The Community Bank Podcast

Today we sit down with our own James Tippit, EVP and Director of Team Development here at SouthState. We discuss the term "Team of Teams" coined by General Stanley McChrystal and how it can be implemented at your bank to improve collaboration, communication, and organizational effectiveness. The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees SouthState Bank, N.A. - Member FDIC

Today we sit down with Will Bryant, Co-Founder of Quantalytix. We discuss how your bank can build a strategy to get the most of your institution's data. The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees. SouthState Bank, N.A. – Member FDIC

Today we bring on Will Tumulty, CEO of Rapid Finance. He talks to us about how community banks can update their technology roadmaps to enhance their small business lending. Learn more and register for Elevate here. The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees. SouthState Bank, N.A. - Member FDIC

Today we talk with Greg Adelson, CEO of Jack Henry. We dive into technology, AI, cybersecurity, open banking, and several other topics in depth. These are all topics community banks should consider when looking at their technology roadmaps. The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees. SouthState Bank, N.A. - Member FDIC

Today our own Chris Nichols sits down with Jaye Eubanks from United Bank in Georgia. Jaye shares how he and his team use the "EOS" operating system to increase team productivity and performance. The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees SouthState Bank, N.A. - Member FDIC

Today we talk with Christian Ruppe, Chief Innovation Officer of Colony Bank in Georgia. Christian talks about the strategic technology and innovation initiatives Colony has invested in to continue serving their customers with excellence. VIEW AGENDA AND REGISTER FOR THE ELEVATE BANKING FORUM HERE The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees SouthState Bank, N.A. - Member FDIC

Today Chris Nichols sits down with Matt Quale, who serves as President of Digital Banking at Forbright Bank. He has decades of experience in consumer experience, technology, and financial services, having held leadership roles at Texas Capital Bank, Bask Bank, Brighthouse Financial, MetLife, American Express, WebMD, McKinsey, ConAgra, Coca-Cola, and General Mills. Chris and Matt dive into the methodology behind creating a high-performing digital strategy through technology, marketing, and traditional bank strategy. REQUEST YOUR SPOT FOR OUR COMMUNITY BANK SUMMER PERFORMANCE SERIES HERE The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees. SouthState Bank, N.A. – Member FDIC

Today we bring on Owen LaFave, Market President at the Bank of Tampa. He tells us all about how he uses LinkedIn to create value for himself and his bank. Owen's advice in today's episode could inform your LinkedIn strategy to create value for your clients and to meet new prospects. Learn more about The ARC Program here. The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees. SouthState Bank, N.A. - Member FDIC

Today SouthState's own Mark Thompson, Banking Group President of Florida, joins us. With over 40 years of banking experience, he shares a wealth of knowledge with us. We discuss the current landscape for commercial lending, what to look for when hiring commercial lenders, and how to keep the "small feel" in a growing bank. Learn more about Loan Command here. The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees SouthState Bank, N.A. - Member FDIC

Today we bring back Sim Cheema, who works on our ARC Team here at SouthState. We talk about the current Fed policy, the economic environment, and what all that means for you and your lenders at your bank. Learn more about ARC here. Learn more about the Community Bank Summer Performance Series here. The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees SouthState Bank, N.A. - Member FDIC

Today our own Chris Nichols sits down with Nathan Stovall from S&P Global Market Intelligence. They discuss current trends in the banking industry including the outlook for deposit growth and costs, the forecast for credit quality, bank M&A, regulation, and many other great topics. Learn more about The Deposit Conference! The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees. SouthState Bank, N.A. – Member FDIC

Today we sit down with William Warren, Founder of The Sketch Effect — a visual communications agency that works with brands like Chick-fil-A and Delta Airlines. William talks about the importance of visual storytelling, why it's so overlooked in the business world, and how to inspire and lead the creatives on your team. REQUEST YOUR SPOT FOR OUR COMMUNITY BANK SUMMER PERFORMANCE SERIES HERE The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees SouthState Bank, N.A. - Member FDIC

Today our own Chris Nichols sits down with Raphael Reznek, Chief Technology Officer of Mascoma Bank. They discuss bank architecture and focus on leveraging technology to your bank's benefit in the current, evolving world around AI. Learn more about and register for Elevate here! The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees. SouthState Bank, N.A. – Member FDIC

Today we feature an internal conversation with Curtis Campbell, SouthState Bank's Director of Cybersecurity Training and Education. She discusses the importance of having a plan for cybersecurity and ensuring that your bank's team members are well-equipped to defend against cyber threats. LEARN MORE ABOUT ELEVATE HERE. The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees. SouthState Bank, N.A. – Member FDIC

Today Tom Fitzgerald sits down with series regular Joe Keating. They discuss the latest trends in the current economy and the outlook for interest rates. LEARN MORE ABOUT ELEVATE HERE. The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees. SouthState Bank, N.A. – Member FDIC

This week we throw it back to one of our favorite conversations we had in 2021 with Jesse Cole, Founder of the Savannah Bananas baseball team. REGISTER FOR THE ELEVATE BANKING FORUM HERE The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees SouthState Bank, N.A. - Member FDIC

This week we throw it back to one of our favorite conversations we had in 2023 with Mark Miller, Former VP of High Performance Leadership at Chick-fil-A. REGISTER FOR THE ELEVATE BANKING FORUM HERE The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees SouthState Bank, N.A. - Member FDIC

Today we sit down with Josh Etress, Chief Operating Officer of Anchor Investments. He shares how he adds value to his great and growing LinkedIn following and how bankers just like you can too. Josh also discusses his experiences with leadership as both leader and follower, as well as his insights on commercial real estate. REGISTER FOR ELEVATE HERE. The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees. SouthState Bank, N.A. – Member FDIC

Today we sit down with Jeff Hancher who shares his thought leadership, particularly related to delivering feedback as leaders, founded in his own experiences and ideologies. Consider picking up his upcoming book, Firm Feedback in a Fragile World, which "is your guide to giving honest, impactful feedback without breaking trust or morale." REGISTER FOR ELEVATE HERE. The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees. SouthState Bank, N.A. – Member FDIC

Today Caleb Stevens sits down with Chris Bates from Agora Eversole for a wide-ranging conversation on bank marketing. DOWNLOAD OUR FREE LOAN PRICING VIDEO SERIES HERE The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees. SouthState Bank, N.A. – Member FDIC

Today Chris Nichols sits down with Craig Rodenberger, Chief Marketing Officer of Ephrata National Bank. Craig shares how they bank the Amish community and what it looks like to create remarkable experiences for your clients. TAKE THE ARC GUIDED TOUR HERE The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees SouthState Bank, N.A. - Member FDIC

Today we sit down with Eric Corrigan with MJC Partners to discuss M&A and capital raising. He tells us all about what community banks should be paying attention to when it comes to M&A deals, whether it's imminent or something farther out on the horizon for your bank. TAKE THE ARC GUIDED TOUR HERE The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees.

Today we sit down with Randy Goggans, Founder and CEO of BankerBounty. He tells us about his beginnings into banking and how his experience has resulted in BankerBounty and how he helps banks like yours foster a relationship culture through it. TAKE THE ARC GUIDED TOUR HERE The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees.

Today, Tom Fitzgerald and Joe Keating sit down to discuss the economic outlook as we near the end of the 2025 first quarter. They touch on current economic trends, projections, and the impacts of tariffs, rates, and various other topics. TAKE THE ARC GUIDED TOUR HERE The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees. SouthState Bank, N.A. – Member FDIC SouthState Wealth represents the collective departments and subsidiaries of SouthState Bank, N.A. that provide wealth management services. Products and services are not bank deposits, nor are they insured, and are not backed or guaranteed by SouthState Bank, N.A. or its affiliates. Securities involve investments risks, including possible loss of principal.

Today our own Chris Nichols sits down with Mike Fletcher, President and Co-Founder of Qualtik, to discuss the latest trends in commercial credit. TAKE THE ARC GUIDED TOUR HERE The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees SouthState Bank, N.A. - Member FDIC

Today Chris Nichols sits down with three of SouthState Bank's team members, Tiffany Metelsky, Kunal Das, and Karissa Herns. They discuss our recent Data Build-a-thon, where 58 internal participants were asked to analyze data and identify and present opportunities for increased sales, marketing strategies, or customer satisfaction. First-place winner Karissa shares her thoughts and event organizers Tiffany and Kunal tell Chris all about how a bank can tap into its internal talent through similiar competitions. LEARN MORE ABOUT THE ARC PROGRAM The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees. SouthState Bank, N.A. - Member FDIC

Today, SouthState's Chris Nichols sits down with Steve Ramirez, Founder of Beyond the Arc, where they offer B2B payment strategies for banks. They discuss the current trends and best practices for how banks can market payments. GET OUR NEW EBOOK: TOP 12 WINNING STRATEGIES FOR COMMUNITY BANKS IN 2025 The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees. SouthState Bank, N.A. - Member FDIC

Today we sit down with Russ Hill, co-Founder of Lone Rock Consulting and Lead In 30. We talk about the importance of creating clarity as a leader, leading through change, the relationship between AI and leadership, and several other great topics. DOWNLOAD OUR FREE LOAN PRICING VIDEO SERIES HERE The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees. SouthState Bank, N.A. – Member FDIC

Today we sit down with Stephen Coleman, former Bank OZK executive and Founder of Relativity Holdings, where they build enterprise-level software and technology solutions for banks like yours. We discuss the changing tech landscape in banking and how community banks should approach forming strategic fintech partnerships. DOWNLOAD OUR FREE LOAN PRICING VIDEO SERIES HERE The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees. SouthState Bank, N.A. – Member FDIC

Today we sit down with Karl Nelson, Founder and CEO of KPN Consulting. He gives us a recap of the community banking landscape since the Covid pandemic and describes what 2025 could hold for community banks. DOWNLOAD OUR FREE LOAN PRICING VIDEO SERIES HERE The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees. SouthState Bank, N.A. – Member FDIC

Today we sit down with Chris Nichols and Ed Kofman. They discuss our e-book, "The Top 12 Winning Strategies for Community Banks in 2025," going into detail on the principles to succeed this year. GET OUR NEW EBOOK: TOP 12 WINNING STRATEGIES FOR COMMUNITY BANKS IN 2025 The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees. SouthState Bank, N.A. - Member FDIC

Today we sit down with Steve Williams, CEO and Founding Partner of Cornerstone Advisors. We discuss the community banking landscape for 2025 and the traits every successful bank executive must possess to succeed in today's banking environment. The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees. SouthState Bank, N.A. - Member FDIC DOWNLOAD OUR FREE LOAN PRICING VIDEO SERIES HERE

Today we bring back Joe Keating, SVP & Senior Portfolio Manager here at SouthState, to provide his economic outlook for 2025. The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees. SouthState Bank, N.A. – Member FDIC SouthState Wealth represents the collective departments and subsidiaries of SouthState Bank, N.A. that provide wealth management services. Products and services are not bank deposits, nor are they insured, and are not backed or guaranteed by SouthState Bank, N.A. or its affiliates. Securities involve investments risks, including possible loss of principal.

Today we bring back a longtime friend of the show, Jack Hubbard from St. Meyer & Hubbard. Jack has trained and coached over 80,000 bankers, helping them become "resource managers" (not simply "lenders") for their clients. We talk about what it will take for lenders to be successful in 2025, plus several other topics. The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees SouthState Bank, N.A. - Member FDIC

In our final episode of 2024, Chris Nichols sits down with Steve Smith from Accenture to discuss the future of bank branching. GET OUR NEW EBOOK: TOP 12 WINNING STRATEGIES FOR COMMUNITY BANKS IN 2025 The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees SouthState Bank, N.A. - Member FDIC

This week we feature clips from 8 of our favorite shows we recorded in 2024. Thanks for listening! The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees SouthState Bank, N.A. - Member FDIC

Today we sit down with Davis Stewart and Gene Kirby from Heitmeyer Consulting to discuss the best strategies for effectively managing vendor relationships at your bank. GET OUR NEW EBOOK: TOP 12 WINNING STRATEGIES FOR COMMUNITY BANKS IN 2025 The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees. SouthState Bank, N.A. - Member FDIC

Today we shine the spotlight on Katie Wahlquist and her bank, Star Bank, in Minnesota. We discuss Katie's family roots in banking and their plans to remain competitive and customer-centric in the coming years. GET OUR NEW EBOOK: TOP 12 WINNING STRATEGIES FOR COMMUNITY BANKS IN 2025 The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees SouthState Bank, N.A. - Member FDIC

Today we bring on Daniel and Joseph Ahn from DelFi to discuss the value of AI in managing your bank's balance sheet. GET OUR NEW EBOOK: TOP 12 WINNING STRATEGIES FOR COMMUNITY BANKS IN 2025 The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees SouthState Bank, N.A. - Member FDIC

Today we sit down with Brian Love and Keith Daly from the Travillian Group. We discuss the keys to succession planning and the importance of attracting and developing young talent at your GET OUR NEW EBOOK: TOP 12 WINNING STRATEGIES FOR COMMUNITY BANKS IN 2025 The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees SouthState Bank, N.A. - Member FDIC

Today we bring on Jackie Smith, Director of Public Relations at SouthState, as well as Vincent Ascolese, Social Media and Public Relations Manager. Together we discuss the 5 keys to managing PR and social media well at your bank. The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees SouthState Bank, N.A. - Member FDIC

Today we bring back on Jeremie Kubicek, CEO of GiANT Worldwide. Jeremie has spoken to thousands of leaders and written mutiple best-selling books on leadership, culture, and self-awareness. Today we discuss Jeremie's book and assessement, The 5 Voices, and how it can help leaders improve their self-awareness and ability to lead others. Take the 5 Voices Assessment: HERE Learn to get 5 Voices Certified: More Info and Sign Up here The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees SouthState Bank, N.A. - Member FDIC

Today we feature our final backstage episode from the Elevate Banking Forum. Chris Nichols (Director of Capital Markets at SouthState) and Nathan Stovall (Director of Financial Institutions Research at S&P Global Market Intelligence) discuss the current state of the banking industry. Download the Presentation Slide Deck Here The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees SouthState Bank, N.A. - Member FDIC

Today we play a backstage interview from our recent Elevate Banking Forum in Birmingham, AL. We talk with Kevin Scott, one of our keynote speakers at the event, about what it looks like to create emotional connections both with your clients and employees. The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees SouthState Bank, N.A. - Member FDIC

Today we have some fun and provide an example of how AI tools like NotebookLM can help community banks in a vareity of ways. The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees SouthState Bank, N.A. - Member FDIC

Today we feature the replay from our October 1st webinar, Finishing 2024 Strong: Keys to Loan Pricing and Production. CLICK HERE TO DOWNLOAD THE WEBINAR SLIDES The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees SouthState Bank, N.A. - Member FDIC

Today we are joined by Ron Buck, CEO of the Performance Insights Team. Ron talks about the implications of AI for community banks and specifically how AI can help their lenders close more deals. The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees SouthState Bank, N.A. - Member FDIC

Today we're joined by KBW CEO, Tom Michaud, to discuss the key banking storylines going into Q4. The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees SouthState Bank, N.A. - Member FDIC

Today we sit down with Mark Kanaly, Partner at Alston & Bird to discuss the key trends every community banker should be paying attention to. The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees SouthState Bank, N.A. - Member FDIC

Today Tom Fitzgerald and Joe Keating discuss the Fed's recent Jackson Hole symposium, outlook for monetary policy, and overall implications for the broader economy. VIEW AGENDA AND REGISTER FOR THE ELEVATE FORUM HERE The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees SouthState Bank, N.A. - Member FDIC SouthState Wealth represents the collective departments and subsidiaries of SouthState Bank, N.A. that provide wealth management services. Products and services are not bank deposits, nor are they insured, and are not backed or guaranteed by SouthState Bank, N.A. or its affiliates. Securities involve investments risks, including possible loss of principal.