Bank Innovation

APRIL 10, 2020

The technological upgrades Happy State Bank made prior to the COVID-19 crisis has helped the lender service and onboard customers digitally and deploy its own SBA Paycheck Protection Program platform in a matter of days, CEO J. Pat Hickman told Bank Innovation.

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Community Bank Community Texas Innovation 284

CFPB Monitor

SEPTEMBER 6, 2023

The CFPB has filed its opposition to the motion for a preliminary injunction filed by the plaintiffs in the Kentucky federal court lawsuit challenging the CFPB’s final small business lending rule (Rule). The plaintiffs in the Kentucky lawsuit are the Kentucky Bankers Association and several Kentucky banks. Continue Reading

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Kentucky Lending Texas Community Bank 88

Abrigo

FEBRUARY 23, 2023

Relationship focus helps CFIs Small banks can leapfrog competitors and better serve their communities by combining their unique advantages with smart management and partnerships. Takeaway 3 With effective technology, the bank can continue to grow its portfolio without necessarily adding staff.

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Community Bank Kansas City Community Lending 195

Independent Banker

JANUARY 31, 2022

With the record growth of San Antonio, Houston and Austin, southern Texas is becoming a hub for business. Here’s how four community banks are thriving in this environment. There’s a lot of energy in the southern half of Texas, and it’s not just the resources that power our homes and cars. Photo by Dennis Burnett.

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Texas San Antonio Community Bank Community 182

Independent Banker

DECEMBER 31, 2022

Here’s how community banks can enhance their payments offerings. of banks’ revenues come from payments. Payments account for up to 30% of bank revenue, and that income stream is under attack. As 2023 kicks off, community banks can respond to today’s payments landscape by addressing five key trends.

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Trends Payments Community Bank Texas 140

Independent Banker

MARCH 31, 2022

Executive committee members tell us what advocacy issues they’ll be focused on during their terms, while board members share their words of wisdom for up-and-coming community bankers: themselves. To sum it up, these leaders are all in and all heart for community banking. We are not Wall Street banks—we are community banks.

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Community Bank Community Industry Texas 239

American Banker

MAY 1, 2024

Texas Dow Employees Credit Union has agreed to acquire Sabine State Bank and Trust in Louisiana to raise its profile in the oil-and-gas industry. The deal coincides with record levels of U.S. drilling this year.

Houston 83

Houston Louisiana Texas Lending 83

American Banker

SEPTEMBER 11, 2020

At a time when many lenders are shying away from an industry hit hard by the pandemic, State Bank of Texas is going all in.

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Texas Lending Industry Community Bank 83

American Banker

FEBRUARY 5, 2021

First Foundation is relocating its corporate headquarters to Dallas, where the tax burden is lighter and it sees more opportunity to beef up lending, add wealth management clients and pursue acquisitions of community banks.

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Taxes Texas Dallas California 65

Independent Banker

AUGUST 31, 2022

Daniel Galindo, pictured, and Doug Schaeffer of Woodforest National Bank helped involve the community bank in providing funding for and access to affordable housing. Location: The Woodlands, Texas. Doug Schaeffer, Woodforest National Bank. Assets: $9 billion. It supports many life endeavors.”.

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Austin Texas Community National 91

Independent Banker

JULY 30, 2015

Capital market access and employee ownership help fuel Veritex Community Bank’s rapid growth. After a career of nearly three decades as a banker serving various community and regional institutions in the Dallas-Fort Worth area, C. Veritex is a combination of the words “veritas,” which means truth in Latin, and “Texas.”

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Texas Fort Worth Dallas Community Bank 70

American Banker

JULY 13, 2022

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Community Bank Texas Community Lending 74

Abrigo

JULY 13, 2017

In September 2016, more than 240 bankers and industry experts from both community banks and credit unions attended the Risk Management Summit in Austin, Texas. The agenda fully embraced the “Year of CECL” and covered the accounting change in detail. Here are the 2016 Summit Takeaways.

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Risk Management Management Denver Conference 170

Independent Banker

JUNE 30, 2022

Effects of the pandemic and other factors creating unpredictability have changed how community banks approach their credit and lending operations. Bankers and industry observers have several recommendations for how community banks can come up with risk ratings and rankings that foster safe growth in a volatile economic climate.

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Management Community Bank Community Regulation 103

American Banker

JUNE 14, 2021

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Community Bank Texas Community Lending 44

Independent Banker

OCTOBER 1, 2022

An event at EMS in June brought together (L–R) Clear Mountain Bank president/CEO Dave Thomas, ICBA president Rebeca Romero Rainey, FHLBank Pittsburgh president/CEO Winthrop Watson, and Tim Critchfield, EMS owner/president. Name: Clear Mountain Bank. Consider, for example, its commercial lending approach. By Mindy Charski.

West Virginia 91

West Virginia Virginia Community Bank Community 91

Independent Banker

APRIL 30, 2022

Independent Banker’s annual listing top-performing community banks of 2021 alongside interviews with some of the winners. In true community bank fashion, each has its own story to tell and its own path to success. In true community bank fashion, each has its own story to tell and its own path to success.

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Community Bank Community Montana Taxes 172

Abrigo

MARCH 22, 2017

In September 2016, more than 240 bankers and industry experts from both community banks and credit unions attended the Risk Management Summit in Austin, Texas. The agenda fully embraced the “Year of CECL” and covered the accounting change in detail.

Risk Management 186

Risk Management Management Denver Conference 186

Abrigo

JANUARY 15, 2015

With mortgage rates down in the US , many homebuyers are looking locally to their community banks to finance their new, potentially life-changing purchase. In the spirit of the go local movement, new data from Sageworks Bank Information peeked in on 10 cities to see which community banks were making an impact on local mortgage lending.

Cleveland 150

Cleveland Detroit Michigan Community Bank 150

Abrigo

DECEMBER 2, 2021

Indeed, deposit levels to transaction accounts among community banks exploded 74% to $896.5 31, 2019, and June 3, 2021, according to the Community Banking in the 21st Century report. In a competitive lending environment, many banks and credit unions are concerned about losing good-quality loans if they over-price them.

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Conference San Antonio Lending Fraud 195

Independent Banker

NOVEMBER 30, 2021

Premium benefits packages, professional development and TLC during the pandemic—this year’s winners do everything in their power to keep their community bankers happy and fulfilled. We asked both leaders and staffers to tell us what makes their community banks stand out as employers. Key Community Bank: Leading by example.

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Community Bank Community Texas Leadership 164

Abrigo

JUNE 25, 2015

During leaner years is often when the demand for ag loans increases , as it’s common for those full-time farmers to tap into their community bank to cover operating costs or invest is other lines of the agricultural business. The biggest name in ag lending is unlikely to be a surprise – John Deere Financial FSB.

Community Bank 150

Community Bank Sacramento Lending Wisconsin 150

PYMNTS

SEPTEMBER 26, 2019

With financial institutions continuing to explore how to service small businesses operating in this industry without running afoul of federal law, credit unions, along with community banks, have worked to fill in the finserv gap as larger financial institutions back away, according to Politico.

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Lending Community Bank Community Fintech 108

American Banker

DECEMBER 29, 2016

Green Bancorp's aggressive plan to attack its credit quality troubles and do what few Texas banks once would have dreamed of – quit energy lending – make it a subject of debate and a community bank to watch closely in 2017.

Texas 34

Texas Community Bank Community Lending 34

American Banker

JULY 30, 2020

Now that its deal with Texas Capital has been called off, Independent Bank in McKinney plans to scale back or exit some commercial lines and will seek to duplicate its retail banking successes in Colorado.

Texas 45

Texas Course Colorado Capital 45

American Banker

DECEMBER 26, 2019

Spirit of Texas Bancshares is acquiring four branches and a loan production office from Simmons First National Corp. as part of an aggressive expansion in its home state.

San Antonio 53

San Antonio Texas Austin National 53

Abrigo

MARCH 20, 2015

Based on an analysis of data from more than 6,500 banks across the country, Sageworks recently identified America’s healthiest banks by their Texas Ratios. The list highlights the top 20 banks within each region of the U.S. with the lowest Texas Ratios. banks and credit unions. Blog Bank'

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Texas Regional California Community Bank 150

Independent Banker

FEBRUARY 25, 2015

Coping just fine, community banks in energy-producing regions manage the oil-price plunge. Yet community bankers serving the oil industry say they’ve been expecting a drop in the notoriously cyclical price of crude. Pat Hickman, chairman and CEO of Happy State Bank, a $2.6 It’s nothing that banks here can’t handle.”.

North Dakota 70

North Dakota Texas Louisiana Community Bank 70

American Banker

MAY 19, 2020

The Texas bank is leaning on solutions from Lightico and MANTL to quickly set up accounts and handle loans when customers can’t sign documents in person because of the coronavirus emergency.

Texas 90

Texas Tools Lending Online 90

Independent Banker

JANUARY 31, 2019

It never ceases to amaze me how powerful we are when we work together, community bankers. First and foremost, we have a new farm bill—something that is good for American agriculture and for community bankers’ ability to provide credit to support their local economies. As a community banker in Taos, N.M., And while S.2155

Community Bank 70

Community Bank Wisconsin Community Texas 70

Independent Banker

APRIL 28, 2016

President and CEO for the $543 Million-Asset HomeTown Bank, N.A., in Galveston, Texas. IB: You were recently reelected to serve a second term on the Federal Reserve Bank of Dallas board of directors. Group 3 includes the smallest banks in the state with the majority in rural areas. Photo by Robert Seale.

Dallas 131

Dallas Texas Houston Community 131

Independent Banker

JULY 29, 2016

The demand for professional development opportunities for community bankers has never been greater. Last year Community Banker University’s eight certification programs provided more than 4,000 community bankers with highly tailored training.

Minneapolis 70

Minneapolis Community Bank Community San Antonio 70

South State Correspondent

SEPTEMBER 20, 2022

Most banks will target around 6% of revenues next year for their marketing budget, and banks with strong brands and marketing programs target above 7%. Both speakers presented the bulk of the opportunity to start around custody of these digital assets and then crypto rewards products and lending against such assets.

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Conference Marketing social media Data 195

Independent Banker

JULY 30, 2015

In Texas, data security, debit card surcharges and compensation for records searches become legislative issues. When meeting with our member community banks, the top concern is always the continuing crush of regulatory burden emanating from Washington, D.C. By Steve Scurlock. Data security breaches.

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Data Texas Community Bank Taxes 70

American Banker

OCTOBER 21, 2016

WestStar Bank in El Paso, Texas, said it has acquired assets from Cimarron Mortgage Capital that are to Cimarron's construction lending and residential mortgage divisions.

El Paso 28

El Paso Texas Lending Capital 28

Independent Banker

FEBRUARY 24, 2016

Mikella Newsom (middle) successfully manages a $325 million institutional investment portfolio for City Bank in Lubbock, Texas. Jeremy Smail (right) successfully manages a $150 million institutional investment portfolio for First Option Bank in Osawatomie, Kan. Investment principles of top bank portfolio managers.

Community Bank 70

Community Bank Community Texas Management 70

Independent Banker

JULY 1, 2015

Jamey Smith Citizens Bank in Kilgore, Texas. Jamey Smith forges complete partnerships for successful commercial lending. Jamey works hard to be a true partner to his customers, becoming an integral part of their team of professionals,” says Sammy York, Citizens Bank’s president and CEO. “He By Judith Sears.

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Analytics Houston Texas Training 70