Outside the Vault

In this episode of Outside the Vault, DCI’s Jason Ruyle sits down with Pancho Perales of First State Bank of San Diego to talk about his journey from large-bank consumer banking to serving a rural Texas community through community banking.

They discuss the role technology can play in leveling the playing field, why long-term partnerships matter, and how community banks can prepare for changing customer expectations without losing sight of the people they serve.

Pancho also shares what led First State Bank to DCI and his vision for using technology to create greater opportunity for the next generation.

In this episode of Outside the Vault, DCI President and CEO Sarah Fankhauser sits down with new COO Chris Davis to talk about his journey from community banker and DCI customer to joining the company from the inside.

Chris shares what that shift in perspective has taught him, along with his thoughts on Fintech, AI, data, DCI’s ownership structure and the importance of giving community banks clarity in an increasingly noisy industry. They also discuss why listening, transparency and strong relationships remain central to how DCI approaches the future of community banking.

Sandra Schmitt, Vice President of Application Development at DCI, joins Sarah Fankhauser to discuss the philosophy behind DCI's Innovation Meeting and User Meetings. They share how direct customer feedback has shaped product development for more than 20 years, giving community banks a meaningful voice in the technology they rely on every day.

From roadmap discussions and enhancement requests to peer collaboration and face-to-face conversations, the episode explores how customer partnerships continue to influence DCI's approach to innovation and long-term product development.

Zach Duke, CEO and founder of Finosec, joins DCI's Jason Ruyle to talk about cybersecurity governance for community banks at a moment of real change. With the FFIEC Cybersecurity Assessment Tool sunsetting and regulators continuing to shift expectations, community banks are navigating new challenges around how to stay defensible and exam-ready.

The conversation explores how purpose-built platforms, a simplified approach to governance, and shared values around customer-first thinking are reshaping cybersecurity for community banks, along with how partnerships like DCI and Finosec are helping banks navigate what comes next.

Zach Duke, CEO and founder of Finosec, joins DCI's Jason Wool to talk about cybersecurity governance for community banks at a moment of real change. With the FFIEC Cybersecurity Assessment Tool sunsetting and regulators continuing to shift expectations, community banks are navigating new challenges around how to stay defensible and exam-ready.

The conversation explores how purpose-built platforms, a simplified approach to governance, and shared values around customer-first thinking are reshaping cybersecurity for community banks, along with how partnerships like DCI and Finosec are helping banks navigate what comes next.

Justin Fischer, CEO and co-founder of RiskScout, joins DCI's Jason Ruyle to break down the realities of fraud and compliance in today’s financial environment. As fraud becomes more sophisticated and AI accelerates new attack vectors, community banks are facing increasing pressure to detect, prevent, and respond in real time.

The conversation explores how modern platforms, real-time data, and the right balance of automation and human oversight are reshaping fraud and BSA/AML strategies, along with how partnerships like DCI and RiskScout are helping banks navigate what comes next.

Matthew Smith and Tanner Mayo of Bankers Helping Bankers and FedFis join DCI to get real about the forces shaping community banking today. From accelerating M&A activity and vendor concentration risk to fintech strategy and sponsor banking opportunities, they break down what’s happening beneath the surface of the industry. The conversation highlights why data-driven decisions and strong partnerships matter as community banks navigate core consolidation, regulatory pressure, and long-term growth.

Sit down with Jason, Layne, and Sarah as they recap the year at DCI. They reflect on key wins, lessons learned in 2025, and the shifts happening in the industry that are shaping the future of community banking. From industry trends to forward-looking predictions, hear how DCI is working hard in 2026 to help banks stay relevant and competitive as the landscape continues to evolve rapidly.

Matt pulls back the curtain on All Capital Bank’s evolution moving from a legacy “big three” core provider to DCI’s iCore360. He reflects on the 2022 acquisition, 2023 rebrand, and 2025 conversion, sharing how the team embraced change, aligned around growth, and built a future-ready vision through strong partnership and real collaboration.

Chris Davis, SVP and COO of RiverBank, joins the DCI team to share some insight on the bank’s journey to becoming a BaaS bank and what it means to operate as a sponsor bank today. He dives into RiverBank’s “why,” their path into the cannabis banking sector, and the principles that drive success for community banks competing in an increasingly digital, Fintech-driven market. Welcome to Outside the Vault, with Chris Davis and DCI.