, THIS wasn’t THAT “Dakota” (which is actually “North Dakota STATE“) but I didn’t let any of this or that ruin an undefeated start to the season for my ‘Huskers!
Agencies raise asset threshold for 18-month exam cycle
Federal banking agencies (Office of the Comptroller of the Currency, the Federal Reserve Board, and the Federal Deposit Insurance Corporation) issued an interim final rule last week that doubles the asset threshold for small insured depository institutions to be eligible for an extended 18-month on-site examination cycle.
Eligibility for the 18-month cycle does not apply automatically. To qualify, a bank with fewer than $6 billion in total assets must also:
- Be well capitalized under the prompt corrective action framework;
- Have received a CAMELS management component rating of 1 or 2 at its most recent examination;
- Have received at its most recent examination a composite rating of 1 or, if the IDI has $200 million or less in total assets, 1 or 2;
- Not be subject to a formal enforcement proceeding or order; and
- Not have undergone a change in control during the prior 12-month period.
New tool available for state examiners to assess AI risks
The Conference of State Bank Supervisors released a new tool to help state examiners understand and assess risks from artificial intelligence at financial institutions.
The CSBS AI Supervisory Framework is an optional tool that state examiners can use to assess AI-related risks at state-chartered banks and state-licensed financial institutions, as well as determine when a deeper review may be appropriate, according to the organization. It is designed to consider each institution’s size, complexity, risk profile and use of AI
Financial institutions can also use the framework to assess their own AI programs, establish sound AI governance and risk management, and prepare for examinations, CSBS said.
Each state financial regulatory agency will determine the extent to which this framework is incorporated into its supervisory programs.
Deadline this week: OBA Emerging Leaders Academy taking applications
Take note the OBA 2026-27 Emerging Leaders Academy is currently accepting applications. We’re looking for the best and brightest bankers who seek to sharpen their leadership skills.
There are six sessions to the Academy: Nov. 4, Dec. 8, Jan. 22, Feb. 24, March 25, April 29. Each session delivers takeaways that can be implemented immediately. Graduation will take place in May 2027 at the OBA Annual Convention.
Academy applicants should be able to demonstrate an increasing level of responsibility, potential for continuing to play a leadership role in Oklahoma banking and a desire to further their careers and grow professionally. A panel of bankers will review the applicants and choose those accepted into the Academy (maximum 30 bankers).
Click here to apply! The application deadline is Sept. 25. For more information, please contact Megan McGuire at megan@oba.com or (405) 424-5252.
OBA Oktoberfest Golf Tournament scheduled
Show off your golfing skills or simply join your banking peers as a social registrant at 2026 OBA Oktoberfest Golf Tournament on Oct. 19 at Cherokee Hills Golf Club at the Hard Rock Hotel & Casino in Catoosa.
The tournament fee is $150 and the registration deadline is Oct. 14. The tournament will begin with registration and lunch. Immediately following the tournament, we will hold an awards ceremony. Sign up now to reserve your spot. We hope to see you on the course!
Not golfing? Join your banking peers as a social attendee for lunch, refreshments and fellowship on the patio. Social attendee registration fee is $50. If you are interested in sponsorship opportunities, contact Thi Pham.
Tournament Schedule
10 a.m. — Registration
11 a.m. — Lunch
12 p.m. — Shotgun Start
Immediately Following Golf — Awards
OBA education corner …
The cool weather is here! OK, so actually its just “cooler” weather, but upper 80s and lower 90s are sure a whole heckuva lot better than 100 degrees. As we wave bye-bye to the heat dome, make sure to keep up with what’s happening on the continuing education front, including the following:
- The Right of Setoff: What Bankers Need to Know, Sept. 30, webinar — The right of setoff is a complicated, but very effective, tool for collecting debts owed to a financial institution. Learn the best practices and dangers that can arise when using this process.
- Security Officer Fundamentals, Sept. 30, webinar — In this session we will review the minimum-security guidelines outlined by the Bank Protection Act to discourage robberies, burglaries and larcenies and to assist in the identification and apprehension of persons who commit such acts.
- Legal Issues of Checks, Oct. 1, webinar — Having an understanding of endorsements and handling checks is crucial to making sound check cashing decisions.
- How to Ensure Cybersecurity When You Outsource, Oct. 7, webinar — This session explores the real and growing threat of cyberattacks targeting financial institutions and their external partners.
- Avoiding Check Fraud Liability: From Prevention to Loss Allocation, Oct. 7, webinar — This webinar provides attendees with tips to avoid check fraud losses, as well as an overview of the laws that apply to loss allocation when check fraud occurs.
- Compliance Checklists for Commercial Loans, Oct. 12, webinar — This webinar will present and explain a checklist designed to help lenders and processors deal with the various compliance issues that apply to commercial loans.
- Completing a SAR: ID Theft, Elder Fraud, Cash and Check Transactions, Oct. 13, webinar — We will look at some of the hot crimes of 2026 and how to complete the SAR to best help our law enforcement community.
- Fraud and Cashier’s Checks: Best Practices for Avoiding Loss, Oct. 14, webinar — Learn about the unique risk cashier’s checks pose to financial institutions and the best practices for limiting losses when processing these transactions.
- 2026 IRA Basic and Advanced Issues, Basics: Nov. 3-Tulsa, Nov. 5-Oklahoma City; Advanced: Nov. 4-Tulsa; Nov. 6-Oklahoma City — IRA providers are scrambling to adjust their policies, procedures, forms and communications to comply with the ongoing substantive changes to the laws governing IRAs.
- 2026 Real Estate Lending Compliance, Sept. 30-Oct. 1, Oklahoma City — This two-day seminar provides a practical review of the major federal laws and regulations governing residential real estate lending.
- 2026 OBA Operations School, Nov. 16-20, Oklahoma City — This school is designed to prepare junior-level officers to mid-level operations managers to manage effectively and efficiently an operations function within a bank.