MAY 28, 2018 | VOLUME 152, NUMBER 20 | WWW.BANKERSDIGEST.COM

MISSISSIPPI Daniel Tapped as Market President TEXAS for Hancock Whitney Bank in Baton Rouge, Louisiana West Named Senior Vice On May 3, Gulfport-based Hancock JPMorgan Chase and commercial and President in Private Banking Whitney Bank announced that it has correspondent banking roles at the Group at Amegy Bank hired JOHN L. DANIEL to be the bank’s former Hibernia Bank. new market Daniel holds a bachelor’s degree GARY WEST has joined Houston-based president for the in management and administration, as Amegy Bank as senior vice president in Baton Rouge, well as a bachelor’s degree in marketing, the company’s private banking group. Louisiana, region. from Louisiana State University. He is a He will help lead He succeeds fellow of the LSU Academy of Politics, a Amegy’s healthcare ROBERT SCHNECK- certified municipal financial professional banking growth ENBURGER, who has and registered Louisiana lobbyist. strategy by identify- been in that “John L. Daniel has long been an as- ing and developing position since 2016 set to our industry and our community relationships with DANIEL and is now senior because of his superb banking exper- individual physi- regional president for the company. tise, civic and cultural service, and his cians, specialty practice groups and Prior to joining Hancock Whitney commitment to Greater Baton Rouge,” WEST Bank, Daniel worked for the past 31 Schneckenburger says. other healthcare- years at JPMorgan Chase as an execu- The newly christened Hancock Whit- related companies. In addition to his tive director, senior commercial banker ney Bank—the result of a 2010 merger healthcare focus, West will provide and senior vice president. His banking between Hancock Bank and Whitney customized lending, banking and wealth experience also includes positions in Bank—has locations in Mississippi, Ala- management services to other profes- sionals, executives, business owners commercial and real estate lending at bama, Florida, Louisiana and Texas. • and wealthy families in the Dallas/ Fort Worth metroplex. West began his banking career in ARKANSAS Missouri-Based Southern Bank Promotes 1985 with First City National Bank in Roberts to Market President in Central Arkansas Houston and has worked for Bank of America, Hibernia/Capital One Bank, CHRIS ROBERTS has been promoted to nity bank president for Southern Bank’s Heartland Financial USA and BB&T. market president for Poplar Bluff, Searcy location and has five years of He earned a double degree in Missouri-based Southern Bank in Searcy. experience as a senior commissioned finance and human resources manage- In his new position, bank examiner. He graduated from ment from Texas Tech University. West he will oversee the the University of Central Arkansas serves on several advisory boards, commercial lending with a degree in finance and attended including Dallas Real Estate Ministries and branch opera- graduate school at Louisiana State and serves as a student mentor for the tions for Southern University. SMU Cox School of Business. Bank’s Central Chartered in 1887 as a mutual Founded in 1989 as the Northwest Arkansas region. institution owned by its depositors, the Crossing National Bank and soon after This includes Searcy, bank’s founders deposited $100,000 changing its name to Southwest Bank Bald Knob, Bates- in the Poplar Bluff Loan and Building in of Texas, the name was changed again ROBERTS ville and Bradford, order to provide financing to help peo- in 2005 to Amegy Bank. A subsidiary and he will also handle the bank’s ple buy homes. Southern Bank’s total of Zions Bancorporation, Amegy Bank business development in Little Rock. assets are approximately $1.9 billion has more than 75 locations in Texas With 29 years of banking experi- and it operates 41 locations in Missouri, and is one of the largest banks in ence, Roberts was previously a commu- Arkansas and Illinois. • Houston. •

PUBLISHED EVERY MONDAY EXCEPT THE FIFTH MONDAY OF THE MONTH TEXAS The Federal Reserve Bank of Dallas Announces Executive Promotions The Federal Reserve Bank of Dallas as examining officer. recently announced the following pro- Korb joined the Fed- motions. eral Reserve Bank MELISSA HUNT has been promoted in 1998. She earned ESTABLISHED 1942 to vice president and endpoint services a BBA degree in ac- (USPS 041180) executive for the Federal Reserve counting from Tar- System’s end-user leton State Universi- Southwest banking news services function. ty and is a graduate published every Monday except Previously, she of the Southwestern the fifth Monday of the month at KORB served as assistant Graduate School of 1700 Rio Grande St., Ste. 100 vice president of Banking at SMU. Austin, Texas 78701 mobility solutions. BOB MAHALIK has been promoted to Hunt has more than assistant vice president in the banking Neil Ferguson, Editor 24 years of experi- supervision department with continuing Contact Bankers Digest at ence providing responsibility for HUNT 512/474-6889 solutions for the mergers and [email protected] professional services firms, most acquisitions, exam www.bankersdigest.com recently as the business technology support and records director of Grant Thornton LLP. She management For display or classified holds a BBA degree from Stephen F. function. Previously, advertising inquiries, email Austin State University. he served as [email protected] ANTHONY MURPHY has been examining officer. promoted to senior economic policy Mahalik joined the One year subscription rate: MAHALIK advisor in the macroeconomics group of bank in 1984. He Print and digital $52 the research received a BBA degree in finance from Digital only $28 | Single copy $1 department. the University of North Texas. Previously, he TIM STEARNS has been promoted to Opinions expressed by served as economic assistant vice president in the banking writers of bylined articles in this policy advisor and supervision department with continuing publication are not necessarily senior economist. responsibility for those of Bankers Digest. We make Murphy joined the the community no representations or warranties bank in 2010. He banking function. for information, products received a DPhil Previously, he or services contained in any MURPHY (doctor of philoso- served as examining advertisement in this magazine phy) degree from Oxford University, an officer. Stearns or on the Bankers Digest website. MS degree from the London School of joined the bank in Editorial guidelines may be Economics and a BA degree from Trinity 1998. He earned a obtained upon request. Articles College Dublin. BA from Saint and photos may be submitted to STEARNS NICKI KORB has been promoted to Anselm College, above address or sent via email. assistant vice president in the banking which included a year abroad at Oxford Periodical postage paid at supervision department with continu- University, and is a graduate of the Austin, Texas, and at additional ing responsibility for the community University of Colorado’s Graduate mailing offices. banking function. Previously, she served School of Banking. • POSTMASTER Send address changes to SEND US YOUR BANKING NEWS! Bankers Digest Bankers Digest thrives on reporting all the news about the banking industry 1700 Rio Grande St., Ste. 100 in the Southwest. If your company has hired new professionals, promoted Austin, Texas 78701 colleagues from within or has any news to share with the Southwest banking community, we’ll give your bank the coverage it deserves. © 2018 BANKERS DIGEST [email protected]

2 | Bankers Digest May 28, 2018 Drop In Banking Compliance Index Exposes Regulatory Uncertainty; Reg Relief Will Trigger More, Not Less, Activity HE BANKING COMPLIANCE INDEX, a quarterly tracking index published by Continuity, a regulatory technology solutions firm, reveals historically low regula- T tory activity during the first quarter of 2018. While discussions around regulatory reform have continued in Congress, little concrete action was taken in the last quarter, causing uncertainty about the regulatory environment for many financial institutions. On May 22, the U.S. House passed the Economic Growth, Regulatory Relief and Consumer Protection Act (S. 2155), and while that’s great news for banks, many bankers speculate that with regulatory reforms will come more, not less, work for their teams. change that requires a shift in proce- dures, training and software. Financial “Congress continues to buzz with talk supposed to take effect this April, the institutions must remain proactive in of reducing regulatory burden, pointing date has been pushed back another year their regulatory monitoring and manage- to the potential for substantial change in to April 1, 2019. Another noteworthy ment to prepare for the changes ahead.” the coming months,” says Donna Camer- change was an update to the status of The Banking Compliance Index on, Continuity’s director of regulatory I/O. the Payday Lending Rule. In January, the is calculated each quarter using a “Institutions should avoid claiming victory Consumer Financial Protection Bureau multivariate analysis that can be prematurely, as there will be much work (CFPB) announced that it planned to weighted across different contexts and to do if rules are modified.” open a rulemaking process to reconsider is calibrated to determine the regu- The Banking Compliance Index, the rule. This will be an important pro- latory impact on financial institutions published quarterly by Continuity’s Reg- cess for financial institutions to watch. of varying sizes, product mixes and ulatory Operations Center, quantifies “The current CFPB posture suggests regulatory oversight. Key indicators the incremental burden on financial in- that several of its previous enforcements include volume, velocity and complexity stitutions in keeping up with regulatory might be repealed or amended; in fact, of regulatory change; time expended to changes. While the first quarter of each there have been no enforcement actions meet regulatory requirement(s); and su- calendar year is always the slowest in issued by the bureau since director pervision and the enforcement climate. terms of the pace of regulatory activity, Mulvaney assumed his position,” Cam- The BCI data sources include the CFPB, last quarter’s index dropped 15 percent eron says. “However, it’s critical for FDIC, FED, NCUA and OCC. from the same quarter of 2017 and financial institutions to realize that even For more information about Conti- reflected a sharp drop of 61 percent if regulations are rolled back and burden nuity and the Banking Compliance Index, from the fourth quarter of 2017. In Q1 is reduced, it still represents a significant visit Continuity.net. • 2018, the typical community financial institution needed slightly more than one half-time employee (0.67) to keep pace with regulatory changes. The 50 issuances between January 1 and March 31, 2018, were on par with previous first-quarter volumes. But, according to Cameron, they were less complex: only 1,234 pages of new regulation. Compliance costs also held steady, at $10,766 for the statistically average-sized financial institution. “It is not unusual to see a regulatory slowdown in the first quarter because fourth quarters are typically full of activi- ty to close out the year end with house- keeping issues and technical updates,” Cameron says. “While the number of issuances remained steady, they were generally less complex than we’ve seen.” An adjustment to the Prepaid Ac- counts Rule was a significant change during Q1 2018. While the rule was

Bankers Digest May 28, 2018 | 3 LOUISIANA Louisiana Bankers Association ARKANSAS Elects 2018–19 Officers, Board Members Citizens Bank Promotes PATRICK R. BIGLANE, president and CEO of ▸▸ RON E. SAMFORD JR. (Southeast Harris to Lead Retail Concordia Bank and Trust in Vidalia, was region) of Metairie Bank & Trust Co.; Operations at Main Branch installed as the 2018–19 chairman of ▸▸ JOHN FUSILIER of The Evangeline the Louisiana Bankers Association (LBA) Bank & Trust; and Citizens Bank recently promoted during the group’s 118th Annual Con- ▸▸ ROBERT T. TAYLOR, CEO of the KATHERINE HARRIS to assistant vice vention & Exposition, May 14–16. Biglane Louisiana Bankers Association in president and retail branch manager at its current financial succeeds KEN HALE, president and CEO Baton Rouge. • of BOM in Natchitoches. As outgoing services headquar- chairman, Hale will continue to serve for ters in Batesville. one year as immediate past chairman. Harris previously The other 2018–19 LBA officers are managed the bank’s Chairman-Elect GARY LITTLEFIELD of Eagle Mountain Gulf Coast Bank & Trust in Baton Rouge; branch. and Treasurer CARLY LEONARDS of After managing the retail operations JD Bank in Jennings. HARRIS LBA members newly elected to the of the current head- association’s board of directors are BIGLANE HALE quarters location, Harris will assume RYAN R. KILPATRICK (Northeast region) the same responsibilities at the new of Origin Bank in Ruston; and JASON D. Citizens Bank headquarters building on SMITH (Northwest region) of Citizens St. Louis Street in Batesville upon its National Bank NA in Bossier City. completion later this year. Other LBA directors continuing to “Katherine has consistently demon- serve for the upcoming year are: strated outstanding abilities as she has ▸▸ BLAKE S. WILLIAMS (Acadiana region) eagerly assumed increasing responsi- of Vermilion Bank & Trust in Kaplan; bilities during her service with Citizens ▸▸ Bank,” says PHIL BALDWIN, the bank’s DAVID R. “JUDE” MELVILLE III (Capitol LITTLEFIELD LEONARDS region) of Business First Bank in chief executive officer. Baton Rouge; Harris began her career with Citi- ▸▸ CHADWICK E. “CHAD” McCLUNG zens Bank six years ago as a teller and (Central region) of Colfax Banking Co.; customer service representative at the ▸▸ BRANDT J. DUFRENE (South Central branch in Pleasant Plains. She trans- region) of First National Bank USA in ferred as assistant manager at the Ea- Boutte; gle Mountain location and was named ▸▸ BRIAN W. NORTH (Southeast region) its retail branch manager in 2015. of Fifth District Savings Bank in Harris earned a BBA degree with an New Orleans; KILPATRICK SMITH emphasis in business management from the University of Central Arkansas. “Katherine excels at all of the attri- butes we seek in team members who TEXAS Missouri’s Commerce Bank Launches are committed to excellence in bank- Houston Office, Taps Solar as Market President ing and customer service,” says ADAM MITCHELL, Citizens Bank president. “She In mid-April, Kansas City, Missouri- Founded in distinguished herself in Citizens Bank’s based Commerce Bank opened its first 1865, Commerce EDGE program, which is a unique inter- Houston office and has hiredSEBASTIEN Bancshares Inc.’s nal curriculum that identifies, engages, SOLAR to be its market president. The key markets are prepares and develops a new genera- bank plans to focus on commercial located in Missouri, tion of banking leadership.” banking in Houston and expects to have Illinois, Oklahoma, Founded in 1953, Citizens Bank a team in place by the end of 2018. Kansas and Colora- currently has locations in Batesville, Solar was formerly a senior vice do, with additional Cave City, Imboden, Mountain View and president at Bank of Texas in Houston. offices across the SOLAR Pleasant Plains. Citizens Bank operates He holds a BS degree in international Midwest, as well as as a subsidiary of Citizens Bancshares of business from Trinity University. in Dallas and Houston. • Batesville Inc. • 4 | Bankers Digest May 28, 2018 TEXAS ARIZONA Farnham Joins Wisconsin-Based Centennial Bank Announces Johnson Financial Group as Senior Mortgage Loan Officer Hirings and Promotions ELLEN FARNHAM has been hired as with accountants, in Fredericksburg assistant vice president, senior mort- financial planners gage loan officer at Wisconsin-based and real estate agents. GREGG APPEL, CEO for Lubbock-based Johnson Financial Group in Scottsdale. She holds an MBA Centennial Bank, recently announced She has more than 35 years of banking degree from Williams several hirings and a promotion at the experience and, as an Arizona resident College and a BS degree company. for more than 25 years, has a strong in marketing from CARLIN FRIAR has joined Centennial knowledge2017 BIA Mag of ad.qxp_Bankers the area, working Digest closely Ad 4C 8/31/17Quinnipiac 7:10 AM Page College. 1 • FARNHAM Bank as Fredericksburg market pres- ident. With 30 years of bank industry experience, he most recently served as an executive for another well-respected community bank. CHUCK ALVAREZ has been appointed to the bank’s board of directors. A well- known Fredericksburg resident and local leader in the business community, he is president and CEO of the recruit- ing firm Cameron-Brooks. STEPHEN HARRIS has joined Centen- nial Bank to assist in the creation and management of the company’s commu- nity advisory board, which will provide strategic advice and recommendations on local decisions to the leadership of the bank. A former Centennial Bank em- ployee, Harris now owns and operates InSight Gallery with his wife, Elizabeth. In addition to the new members of the Centennial Bank team, KANDICE BETHKE has been promoted to mort- PROVIDING INSURANCE PROTECTION gage lending officer. Having started her FOR MORE THAN 30 YEARS career in banking in 2002 at another community bank, Bethke has held a Financial Institution Bond number of positions at Centennial Bank. Directors and Officers Liability Policy Centennial Bank is a $740-million Cyber Liability/Privacy Breach Response community bank with 14 locations Commercial Property, Auto, Worker’s Compensation across Texas, including Austin, Lubbock, Lender Placed Insurance Plainview, Tulia, Hart, Post, Slaton, Mortgage E&O and Impairment Kerrville, Fredericksburg, Boerne and Debit and Credit Card Fraud New Braunfels. • Insurance Coverage Review Group Health Insurance Insurance for Your Bank Commercial Customers

Proudly endorsed by the Texas, Oklahoma and Colorado Bankers Association 800ˆ318ˆ4142 INSURANCE“BIA.INSURANCE • WWW.BIA.INSURANCE

Harris, Bethke, Alvarez and Friar

Bankers Digest May 28, 2018 | 5 TEXAS Texas Bankers Hall of Fame Inducts Five Honorees TEXAS Five of the banking industry’s finest positive recognition to bankers in the Dixon Hughes Goodman were inducted into the TEXAS BANKERS Lone Star State who have made valu- Names Ensley as Partner HALL OF FAME ceremony on April 26 at able contributions to the profession and Sam Houston State University in Hunts- pioneered the Texas banking industry. Fort Worth-based Dixon Hughes ville. This year’s recipients were DAVID The Texas Bankers Hall of Fame hon- Goodman, a U.S. top 20 public account- R. BROOKS, Independent Bank Group; ors bankers based on nominations from ing and advisory firm, announced in May DAVID S. BARNARD, The National Bank of bankers around the state and those that ASHLEY ENSLEY, Gatesville; H. GARY BLANKENSHIP, Bank inductees are celebrated at a gala each CPA, is being of the West; WALTER G. HALL, Citizens spring. Proceeds from the gala support admitted as partner State Bank; and JILL SHARP VAUGHAN, the banking program at Sam Houston effective June 1. Zions Bancorporation. State University, as well as the execu- She will relocate to The Texas Bankers Hall of Fame was tive MBA scholarship program. the Dallas/Fort established by the Sam Houston State This year’s inductees were profiled in Worth market from Asheville, North University banking program to provide the March 12 issue of Bankers Digest. • Carolina, joining ENSLEY JONATHAN WILKE, managing partner in Fort Worth, to grow the firm’s financial services practice throughout Texas. A certified public accountant, Ens- ley has more than 10 years of financial services industry experience perform- ing external and internal audit engage- ments. She has served on engagement teams for public and private financial institutions, assisting clients with mergers and acquisitions, new account- ing standards and emerging regulatory guidance. In addition to external audit services, Ensley has assisted clients in compliance with SEC and FDIC account- ing and reporting rules, SOX Section 404 and FDICIA reporting, internal audit David R. Brooks, David S. Barnard, H. Gary Blankenship, Dr. Jim Bexley (chairman, Smith-Hutson and mutual to stock conversions. Endowed Chair of Banking), Jill S. Vaughan and Charles F. Hall (accepting for the late Walter G. Hall) Ensley received a bachelor of sci- ence degree and a master of science degree in accounting from Appalachian State University. LOUISIANA Origin Bank Hires Gron as With more than 2,000 people in 13 states, Dixon Hughes Goodman ranks Houston-Based Market Relationship Banker among the nation’s top 20 public ac- Ruston-based Origin Bank announced industry in various capacities, ranging counting firms.• recently that BRIAN GRON has been from teller and personal banker to cred- hired as a vice president, market it analyst and commercial lender. In his relationship banker new position at Origin Bank, he will SEND US YOUR for the bank’s focus on privately held small business- BANKING NEWS! Houston region. He es and lower middle-market companies, If your company has hired new will maintain an commercial real estate and equipment professionals, promoted colleagues office at Origin financing. Gron holds a BBA degree in from within, opened new branches Bank’s Memorial finance from Texas State University. or has any news to share with the City Financial Founded in Choudrant in 1912, Southwest banking community, we will Center. Gron has 10 Origin has close to 700 employees and give your bank the coverage it deserves. years of experience more than 40 banking centers in Louisi- GRON in the banking ana, Texas and Mississippi. • [email protected]

6 | Bankers Digest May 28, 2018 LOUISIANA TEXAS Heartland Financial USA Completes Century Next Financial Purchase of First Bank Lubbock Bancshares and Ashley Bancstock Co. Dubuque, Iowa-based HEARTLAND team as Heartland’s 11th state-char- Agree to Merger FINANCIAL USA INC. announced on tered bank. BARRY ORR will continue May 21 the completion of its purchase to serve as the chairman and CEO of Ruston-based CENTURY NEXT FINANCIAL of Lubbock-based FIRST BANK LUB- FirstBank Lubbock Bancshares and GREG CORP., the holding company of BANK OF BOCK BANCSHARES INC. and its wholly GARLAND will continue to serve as its RUSTON, and Crossett, Arkansas-based owned subsidiary, FIRSTBANK & TRUST. president. With this purchase, Heartland ASHLEY BANCSTOCK CO., the holding Heartland Financial USA expects the Financial USA will now have assets of company of FIRST NATIONAL BANK OF transaction to be accretive immediately approximately $11.2 billion. CROSSETT, announced in May that they to earnings per share and systems inte- “We are excited to welcome Bar- have executed a definitive agreement gration is planned for the third quarter ry Orr and the entire FirstBank and whereby Ashley Bancstock Co. will be of 2018. PrimeWest teams to Heartland to merged with and into Century Next As of March 31, 2018, FirstBank & operate our flagship bank in Texas,” Financial Corp. and First National Bank Trust had assets of approximately $972 says LYNN B. FULLER, chairman and CEO of Crossett will be merged with and into million, gross loans outstanding of $705 of Heartland Financial USA. “We are Bank of Ruston, resulting in a commu- million and deposits of $869 million. highly impressed with the people and nity bank with seven offices and more FirstBank & Trust serves Lubbock performance of FirstBank and the solid than $450 million in assets. and its surrounding communities from community banking franchise First- “This strategic combination with eight full-service banking centers Bank has built. With new and expanded First National Bank of Crossett…greatly throughout West Texas. Additionally, products and services, FirstBank & Trust expands our market area and enhances the company offers mortgage lending will continue to serve the Lubbock and our branch network,” says BILL HOGAN, services from eight offices throughout the West Texas markets admirably as president and CEO of Century Next. Texas through its wholly owned subsidi- Heartland Financial USA’s newest bil- “This is a winning combination for our ary, PrimeWest Mortgage Corp. lion-dollar charter.” customers and the community we serve At the time of Heartland Financial Heartland Financial USA Inc. oper- as they will benefit from our enhanced USA’s acquisition, First Bank Lubbock ates 125 banking locations serving 93 banking services,” says HERB HUTCHI- Bancshares became a wholly owned sub- communities in Iowa, Illinois, Wisconsin, SON, chairman of Ashley Bancstock. “Our sidiary of Heartland Financial USA. First- New Mexico, Arizona, Montana, Colora- shareholders will also benefit from own- Bank & Trust will continue to operate un- do, Minnesota, Kansas, Missouri, Texas ing shares in a high-performing, finan- der its present brand and management and California. • cially strong community bank with stock that is quoted on the OTC markets.” The transaction is expected to be PROTOTYPE DESIGN & ROLLOUT • BRANCH TRANSFORMATION • MAIN OFFICES/ HEADQUARTERS completed in the fourth quarter of 2018, subject to various approvals by regulatory authorities and the share- holders of both Century Next Financial and Ashley Bancstock, as well as other customary closing conditions. Century Next was advised by Sandler O’Neill & Partners LP and the law firm of Silver, Freedman, Taff & Tier- nan LLP. Ashley Bancstock was advised by Southard Financial LLC and the law firm of Mitchell, Williams, Selig, Gates & Woodyard PLLC. Established in 1905, Bank of Ruston operates three full-service banking centers in Louisiana—two in Ruston and one in Monroe. First National Bank of Crossett, founded in 1913, has two banking offices in Crossett, one banking 14333 GRISBY R D HOUS TON TEXAS 77079 office in Hamburg and one drive-up WWW.MGARCHITECTS.COM • 713-552-O7O7 banking office in Fountain Hill.• Bankers Digest May 28, 2018 | 7 TEXAS Texas Bankers Association Honors Banks with Cornerstone and LiFE Awards n late April, the Texas Bankers Foundation, the philanthropic arm of the Texas supplies, clothes, backpacks and other I Bankers Association, announced the 2018 recipients of its Cornerstone and Lead- essentials for the children. Texan Bank ers in Financial Education (LiFE) awards. Twelve banks were bestowed the awards at also organized parties for the children a luncheon on May 3 during the Texas Bankers Association’s 134th Annual Conven- and fundraisers for Kidz Harbor. tion in Houston. TEXAS BANK FINANCIAL, Weather- ford, received a Cornerstone Award for its Dual Credit and Workforce Education THE CORNERSTONE AWARD recogniz- adults to continue developing life Scholarship. For the 2016-2017 school es excellence in community involvement and social skills after high school. Rio year, Texas Bank Financial awarded by Texas banks. Here are the 2018 Bank has been a financial supporter scholarships to 33 Weatherford High Cornerstone Award recipients: of C.A.M.P. University for many years. School students who wanted to take AUSTIN BANK, Jacksonville, received During C.A.M.P. University’s Kentucky dual credit and workforce education the award for its Building East Texas To- Derby themed annual fundraiser, “A classes, but needed financial assis- gether initiative. Each of Austin Bank’s Night at The Races,” held each May, tance to do so. 32 offices selected a charitable com- three dozen Rio Bank employees partici- WOODFOREST NATIONAL BANK, munity partner to work with in 2017. pate as volunteers. The Woodlands, was recognized for its Partner organizations included school SECURITY BANK, Midland, was rec- Wealth Building Through Homeown- booster clubs, food pantries, nursing ognized for its Fighting Hunger cam- ership Program. The bank formed the centers, crisis centers, law enforcement paign. In 2017, Security raised funds first-of-its-kind, private/public venture groups, homeless shelters, humane for the West Texas Food Bank during with the Texas Department of Housing societies, children’s resource centers, Hunger Action Month in September. and Community Affairs to expand LMI libraries and mental health groups. The devastation caused by Hurricane homeownership through an innova- FIRST NATIONAL BANK TEXAS, Killeen, Harvey required much-needed aid from tive $10-million loan agreement that was recognized for its You Make a the West Texas Food Bank, leaving their increased access to down-payment Difference program, which emphasizes supplies low for serving West Texas res- assistance and closing cost funds. As the bank’s corporate commitment to idents. Through raffle ticket sales and part of this initiative, Woodforest also community and celebrates the great contributions from the bank, Security provided housing counseling scholar- work being done by employees through Bank presented a $10,000 check to the ships through NeighborWorks America. volunteerism. The bank provides a Food Bank at the end of the campaign. In addition, Woodforest’s Texas employ- matching grant for employee contri- The donation enabled the West Texas ees conducted more than 3,500 hours butions to qualifying organizations; to Food Bank to provide 40,000 meals to of homebuyer education through more date, $12,000 in matching funds have those in need. than 1,000 workshops. been distributed. In 2017, 550 entries TBK BANK, Dallas, received a Cor- The following banks received Cor- were logged by the bank’s Community nerstone Award for its work with two nerstone Award honorable mention: Development Tracking Tool, represent- community organizations: 2nd Saturday ▸▸ FIRST NATIONAL BANK OF BURLESON: ing more than 2,000 hours of service. and Interfaith Family Services. 2nd Sat- Employee $5 Jean Day Fridays LEGACYTEXAS BANK, Plano, was urday improves neighborhoods within ▸▸ PREFERRED BANK: honored for its Community Fest events. low-income areas of Dallas by renovat- Preferred Bank Gives Back Community Fest is the bank’s financial ing and providing affordable housing. In ▸▸ FIRST COMMUNITY BANK: literacy and outreach initiative that 2017, through matching contributions Relay for Life launched in 2015. It works with local from the Federal Home Loan Bank ▸▸ LUBBOCK NATIONAL BANK: Growing partners such as churches, schools and of Dallas, TBK Bank helped secure a Financial Literacy in West Texas other nonprofit and community part- $16,000 grant for 2nd Saturday. TBK ▸▸ FIRSTCAPITAL BANK OF TEXAS: ners in low- to moderate-income and Bank sponsored a family through FCB Community Impact Initiative high minority areas to provide space for Interfaith Family Services, which offers ▸▸ FIRST UNITED BANK & TRUST: the events, which are held three times apartment homes, counseling, finan- Denison Affordable Housing Project a year. Free to the public, Community cial coaching and childcare to formerly ▸▸ COMERICA BANK: Prom Dress Drive Fest is a family-friendly financial expo homeless families. with bilingual information and resourc- TEXAN BANK, Houston, was honored he LEADERS IN FINANCIAL EDUCA- es on a variety of community services. for its work with Kidz Harbor, a group T TION (LiFE) AWARD honors Texas RIO BANK, McAllen, received a foster care home located south of banks that are dedicated leaders in Cornerstone Award for its support of Houston in Liverpool that houses 50 to promoting financial education in their C.A.M.P. University, which provides 80 children. Texan Bank built closets for communities. opportunities for special-needs young Kidz Harbor. They also collected school Continued on page 10

8 | Bankers Digest May 28, 2018 TEXAS ARKANSAS The OCC reports that LONE STAR NATIONAL BANK, based in Pharr, has Elsa State Bank & Trust Branches opened a branch at 1505 Lone Star Way Enters Into Definitive The Office of the Comptroller of the in Edinburg. Agreement to Join Currency (OCC) reports that THE FIRST The OCC reports that JPMORGAN CHASE NATIONAL BANK AT PARIS, based in Paris, Rio Financial Services BANK NATIONAL ASSOCIATION, based in has opened a branch at 1320 W. Main Columbus, Ohio, has applied to open a On May 16, McAllen-based RIO FINAN- St. in Clarksville. branch at the northeast corner of CIAL SERVICES INC., the parent company S. University Pkwy. and LJ Pkwy. in of RIO BANK, and Elsa-based ELSA STATE LOUISIANA Sugar Land. BANK & TRUST CO. jointly announced the Branches The OCC reports that it has approved signing of a definitive agreement pro- an application by THE HONDO NATIONAL viding for the merger of Elsa State Bank The OCC reports that THE FIRST BANK, based in Hondo, to open a & Trust with and into Rio Bank. Subse- NATIONAL BANK OF JEANERETTE, based branch at 401 Main St. in Blanco. quent to the merger, Elsa will become a in Jeanerette, has applied to relocate part of Rio Bank. a branch from 910 E. Main St. in New The OCC reports that it has approved “We are excited to be expanding Iberia to 413 Jefferson Terrace Blvd. in an application by FIRST NATIONAL BANK our footprint in the Valley,” says FORD New Iberia. TEXAS, based in Killeen, to open a SASSER, president and CEO of Rio. “Elsa branch at 1000 E. 41st St. in Austin. State Bank & Trust has offices in Rio MISSISSIPPI The Texas Department of Banking Grande City, Roma, Edinburg and the Mergers and Acquisitions (TDB) reports that it has approved an Edcouch/Elsa area. These are markets application by LONE STAR BANK, based we have not been servicing in the past, The Federal Deposit Insurance Corp. in Houston, to open a branch at 310 but we look forward to becoming a part (FDIC), Dallas region, reports that Main St. in Sealy. of these communities.” BANCORPSOUTH BANK, based in Tupelo, Following the close of the transac- has applied to acquire ICON CAPITAL The TDB reports that FIRST STATE BANK tion, the combined market presence is CORP. in Houston. OF TEXAS, based in Three Rivers, has expected to total approximately $340 applied to open a branch at 4039 IH 10 Branches million in loans, approximately $477 East in Orange. million in deposits, and approximately The FDIC–Dallas reports that The TDB reports that BRUSH COUNTRY $550 million in total assets, with 14 COMMUNITY BANK, COAST, based in BANK, based in Freer, has applied to full-service branches from Brownsville Biloxi, has applied to relocate a branch open a branch at 4900 N. 10th St., to Roma. from 813 Estella St. in Fairhope, Ste. G1 in McAllen. “Our customers and employees will Alabama, to 206 N. Greeno Rd. in like the idea of merging with another Fairhope, Alabama. The TDB reports that TEXAS COMMUNITY locally owned bank in the Valley,” says BANK, based in Laredo, has applied to GLENN BELL, chairman of the board TEXAS relocate a branch from 305 S. Main St. of Elsa State Bank & Trust. “Rio Bank in Del Rio to 401 Pecan St. in Del Rio. shares the same values and culture as Branches The FDIC–Dallas reports that BRUSH Elsa State Bank & Trust Co.” The OCC reports that FIRST FINANCIAL COUNTRY BANK, based in Freer, has The boards of directors of Rio BANK NATIONAL ASSOCIATION, based applied to open a branch at 4900 N. Bank and Elsa State Bank & Trust have in Abilene, has applied to relocate two 10th in McAllen. unanimously approved the transaction. branches: from 125 SH 150 W., Ste. The transaction is subject to customary B1, in New Waverly to 9330 State Hwy The FDIC–Dallas reports that AMERICAN closing conditions, including receipt of 75 S. in New Waverly; and from 812 MOMENTUM BANK, based in College regulatory approvals and approval by 16th St. in Orange to 912 N. 16th St. in Station, has applied to relocate a Elsa’s shareholders. Orange. The bank has also applied to branch from 5851 Fruitville Rd. in SunTrust Robinson Humphrey acted open a branch at 3563 Riley Fuzzel Rd. Sarasota, Florida, to 5540 Fruitville Rd. as financial adviser to Rio Bank and the in Spring. in Sarasota, Florida. law firm of Langley & Banack Inc. acted as its legal adviser. Commerce Street The OCC reports that BANK OF AMERICA Capital LLC acted as financial adviser to NATIONAL ASSOCIATION, based in Elsa State Bank & Trust and the law firm Charlotte, North Carolina, has applied of Fenimore, Kay, Harrison & Ford LLP to open a branch at 11903 N. Grand Pkwy. East in New Caney. acted as its legal adviser. •

Bankers Digest May 28, 2018 | 9 LiFE Awards continued from page 8 financial education for more than 1,800 FOR SALE students in their communities. NEW TELLER CASH RECYCLERS: Two The 2018 LiFE Award recipients: TEXAS BANK, Henderson, was new, never-used NCR 6611 Teller Cash AMARILLO NATIONAL BANK was honored for its financial literacy efforts. Recyclers with stand and dual-sided recognized for its School Bank Project. Initiatives—such as participation in Ju- coin dispenser, along with Ram digital It started two in-school banks for the nior Achievement programs, publication combination dual control. Sales price 2017–18 school year. With the help of of financial literacy editorials, develop- $50,000 for both; original cost $75,000. Amarillo National Bank representatives, ment of high school capstone curricula Buyer responsible for shipping. For students work in one of four roles— and involvement through elementary more information or questions, please teller, customer service, security or reading programs—have allowed email [email protected] marketing—to help their fellow class- Texas Bank to fulfill its obligation to the with “MAY-2” in the subject line. mates open checking and savings ac- communities it serves by reaching close counts of their own. The bank pays to 2,000 community members with SERVICES $10 to students for each report card a direct involvement of more than 10 with As and Bs. percent of the bank’s staff. TWO RECENT MERGERS have put a hole FIRST UNITED BANK & TRUST received The following banks received LiFE in my schedule. Call 832/418-0643 a LiFE Award for its Spend Life Wisely Award honorable mention: for top-quality affordable loan review program. In 2017, the bank offered free ▸▸ FIRST NATIONAL BANK TEXAS: services. financial coaching sessions and work- Dismas: Your Future, Your Finances; shops to employees, customers and ▸▸ WOODFOREST NATIONAL BANK: POSITIONS AVAILABLE members of their community. Topics ReLi/ReStarter Program; and SBA LENDERS–DALLAS AND HOUSTON. included saving money, budgeting and ▸▸ Jerrica Anderson, TEXAS REPUBLIC Regional bank based in Texas is continu- debt elimination. First United Bank & BANK NA. ing to grow and is looking to add SBA Trust also held three internal financial Serving Texas banks since 1885, the lenders in both Houston and Dallas. well-being “challenges” for their em- Texas Bankers Association is the largest Send résumé to [email protected] or ployees. In 2017, First United partnered and oldest state bankers association in call Kevin Maynes at 214/515-7606. with the Everfi program to provide the nation. • SENIOR LENDING OFFICER: The Bankers Bankers Digest ADVERTISERS Bank—a correspondent bank headquar- Bankers Insurance Agency...... 5 Outsource ATM...... 3 tered in Oklahoma City with existing Heflin Building Systems...... 10 PhaseOne Design Builders...... 12 customer banks throughout Oklahoma, MG Architects...... 7 SW Graduate School of Banking.... Insert Texas and New Mexico—is seeking a se- nior lending officer for the Tulsa, Okla- BANKS AND CREDIT UNIONS homa, area and another senior lending officer for Texas. These officers will be Do you need Convenient Customer Locations ? responsible for managing a commercial loan portfolio and developing addi- We provide regional tional correspondent relationships and lending opportunities in their regions. design and construction These positions ensure that lending at a cost less than local activities result in maximum volume, Architectural/General generate appropriate profit for the bank contractor costs. and maintain a minimal delinquency Our complimentary ratio. Successful candidates will have marketing package strong, local professional networks and includes a 3D computer relationships with community banks rendering. in the respective geographical areas. Is your Board getting the Strong credit skills and the ability to best cost for your next communicate well in both written and verbal formats. Preferred requirements project? include undergraduate degree and/or CALL US! completion of graduate banking school with commercial lending experience. HEFLIN BUILDING SYSTEMS To apply, please email résumé with P.0. Box 152004 • Arlington, Texas 76015 • 817-460-0100 • www.heflinbuildings.com cover letter and salary expectations to [email protected]. EOE

10 | Bankers Digest May 28, 2018 COMMUNITY BANK IN EASTERN OKLA- COMMERCIAL LENDER, DENTON: Applicant should have experience in HOMA IS SEEKING EXPERIENCED LENDER. Denton’s best bank is seeking a cred- all lending areas and must understand First National Bank & Trust is seeking an it-skilled producer to grow portfolio loan regulatory requirements and the energetic, highly motivated loan officer and develop new clients. Competitive importance of outstanding customer for our Henryetta, Oklahoma, location. salary, strong benefits, respected bank- service. Primary duty will be generat- Candidates must possess five-plus ers. Mark Mitchell, Lone Star Search, ing new loan business with secondary years of experience in credit analysis, 972/335-9009. responsibility being servicing existing real estate, consumer, light commercial customer relationships. Salary is com- SENIOR LENDER/BUSINESS DEVELOPMENT and agriculture lending and business mensurate with qualifications. Please OFFICER: $175-million North Texas development. This position will assume submit résumé to jobs@bankersdigest. community bank seeks experienced an existing portfolio as well as work com, with “MAY-1” in the subject line. commercial and real estate lender with with the market president in managing a heavy emphasis on business devel- BANK SEARCH AND PLACEMENT: Lone certain loans. The successful candidate opment to assist in bank growth. The Star Search is a retained search firm will be self-driven and energetic with a ideal candidate will have an established obsessed with matching culture fit and positive attitude, have a college degree customer network that can produce $7 client/candidate expectations. All cli- and proficiency in Microsoft Word, million to $10 million new loans annual- ents and candidates are met personally, Excel and Outlook. Expectations upon ly. Must have four or more year’s direct statewide, ensuring a more thorough employment are to become active in lending experience. A formal degree understanding of needs. Mark Mitchell, the community and willing to perform in finance or accounting is preferred. 972/335-9009, lonestarsearch.net. community service as a representa- Competitive base salary augmented by tive for the bank. Ideally, the selected COMPLIANCE ANALYST: Local community a lucrative incentive bonus and benefits candidate would relocate and reside to bank in Shreveport is seeking a com- package. Send résumé in confidence to: the Henryetta area. Please send résumé pliance professional. Applicants must HR Officer, P.O. Box 338, Bridgeport, TX with salary requirements and cover have knowledge of commercial, con- 76426; or email to [email protected]. letter to Missy Wilson, HR Director, P.O. sumer and mortgage compliance, in- Equal Opportunity Employer. Box 1037, Okmulgee, OK 74447; or to cluding HMDA and CRA. BSA experience [email protected]. EOE PRESIDENT: Community bank just is also preferred. Must have knowledge outside of the Dallas/Fort Worth area of all banking regulations. Salary is PEDESTAL BANK IS SEEKING RETAIL is looking for a president or senior commensurate with experience. Please MANAGER/CONSUMER LENDERS FOR THE banker with 10-plus years experience send résumés to jobs@bankersdigest. HOUMA AND LAKE CHARLES, LOUISIANA in all aspects of operating a retail bank. com using the subject line “AP-1.” MARKETS. The ideal candidate will have Work with the current president during proven skills in operating a sales and BANKING PRODUCT MANAGER–REMOTE transition. Send résumé to apotenti@ service environment. A track record OR IN OFFICE: Excellent opportunity to babich.com or call Anthony Potenti in developing and servicing business lead and manage the product manage- 214/515-7609. relationships through outside calling ment team. Opportunity to work from programs. Ability to provide exceptional EXPERIENCED LOAN OFFICER: Locally home or office in the Louisiana, Dallas customer service and address a wide owned and operated, $750-million or Houston footprint. Please call or variety of customer needs. A minimum community bank located in East Texas send résumé to [email protected] five-plus years of bank management pre- seeks an experienced loan officer. 214/515-7606. ferred. Competitive salary and benefits. Send résumés to [email protected]. EOE/minority/female/disabled/veteran Classified Advertising Information PEDESTAL BANK IS SEEKING COMMERCIAL LENDERS FOR THE LAKE CHARLES, LOUISI- RESPONDING TO CLASSIFIED ADS directed to Bankers Digest, email inquiries to jobs@ ANA, AREA. Opportunity for a commer- bankersdigest.com and include the box number in subject line; or mail responses to Box cial, real estate or business lender with Number c/o Bankers Digest, 1700 Rio Grande St., Ste. 100, Austin, Texas 78701. a minimum five years proven lending CLASSIFIED AD RATES rates are $45 for the first 30 words; $10 for each additional 10 experience and exceptional business words per insertion. Ads that use a Bankers Digest box number for forwarding responses development and relationship building will be charged an additional $5 per insertion for handling. Classified ads are posted on skills. The ideal candidate will possess the Bankers Digest website (bankersdigest.com) for the duration of the advertising agree- credit and underwriting experience with ment at no additional charge. The advertising deadline is noon Monday for the following a strong emphasis on credit analysis. Monday’s publication. Only principals will be assigned box numbers. Competitive salary and benefits. Send résumés to [email protected]. EOE/ DISCLAIMER: Bankers Digest makes no representations or warranties for information, minority/female/disabled/veteran products or services contained in any advertisement herein.

Bankers Digest May 28, 2018 | 11 PERIODICAL

1700 RIO GRANDE ST., STE. 100 AUSTIN, TEXAS 78701 (USPS 041180)

ADDRESS CHANGES: When contacting Bankers Digest about your subscription, enclose the address label from your most recent issue. Changes in address or other information can be made at www.bankersdigest.com.

LOUISIANA Origin Bancorp Tours Nasdaq, Rings Closing Bell On May 17, Ruston-based ORIGIN BAN- CORP, the financial holding company for Origin Bank, celebrated its recent listing on the Nasdaq exchange by engaging in the time-honored tradition of ringing the bell to mark the closing of the trad- ing day. Origin’s stock was listed on the Nasdaq exchange on May 9 under the symbol OBNK. Founded in Choudrant in 1912, Origin has close to 700 employ- ees and more than 40 banking centers in Louisiana, Texas and Mississippi. • LIBBY GREEN/NASDAQ INC.

Universal Banker

Cafe O ce

Tech Wait Desk NextGen Teller Pod

Is Your Branch Future Ready?

Micro-branches to home o ces, PhaseOne’s future ready branches optimize branch operations and call centers while infusing design elements that create an inviting banking experience for all. We provide turnkey design build services including architectural design, construction, branch transformation, prototype design, site selection, aordability analysis, and other strategic facility planning services. PHASEONE Contact us for a free strategic facility planning consultation. 800.972.6443 | [email protected] | www.phaseonebuilders.com