Community Depository Institutions Advisory Council
In 2011, the Federal Reserve Bank of St. Louis established a Community Depository Institutions Advisory Council (CDIAC) composed of 12 executives of smaller financial institutions across the Eighth District. The council meets twice a year to advise the St. Louis Fed president on the credit, banking and economic conditions facing their institutions and their communities. Council members are senior executives of banks and credit unions and serve staggered terms.
The chair of each District Bank’s council also has the responsibility of reporting twice yearly to the Federal Reserve Board of Governors in Washington, D.C.
Questions? E-mail: cdiac@stls.frb.org
2026 CDIAC Members
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Orvin Kimbrough, Chair
Chairman and CEO, Midwest BankCentre
St. Louis
(Term expiration: 2028)
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Dale Cole
Chairman and CEO, First Community Bank
Batesville, Ark.
(Term expiration: 2028)
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Matthew Daniels
President and CEO, Apex Bank
Camden, Tenn.
(Term expiration: 2026)
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John Dosier
President, CEO and Director, First Southern Bank
Marion, Ill.
(Term expiration: 2026)
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Sally Hopkins
Chairman and Senior Advisor, FNB Bank
Mayfield, Ky.
(Term expiration: 2026)
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Edna H. Hughes
President and CEO, Lewisburg Banking Co.
Lewisburg, Ky.
(Term expiration: 2028)
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Richard “Rick” Nichols
President and CEO, Multipli Federal Credit Union
Jefferson City, Mo.
(Term expiration: 2028)
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Nikki Roser
President and CEO, The First National Bank of Carmi
Carmi, Ill.
(Term expiration: 2026)
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Todd Swims
President and CEO, Leaders Credit Union
Jackson, Tenn.
(Term expiration: 2027)
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Huey “Hue” Townsend
President and CEO, Guaranty Bank & Trust Co.
Belzoni, Miss.
(Term expiration: 2028)
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Joe Turner
President and CEO, Great Southern Bank
Springfield, Mo.
(Term expiration: 2027)
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Sydney “Syd” Whitlock
President, The New Washington State Bank
New Washington, Ind.
(Term expiration: 2028)