AUGUST 20, 2018 | VOLUME 153, NUMBER 7 | BANKERSDIGEST.COM

TEXAS Austin Bank Welcomes Gunnels as Senior ARKANSAS Executive Vice President and Deputy Chief Credit Officer Austin Leads Citizens Bank MICHAEL L. GUNNELS has joined commercial credit with Compass Bank in Crossett Market Jacksonville-based Austin Bank as in Dallas. He began his banking career On August 7, Batesville-based Citizens senior executive vice president and with Grand Bank in Dallas in 1976 as a Bank announced the hiring of NICK deputy chief credit credit analyst, working his way up to AUSTIN as city president for the bank’s officer. He comes to become president of the bank before it Crossett market. He Austin Bank with 42 was sold in 1989. previously served as years of banking Gunnels studied finance at North assistant vice experience, most Texas State University. He has served president, branch recently with as president of the North Texas board manager and loan American National of the Risk Management Association, as officer for both the Bank in Terrell. well as a member of the organization’s Crossett and Serving 10 years national enterprise risk committee and GUNNELS Portland branches there as executive state board. of Parkway Bank, vice president and chief risk officer/ Austin Bank has been voted one of AUSTIN which Citizens Bank chief credit officer, his responsibilities the “Best Companies to Work for in Tex- acquired in 2015. Most recently, Austin included management of credit culture, as” for 10 consecutive years. The bank was a senior analyst with an oil and gas loan administration and documentation, has 32 East Texas locations within 23 company in Oklahoma. and enterprise risk management cities and 11 counties. Austin Bank is lo- Austin earned a bachelor’s degree in programs. Prior to joining American cally owned and operated by the Austin professional studies/applied leadership National Bank, Gunnels worked for four family, who is celebrating 109 years of from Arkansas Tech University and an years as senior vice president of service in the Texas banking industry. • associate in applied science degree in business administration from Bossier Parish Community College in Louisiana. MISSISSIPPI Lambert to Lead Data Analytics for BancorpSouth He is also pursuing a master’s degree in operations management at the Univer- On August 8, Tupelo-based Bancorp- balance-sheet management, credit-risk sity of Arkansas. Austin is a graduate South Bank announced that TY LAMBERT management, capital stress testing and of the Arkansas Bankers Association has been tapped as its new chief data corporate planning for the bank. Prior Lending and Banking School and his analytics officer. He to joining BancorpSouth, he was an community involvement has included will provide investment portfolio manager. serving on the board of the Crossett strategic guidance Lambert earned a bachelor’s degree Area Chamber of Commerce. on data insights and in accounting from Mississippi State “We are excited to have Nick lead our drive data-related University and an MBA degree from the efforts in this growing market in Ashley business change University of Mississippi. He currently County and the surrounding area,” says across the organiza- serves as an adviser to the Center for CHRIS LAMPKIN, market president for tion. Since joining Financial Professionals and previously Citizens Bank in Southeast Arkansas. BancorpSouth as an served on the American Banker’s advi- “We recognize the importance of having LAMBERT accountant in 2006, sory board for stress testing. someone locally who knows and cares Lambert has held a variety of manage- With approximately $17 billion in about the area and the clients we serve.” ment positions, including his most assets, BancorpSouth operates 280 Founded in 1953, Citizens Bank has recent role as senior vice president and locations in Alabama, Arkansas, Florida, more than 180 employees, approxi- director of treasury analytics. He will Louisiana, Mississippi, Missouri, Ten- mately $750 million in assets and 20 continue to have an active role in nessee and Texas. • branch locations across Arkansas. •

PUBLISHED EVERY MONDAY EXCEPT THE FIFTH MONDAY OF THE MONTH TEXAS BancorpSouth Names Wilds New Dallas Division President and Phinney Community Bank President in Salado Tupelo, Mississippi-based BancorpSouth Bankcorp South Bank has named TOM WILDS Dallas Bank also recent- division president. He previously served ly named FARON as the bank’s Dallas PHINNEY community ESTABLISHED 1942 market president, a bank president for (USPS 041180) position he held for the Salado market. more than three He has worked in Southwest banking news years. Wilds has the banking indus- published every Monday except nearly four decades try for 33 years, PHINNEY the fifth Monday of the month at of bank manage- most recently serv- 1700 Rio Grande St., Ste. 100 ment experience ing as First State Bank Central Texas’ Austin, Texas 78701 with large banks, Belton market president, a position he WILDS smaller independent held for 20 years. First State Bank Cen- Neil Ferguson, Editor banks and the private sector. He will be tral Texas merged with BancorpSouth responsible for overseeing BancorpSouth earlier this year. Contact Bankers Digest at Bank’s lending and expansion in the area. Phinney is a graduate of Angelo 512/474-6889 Wilds is a graduate of Washburn State University with a bachelor’s de- [email protected] University with a bachelor’s degree in gree in finance and real estate. He also www.bankersdigest.com business administration and marketing. graduated from the American Bankers For display or classified He is also a graduate of the American Association’s Commercial Lending advertising inquiries, email Bankers Association School of Banking School at the University of Oklahoma. [email protected] in Lincoln, Nebraska. BancorpSouth operates 280 loca- tions in Alabama, Arkansas, Florida, One year subscription rate: NOW AVAILABLE Louisiana, Mississippi, Missouri, Ten- Print and digital $52 NOW AVAILABLE nessee and Texas. • Digital only $28 | Single copy $1 Print Online eBook Opinions expressed by LOUISIANA writers of bylined articles in this

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2 | Bankers Digest August 20, 2018 More Than a Third of Millennials Have Switched more than 15 minutes to be connected with a representative from their bank. Banks Due to Poor Service. Can Chatbots Help? With almost one-third (28 percent) of INANCIAL INSTITUTIONS ARE ADOPTING NEW ONLINE FEATURES and respondents stating that they end up capabilities to cater to digital natives, but understanding how they are im- having to call their bank at least once a F pacting the online banking experience is still under review. Humley, a creator month to take care of a small task, long of artificial intelligence (AI) chatbots, recently surveyed 1,000 Americans to help wait times certainly compound problems identify strengths and weaknesses in the current banking experience. With fewer and risk customer loyalty. customers going to banks in person, online banking customer service has never been One way that banks are ad- more important. dressing long hold times and improving the online banking experience According to Humley’s survey, 40 say they typically use their smartphone is by adopting percent of millennials reveal that they app, while one-third (33 percent) use a chatbots. Contrary have switched banks due to poor ser- web browser. It’s clear that developing a to what some may vice, with 77 percent of users saying superior banking experience that offers think, users surveyed they would switch to a bank offering multi-channel digital access to customer are very much on board. better service if given the opportunity. services is critical to a bank’s success. Two-thirds of those surveyed It’s also clear that millennials don’t like Once consumers develop consistent, felt that an AI-powered chatbot being put on hold, as 31 percent of positive online banking experiences, would be useful in assisting them those surveyed say they would switch to they are fairly loyal to their banks. Most and 44 percent would rather com- a bank that didn’t have long call waits. respondents reported that they are loyal municate with a chatbot than a real When asked about the most frequent (37 percent) or very loyal (34 percent) to person, assuming it could answer their way users access their bank, more than their current bank. That said, one-third questions as reliably as a live agent. two-thirds (68 percent) of millennials of millennials reported having waited Continued on page 8

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Bankers Digest August 20, 2018 | 3 ARKANSAS Southern Bancorp Community Partners Names MISSISSIPPI Neal President of Nonprofit Development Organization Guess Joins Texas Capital In July, Little Rock-based Southern Neal’s most recent work includes Bank Group in Gulfport Bancorp Inc., parent company of leading efforts to create a Bank On Ar- Southern Bancorp Bank, announced that kansas coalition, which will encourage RUSS GUESS recently joined Dal- KARAMA NEAL Ph.D. financial institutions and others to offer las-based Texas Capital Bank as a senior has been selected to products and services to Arkansans vice president, relationship manager for serve as president of who are underbanked and unbanked. the company’s Southern Bancorp She also developed Southern Bancorp’s financial institutions Community Partners, new Opportunity Center initiative, group in Biloxi, a nonprofit develop- which connects community members which covers the ment finance with the company’s financial develop- Southeastern U.S. organization and ment and lending services. He previously loan fund that works Neal received her bachelor’s degree served as a sales NEAL in partnership with from Swarthmore College, a master’s manager at the Federal Home Loan Southern Bancorp Inc. and Southern degree in bioethics and health policy GUESS Bancorp Bank. The goal of the organiza- from Loyola University and her Ph.D. in Bank of Dallas, and tion is to increase access to capital in genetics and molecular biology from prior to that worked for Regions underserved markets through financial Emory University. She is also a graduate Financial Corp. and Bancorp South. He education support, public policy of the Impact Investing Programme at holds a BBA degree in business and real advocacy and flexible lending. the Said Business School at the Univer- estate from Mississippi State University Prior to being promoted to presi- sity of Oxford. and an MBA degree in finance from dent, Neal served as Southern Bancorp Founded in 1986, Southern Bancorp Millsaps College. Community Partners’ chief operations Bank is one of the nation’s largest rural Founded in 1998, Texas Capital officer. She joined the organization as a development banks, with 46 locations Bank is one of the top 100 FDIC banks in the U.S. by asset size. senior grant writer in 2009. in Arkansas and Mississippi. • •

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4 | Bankers Digest August 20, 2018 TEXAS NEW MEXICO New Mexico Bankers Association FirstCapital Bank of Texas Elects New Officers and Board Members at Convention Welcomes Fullbrook The New Mexico Bankers Association Newly elected to the NMBA board (NMBA) elected officers and new board are SCOTT CZARNIAK, regional president Midland-based FirstCapital Bank of members recently at its 107th Annual at First National 1870 in Albuquerque; Texas has hired GWEN FULLBROOK to Convention in Albuquerque. MARK HORN, president of Pinnacle serve as mortgage JOHN GULAS, president and CEO of Bank in Gallup; and DAVID HOCKMUTH, loan originator for Los Alamos National Bank, was sworn regional president at Wells Fargo Bank the bank’s new in as NMBA president during the dinner in Albuquerque. Those continuing to Fredericksburg and business session that capped the serve on the NMBA board are SHEILA branch opening convention. JASON WYATT, president of MATTHEWS, president and CEO of Four later this summer. Western Commerce Bank in Carlsbad, Corners Community Bank in Farmington; She has worked in was elected president-elect of the asso- STEVE MUELL, president of First Nation- the mortgage and ciation. RON WISER, president and CEO al Bank in Alamogordo; RON SCHMEITS, banking industry FULLBROOK of Bank of the Southwest in Roswell, will president and CEO of International Bank since 2002. continue to serve as NMBA’s secretary in Raton; DANNY BEYHAN, president and Founded in 1998, FirstCapital Bank and treasurer; and MICHAEL LOWRIMORE, CEO of The Citizens Bank in Farmington; of Texas serves customers in West Tex- senior vice president and Southwest re- STEPHEN PUNTCH, CEO of Roswell-based as, the Panhandle and Hill Country. • gional manager for Albuquerque-based Pioneer Bank; and LONNIE TALBERT, exec- Bank of the West, will serve as NMBA’s utive vice president and COO at South- OKLAHOMA immediate past president. west Capital Bank in Albuquerque. • Jerrold Hudson 1951–2018 Longtime Oklahoma banker JERROLD LEE (JERRY) HUDSON passed away in Tulsa on August 2 at the age of 66. Born in Pueblo, Colorado, in 1951, Hudson’s family moved frequently, but finally settled in Houston where Jerry GULAS WYATT WISER LOWRIMORE graduated from high school in 1969. After earning both a bachelor’s degree HUDSON and an MBA degree from the Oklahoma State University College of Business, Hudson began a long and distinguished career in banking, working for several banks in Tulsa. His last position in the industry was serving a long tenure as president and CEO of Valley National Bank in Tulsa. In retirement, Hudson stayed active in the community. He was most proud of his service as chairman of the Oklahoma State University Medical Authority & Trust, as well as his work with the Okla- homa United Methodist Foundation. Hudson is survived by his wife of 45 years, Nancy; daughter Jill Ridener and her husband, Brian; son, David; and grandchildren Jackson, Annabella, Andrew and Lucy. •

Bankers Digest August 20, 2018 | 5 TEXAS SMU’s Southwestern Graduate School of Banking Announces 2018 Graduates The Southwestern Graduate School of Banking (SWGSB) at Southern Method- ist University in Dallas held its 2018 commencement on June 8 for the 59th graduating class. CYNTHIA L. BLAN- KENSHIP, vice chairman and corporate president of Bank of the West, gave the commencement address; ROBERT S. KA- PLAN, president and CEO of the Federal Reserve Bank of Dallas, was this year’s keynote speaker. The 2018 graduates represent more than 69 financial institutions in 13 states. They each have at least five years of banking experience, either in a financial institution, or a federal or state regulato- ry agency. Most hold a senior-level post in their organization or are on a fast track within their management ranks. Established in 1957, SWGSB is con- sidered one of the top banking educa- tional institutions in the nation. CLASS of 2018 : SOUTHWESTERN GRADUATE SCHOOL of BANKING at SMU*

William C. Black, Horizon Bank SSB, Austin, Texas Robin McDougald, Texas First Bank, Baytown, Texas Joseph Blaschke, The Bank of Clovis, Clovis, New Mexico Travis McKinney, Central Texas Farm Credit, ACA, Brownwood, Texas Shirley Coe, Austin Bank, Texas NA., Whitehouse, Texas Ryan Merrill, First Bank, Fort Worth, Texas Lace Deibert, Texas Bank & Trust, Canton, Texas Daniel Miller, Armstrong Bank, Muskogee, Oklahoma Christopher Earthman, First United Bank & Trust, Colbert, Oklahoma Michael Morris, Post Oak Bank, Pasadena, Texas Ryan Ellis, Citizens National Bank, Henderson, Texas William R. Moseley, FDIC, Shreveport, Louisiana Leslie Enright, Justin State Bank, Justin, Texas Aaron Newquist, Independent Bank, Denton, Texas Julie Faro, Bank of DeSoto NA, DeSoto, Texas Tate Nichols, Security State Bank, Farwell, Texas Matthew Farve, First National Bank & Trust Co., Ardmore, Oklahoma Jay Orr, Commerce Street Capital, Austin, Texas Riley Floyd, Pioneer Bank, Austin, Texas Joshua Plasencio, First Savings Bank, Deming, New Mexico Lesli Gilbert, Independent Bank, McKinney, Texas Robert Reagan, Citizens National Bank, Shreveport, Louisiana Stephanie Graham, First State Bank of Mobeetie, Mobeetie, Texas James R. Rector, Green Bank NA, The Woodlands, Texas Reid Griggs, First Savings Bank, Alamogordo, New Mexico Monica Resendez, Lone Star National Bank, McAllen, Texas Victor Haddad, Lone Star National Bank, McAllen, Texas Brandon Reyes, Texas Gulf Bank NA, Houston, Texas Kelly Hamer, Farm Bureau Bank, San Antonio, Texas Michele Robinson, Texas Regional Bank, Harlingen, Texas Eric Hargroves, Resource One Credit Union, Dallas, Texas Leann Sanchez, The First National Bank of Moody, Moody, Texas Jason T. Hayes, First State Bank, Athens, Texas Christian Schjetnan, First Financial Bank NA, Midlothian, Texas David Helms, Origin Bank, Frisco, Texas Barry R. Smith, The First National Bank of Gilmer, Gilmer, Texas Ryan Hunter, PlainsCapital Bank, Lubbock, Texas Haley Snell, Veritex Community Bank, Fort Worth, Texas Mairelis Jessup, OCC, North Richland Hills, Texas Scott Socia, Relyance Bank NA, Pine Bluff, Arkansas Keith Jones, The First National Bank of Anson, Anson, Texas Camille Stanfield, Shelby Savings Bank SSB, Center, Texas Charles R. Keller, Lake Dallas, Texas Charles Stephens, TIB–The Independent BankersBank, Farmers Branch, Texas Michael Kerr, Southside Bank, Fort Worth, Texas James Stokes, Texas Financial Bank, San Angelo, Texas Dustin Keys, Maple Financial Holdings, Dallas, Texas Justin Tucker, Classic Bank NA, Cameron, Texas Curtis Kruse, Vantage Bank Texas, San Antonio, Texas Nathan Van Noord, Brenham National Bank, College Station, Texas Blake Laird, Austin Bank, Tyler, Texas Mary Lou Vicencio, Inter National Bank, McAllen, Texas Austin Lewis, Origin Bank, Dallas, Texas Alicia Wade, Valliance Bank, Oklahoma City, Oklahoma Thomas Lingle, Citizens State Bank, Woodville, Texas Crystal Wagoner, FirstCapital Bank of Texas, Midland, Texas Jeffery Little, The First State Bank, Louise, Texas Rodney West, Simmons Bank, Fort Smith, Arkansas Colin Luba, PlainsCapital Bank, Dallas, Texas Joshua Whitehurst, United Bank of El Paso del Norte, El Paso, Texas Deanna Maas, LegacyTexas Bank, Prosper, Texas Gregory Wisian, Texas Department of Banking, Houston, Texas J. Travis Marlar, Centennial Bank, Lubbock, Texas Carson Wright, YNB, Yukon, Oklahoma Jonathon Mason, Third Coast Bank, Humble, Texas Landon Yeager, Baptist Church Loan Corporation, Dallas, Texas Zach May, Central Texas Farm Credit, Early, Texas Erik Yohe, Hilltop Holdings, Dallas, Texas Bobby McAlpine, Armstrong Bank, Tahlequah, Oklahoma Dustin McClendon, Texas Farm Credit, Robstown, Texas * Excluding graduates from states not covered by Bankers Digest

6 | Bankers Digest August 20, 2018 ARKANSAS NEW MEXICO BayCom Corp and Bethlehem Citizens Bank Selects Financial Corp. Announce Definitive Merger Agreement First Location in Little Rock On August 13, Walnut Creek, Califor- As of June 30, BFC had approxi- nia-based BAYCOM CORP, the holding mately $156.6 million in assets, $79.4 Citizens Bank of Batesville is expanding company for UNITED BUSINESS BANK million in loans, $136.2 million in into Arkansas’ largest market with a (UBB), and Belen-based BETHLEHEM deposits and $16.1 million in stock- West Little Rock presence, according FINANCIAL CORP. (BFC), parent company holder’s equity. Upon completion of the to a report in Arkansas Business. The of MYBANK, announced the signing of transaction, the combined company will bank’s offices in the Euronet Building an agreement and plan of merger under have approximately $1.5 billion in total at 17300 Chenal Pkwy. will be an entry which BayCom has agreed to acquire assets, $993 million in total loans and point to the Pulaski County market. The 100 percent of the common stock of $1.3 billion in total deposits. UBB will 3,166-square-feet office will provide BFC for cash consideration of $23.5 have 14 locations in California, two in temporary quarters for ADAM MITCHELL, million or $62 per share. Washington and six in New Mexico. Citizens Bank president and chief lend- Upon closing, which is expected “At the end of the day, our business is ing officer, and an expanding staff. to occur in the fourth quarter of 2018, only as good as our people, and we are “It’s the first step in a planned MyBank will be merged into UBB. The looking forward to having the MyBank expansion into the Little Rock market,” transaction will expand Baycom Corp’s team join the United Business Bank PHIL BALDWIN, Citizens Bank CEO told presence in the Albuquerque metropol- family,” says GEORGE GUARINI, president Arkansas Business. “This will allow us to itan area and provide entry into nearby and CEO of UBB. “ED ROBERTSON [BFC begin taking deposits and making loans. communities. MyBank serves central president and CEO] and his team built a We will be looking at other space in the New Mexico through five branches in solid franchise that we believe we can Little Rock/North Little Rock area. You Belen, Rio Communities, Los Lunas, leverage with additional products, capi- will see a traditional branch built within Albuquerque and Mountainair. tal and increased lending limits.” • one year.” • LET MPA HELP MANAGE RISK AND KEEP YOUR BUSINESS RUNNING High-Security Financial Facilities Deployed within 24-72 Hours Across the United States Disaster Recovery Programs offer: • Buildings delivered to • 6 months free rental location within 24 to 72 hours • As an enrolled program following a disaster member you receive these • Standard and economy buildings with no transportation, programs to fit your needs installation, or removal fees

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Bankers Digest August 20, 2018 | 7 OKLAHOMA Blue Sky Bank’s Parent Company, Chatbots continued from page 3 NBC Bancshares in Pawhuska, Acquires Bank of Cushing While millennials are five times less likely to visit their bank in person, in- On August 7, NBC BANCSHARES IN the past 113 years, it has grown and terest in chatbots as a way to improve PAWHUSKA INC. (NBC), parent company changed names several times, being the online banking experience was seen of BLUE SKY BANK, and BANK OF CUSHING known as the National Bank of Com- announced the signing of an agreement merce, NBC Bank and, most recently, across all of the generations that were pursuant to which NBC will purchase Citizens Bank of Oklahoma. While main- surveyed by Humley. In fact, more than 100 percent of the stock of Bank of taining its roots in Pawhuska, the bank two-thirds of users between 18 and 70 Cushing. Bank of Cushing will continue to grew first to mid-town Tulsa in 2004 years of age would rather communicate operate as a wholly owned subsidiary of and then expanded into Cleveland in with a chatbot after hours than wait NBC. Upon completion of the transaction, 2014. Citizens Bank was renamed Blue to go in person to the bank the next expected to close in the fourth quarter Sky Bank in 2016. day, and 35 percent of users would of 2018, the combined banks will have Bank of Cushing was established in rather communicate with a chatbot more than $300 million in assets. 1897. In 1907, the bank consolidated during business hours than wait on hold. Furthermore, more than a quarter (26 GENTNER DRUMMOND, majority with another small community bank to owner of NBC, announced that Bank become Farmer’s State Bank. In 1913, percent) of respondents would switch to a new bank offering 24/7 chatbot of Cushing’s President JOHN BRYANT the bank nationalized to become Farm- support. and Executive Vice President BRENDA er’s National Bank. By 1917, STEPHEN In order to deliver on chatbot poten- MAGDEBURG will continue to lead the A. BRYANT, TOM J. HUGHES and R.C. tial and consumer expectations, banks Bank of Cushing. Upon completion of the JONES purchased the principal stock of transaction, Bank of Cushing will join Farmer’s National Bank. The bank has would be wise to adopt virtual assis- NBC’s banking operations doing business remained a part of the Bryant family tants that can engage conversation- ally though natural language. A good as Blue Sky Bank in Tulsa, Pawhuska and and, in 1978, JOHN A. BRYANT became Cleveland, Oklahoma. the current president and chairman of chatbot should be able to understand Blue Sky Bank was chartered in the bank. In 1980, the bank changed its a user’s question in the greater context Osage County in 1905 as the Bank name to Bank of Cushing and continues of the chat and serve as something that of Commerce in Pawhuska. During to serve the greater Cushing region. optimizes user interaction, rather than • serving as a hindrance or source of frustration. The race is on to improve the online ARIZONA Bank of the West Hiring Hundreds in Tempe banking experience with the latest digital technologies and advancements San Francisco-based BANK OF THE WEST Bank of the West announced last fall in artificial intelligence, and financial plans to hire nearly 400 workers by the that it would open the Tempe office un- institutions should consider prioritizing end of the year at its Tempe operations der the leadership of JOHN THOMASON, the technologies that make it easier for center, keeping with plans to hire 1,000 head of the bank’s corporate services customers to get the information they people in Arizona during 2018, accord- division. Nearly 600 people work in seek with clarity and ease. ing to a recent report in the Phoenix the office currently. The bank employs “In an increasingly digital world, Business Journal. about 10,000 people nationwide. • financial institutions are putting a lot of thought behind how to improve the online customer experience. Adopting the right kind of chatbot can make quite a difference,” says Ed Smith, chief product officer of Humley. “AI-powered chatbots with natural language capa- bilities that put subject matter experts in control will save banks valuable time and resources while improving custom- er satisfaction across generations.” • Founded in 2014, Humley provides an AI-powered cognitive-assistant platform to improve customer experiences in a “chatbot”—or virtual assistant—setting. For more information, visit Humley.com.

8 | Bankers Digest August 20, 2018 TEXAS Steele Holdings to Acquire, Merge with Joaquin Bankshares On July 31, STEELE HOLDINGS INC., American State Bank being the succes- approximately $414.5 million in total parent company of Arp-based AMERI- sor of the merger. assets after the merger. CAN STATE BANK, announced that it has Texas State Bank operates seven “Texas State Bank is a tremendous entered into definitive agreements to locations—one each in Huntington, organization with a rich history of going acquire 100 percent of the issued and Lufkin, Center, Timpson and Chester, above and beyond the call of duty in outstanding shares of common stock of and two in Joaquin. Upon completion serving the needs of its customers, com- JOAQUIN BANKSHARES INC. and, there- of the merger, the combined entity will munities and employees,” says BRANDON by, indirectly acquire its subsidiary, have 13 offices in nine cities and four T. STEELE, chairman of the board and Joaquin-based TEXAS STATE BANK. The counties across Texas. sole owner of Steele Holdings Inc. “MARK bank holding companies are expected As of June 30, Texas State Bank LOWERY [president and CEO of Texas to merge in late 2018, and American had total assets of $130.8 million. On State Bank] and the entire Texas State State Bank and Texas State Bank are a combined basis, American State Bank family should be very proud of the expected to merge in early 2019, with Bank and Texas State Bank would have exceptional bank they have built.” •

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10 | Bankers Digest August 20, 2018 bank products and services. Competitive to 10 years’ experience originating C&I, (SBA, real estate, commercial benefit package, Equal Opportunity CRE, SBA and deposit relationships. and consumer), compliance, paid Employer. Please submit your résumé to Could move into a leadership role. Prefer loans, maintenance and filing—and [email protected]. credit trained, currently producing in the maintaining compliance with all Texan their market. Base salary 125–200k+, Bank policies and procedures, as well as COMPLIANCE SPECIALIST: The Compliance progressive incentive plan. Send résumé maintaining regulatory compliance. To Alliance division of the Texas Bankers to [email protected] or call Anthony learn more, see the full job description at Association in Austin is in search of a Potenti at 214/515-7609. texanbank.com/Employment.aspx. Equal compliance specialist. Must have three Opportunity Employer. to five years banking or regulatory EXPERIENCED, ABLE LOAN OFFICER: experience or compliance consulting. Locally owned and operated, LOAN ADMINISTRATOR: The primary Must be detail-oriented with strong $750-million A+ Rated community bank purpose of this job is to process loans communication skills and working (by Weiss Ratings) located in East Texas from intake to booking while maintaining knowledge of banking regulations. We seeks loan officer. Applicant should compliance with all Texan Bank policies offer excellent benefits and competitive have experience in all lending areas and procedures, as well as maintaining salary commensurate with experience. and must understand loan regulatory regulatory compliance. To learn Please submit résumé to Peyton Taylor at requirements and the importance of more, see the full job description at [email protected]. outstanding customer service. Primary texanbank.com/Employment.aspx. Equal duty will be generating new loan Opportunity Employer. COO/CASHIER/VICE PRESIDENT: business with secondary responsibility Community bank located in Henryetta, CREDIT ANALYST: The purpose of this being servicing existing customer Oklahoma, is looking for an individual position is to assist the chief credit relationships. Salary is commensurate with experience in bank financials. officer and the commercial bankers with qualifications. Submit résumé to Will be responsible for supervision with reports and review and monitor [email protected], with of the operations area. Experience in loan files to ensure proper completion “MAY-1” in the subject line. asset liability management a plus. The in compliance with bank policies and successful candidate will deal with PRESIDENT: Looking for senior CRE procedures and applicable banking audit and examination reviews and lender/manager for president role regulations. To learn more, see the auditors. We are willing to train bank in central Texas with $700-million full job description at texanbank.com/ internal auditor from CPA firm. CPA bank. Strong builder construction Employment.aspx. Equal Opportunity certification is not required. Salary development lending with strong credit Employer. commensurate with experience. This is skills. Please call or email Kevin@ DEPOSIT OPERATIONS CLERK: The an executive position. Send résumé to Babich.com or 214/515-7606. primary purpose of this position is to [email protected]. SENIOR LOAN ADMINISTRATOR: The perform various deposit operations PRESIDENT: Community bank just outside primary purpose of this job is to process duties of the bank. To learn more, see of the Dallas/Fort Worth area is looking loans from intake to booking while the full job description at texanbank. for a president or senior banker with exhibiting extensive knowledge of loan com/Employment.aspx. Equal 10-plus years experience in all aspects operations—i.e., loan documentation Opportunity Employer. of operating a retail bank. Work with the current president during transition. Send résumé to [email protected] or call RESPONDING TO CLASSIFIED ADS Anthony Potenti 214/515-7609. When responding to classified ads directed to Bankers Digest, email LOAN ADMINISTRATION MANAGER– inquiries to [email protected] and include the box number in the CENTRAL TEXAS: Understanding of all subject line; or mail responses to Box Number c/o Bankers Digest, 1700 Rio types of loan documentation criteria and Grande St., Ste. 100, Austin, Texas 78701. lending-related policies and procedures, including compliance. Knowledge of CLASSIFIED AD RATES commercial, consumer and mortgage Rates are $45 for the first 30 words; $10 for each additional 10 words per loans is preferred. Management insertion. Classified ads that use a Bankers Digest box number for forwarding experience is preferred, but not required. responses will be charged an additional $5 per insertion for handling. [email protected] 214/515-7606. Classified ads are posted on the Bankers Digest website (bankersdigest.com) SENIOR COMMERCIAL LENDERS: DALLAS, for the duration of the advertising agreement at no additional charge. The HOUSTON AND AUSTIN: Texas bank advertising deadline is noon Monday for the following Monday’s publication. looking for senior commercial lenders Only principals will be assigned box numbers. in Dallas, Houston and Austin with five

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TEXAS Frost, Legendary Banker and Philanthropist, Passes Away TOM C. FROST JR., former president and CEO of San Antonio-based Frost Bank, died on August 10 at age 90. He was the fourth genera- tion to lead the bank, which was BANKERSDIGEST.COM founded 150 years ago by his great- grandfather, Thomas C. Frost. Tom Frost Jr. 20 years of correspondent residential mortgage lending success. began his banking FROST Trust is based career in the mail on performance... room at Frost Bank, advancing to pres- and performance ident at age 34. He steered the bank takes time. through the economic downturn in Tex- as in the 1980s, overseeing its growth preceding Cullen/Frost’s entrance onto the New York Stock Exchange in 1997. Of the top 10 banks in Texas in 1980, only Frost Bank emerged from the decade without a merger or outside as- sistance, due in large part to Tom Frost Jr.’s leadership. Frost was a prominent philanthro- pist in the San Antonio community, serving on countless boards, including the McNay Art Museum and the San Antonio Livestock Exposition. He was passionate about education issues. “Tom Frost was a civic giant,” San

Antonio Mayor Ron Nirenberg said in And you can trust us to protect your business. We’ll communicate with you and your a statement this week. “More than a customers to ensure a thorough understanding of how your loan is progressing. And, business leader, he was a caring and we’ll make sure it is handled smoothly and professionally. compassionate citizen who understood We know your customer relationship is valuable and we will safeguard it for you. and served the heart and heritage of Where is the proof? There’s 20 years San Antonio.” of performance. Frost is survived by his wife of 67 years, Patricia “Pat” Holden Frost, four Call Teresa Lyman to schedule sons and their wives, 13 grandchildren a Rapid App 877.918.5528 • 405.348.0300 demo today! Member and two great-grandchildren, with one 17100 North May Avenue • Edmond FDIC bankersmortgage.com on the way. •