Sunday | March 9

5:45 PM – 6:30 PM
Welcome Reception
Join us at the Troon Room & Firepits to mix and mingle with attendees and their guests during this exclusive CEO retreat.

6:30 PM – 8:30 PM
Welcome Dinner
After the reception, we invite attendees and their guests to join us for dinner at the Troon Room & Firepits.

 

Monday | March 10

7:15 AM – 8:00 AM
Attendee & Guest Breakfast
Before our sessions and conversations, attendees and guests join us for breakfast in St. Andrews.

8:00 AM – 9:00 AM
Welcome and Introductions
Michelle King, CEO, Bank Director
Laura Schield, President & COO, Bank Director
Bank Director welcomes all participants and coordinates introductions of all bankers involved in the Exchange. We review the schedule and then tee up our time together. 

9:00 AM – 9:15 AM
Refreshment Break 

9:15 AM – 10:15 AM
Peer Conversations – Governance
Jim McAlpin, Board Member, Bank Director
Jim moderates a group discussion based on board performance, board governance and process, covering topics such as:

Board Performance

  • Board Engagement
  • Board Composition
  • Board Recruitment
  • Board Evaluation

Board Governance and Process

  • Board Committees and Membership

  • Ensuring Independence from Board Members

  • Board Agendas

  • Board Meeting Cadence

  • Role of the Board vs. Role of the Executive Team

10:15 AM – 10:30 AM
Refreshment Break 

10:30 AM – 11:30 AM
Peer Conversations – Strategy and M&A
Joe VanFleet, Member & Co-chair Financial Institutions Practice, Howard & Howard

Joe moderates a group discussion around strategic and regulatory matters and M&A, covering topics such as:

Strategic Matters

  • Near-term Challenges and Opportunities for Your Bank
  • Strategy Leaders
  • Board’s Role in Strategy
  • Communicating Strategy to Stakeholders
  • Importance of Size and Scale

Regulatory Matters

  • Board’s Involvement in the Bank’s Regulatory Relationship
  • Setting the Tone at the Top
  • Relationship with Primary Regulator

M&A

  • M&A Opportunities 
  • Sourcing Potential Acquisitions 
  • Evaluation Criteria for Potential Acquisitions
  • New Business Lines
  • Response of Your Primary Regulator to a Possible Acquisition 
  • Goals of an Acquisition 

11:30 AM – 12:30 PM
Networking Lunch
Attendees continue off-the-record conversations over lunch in Trap’s Lounge. 

12:30 PM – 1:30 PM
Peer Conversations – Growth Strategies
Stephen Johnston, Executive Vice President, SRM
Brent Lapp, Regional Vice President, Business Development & Client Management, SRM

Stephen and Brent moderate a group discussion focused on topics such as:

  • Consumer-Driven Growth
  • Non-Bank Competition
  • Build vs. Buy Strategy
  • Alignment of Digital Strategy with Bank’s Overall Strategy
  • Essential Technology to Add in 2025/2026
  • Leveraging Digital Platforms to Expand the Bank’s Market
  • Fintech Consortium or Investor
  • Innovation Leader at Your Bank
  • Staying Current on Technology Trends in Banking
  • Your Bank’s Best Technology Partners and Why
  • Digital Currency
  • Use Cases for Artificial Intelligence

1:30 PM – 1:45 PM
Refreshment Break 

1:45 PM – 2:45 PM
Peer Conversations – Capital Allocation Considerations
Matt Forgotson, Director, Performance Trust Capital Partners, LLC

Matt discusses these topics during this moderated conversation:

  • Guiding Principles for Capital Allocation Decisions
  • Target Hurdle Rate
  • Durability of Return 
  • Sustainability of Return 
  • Efficiency Ratio vs. Net Overhead
  • Accessing Capital

2:45 PM – 3:00 PM
Wrap Up
Michelle King, CEO, Bank Director
Laura Schield, President & COO, Bank Director

3:30 PM – 5:30 PM
Let’s take a drive
Enjoy the afternoon driving down 17-mile, one of the most iconic drives in the world, with attendees and their guests! Discover one of the most scenic drives in the world as you meet the inspiring Lone Cypress, ponder the giant trees at Crocker Grove, digest the untouched beauty at Fan Shell Beach, behold the power of the Restless Sea at Point Joe, stroll the boardwalk above the beach at Spanish Bay and much, much more!

6:30 PM – 8:30 PM
Networking Dinner
Attendees and their guests are invited to dinner at the Casa Palmero Boardroom.

 

Tuesday | March 11

7:15 AM – 8:00 AM
Breakfast
Attendees and guests join us for breakfast in St. Andrews before we begin our second day of sessions and conversations.

8:00 AM – 8:50 AM
Peer Conversations – Talent & Culture
Laura Schield, President & COO, Bank Director
Laura moderates a peer discussion with the group, focusing on succession planning, talent acquisition, retention, development and compensation.

  • Talent and Compensation Challenges

  • Is the Talent You Have, The Talent You Need?

  • Succession Planning for CEO and Other C-suite Executives

  • Filling Key Roles – from Inside and Outside

  • Recruiting Talent

  • Developing Talent

  • Characteristics of Ideal Candidates

  • Determining Compensation

8:50 AM – 9:05 AM
Refreshment Break

9:05 AM – 9:55 AM
Peer Conversations – Risks
Sal Inserra, Senior Advisor, Bank Director
Sal moderates a peer discussion around general risks, IT risks, reputational risks and regulation:

  • Top Three Risks for Your Bank
  • Tools Used to Manage Risk
  • Chief Risk Officers
  • CTO vs CISO
  • Management of Enterprise Risk
  • IT Risks – Cyber Risk, Cybersecurity, Ransomware
  • Vendor Risk
  • Reputational Risk
  • Top Three Regulatory Compliance Challenges

9:55 AM – 10:10 AM
Refreshment Break

10:10 AM – 11:00 AM
Peer Conversations – What’s Next
Michelle King, CEO, Bank Director
Based on all of the discussions that have occurred throughout the event, Michelle closes the meeting with a recap and follows up on top-of-mind issues the group would like to address.

11:00 AM
Boxed Lunch for Attendees and Guests 

12:00 PM – 5:30 PM
Activities at Pebble Beach
Choose one of the following options: 

12:00 PM – 5:30 PM
*For those playing golf, meet in front of Spanish Bay for transportation at 11:30 AM
Play Pebble Beach
Pebble Beach isn’t just the No. 1 public course in America. Pebble Beach is the No. 1 Golf Resort in America. With three Top 50 public courses canvasing the spectacular coastline that wraps around California’s Monterey Peninsula, golf at Pebble Beach Resorts is a truly unforgettable experience. Whether you are skirting the scenic sand dunes at Spanish Bay, threading the towering pines of Spyglass Hill, or challenging the cliff-swept shoreline at Pebble Beach, a golf trip to Pebble Beach Resorts is full of memorable thrills.

So tee it up like Palmer and Player, Hagen and Hogan, Tiger and The Golden Bear, and play the golf trip of your dreams.

Spa Treatment of Choice – Massage or Facial
The Spa at Pebble Beach — one of only 126 spas in the world to receive the coveted Forbes Five-Star Award — offers signature services that incorporate the healing properties of plants, herbs and minerals indigenous to California’s Monterey Peninsula.

6:30 PM – 8:30 PM
Networking Reception
After returning from the afternoon’s activities and having time to refresh, we gather attendees and guests at the Spanish Bay Firepits for heavy appetizers and cocktails.