AUGUST 13, 2018 | VOLUME 153, NUMBER 6 | BANKERSDIGEST.COM

TEXAS Citizens Hires Brown, Thompson and Bockholt Kilgore-based Citizens Bank has an- as the branch retail Oklahoma Heritage nounced additions to its executive team. executive of BBVA Bank Names Keith BARRY BROWN has been hired as the Compass Bank. He CEO of the newly created loan produc- is a veteran of the Executive Vice President tion and deposit production office in U.S. Air Force and a DAVID KEITH has joined the executive Plano. With more graduate of Lamar management team at Stratford-based than 36 years of University, where Oklahoma Heritage Bank as executive banking experience, he received both his vice president and he will be responsi- undergraduate de- THOMPSON chief banking officer. ble for the growth gree in applied arts He will serve on the and development of and sciences and an MBA degree. bank’s executive the bank’s first DAVID BOCKHOLT joins the bank committee of senior metroplex location. as vice president of commercial lending officers, consultants Prior to joining for The Woodlands banking center. BROWN and shareholders, Citizens Bank, he With more than overseeing the was responsible for the opening of a de 35 years of experi- strategic plans for KEITH novo branch for Bank and Trust in ence, his primary the bank, recruiting Frisco. Brown served in the U.S. Naval responsibility will new banking relationships, developing Reserve for more than 29 years. He is a be commercial marketing concepts and promoting graduate of Southeastern Louisiana lending. Prior to exceptional customer service. Keith will State University. joining Citizens work closely with CEO MIKE JACKSON, WES THOMPSON joins Citizens Bank Bank, Bockholt President DUSTIN RIDDLE and Senior as CEO of the Kountze and Sour Lake served as senior BOCKHOLT Vice President CHANCE BRANSCUM in banking centers. With more than 10 vice president of the daily management of Oklahoma years of banking experience, he will be commercial lending for PlainsCapital Heritage Bank’s four locations. He will responsible for the day-to-day man- Bank. He is a graduate of Sam Houston work with the board to implement its agement, financial performance and State University. strategic growth plan. long-term growth strategy for those Chartered in 1949, Citizens Bank Keith has 21 years of banking locations. Previously, Thompson served has 10 locations in Texas. • experience. Prior to joining Oklahoma Heritage Bank, he served six years as president of a major branch bank in the Simmons Bank Names Rawls EVP area. His additional training includes the American Bankers Association Little Rock-based Simmons Bank has Rawls served as Commercial Lending School at Southern named CHAD RAWLS executive vice market president Methodist University. He has attended president and executive director of for Faulkner County the Oklahoma Bankers Association’s credit and loan operations. He will and as vice presi- consumer and commercial lending oversee commercial underwriting, loan dent over corporate training programs, as well as the administration and loan operations. banking in Arkansas. organization’s Intermediate School of Rawls comes to Simmons after seven He is a graduate of Banking. Keith earned a BS degree from years at Bear State Bank, where he was Leadership Greater East Central University. chief credit officer, chairman of the -ex Little Rock and was RAWLS Oklahoma Heritage Bank has four ecutive loan committee and a member named to Arkansas locations—Ada, Stratford, Byng and of the bank’s executive team. He began Business magazine’s “40 under 40” List Roff—with plans for a new flagship his banking career at U.S. Bank in 2005. in 2013. • state-of-the-art facility in Ada. •

PUBLISHED EVERY MONDAY EXCEPT THE FIFTH MONDAY OF THE MONTH TEXAS Beall Named Senior VP at Community National Bank STUART BEALL has been promoted to and remains involved in overseeing the senior vice president and lending special-asset department. Beall manager for Midland-based Community currently sits on the internal loan National Bank. With committee and strategic planning more than 13 years committee. Earlier in his career, he of banking industry concentrated on residential projects ESTABLISHED 1942 experience, he was and interim construction lending. (USPS 041180) formerly senior vice Beall earned his BBA degree from Southwest banking news president of Angelo State University and joined Com- published every Monday except commercial lending, munity National Bank in 2005. the fifth Monday of the month at managing a large Established in 1984, Community 1700 Rio Grande St., Ste. 100 commercial loan National Bank has more than a dozen BEALL Austin, Texas 78701 and deposit branch locations in Midland, Odessa, portfolio. He also has extensive Stanton and the Dallas/Fort Worth Neil Ferguson, Editor experience with special-asset credits metroplex. • Contact Bankers Digest at 512/474-6889 [email protected] TEXAS In Memoriam: Bank of the West’s Lee Hertel www.bankersdigest.com LEE HERTEL, 63, passed away on April the economic de- For display or classified 6, having served as a banker in the velopment advisory advertising inquiries, email Lone Star State throughout his 35-year committee for the [email protected] career. Most recently, he was employed City of North Rich- by Bank of the West as president of its land Hills, as well as One year subscription rate: North Richland Hills branch. Prior expe- serving as a member Print and digital $52 rience also included executive positions of the Hurst/Euless/ Digital only $28 | Single copy $1 at MidSouth Bank, Pinnacle Bank and Bedford Chamber of Liberty Bank. Commerce and the Opinions expressed by HERTEL In addition to his love of banking, Hurst/Euless/Bed- writers of bylined articles in this Hertel also treasured his time sitting on ford ISD Education Foundation. • publication are not necessarily those of Bankers Digest. We make no representations or warranties PROTOTYPE DESIGN & ROLLOUT • BRANCH TRANSFORMATION • MAIN OFFICES/ HEADQUARTERS for information, products or services contained in any advertisement in this magazine or on the Bankers Digest website. Editorial guidelines may be obtained upon request. Articles and photos may be submitted to above address or sent via email.

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2 | Bankers Digest August 13, 2018 Banking Compliance Almost Doubles in Second Quarter 2018 “When any change occurs, institu- tions must make significant modifica- HE BANKING COMPLIANCE INDEX NEARLY DOUBLED from Q1 2018 to Q2 tions, such as retraining staff, upgrad- 2018, revealing the significant impact of regulatory relief bill S. 2155, which ing technology, reevaluating risk and contained more than 50 regulatory changes. The increase suggests that any T tweaking operational procedures,” change, whether adding or reducing regulations, translates to extra work for . Cameron observes. “This is why it’s critical for institutions to have a strong, In addition, the regulating agencies institution went from 219 hours in comprehensive change-management have now filled their vacant leadership Q1 2018 to 369 hours in Q2 2018, a system in place to help them quickly positions, which reduced some of the 68 percent increase. Continued on page 10 regulatory uncertainty experienced last quarter and may have contributed to a warmer enforcement climate. “It’s not unusual to experience an uptick in regulatory activity from Q1 to Q2, but this is a more substantial jump than we’ve seen in years past,” says Donna Cameron, director of regulatory I/O at Connecticut-based Continuity. “We’re just starting to see the impact of the regulatory relief bill on banks, credit unions and lenders. The bill add- ed a significant number of pages and material that organizations had to read, interpret and decide on appropriate action forward.”

The Banking Compliance Index, published quarterly by Continuity’s Regulatory Operations Center, quanti- fies the incremental burden on financial institutions in keeping up with regula- tory changes. The typical community financial institution needed more than one full-time employee (1.11) just to keep pace with regulatory changes. This score doesn’t include the resources institutions are already dedicating to regulatory and compliance efforts. There were 61 issuances delivered between April 1 and June 30, 2018, up from 50 issuances the previous quar- ter. Compliance costs increased from $10,776 in Q1 2018 to $19,114 in Q2 2018, and hours required to comply per

Bankers Digest August 13, 2018 | 3 ARKANSAS FNBC Bank Hires Blackburn and ARKANSAS McCain for Jonesboro Loan Production Office Generations Bank Welcomes Ash Flat-based FNBC Bank has hired J.R. ident and senior relationship manager Sixth-Generation Banker BLACKBURN as senior vice president and at another Northeast Arkansas bank. Harrell in Fayetteville commercial lender and LAURA McCAIN He holds a BS degree in finance from as client relation- Arkansas State University. In addition, On August 2, Hampton-based Genera- ship assistant to he completed the Graduate School of tions Bank announced the addition of join its newly Banking of the South in Baton Rouge, MAX HARRELL as a commercial banker formed loan Louisiana, and the Graduate Commer- on its Fayetteville production office cial Lending School in Indianapolis, staff. He is the sixth team in Jonesboro. Indiana. generation of Blackburn and McCain spent the past 15 of her bankers in the McCain will join more than 30-year banking career as Harrell family—the BRAD SNIDER, a commercial relationship assistant at son of JON HARRELL, BLACKBURN community presi- another bank in Jonesboro. She holds bank chairman, and dent, and BROCK a BS degree in business administration the grandson of the FLETCHER, vice and an associate of science degree from late SEARCY HARRELL president and Arkansas State University. She serves HARRELL JR. Max commercial lender, on the board of the Craighead County Harrell has been an employee of whose new posi- Single-Parent Scholarship Fund and Generations Bank since 2014, serving in tions were an- in local and county leadership roles various positions including teller, loan nounced in the for the Girl Scouts of Crowley’s Ridge clerk, loan intern and junior credit August 6 edition of Council. analyst. He holds a bachelor’s degree in Bankers Digest. Chartered in 1912 as the Bank of finance from the University of Arkansas. McCAIN Blackburn is Ash Flat, FNBC Bank serves six North Established in 1907, Generations a 26-year banking veteran who most Central Arkansas counties. Jonesboro Bank has nine locations in South and recently worked as a senior vice pres- is the bank’s 11th location. • Northwest Arkansas. •

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4 | Bankers Digest August 13, 2018 LOUISIANA TEXAS Harrison Named Senior VP at Texas Gulf Bank Investar Bank Hires Terry, JEFF HARRISON has been appointed se- Established in Judice and Zimmermann to nior vice president, commercial lender 1913, Texas Gulf at Freeport-based Texas Gulf Bank NA, Bank serves custom- Launch Specialized Program where he will focus on expanding the ers in Brazoria, Har- Baton Rouge-based Investar Bank commercial client base. A longtime ris and Galveston recently hired LINDA O. TERRY as a resident of the League City area, he counties and is five- commercial relationship manager and brings more than 30 years of banking star rated from both vice president to develop and grow a experience, with 27 years focused on Bauer Financial and new litigation financing program for the commercial lending. Bankrate.com. • HARRISON bank. The program is designed exclu- sively for personal-injury trial attorneys. Terry brings 34 years of banking experience to the job, with 25 of those years focused in litigation financing. She joins Investar Bank from MidSouth Bank, where she served for 29 years. Also joining the team is SHELLY JUDI- CE as a commercial relationship man- ager and assistant TERRY vice president, and KRISTY ZIMMERMANN as a commercial banking specialist. They both are re- sponsible for build- ing and enhancing customer relation- ships. Judice has 20 PROVIDING INSURANCE PROTECTION years of banking ex- JUDICE FOR MORE THAN 30 YEARS perience, with three Financial Institution Bond years specializing in Directors and Officers Liability Policy litigation financing. Zimmermann has Cyber Liability/Privacy Breach Response five years of banking Commercial Property, Auto, Workers’ Compensation experience and is Lender Placed Insurance responsible for han- Mortgage E&O and Impairment dling the day-to-day Debit and Credit Card Fraud activities for the new litigation financing Insurance Coverage Review ZIMMERMANN program. Group Health Insurance “[Terry, Judice and Zimmermann] Insurance for Your Bank Commercial Customers bring 59 years of combined banking experience and have hit the ground running,” says JEFF BLUM, commercial and industrial banking president and Proudly endorsed by the Texas, Oklahoma executive vice president. and Bankers Association Investar Bank serves several mar- 800 318 4142 kets with 20 branches across South INSURANCE BIA.INSURANCE • WWW.BIA.INSURANCE Louisiana. •

Bankers Digest August 13, 2018 | 5 ARIZONA Shaffer Joins Nevada-Based LOUISIANA Meadows Bank as Regional President in Arizona First Federal Bank Welcomes In early August, Las Vegas, Neva- various commercial lending positions Smith as Business Banker da-based Meadows Bank announced at First Community Bank, Bank of the Lake Charles-based First Federal Bank of that ALEX SHAFFER has joined the Southwest and Comerica Bank, where Louisiana recently announced that CALE company as the he developed a strong understand- SMITH has joined its business banking regional president ing of numerous industries, including services as vice in Arizona. He is an commercial real estate, construction, president and 18-year veteran of manufacturing and automotive. business banking commercial banking, Shaffer also serves on the advisory specialist for the having served in the board of LISC Arizona, a community bank’s Central Phoenix and Tucson development organization. Louisiana region. He markets, as well as “Alex’s familiarity in the Phoenix previously served as in Las Vegas, commercial banking market, along with SHAFFER business relation- Nevada, and his notable accomplishments over his ship manager for Sacramento, California. 18 years, will be a tremendous asset to SMITH JPMorgan Chase and Most recently, Shaffer worked at US Meadows Bank and our desire to help our senior business banker for Capital One. Bank in Phoenix as vice president/rela- customers thrive and grow,” says ARVIND Cale received his master’s degree in tionship manager for emerging busi- MENON, the bank’s president and CEO. finance from Louisiana State University. ness. He was recognized as the highest Founded in 2008, Meadows Bank Founded in 1949, First Federal Bank producing emerging business relation- operates branches in Las Vegas, Hen- of Louisiana operates 16 branches ship manager for all of US Bank in 2017. derson, Reno and Pahrump, Nevada, as serving 10 cities across Southwest and Prior to serving at US Bank, Shaffer held well as in Phoenix. • Central Louisiana. •

INDEPENDENT BANKERS ASSOCIATION OF TEXAS 44TH ANNUAL CONVENTION September 22-25, 2018 | La Cantera Resort & Spa | San Antonio, Texas

6 | Bankers Digest August 13, 2018 TEXAS ARKANSAS One Bank & Trust to Complete Merger Hilltop Holdings Into First National Bank of Paragould in August Completes Acquisition of On August 1, FIRST NATIONAL BANK in Arkansas. Conversion of all One The Bank of River Oaks OF PARAGOULD announced that it had Bank locations, services and software completed the acquisition of Little systems will begin on August 24 and is On August 1, Dallas-based HILLTOP Rock-based ONE BANK & TRUST, which scheduled to be completed by August HOLDINGS INC., the holding company for had been in business for 61 years. 27. With One Bank’s six offices, First PLAINSCAPITAL BANK, announced that it Founded in 1889, First National Bank National Bank of Paragould will have ap- has completed its acquisition of privately of Paragould is the eighth-largest bank proximately 20 offices in Arkansas.• held Houston-based THE BANK OF RIVER OAKS in an $85-million all-cash transac- tion. The acquisition more than doubles PlainsCapital’s Houston-area portfolio with the addition of approximately $342 million in total loans and approximately $369 million in total deposits. The Bank of River Oaks’ three locations will now operate as full-service PlainsCapital branches, increasing PlainsCapital’s presence in the market to five locations. “The successful completion of this acquisition is a significant step forward as we seek to expand our commercial lending efforts in the Houston area,” says JEREMY B. FORD, president and co- CEO of Hilltop Holdings. With the closing of the transaction, The Bank of River Oaks Chairman R. ANDY LANE JR. will serve as Plains- Capital’s Houston region chairman. In addition to Lane, its leadership team consists of JERRY BREWER, who leads the bank’s private banking business, and MARK TROTH, who oversees health When is a hand-off a hand up? care lending. Brewer and Troth will serve as PlainsCapital Bank branch presidents in Houston. Hilltop Holdings was advised in the Businesses with immediate cash flow needs just want simple transaction by Wachtell, Lipton, Rosen solutions they can count on. When a traditional loan isn’t feasible, and Katz as legal counsel. The Bank of consider sending them to Mazon for AR financing. We’re fully River Oaks was advised by Performance Trust Capital Partners LLC as financial accredited, with more than 40 years experience, and glad to give advisor and Parrott Sims McInnis & Fos- your referrals a hand up for as long ter PLLC as legal counsel. as they need it. Questions about The Bank of River Oaks was founded in Houston in 2005 with local expertise the hand-off? Contact Lisa Hultz, in commercial lending, private banking [email protected] or 972.554.6967. and healthcare lending. Hilltop Holdings provides business and consumer banking services from offices located across Texas through ACCOUNTS RECEIVABLE FINANCING | BUSINESS FINANCING | FACTORING PlainsCapital Bank. 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8 | Bankers Digest August 13, 2018 ARKANSAS The ASBD reports that BODCAW BANK, Branches based in Stamps, has applied to open a Branches The OCC reports that it has approved branch at 2125 N. Jackson in Magnolia. an application by FIRST NATIONAL The Arkansas State Bank Department BANK TEXAS, based in Killeen, to (ASBD) reports that SOUTHERN TEXAS open a branch at 1702 11th St. in BANCORP BANK, based in Arkadelphia, Huntsville. has applied to relocate a branch from Branch Purchase 502 E. Main St. in Gurdon to 600 E. The Office of the Comptroller of The OCC reports that JPMORGAN CHASE Main St. in Gurdon. the Currency (OCC) reports that BANK NATIONAL ASSOCIATION, based in Columbus, Ohio, has applied to The ASBD reports that FIRST COMMUNITY COMMERCIAL BANK OF TEXAS NATIONAL open a branch at the northeast corner BANK, based in Batesville, has applied ASSOCIATION, based in Nacogdoches, of Calhoun Rd. and University Dr. in to open a branch at 2525 McLain St. in has applied to purchase a branch of Houston. Newport. Longview-based TEXAS BANK AND TRUST CO. located at 877 7th St. in Cushing.

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IBAT Education Foundation Iwww.ibat.org/banking-schools Bankers Digest August 13, 2018 | 9 Compliance Index continued from page 3 partners to help them automate com- SERVICES pliance processes, interpret regulations and efficiently navigate the impact of and centralize efforts to prepare for the INTERNAL AUDIT OUTSOURCING: Time regulatory activity, especially now in upcoming changes.” to improve or develop your internal the wake of regulatory relief.” The Banking Compliance Index (BCI) audit function? Our firm can help! We Reinstatement of the Protecting Ten- is calculated using a multivariate analy- provide administrative guidance or ants at Foreclosure Act was a significant sis that can be weighted across different training to your personnel or will handle change during Q2 2018. The act, which contexts and is calibrated to determine all your internal audit needs. Oversight, was terminated in December 2014, was the regulatory impact on financial insti- operational, IT, regulatory compliance, reinstated by the regulatory relief bill, tutions of varying sizes, product mixes FDICIA and SOX—we can assist your effective June 23. Other notable provi- and regulatory oversight. Key indicators company in all facets of internal sions of the bill were changes to the ways include volume, velocity and complexity auditing. Call Bryan Kendrick to discuss reciprocal deposits and high volatility of regulatory change; time expended at 210/413-4134 or visit our website at commercial real estate are calculated to meet regulatory requirement(s); and www.kendrickservices.com. and reported. These amendments were supervision and the enforcement cli- TWO NEW, NEVER-USED NCR 6611 TELLER effective on the day the regulatory relief mate. The BCI data sources include the CASH RECYCLERS with stand and dual- bill was enacted, May 24. Consumer Financial Protection Bureau, sided coin dispenser along with Ram “We can expect to see a more active Federal Deposit Insurance Corp., Feder- digital combination dual control. Sales second half of the year in regards to reg- al Reserve Bank, Office of the Comptrol- price $50,000 for both; original cost ulatory activity and issuances,” Cameron ler of the Currency and National Credit $75,000. Buyer responsible for shipping. says. “Agencies have made it clear that Union Association. The BCI is calculated For more information or questions, they plan to accelerate regulatory relief using the statistically average size of a please email advertising@bankersdigest. activity and provide guidance as soon as domestic financial institution, currently com with “MAY-2” in the subject line. possible. Financial service organizations $350 million, according to publicly re- must proactively work with their regtech ported data available from the FDIC. • POSITIONS AVAILABLE

EXPERIENCED, ABLE LOAN OFFICER: Locally owned and operated, $750-million A+ Rated community bank (by Weiss Ratings) located in East Texas seeks loan officer. Applicant should BKD Financial Services have experience in all lending areas 2018 Symposium and must understand loan regulatory requirements and the importance of outstanding customer service. Primary duty will be generating new loan business with secondary responsibility being servicing existing customer relationships. Salary is commensurate with qualifications. Submit résumé to [email protected], with “MAY-1” in the subject line. COMPLIANCE SPECIALIST: The Compliance Alliance division of the Texas Bankers Association in Austin is in search of a compliance specialist. Must have three to five years banking or regulatory Save the date for the 2018 Financial Services Symposium, where experience or compliance consulting. we’ll provide guidance on topics redefining the banking industry. Must be detail-oriented with strong communication skills and working Dallas, Texas • Wednesday, October 24 • George W. Bush Institute knowledge of banking regulations. We offer excellent benefits and competitive Register at bkd.com/bkdsymposium2018 salary commensurate with experience. Please submit résumé to Peyton Taylor at [email protected].

10 | Bankers Digest August 13, 2018 COO/CASHIER /VICE PRESIDENT: and personal, in-market interaction. learn more, see the full job description at Community bank located in Henryetta, Simply better service. Mark Mitchell, texanbank.com/Employment.aspx. Equal Oklahoma, is looking for an individual Lone Star Search, 972/335-9009, Opportunity Employer. [email protected]. with experience in bank financials. LOAN ADMINISTRATOR: The primary Will be responsible for supervision LOAN ADMINISTRATION MANAGER– purpose of this job is to process of the operations area. Experience in CENTRAL TEXAS: Understanding of all loans from intake to booking while asset liability management a plus. The types of loan documentation criteria and maintaining compliance with all successful candidate will deal with lending-related policies and procedures, Texan Bank policies and procedures, audit and examination reviews and including compliance. Knowledge of as well as maintaining regulatory auditors. We are willing to train bank commercial, consumer and mortgage compliance. To learn more, see the internal auditor from CPA firm. CPA loans is preferred. Management full job description at texanbank.com/ certification is not required. Salary experience is preferred, but not required. Employment.aspx. Equal Opportunity commensurate with experience. This is [email protected] 214/515-7606. Employer. an executive position. PRESIDENT: Looking for senior CRE CREDIT ANALYST: The purpose of this COMMERCIAL LENDER: Looking to lender/manager for president role position is to assist the chief credit get away from the hassles of big city in central Texas with $700-million officer and the commercial bankers living? First Texas Bank Killeen seeks bank. Strong builder construction with reports and review and monitor loan officer for its Belton location. development lending with strong credit loan files to ensure proper completion Preferred candidate will have five skills. Please call or email Kevin@ in compliance with bank policies and to 10 years of commercial and real Babich.com or 214/515-7606. procedures and applicable banking estate lending experience. Must have regulations. To learn more, see the SENIOR LOAN ADMINISTRATOR: The excellent business development, credit full job description at texanbank.com/ primary purpose of this job is to process analysis and customer service skills. Employment.aspx. Equal Opportunity loans from intake to booking while Should be knowledgeable of current Employer. regulations and underwriting guidelines. exhibiting extensive knowledge of loan Competitive salary and benefits package. operations—i.e., loan documentation DEPOSIT OPERATIONS CLERK: The Email résumé and salary requirements (SBA, real estate, commercial primary purpose of this position is to to [email protected]. and consumer), compliance, paid perform various deposit operations First Texas Bank is an equal opportunity/ loans, maintenance and filing—and duties of the bank. To learn more, see affirmative action employer. maintaining compliance with all Texan the full job description at texanbank. Bank policies and procedures, as well as com/Employment.aspx. Equal PRESIDENT: Community bank just outside maintaining regulatory compliance. To Opportunity Employer. of the Dallas/Fort Worth area is looking for a president or senior banker with 10-plus years experience in all aspects of operating a retail bank. Work with the current president during transition. Send résumé to [email protected] or call Anthony Potenti 214/515-7609. SENIOR COMMERCIAL LENDERS: DALLAS, HOUSTON AND AUSTIN: Texas bank looking for senior commercial lenders in Dallas, Houston and Austin with five to 10 years’ experience originating C&I, CRE, SBA and deposit relationships. Could move into a leadership role. Prefer credit trained, currently producing in the their market. Base salary 125–200k+, progressive incentive plan. Send résumé to [email protected] or call Anthony Potenti at 214/515-7609. BANK SEARCH AND PLACEMENT: We specialize in officer-level searches requiring high degrees of confidentiality

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NEW MEXICO Pioneer Bank Employees Earn President’s Volunteer Service Awards In 2017, Roswell-based Pioneer Bank hours at various organizations; KARISSA with their banking needs; and JULIANA launched its Team Pioneer program, DOAN, retail banking supervisor in Las HALVORSON, vice president of marketing, making the company and its employees Cruces, volunteered more than 200 earned the award for volunteering more available to nonprofits in need of finan- hours helping the local business commu- than 500 hours. cial and/or volunteer help. Since then, nity grow; NANCY MONTGOMERY, retire- Recipients received an official pin, a many Team Pioneer members have got- ment specialist in Roswell, volunteered certificate, medallion and congratulatory ten involved in assisting local community more than 100 hours to help retirees letter from President Trump. • organizations. The President’s Volunteer Service Pioneer Bank award Award recognizes volunteers like Team recipients Pioneer who lead the charge and inspire Karissa Doan others. In June, Pioneer Bank announced and Kiel Hoffman (far that four of its employees have earned a left), and Nancy Presidential Volunteer Service Award. Montgomery KIEL HOFFMAN, market president in and Juliana Las Cruces, volunteered more than 337 Halvorson (left)