Based upon current social distancing guidelines in place, corporate travel limitations, and feedback from our membership, CBAO’s 46th Annual Convention is Going Virtual! We are very excited to announce that this new platform will offer Ohio’s Community Banks an Unlimited All-Access opportunity to experience and participate in:

  • Industry-leading content designed uniquely for community bankers
  • Networking opportunities with Associate Members and Industry Stakeholders
  • Expanded Access and Convenience to all programs for the whole team 


(Subject to change)

Tuesday, August 4

 Community Banking Annual Golf Outing (lunch included)
11:30 a.m. - 12:30 p.m.  - Lunch
12:30 p.m. - Tee time from 1st and 10th Tee

Wednesday, August 5

8:45 – 9:00 a.m.  
Introduction and Welcome!

9:00 – 10:00 a.m. 
Keynote Session:
Bank Strategies for the Future - Peter Weinstock, Partner, Hunton Andrews Kurth
This session will cover strategies for your bank to consider as you map out strategic planning for 2021 and beyond. Topics will include improving customer experience, payment strategies, the importance of data to your institution, M&A planning for the future, and capital opportunities, among others.

-Who should attend: CEOs, CFOs, Directors, Executive Management

 10:15 - 11:15 a.m. 
Legislative Advocacy
Panel Discussion:
Jack Hartings, Past Chairman of CBAO and ICBA
- Robert Palmer, CBAO President & CEO
Aaron Stetter, ICBA Executive Vice President Policy and Political Operations
- Dan Kramer, Executive Vice President, Government and Community Affairs, SHAZAM, Inc.

Legislative Advocacy is an important cornerstone of the community banking industry. During this session, legislative advocates representing the industry, state, and national platforms will openly discuss the significance of the community banking legislative platform. This session will highlight recent achievements, present challenges, opportunities ahead, and why your voice matters.

-Who should attend: Presidents, CEOs, Directors, Stakeholders, and Managers

12:00 – 12:55 p.m. 
Sponsor Networking Break

1:00 - 2:15 p.m.
General Session:
Leading Through Crisis - Tammy Bond, Executive Consultant, The Pacific Institute
Crises do not happen every day, but they do occur several times in every leaderʼs career.  Sadly, when they happen they often take one by surprise, leaving a wake of destruction in their path. This dynamic session, Leading Through Crisis, will teach leaders how to recognize the warning signs of an oncoming crisis, create a defining moment, and then make their mark to avert catastrophe. We will discuss findings of work with leading executives and their team's crisis leadership and detail what it takes to speak truth to power in these crises, and the positive impacts speaking up can have on your organization and career.

-Who should attend: Presidents, CEOs, Directors, Executive Management, and Managers

2:30 - 3:30 p.m.

General Session:
The Weaponization of Technology: Why your payment program is at risk - Patrick Dix, Vice President of Strategic Alliances, SHAZAM, Inc.
- Payments technology is quickly evolving, but who’s controlling the latest changes to the way you pay, and how is that changing the competitive landscape of payments in the United States? Proprietary technology is eroding the highly competitive marketplace and discouraging new and innovative solutions. Learn what needs to change to ensure competition and innovation flourish as technology evolves.  

-Who should attend: Presidents, CEOs, COOs, CFOs, Payments and Operations Administrators

3:30 - 4:30 p.m.

Breakout Session # 1
Redefining Credit Culture & the Role Risk Tolerance Plays in Today’s Banking Environment - David Ruffin, Principal, Intellicredit, a division of QwickRate
In today’s crazy banking environment, your bank’s credit culture must be communicated effectively and woven through every aspect of your lending function. Balancing business development and portfolio management is a necessary requirement in today’s business banking world. Regulators expect banks to have a robust risk management process in place. The session will provide guidance and insight into how you can create robust loan growth while maintaining a safe and sound credit culture.

-Who should attend: Presidents, CEOs, Lenders, Credit Policy and Risk Managers, Directors

Breakout Session # 2
How Banks are Improving Efficiency and Performance - Timothy Reimink, MBA, Managing Director, Crowe LLP
Trends in customer behavior, technology, products, economic conditions, and competition are changing the economics and costs of many bank functions. With continued pressure on profit growth, it is increasingly important for banks to operate more efficiently. This presentation will identify sources for improvement and determine the “best” ways to plan for improving efficiency.

-Who should attend: Presidents, CEOs, CFOs, COOs, Directors, and Managers

Breakout Session # 3
Customer-Facing Community Banking Leadership - Stephen A. Ingalls, President and CEO, Catalyzer 
The word “leadership” is all too often used in our professional lives without any background discussion or definition. In this session, Catalyzer facilitates a conversation about leadership for customer-facing community bankers – what it is, what it isn’t, the difference between it and management, images of it from our organizations we might use as guideposts, and what it may look like in our industry in just a few years. Please join and contribute your thinking to this important dialogue.

-Who should attend: This session is exclusively designed for Branch Managers 

4:30 - 5:30 p.m.

Sponsor Appreciation Virtual Cocktail Hour

Thursday, August 6

8:00 - 9:15 a.m.
CBAO Annual Meeting & Industry Update

  • CBAO – Annual Business Meeting 
    • Election of 2021 Officers
  • Ray Campbell Scholarship – Presentation by Elizabeth Woodruff, Vice President, Correspondent Banking Officer, United Bankers’ Bank
  • ICBA Chairman-Elect – Robert Fisher, President, CEO and Chairman, Tioga State Bank

 9:30 - 10:30 a.m. 
General Session
Economic Update - James Nowak, Vice President, Risk Management - United Bankers’ Bank
It is likely, the US economy has changed, permanently, as a result of COVID. Businesses have learned they can operate efficiently with less space for their employees, brick-and-mortar retail may finally be over because everyone now trusts the online universe and is comfortable with using it. Maybe the most important development for bankers is how the central banks of the world have become part of both local and global economies. There is now an element of “central planning” going on that may never go away. This has many significant implications for how we lend money and the future of interest rates on both sides of the balance sheet. This combined with the efforts of the FDIC to eliminate call reports means that risk management efforts at community banks will need to change radically. Will you be ready for these changes?

-Who should attend: Presidents, CEOs, CFOs, COOs, ALCO Members and key Board of Directors will benefit from this session.

 10:45 – 11:15 a.m.

Keynote Session:
Address from Ohio Lt. Governor Jon Husted

11:45 – 12:55 p.m.
Sponsor Networking Break

1:00 - 2:00 p.m.
Breakout Session # 4
Take the Red Pill - Becoming Conscious of Unconscious  Bias - Dawn Hays, Esq., SHRM-SCP, General Counsel, Employers Resource Association
The processing efficiency of the human brain remains 99% more powerful than SpiNNaker, the world’s most powerful supercomputer. But the brain’s micro-second processing power comes at a hefty cost – unconscious bias. Wake up from the Matrix and harness the brain’s power to drive behaviors that move the unconscious into the conscious realm and transform the workplace. Using science, stories, and activities, this session empowers participants to dispel diversity myths, understand unconscious bias and how it operates, identify the impact of unconscious bias in the workplace, and adopt strategies for disrupting and reducing bias.  Remember, “[n]one but ourselves can free our minds” ~ Bob Marley.

-Who should attend: Human Resources, Presidents, CEOs and Directors

 Breakout Session # 5
The Genie is Out of the Bottle – Marketing to the New Consumer in a Post-Pandemic World - Eric Cook, Digital Strategist
People staying home to shelter in place, businesses closing, and a massive shift to online services across all industries have caused today’s consumer to change their behavior – and chances are they won’t ever go back to the “way it was,” even if they can. Community bankers had to quickly adapt to staff working from home, no more lobby traffic, increased usage of mobile banking, and embracing a “digital experience” whether they wanted to or not. As we look towards the future, will our customers be forever changed in how they interact with us? Most experts say “yes” and it’s up to us to figure out how to market to and build relationships with our customers in this new post-pandemic world using online tools and social networking strategies. 

 -Who should attend: Marketing Professionals, UX Professionals, Presidents, CEOs, and Directors will benefit from this session.

Breakout Session # 6
Cyber Liability…Today’s exposures and claim trends presented by Traveler’s Insurance
- Nelda Cronin, Esq., Senior Claim Counsel, Travelers - Bond & Specialty Insurance 
- Jared Gentile, CPCU, RPLU, National Cyber Insurance Lead, Travelers - Bond & Specialty Insurance 

The goal of this Cyber presentation is to educate CyberSecurity professionals on what type of (private/confidential) data is at risk, who can be impacted by a Cyber event. Also discussed will be  causes of loss, trends, costs, how to manage/work through a claim, and what to do in the event your bank is compromised.

-Who should attend: CIO’s, Information Security, IT Managers, Directors with IT oversight

 2:30 – 3:30 p.m.

Keynote Session
Industry Update - FDIC Chairman of the Board of Directors Jelena McWilliams

3:45 – 4:00 p.m.
Closing Comments

Already registered?

Download the official event app at to join the event!

Note: CBAO will be integrating with the Zoom platform for the live sessions. Please make sure this system is compatible with your chosen device(s).