Podcasts about first united bank

Lantz Howard and Greg Massey have a deep conversation about the role of faith, the Holy Spirit, fostering healing organizations, legacy, executive transitions, realigning your heart to a bigger vision, wealth mindset, and a fun question about the role of digital currency. Greg Massey is the President and CEO of First United Bank. First United has over 80 community banks in Texas and Oklahoma. First United Bank https://www.firstunitedbank.com/ Greg on LinkedIn https://www.linkedin.com/in/greg-massey -- Lantz Howard is a strategist, coach, and mentor for high-performing leaders. Get started working with Lantz by taking the free whole-hearted leadership assessment. www.lantzhoward.com

Spend Life Wisely: A Spending Plan This conversation is dedicated to helping you take control of your finances and live a more fulfilling life. Erica Rixen uses practical tips, expert advice, and real-life stories to guide you on your journey to financial freedom. Join Pam Kanaly & Mel Hiett as they explore strategies for creating and maintaining a spending plan with single moms in mind. It's time to transform your financial future—let's spend life wisely together!   Erica currently serves as the Spend Life Wisely Ambassador for the OKC Metro Region for First United Bank, which includes Edmond, OKC, Moore, and Norman. She brings nearly 20 years of political and operations experience to First United Bank having worked in the US Senate, on a White House transition team as well as serving as Chief of Staff for US Congressman Dan Boren in the US House of Representatives. In addition to her political experience, Erica worked as the Manager of Operations for the Chickasaw Nation's Office of Corporate Development where she coordinated business investments, managed external relationships with regulators, elected officials, business leaders, and trade associations, as well as oversaw the Division's investment and operating budgets. In her current role, Erica promotes First United Bank's 4 pillars: Faith, Health & Wellness, Personal Growth & Financial Wellbeing internally for employees and externally through community outreach and partnership. Erica continues her dedication to service at her daughter's school as a member of the School Advisory Council and as an alumna of the Leadership Exchange Academy. She is also a graduate of Stagen's Foundational Leadership Course. Erica graduated from Colgate University with a B.A. in political science. Erica and her husband, Steve reside in Edmond with their daughter, Emma, and dog, Grommet.

Spend Life Wisely: A Spending Plan This conversation is dedicated to helping you take control of your finances and live a more fulfilling life. Erica Rixen uses practical tips, expert advice, and real-life stories to guide you on your journey to financial freedom. Join Pam Kanaly & Mel Hiett as they explore strategies for creating and maintaining a spending plan with single moms in mind. It's time to transform your financial future—let's spend life wisely together!   Erica currently serves as the Spend Life Wisely Ambassador for the OKC Metro Region for First United Bank, which includes Edmond, OKC, Moore, and Norman. She brings nearly 20 years of political and operations experience to First United Bank having worked in the US Senate, on a White House transition team as well as serving as Chief of Staff for US Congressman Dan Boren in the US House of Representatives. In addition to her political experience, Erica worked as the Manager of Operations for the Chickasaw Nation's Office of Corporate Development where she coordinated business investments, managed external relationships with regulators, elected officials, business leaders, and trade associations, as well as oversaw the Division's investment and operating budgets. In her current role, Erica promotes First United Bank's 4 pillars: Faith, Health & Wellness, Personal Growth & Financial Wellbeing internally for employees and externally through community outreach and partnership. Erica continues her dedication to service at her daughter's school as a member of the School Advisory Council and as an alumna of the Leadership Exchange Academy. She is also a graduate of Stagen's Foundational Leadership Course. Erica graduated from Colgate University with a B.A. in political science. Erica and her husband, Steve reside in Edmond with their daughter, Emma, and dog, Grommet.

In this episode of the Wise Decision Maker Show, Dr. Gleb Tsipursky speaks to Melissa Perrin, Chief Culture Officer at First United Bank, who talks about her company's approach to relationships, culture, and hybrid work.You can learn about First United Bank at https://www.firstunitedbank.com/

Are you looking for ways to bring your company's purpose to life and drive business performance?  Join us with Haley Rushing, Chief Purposologist of The Purpose Institute, as she shares her experience on activating an organization's purpose through action and tools like key PURPOSE indicators. Get insights as Haley shares case studies from purpose pioneers such as First United Bank. Learn strategies for measuring impact, overcoming common roadblocks, and building purpose as a muscle across your organization.  Tune in to get inspired and be equipped to fulfill your purpose in a way that benefits all stakeholders–only here on Listen Loudly.    Show Notes Haley Rushing - Chief Purposologist and co-founder of The Purpose Institute.  The Purpose Institute - helps organizations discover, articulate and bring to life their deeper purpose in the world  First United Bank - a family bank in every sense of the word. A family-owned, family-operated, built on family values, and serves multigenerational customers who are treated like family Spend Life Wisely - is a progressive and innovative community banking organization and is categorized as a "Super Community Bank."  Built to Last by James C. Collins and Jerry I. Porras - a book of luminescent importance among books about successful companies/organizations.  Conscious Capitalism by John Mackey and Rajendra Sisodia - a book about recognizing businesses as a subset of society and society as a subset of the planet and requires conscious leadership at all levels Firms of Endearment by David B Wolfe, Jagdish Sheth, and Rajendra Sisodia - a book about gaining ‘share of heart, not just share of wallet'. It's about aligning stakeholders' interests, not just juggling them. Resources Door No. 3 Website Door No. 3 LinkedIn Door No. 3 Instagram   Listen to The Empowered Challenger Podcast with Prentice Howe Connect with Prentice Howe on LinkedIn Connect with Bethany Cranfield on LinkedIn 

In today's episode of What Matters Most, presented by the trustworthy team at First United Bank & Trust, the focus is firmly on charitable giving. Charitable gifts extend beyond mere acts of kindness; they are intertwined with motivations, rewards, and multiple forms. With the expert guidance of Julia Hershman, we'll demystify what makes a charitable gift and what fuels individuals to offer generously. Are you familiar with the distinctions between donating cash and assets like stocks or mutual funds? And the potential tax deductions that might come with them? Beyond the mechanics of giving, the episode also offers strategies to enhance the impact of your contributions. 

In this episode, we welcome Shane Small, VP & Senior Wealth Advisor at First United Bank & Trust, for a timely discussion on tax updates from the Wealth Management area. As the mid-year approaches, it's crucial to review your taxes and ensure you're on the right track. Shane shares valuable insights on changes in retirement accounts, including Required Minimum Distributions (RMDs), as well as capital gains requirements. Moreover, he highlights the importance of retirement planning and how individuals can effectively manage their income and tax burdens. Tune in to gain practical advice and expert tips to optimize your financial well-being.

The new Now of Work is constantly changing. With people at the heart of the workforce, they make global work and productivity churn at a rapid pace. Inclusion is a big part of that. "DEIB is always evolving and I try to stay immersed in what's happening and what's next," Brook Sims tells us. Brook is the COO of MAC Diversity Recruiters and we are excited for you to hear more from our chat with her.You may remember that we featured Brook's company on our social media channels a few months ago, as one to watch, and their growth is proof. MAC provides recruiting services to large companies in fields like engineering, investment banking, and information technology. They believe that a diverse workforce powers the future and that employers should be reflective of the communities in which they exist and serve. Their mission is to "lead the transformation of the workforce by being the bridge that provides access and opportunity to the most exceptional talent and helps clients achieve increased profitability, innovation, and success."MAC recently launched their sister company, MAC Digital, which specializes in Marketing, eCommerce, and Software talent recruitment with a focus on AI, and ensuring that AI is implemented in an inclusive way.Before leading MAC, Brook was an Executive Recruiter and Head of Diversity at JPMorgan Chase & Co. and First United Bank. Jess and I can't wait to chat with her about the changes she's seeing in DEIB, what happens when AI is added to the mix, and what steps leaders can take to ensure a more inclusive future. 

Guests: Gordon Cooley (pictured) - Former Local President for PNC and First United Bank & Trust Banking Institutions, Past Commissioner of Banking under Governors O'Malley & Hogan, Current Board Member, Woodsboro Bank Bill Dotson - President/CEO of Modern Door, International multi-million dollar manufacturer based in Charles County, MD, Former Judge of the Orphan's Court. Discussion covers local banking policies, processes and requirements as well as economic finance and business background on banking issues against the backdrop of the current highly volatile banking conditions.See omnystudio.com/listener for privacy information.

Today we are joined by Blake Walker, VP and  Director of Commercial Services at First United Bank & Trust, and Dana Jung, 1st VP and Director of Business Resiliency at Eagle Bank, to discuss the MBA 2023 Emerging Leaders Champion Program and their philanthropic effort to assist Maryland and West Virginia Food Banks with a year long food drive.

Cama Watts is the Business and Entrepreneurial Services Coordinator at Gordon Cooper Technology Center. She is actively involved within the GCTC district to provide quality training to help individuals grow and succeed. She is passionate about helping others be their best self. In addition to helping small businesses, Cama has partnered with First United Bank to bring a quarterly Women's Leadership Luncheon to the Shawnee area. She serves on several committees to promote well-being in the workplace. She has been the recipient of the Shawnee Forward Forward 15 award, the Pierre F. Taron Leadership Award, and The Journal Record Achievers Under 40 award. Cama is an active member of The Junior Service League of Shawnee and committees through the Department of CareerTech. Come listen to her story of how support systems of good women can be life-changing. Business and Entrepreneurial Services Business Development: https://www.gctech.edu/apps/pages/business-entrepreneurialservices (405) 214-3256

As with the Alamo, the opposition is coming from all angles these days for community banks: fintech's, Mega Banks, Wall Street, Walmart, Big Tech, etc.…Innovation, BaaS, Fintech Partnerships & Technology will help community banks compete in a rapidly changing industry where mega banks have the advantage of investing billions into new products and tech. Matthew Smith is a community banker at heart, having spent his entire career working in various high-level roles at community banks including Happy State Bank and First United Bank. Matthew is also a big fan of digital transformation, BaaS, Data Analytics, Embedded Finance, and advanced technology, so when the opportunity came along for his “dream job” of working with Initiatives for Independent Banks Association of Texas (IBAT) to assist community banks evolve in the digital era, he jumped at the chance. Through partnerships with FedFis, Bankers helping Bankers, and other channels, Matthew is helping educate and advise community banks not only in Texas but across the nation. Keith Daly, Director – Banking & Fintech Search at Travillian sits down with Matthew to discuss his dedication to community banks and what's next for IBAT as we quickly head towards 2023.

High Insurance Rates - Marisa Rogers, First United Bank Mortgage by Darryl Baskin, eXp Realty

What is the Stigma around Adjustable Rate Mortgages? Today we talk with Cody Sustakoski, Residential Loan Originator at First United Bank & Trust to discuss ARMs. Adjustable Rate Mortgages have some home buyers scratching their heads. Is it a good thing? Is it a bad thing? Is it the right kind of home loan for you? Cody demystifies the product and how it works.

This is a continuation of last week's episode with Chuck Olsson. With over 40 years of experience in Human Resources, Chuck Olsson, VP and Chief Human Resources Officer for First United Bank & Trust, can speak from experience as to how to best attract and retain talent. In this two-park episode, Chuck shares both theories and tactics for maximizing human potential and how to create a culture where people can thrive -- and a workplace where people want to stay. Presented by Shine Consulting LLC

With over 40 years of experience in Human Resources, Chuck Olsson, VP and Chief Human Resources Officer for First United Bank & Trust, can speak from experience as to how to best attract and retain talent. In this two-park episode, Chuck shares both theories and tactics for maximizing human potential and how to create a culture where people can thrive -- and a workplace where people want to stay. Presented by Shine Consulting LLC

Are you fearful when it comes to taking on work challenges or pursuing a new career? Do you have a hard time trying to face it? Pete is joined by a long time friend, Glen McCall, in this episode of the finding career zen podcast.  Motivation comes in different ways and from a variety of experiences. From facing challenging times as a college student, to starting over in his career, to ultimately becoming First United Bank's President in Oklahoma City & Edmond, Glen shares the traits and beliefs that have allowed him to succeed personally and professionally. How exactly did he do it? Could it have been his faith, analytical skills, lessons learned along the way, or something altogether different?  Tune in to discover how Glen learned to slay his dragons, and become a leader who shows others how to slay theirs.Additional Resources Please visit www.spendlifewisely.com to learn more about First United's mission, and what they can do for you.  You can also connect with Glen on LinkedIn.Advice for self-growth, personally and professionally:Ask questions. We are social creatures, everyone likes to be acknowledged and showing interest is guaranteed to leave an impression.Be helpful. In sales, you should operate with the mindset that people are going to do what they believe is best for them. It's never about what you want, it's about what they want. Instead of internalizing an individual's reaction, make strides to understand it. You have plenty of time, make sure to enjoy it. Cherish each moment instead of looking for things to worry about.Every path is unique. Your career path may not be a straight line, and that's okay. It may take a lot of extra work, but it's never too late to follow your passions and create your own route.Rewards rarely exist without a challenge. Your journey is heroic and adversity is inevitable. Optimism and willingness to overcome difficulties will lead you towards success.Envision what you want to do. Have an appreciation for the people who do it and what you need from them, and don't be afraid for your ego to take a backseat when pursuing your career goals.

Alan McDonald and Tammie Summers from First United Bank sit down with Matthew and discuss their involvement with the 142nd Annual Leonard Picnic. First United focus on community involvement and building a solid foundation both financially and personally. Thank you for sponsoring the Leonard Picnic! Enjoy!

Finding the right candidates for your business can be challenging and retaining them can be even more challenging. This week we are talking to a few people that know a thing or two about recruitment. Join us as we speak with Laura Seybold, Founder & President of Shine Consulting LLC, Patty Showers Ryan, President of Your Community Foundation of North Central West Virginia, Inc., Chuck Olsson, Chief HR Officer of First United Bank & Trust, Kow Okyere Eshun, Vice President of Civil & Environmental Consultants, Inc., and Frank Ford, Co-owner of Mountain Steer Meat Company. YCF Scholarship INFO: https://ycfwv.org/monongalia-county-adult-workforce.../ Mountain Steer Grant INFO: https://wvdn.com/26391/ Shine Consulting: https://www.wvshine.com/ YCF: https://ycfwv.org/ First United Bank & Trust: https://mybank.com/ CEC: https://www.cecinc.com/ Mountain Steer: https://mountainsteer.com/

In this episode, Mark discusses the entrepreneurial spirit that has taken him on many adventures throughout his life, the impact his parents have had on him both personally and professionally, and the 115th anniversary of First United Bank. SUBSCRIBE TODAY! The first 50 subscribers will receive a Spirit of West Texas Podcast coffee mug to celebrate Season Two and the 115th anniversary of First United Bank. Sign up at www.spiritofwesttexaspodcast.com.

Melissa Perrin serves as EVP, Chief Culture and Communications Officer at First United Bank. Melissa began her career with First United in 2004 and in her role, she oversees culture, communications, and marketing. Her focus is on purpose, values and vision work, employee and customer engagement, workplace and customer space environments, branding and messaging, and First United's Spend Life Wisely mission.  Melissa is a graduate of the University of Wisconsin Human Resource Management course, the Stagen Integral Leadership Program, and a graduate of the Stagen Advanced Leadership Program. In 2019, she was recognized as one of Conscious Company's 35 World-Changing Women. In this episode Steve and Melissa discuss:Inspiring people to love being at workSpending life wisely Openness and appreciation Applying the law of entropy  Key Takeaways: Create a work culture that inspires people to love being at work, all with the same desire for both customers and coworkers to leave every interaction being better and feeling elevated. Spending life wisely goes beyond just being prudent on financial matters, but also includes taking care of your health, personal growth, and the cultivation of your faith. Encouraging openness in the workplace will help everyone understand each other and appreciate each other more. Constant feedback and appreciation to inform each person what they did right will help them grow into better people. We are either leaving people better or worse, never neutral. We must put a lot of intention in leaving the people we encounter a little bit better.  “My goal is that everybody walks away from any type of interaction with First United or myself feeling a little bit better, a little elevated because life is so hard for us anyway like it is...” - Melissa Perrin  Connect with Melissa Perrin:Website: www.firstunitedbank.comLinkedIn: https://www.linkedin.com/in/melissalperrin/ Connect with Steve and Jason:LinkedIn: Jason or SteveWebsite: Rewire, Inc.: Transformed Thinking Email: grow@rewireinc.com  Show notes by Podcastologist: Justine TallaAudio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it. 

You're growing — more employees, more locations, but the same community. How do you stay true to your culture during a time of growth?In this episode, we hear from Melissa Perrin, Executive Vice President, Chief Culture & Communications Officer at First United Bank, about why CX lies at the intersection of community and culture.Join us as we discuss:The process of documenting your cultureThe role of brand consistency in CXHow “Spend Life Wisely” permeates the companyWhy branch is a taboo word at First United BankPersonal authenticity for the good of the team and yourselfItching for more CX goodness? You can find this interview and many more, by subscribing to CX Confessions on Apple Podcasts, on Spotify, or here.Listening on a desktop & can't see the links? Just search for CX Confessions in your favorite podcast player.

Scott Martin was born and raised in Tulsa, Scott is a proud Oklahoman. After high school he attend the University of Oklahoma. With a political science degree in hand, Scott dove headfirst into public service, spending 11 years working in municipal government. He furthered his public service career by living out a dream and was honored to be elected to the Oklahoma House of Representatives for six terms. He was the epitome of a citizen legislator; working in community banking while serving in the legislative. Since June of 2017 Scott has led Norman's premiere business advocacy organization, the Norman Chamber of Commerce. Scott and his wife are the proud parents of four amazing children. Between church and ballfields; the entire family enjoys the outdoors, adventure, and an active lifestyle. Andy Sherrer serves as Community Market President for First United Bank in Moore and Norman, Oklahoma where he leads a team of First United bankers that work to provide banking and wealth management solutions for clients throughout the Oklahoma City metro. Andy's educational background includes a Bachelor of Science in Marketing from Oklahoma State University, M.B.A. with a Finance and M.I.S. concentration from the University of Oklahoma, and the Wharton Leadership Certificate from ABA Stonier Graduate School of Banking. Andy has served as the Chairman of the Norman with the Oklahoma Chamber of Commerce, Chairman of Norman with the Oklahoma Planning Commission, adjunct faculty member of the Price College of Business at the University of Oklahoma, an ABA Stonier Graduate School of Banking faculty capstone administrator, member of the Oklahoma Governor's Business Roundtable, Chairman of the Moore-Norman Technology Center School Board, and as a Norman Regional Health Foundation Board President-Elect. Andy has been awarded as the Mentor of the Year for the Price College of Business at the University of Oklahoma and the “Best Norman Banker”. Andy currently lives in Norman with his wife, Megan, daughter, Sheridan, and son, Jackson.

Debt Ratios and Your Mortgage - First United Bank Mortgage Steve Brown by Darryl Baskin, eXp Realty

This is an exciting series on how to build mesmerizing workplace cultures because there is no greater competitive advantage than to have happy and mentally well-devoted employees who want to do good for their company and the world. In this episode, Tim is with a totally mesmerizing CEO, Greg Massey. Greg is the President and CEO of First United Bank. In 2008, Ernst and Young named Greg their Southwest Region Entrepreneur of the Year, and Oklahoma State University has recognized him as a distinguished alumnus, and the Spears School of Business recognized him as a Top 100 graduate and inducted him into the business school Hall of Fame. You will learn about compounding the decisions for your life and how to show your love to your people and build a culture where everyone becomes a better person in all areas of life. So, tune in now and learn from this wisdom-packed episode!   Quotes: “Compounding the decisions of our lives are just as impactful as compounding savings for our future.” - Greg Massey “We center our values around love and impact.” - Greg Massey  “People love working hard. They hate working in circles.” - Greg Massey “The whole part of the whole empowerment dynamic is allowing people to actually flourish as human beings.” - Greg Massey   Mentions: https://www.facebook.com/TimShurr https://mesmerizingleadership.com/  https://powermindsetprogram.com   https://www.firstunitedbank.com/  http://spendlifewisely.com/  Show Notes: [00:41] Greetings and introduction of Greg Massey [02:08] What's the purpose of your organization [04:34] Figuring out what's right [06:09] Compounding the decisions for your life [07:01] Start with the values and the purpose [13:50] People love working hard. They hate working in circles [16:56] Spending life wisely [18:57] Creating healing organizations [22:30] Putting together the Academy [24:38] Leadership is leadership [26:35] Listening deeply with the heart [29:19] Having people you learn from, and people who learn from you   Make Your Day Mesmerizing

Scott Martin was born and raised in Tulsa, Scott is a proud Oklahoman. After high school he attend the University of Oklahoma. With a political science degree in hand, Scott dove headfirst into public service, spending 11 years working in municipal government. He furthered his public service career by living out a dream and was honored to be elected to the Oklahoma House of Representatives for six terms. He was the epitome of a citizen legislator; working in community banking while serving in the legislative. Since June of 2017 Scott has led Norman's premiere business advocacy organization, the Norman Chamber of Commerce. Scott and his wife are the proud parents of four amazing children. Between church and ballfields; the entire family enjoys the outdoors, adventure, and an active lifestyle. Andy Sherrer serves as Community Market President for First United Bank in Moore and Norman, Oklahoma where he leads a team of First United bankers that work to provide banking and wealth management solutions for clients throughout the Oklahoma City metro. Andy's educational background includes a Bachelor of Science in Marketing from Oklahoma State University, M.B.A. with a Finance and M.I.S. concentration from the University of Oklahoma, and the Wharton Leadership Certificate from ABA Stonier Graduate School of Banking. Andy has served as the Chairman of the Norman with the Oklahoma Chamber of Commerce, Chairman of Norman with the Oklahoma Planning Commission, adjunct faculty member of the Price College of Business at the University of Oklahoma, an ABA Stonier Graduate School of Banking faculty capstone administrator, member of the Oklahoma Governor's Business Roundtable, Chairman of the Moore-Norman Technology Center School Board, and as a Norman Regional Health Foundation Board President-Elect. Andy has been awarded as the Mentor of the Year for the Price College of Business at the University of Oklahoma and the “Best Norman Banker”. Andy currently lives in Norman with his wife, Megan, daughter, Sheridan, and son, Jackson.

Cody and Colby are joined in their other studio with Stuart Sutton and Kendal Abernethy. A lot of topics are covered in this episode along with a ton of laughs.  We talk about how current events have effected both their businesses and what their responses have been.  Stuart talks to us about some of the community projects First United Bank have been involved in.  Kendal talks about some of his experiences in the military.  We also hit on some blackmail photos, some chemisty, and some interesting facts about snakes. We even have a special guest pop in during one of our conversations.  Music by Cody Jasper.

Steve Brown of First United Bank Mortgage shares the things we need to consider when to refinance the house. First you need to consider how long you should stay in the house because when you refinance you will also have a closing cost. Some companies offer no closing fees but the truth about it is that they already ibuild it into your rate and charge you with a much higher rate so you won't have to pay them. That is why we have to look at how much of these closing costs is gonna be in a refinance and how that is gonna lower your monthly payment and divide it by your monthly savings to get your breakeven point. And if a mortgage company is cutting their rate of 1 to 1.5 percent that's going to close the gap between their monthly mortgage payment and that is the reason why there have been a lot of mortgage refinance applications since about last year. When you are planning to refinance your mortgage you must talk to someone who can answer you the things that you need to know, the things that you need to consider and would guide you to make the right decision. To schedule a FREE real estate specialists consultation please contact Darryl Baskin of Baskin Real Estate Specialists powered by eXp Realty. DARRYL BASKIN Baskin Real Estate Specialists, eXp Realty Email: info@darrylbaskin.com Tel: 918 258 2600 Tel: 918 740 0077 Thinking of Selling? Get your FREE Home Valuation complete with local comparables instantly. https://www.homeguidetulsa.com/sell.php Looking to Purchase? Search thousands of current listings directly from our local MLS. https://www.homeguidetulsa.com/index.php?advanced=1&display=&custombox=&types[]=1&beds=0&baths=0&min=0&max=100000000&rtype=map#rslac

Steve Brown of First United Bank Mortgage discussed the consequences of forbearance and the ideal debt income ratio of a homebuyer who applies for a mortgage. Forbearance is when your lender allows you to pause or reduce your mortgage payments while you build back your finances. This pandemic causes the lenders to consider the forbearance but it's a little bit tricky. Forbearance will show up in your credit report and it will somehow trigger the lender. To address this, you have to bring your mortgage to current. It may be difficult to understand, that's why having a great realtor and lender helps you through the process and breaks it down to you. If you're planning to have a second mortgage, it is always good to inform the new lender. He also shared with us what is the ideal debt to income ratio of a homebuyer who applies for a mortgage. The lenders prefer the mortgagee to have a total debt of 36% or less and revolving debt like credit cards to 49% debt income ratio. To schedule a FREE real estate specialists consultation please contact Darryl Baskin of Baskin Real Estate Specialists powered by eXp Realty. DARRYL BASKIN Baskin Real Estate Specialists, eXp Realty Email: darryl@darrylbaskin.com Tel: 918 258 2600 Tel: 918 732 9732 Thinking of Selling? Get your FREE Home Valuation complete with local comparables instantly. https://www.homeguidetulsa.com/sell.php Looking to Purchase? Search thousands of current listings directly from our local MLS. https://www.homeguidetulsa.com/index.php?advanced=1&display=&custombox=&types[]=1&beds=0&baths=0&min=0&max=100000000&rtype=map#rsl

Steve Brown of First United Bank Mortgage talks about the benefits that low interest rates will give to us when buying a house. When buying a house we are buying the property itself and we are buying the money. When we can buy the money on such a discount it will really provide tremendous leverage for you. Taking advantage of lower interest rates will not just give you a much lower monthly payment but also you can qualify for more for it will really increase your buying power. For your mortgage needs you can contact Steve Brown at tel no. 918 3810 918 or visit www.stevebrownmortgage.com. To schedule a FREE real estate specialists consultation please contact Darryl Baskin and Pamela Wright of Baskin Real Estate Specialists powered by eXp Realty. DARRYL BASKIN Baskin Real Estate Specialists, eXp Realty Email: darryl@darrylbaskin.com Tel: 918 258 2600 Tel: 918 732 9732 PAMELA WRIGHT Baskin Real Estate Specialists, eXp Realty Cell: 918-370-2801 Direct Line: 918-707-8641 Office: 918-238-7171 Thinking of Selling? Get your FREE Home Valuation complete with local comparables instantly. https://www.homeguidetulsa.com/sell.php Looking to Purchase? Search thousands of current listings directly from our local MLS. https://www.homeguidetulsa.com/index.php?advanced=1&display=&custombox=&types[]=1&beds=0&baths=0&min=0&max=100000000&rtype=map#rsl

Steve Brown of First United Bank Mortgage talks about the details of credit scores and qualifications. For first time home buyers you can use down payment assistance but sometimes they will require you to have 2 mos of reserve after you close but if someone has a higher credit score that would qualify for the downpayment oftentimes they will not require the 2 mo reserve anymore. You need to have a good credit profile for this will be the basis of your financial capability. You must do on time payment, a good credit utilization and longevity of your account. For your mortgage needs you can contact Steve Brown at tel no. 918 3810 918 or visit www.stevebrownmortgage.com. To schedule a FREE real estate specialists consultation please contact Darryl Baskin and Pamela Wright of Baskin Real Estate Specialists powered by eXp Realty. DARRYL BASKIN Baskin Real Estate Specialists, eXp Realty Email: darryl@darrylbaskin.com Tel: 918 258 2600 Tel: 918 732 9732 PAMELA WRIGHT Baskin Real Estate Specialists, eXp Realty Cell: 918-370-2801 Direct Line: 918-707-8641 Office: 918-238-7171 Thinking of Selling? Get your FREE Home Valuation complete with local comparables instantly. https://www.homeguidetulsa.com/sell.php Looking to Purchase? Search thousands of current listings directly from our local MLS. https://www.homeguidetulsa.com/index.php?advanced=1&display=&custombox=&types[]=1&beds=0&baths=0&min=0&max=100000000&rtype=map#rsl

As an early-career CPA, Carissa Rodeheaver began her community banking career as a trust administrator nearly three decades ago. Now, she’s at the same bank, as chairman, president and CEO of Oakland, Maryland-based First United Bank and Trust. On the latest episode of the ABA Banking Journal Podcast — sponsored by NICE Actimize Xceed — Rodeheaver discusses her path to the C-suite and the strategies she employs at First United to provide leadership opportunities to rising generations of community bankers. Rodeheaver also discusses her efforts to bring gender balance to the board at First United and set the right tone from the top. This episode is sponsored by NICE Actimize Xceed.

We are joined today by Chief Executive Officer, President and Chairman at First United Bank & Trust, Carissa Rodeheaver. In this brief episode we simply talk about the year that has passed, what we're thankful for during this holiday season, and what we're looking forward to in 2021. Merry Christmas and Happy Holidays to everyone!We're Celebrating Our 120th Anniversary! But what we're most proud of is our legacy of partnering with this community. Click to learn more!

Today we release a bit early this week to talk about PPP Loan Forgiveness. Jason Rush, Chief Operating Officer at First United Bank & Trust joins us today to talk about PPP Loan Forgiveness, and some of the common questions that are being asked. If you have questions or need to learn more, please send those to podcast@mybank.com or visit MyBank.com/forgiveness for more information.For other PPP related information, you may also visit MyBank.com/ppp

What Matters Most today is Financing Your Education. We're joined today by Jason VanSickle, Vice President & Director of Automated Lending and Laura Helmich, Student Loan Specialist at First United Bank & Trust. We discuss the big decisions and the financial process involved in receiving, applying for or refinancing your student aid: scholarships, federal aid and private student loans for gap coverage.What are the different types of financial aid available?What do families and students do that still need help after federal and school based aid?What is the process for applying for Private Student Loans and how much can families borrow?What does repayment look like and are there options for graduates to refinance their student loans?Helpful links mentioned in the episode: First United Student Lending Resources: MyBank.com/studentsFederal Student Lending Resources & Information: StudentAid.gov

Episode 17: In this episode I interview Jason Hawkins, First United Bank’s CEO and President. We discuss a regional view of the economic crisis related to the COVID-19 lock down and its impact on small businesses throughout Kentucky. Jason’s Background Jason and I are very good friends. We went to college together at Murray State University and are brothers in the Sigma Chi fraternity. Jason has an undergraduate degree in Finance and an MBA. While in college, he worked at a community bank. He took a job in the trust department for Old National Bank, in Evansville, Indiana, after graduation. He worked in corporate trust doing bond issues and escrow arrangements. In 2005, he moved to First United Bank and Trust, based in Madisonville, Kentucky. He eventually became the CFO. In 2017, he assumed his current role as President/CEO. Community Banks vs. Large National Banks First United Bank focuses on what is best for the communities they serve. They currently have loans in more than 40 Kentucky counties. They are servicing about 1/3 of the state on a county by county basis. Community banks don't have to work through a lot of red tape. They want to bring local decision making to their markets. When clients come in, they are able to have a personal touch because they are not dealing with 800-numbers. Local, community banks don’t have to send their decisions off to a remote location. They don't have to call committee meetings with people across the country to make a decision. They decide how to operate and then put that into action. First United Bank establishes strong connections and relationships with their clients. Jason and his team provide a high level of client communication to ensure they are servicing local needs. Macro Climate The Covid-19 crisis came out of nowhere. The government’s decision to lock down businesses across Kentucky has been economically devastating. This is not meant to be a political statement. Rather, an observation that the environment changed overnight. When the government funding came through, it became a challenge for the banking industry and remains a challenge. The Treasury’s guidance was delayed and confusing to both small business owners as well as lenders. The SBA’s infrastructure was overwhelmed. It’s been a huge learning curve for everyone. Typically, when the government institutes a program it takes 6-12 months to implement, and in this case, they had 2 weeks. Congressman Andy Barr said, “In the first 14 days of this program, there were more SBA loans made than in the last 14 years.” In one of my previous podcasts, I interviewed Tommie Causey of the SBA, and Dave Oetken of the Louisville Small Business Development Center. Both of them were really proud of the work they did to assist small business owners. I also interviewed my CPA, Steve King on the Make the Numbers Work podcast. We talked about it from an accounting standpoint. One of the biggest concerns was the US Treasury did not initially tell the banks how to treat this money and the specific requirements. The guidance has been slow to come out. It has been frustrating for small business owners. However, the US Treasury has created a list of FAQs to clarify many of the issues. Here’s a link to that information resource.  Please make sure you’re reading the most recent version. A Community Bank’s Response As Jason explained, the banks took a first come first served basis. Speed of action wasn’t related to the size of the loan. They tried to deal with customers as they received applications. In Episode 16, I explained that deal with a larger bank, but they had trouble because of the onslaught of PPP applications. I went across the street to a local community bank and within a matter of hours I had the loan approval numbers and with a matter of days directly thereafter, I had money sitting in my account. I was surprised how quickly a community bank moved this through the system. Whereas a large bank tends to get bogged down for a lot of different reasons. One of the proactive steps Jason has implemented is to provide deferments on existing loan payments. This refers to loans outside of the Payroll Protection Program. This local decision typically allowed up to 90 days of payment deferral to help his banking clients. He required them to be current in order to get that, meaning they had to pay through their March payment in most cases to be able to qualify for deferral for the months of April, May, and June. This is another advantage of the local decision-making provided by community banks. PPP Loans First United Bank is roughly a $330 million-dollar institution. He has processed about $25 million in PPP loans, comprised of more than 300 loans. While there have been some large loans, the majority have come from smaller loans. Jason commented that if you talk to other community bankers, they'll say that they had people work on weekends and nights trying to make sure that they could and get these applications in and get them approved. Jason and Jim discussed the impact of the PPP loan activity. It has had a significant impact on capital requirement ratios. PPP Loan Forgiveness Based upon what Jason is seeing right now, he thinks forgiveness is probably going to run anywhere between the 70 and 90%. Solid documentation including payroll and 941s will be critical. The banks are cautious and trying to measure risk related to this process. Your community banks want you to be successful. They want to make sure that you succeed, because that's good for the community. Communication is key. If you are having a problem with your business, banks are much more favorable if you communicate and tell us here's the issue that I'm having, here's the struggle, here are the frustrations, and here's what my cash flow looks like. They are much more willing to work with you than if you try to just say everything is fine. Ultimately, the banks want you to succeed because that helps them succeed. If you would like to speak to Jason Hawkins regarding your situation, here’s his contact information: Office: (270) 824-1633 Website: www.efirstunitedbank.com Address: 162 N. Main St., PO box 1190, Madisonville, KY 42431   Want more information? To listing to additional episodes of the Grow For It podcast, please visit my small business consulting website, search for it on Apple Podcasts (iTunes), Google Podcasts, iHeart Media Podcasts and other podcast directories.  Be sure to subscribe, at no cost, to keep up with the most recent episodes. Thanks for taking the time to listen!

An update from Keith Sanders, Senior Vice President in Wealth Management from First United Bank & Trust regarding the financial market volatility currently being seen as it relates to the Coronavirus, COVID-19.

A first for Take 5! as we host two guests. Elizabeth and Robin are the definition of experienced mortgage professionals. Hear some great tips from the experts!

What Matters Most Series - October 2019 by First United Bank & Trust

Good storytelling is essential to both great leadership and great marketing. At the core of telling great stories, is the ability to be real and to go beyond the superficial level. You can accomplish this by having the courage to be vulnerable. Corey Blake is the Founder and CEO of Round Table Companies (RTC) and is also the publisher of Conscious Capitalism Press. Some of RTC’s clients include Microsoft, First United Bank, and Marketo. Corey has spent over 12 years helping business leaders use storytelling to transform themselves and their organizations. When Corey’s mother was diagnosed with depression and had also exhibited traits of bipolar disorder, Corey began to learn really quickly how to read a room and develop survival tactics to reduce the number of outbursts and to make his mother laugh. It was through this experience that he discovered (although unconsciously at the time) he liked being a performer and went to school for acting. After Corey got married, he decided to make a transition from acting to something a little more consistent, so he started his own company! Before RTC, Corey created two other storytelling companies for the film industry. He learned a lot of valuable lessons and did a lot right but in the end, he made some huge mistakes he could not recover from. As Corey worked with his clients at RTC, he and his team saw the kind of impact they were able to have on their clients when the client felt safe enough to be vulnerable in their story. They would often share things they hadn’t even told their spouses or, it was the first time they even expressed these vulnerabilities out loud to themselves. Flipping the script, when Corey was able to become vulnerable with his team (and vice versa) about trying to avoid making the same mistakes he made at his prior two companies, a deep and profound trust was developed. By having the courage to express vulnerability in the workforce, the team was able to grow in a meaningful way and had each other’s backs.   Interview Links: Roundtablecompanies.com Consciouscapitalism.org Corey on LinkedIn   Resources: Scaling Up for Business Growth Workshop: Take the first step to mastering the Rockefeller Habits by attending one of our workshops. Scaling Up Summits (Select Bill Gallagher as your coach during registration for a discount.) Bill on YouTube

What Matters Most Conference Call - Thursday, April 12, 2018 9.00.08 AM by First United Bank & Trust

What Matters Most Conference Call - Thursday, January 11, 2018 by First United Bank & Trust

What Matters Most - Q4 Update by First United Bank & Trust

This month’s “What Matters Most” podcast is another great economic update from our Wealth Management group. These conference calls are intended to provide accurate and reliable information in regard to the subject matter. The material is provided with the understanding that First United Bank & Trust is not engaged in rendering legal advice or accounting services. If legal advice is needed, it is recommended that participants consult their own legal counsel.

Learn from superstar banker Evan Rink from First United Bank.  This episode focuses on Appraisals: Why do banks use them? Different types of appraisals: Limited Scope, Residential, Commercial. Different values:  as is, as complete, as stabilized. Different approaches to value: Sales, Cost, Income. What is NOI? What is a Cap Rate? What type of banks do you use? Tell me more go to this link ask.savvylandlord.me or go to www.savvyradioshow.com and leave a voice mail!