February 27, 2026

Speaking recently with our many community bank clients, we’ve seen a significant increase in questions and concerns regarding the increased presence of crypto-assets business models. The general sentiment is “I know it’s being discussed, but I’m not sure how the regulators will view this or how it will affect the current operations of my community bank.”

In just the first few weeks of 2026, the banking industry faced two separate and significant policy challenges.

Congress provided a streamlined mechanism for small businesses to reorganize by enacting the Small Business Reorganization Act of 2019 and adding Subchapter V to Chapter 11 of the Bankruptcy Code.

Small Business Administration (SBA) lending remains one of the most meaningful ways banks can support local communities while building a strong portfolio.

The West Virginia Historic Rehabilitation Tax Credit, commonly known as the State Historic Tax Credit (HTC), encourages the rehabilitation of historic properties and serves as a proven economic development tool.

Recent trends indicate that more employers will switch from a fully insured group health plan to a self-insured or level-funded group health arrangement over the next few years.

Author Malcom Gladwell argued in “Tipping Point” that great societal change stems from sustained, incremental efforts.