2026 Pub. 23 Issue 3

Capra Bank, in a recent edition of The Business Journal in Albuquerque, highlighted Senior Vice President of Commercial Banking Michael Gaillour for his outstanding performance since Capra Bank opened in Albuquerque in July of 2024. Mike expertly leverages his decades of experience to build strong client relationships and support the financial growth of businesses across New Mexico. His dedication, expertise and extensive experience have played a vital role in driving Capra’s rapid growth.

Stablecoins, tokenized deposits, real-time payments and other digital-money models are moving the industry toward faster, more programmable and potentially 24/7 money movement. For community banks, the immediate issue is not whether every customer will adopt these tools tomorrow — it’s whether the bank’s liquidity framework, funding mix and contingency funding plan are ready if deposits become more mobile, rate-sensitive or concentrated.

John Anderson, executive vice president of NMBA, has been recognized by his peers in the 2027 edition of The Best Lawyers in America for his high-caliber work in banking and finance law. Inclusion in Best Lawyers is based on a rigorous peer-review survey. For more than 40 years, Best Lawyers has been regarded by both the profession and the public as the most credible measure of legal integrity and distinction. As such, recognition by Best Lawyers symbolizes excellence in practice.

The recently enacted 21st Century ROAD to Housing Act marks a significant shift in how U.S. banks can use reciprocal deposits — an established but increasingly important tool for deposit growth and local lending.

Homebuyers in New Mexico have another option for assistance with purchasing a home.

For much of 2026, the conversation around digital assets has been dominated by stablecoins, as regulators worked to implement the Genius Act — the 2025 law governing stablecoins — and lawmakers debated the Clarity Act, a more comprehensive regulatory framework for all digital assets.

When viewing the current political and economic climate in America, one of the most frequently deployed techniques by bad-faith actors is the manipulation of language, specifically using words outside their actual meaning and context, rendering them effectively meaningless or changing their meaning altogether. For example, a scandal-ridden federal politician can excuse his or her financial corruption under the guise of maintaining “national security,” even if the matter has nothing to do with the actual national security of America.

The SBA’s new SOP 50 10 8.1 took effect October 1, 2026, bringing a number of changes for SBA 504 and 7(a) lenders to incorporate into their underwriting and closing processes. Some updates are straightforward, while others affect financial analysis, change-of-ownership underwriting, documentation and eligibility. There are also changes that create new opportunities, particularly around energy projects and multiple SBA 504 financings.