pinkham is executive vice president/cfo/coo, bullard is ... · bullard was originally hired by...

Investar Bank, Baton Rouge, LA, has hired Melissa “Missy” Pace as senior

vice president of commercial lend-ing for the Baton Rouge area, in-cluding Denham Springs. A thirty-year banker, Pace joins Investar from Whitney Bank, where she served

as vice president and commercial banker. She attended LSU, is a gradu-ate of the Baton Rouge Area Chamber Leadership Program, and has been involved with several civic and com-munity organizations Q

Valley National Bank, Tulsa, OK, has an-nounced two executive appointments.

Stan Pinkham has joined the bank as executive vice president, CFO, and COO. He has over 35 years of banking experience, most recently as found-ing president/CEO of Texas Lead-ership Bank in

Royse City, TX. Prior to that position, he served as EVP/COO at Western Na-tional Bank in Odessa, TX, and earlier with community banks in Dallas, TX. Pinkham is a graduate of Dal-las Baptist University, the Advanced School of Banking at Texas Tech Uni-versity, the School for Bank Adminis-

Volume 144, No. 24June 23, 2014

In This Issue...Safe Deposit Boxes: Profit Center or Loss LeaderFeature............................................3

M&A Activity Update..............7,8

Charter Activity............................9

Classified.....................................10

Please route this issue:

www.bankersdigest.com

Pinkham Is Executive Vice President/CFO/COO, Charles Vice President, Valley National, Tulsa

Published weekly on Mondays except fifth Mondays

Pinkham

Bullard Is CEO, First Financial, El Dorado, AR

Investar, Baton Rouge, Names Pace Senior VP

Pace

Jerry D. Bullard, previously EVP/COO of First Financial Bank of El Dorado,

has succeeded J. Steve Cam-eron as CEO of the Union County community bank, according to ar-kansasbusiness.com. Cameron, who has retired after more than 30 years of bank service,

will remain on the bank’s board of di-rectors and executive committee. Hired in 1984, he led the bank’s growth from $122 million in assets to $870 million in assets, expanded retail operations into MS, and made the bank one of the nation’s largest agricultural lenders. Bullard was originally hired by First Financial Bank in 1983 as an assistant vice president. He rose through the ranks to become COO in 2000. He is a member of the bank’s board of directors. First Financial has 270 employees in seven retail branches in South AR and two in Carthage and Senatobia, MS; and four mortgage offices in AR Q

tration at the University of Wiscon-sin, and the Southwestern Graduate School of Banking at SMU in Dallas, Class XXX. Mark Charles has been named vice president of information technology. He joined the management team with 25 years in the IT field. During that time, he held various positions rang-ing from data center operations to systems and development, and since 2001 has served in an IT management capacity. Charles holds a bachelor’s degree with honors in management informa-tion systems from Langston Univer-sity and a foundation certification in the Control Objectives for Information Technology framework, COBIT5. He is a member of the Information Sys-tems Audit and Control Association (ISACA) Q

Bullard

Premier Bank Texas has announced the addition of Scott T. Smith as senior

vice president, commercial bank-ing officer, and equipment lender. Smith will of-fice at the Grape-vine Banking Cen-ter. He has over 22 years lending experience in the t r a n s p o r t a t i o n

equipment market. He graduated with a BBA degree in accounting from UT at Austin and an MS degree in interna-tional management studies from UT in Dallas. He is a member of Commer-cial Finance Association – SW Chapter Q

Smith

Smith Joins Premier as SVP Equipment Lender

BANKERS DIGEST June 23, 2014

Frisco-based Texas Republic Bank, N. A., celebrated its 123rd anniver-sary by opening a new branch in May at 690 West Campbell Rd. in Richardson, east of The University of Texas at Dallas campus. The bank was acquired in 2011 by an inves-tor group formed by Dallas businessman Tim Cantrell and long-time Richardson community banker David Baty, the bank’s CEO. Baty says the bank anticipates sig-nificant additional growth out of the new Richardson branch since many existing staff and members of the board of directors have banking roots in Richardson. Board Chairman C.O. “Buz” Rolfe was CEO of the former Canyon Creek National Bank in Rich-ardson. In addition to working with

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Periodical postage paid at Dallas, TexasPOSTMASTER: Send address changes to Bankers Digest®, P.O. Box 743006, Dallas,

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Texas Republic Bank, Frisco, Enters Richardson, Taps Wallace VP

Baty

Rolfe at that Richardson bank, Baty served as executive vice president at First Bank of Canyon Creek, also in Richardson. Baty also announced the addition of Stephanie Wallace as vice presi-dent of commercial lending. Her re-sponsibilities include managing a variety of relationships as well as de-veloping new commercial business in the D/FW market. She has 23 years of banking experience that includes commercial/residential real estate, commercial/industrial, and SBA lend-ing. She has completed a formal credit training program and served in branch management. Most recently, she served as a business banking lender for F&M Bank in Dallas and earlier with Prosperity Bank for five years. Wallace earned a BA degree in business and an MBA degree with a business management concentration, both from American Intercontinental University.

With $125 million in assets, Texas Republic Bank has more than qua-drupled in size since the new owner-ship and current management took over. The bank currently has three locations: the headquarters in Frisco and branch locations in Richardson and Quanah. The bank was chartered in 1891 as The Security National Bank of Quanah. Texas Republic Bank was one of only three banks in Dallas and Collin counties to be recognized in April by SNL Financial as a 2013 Best Perform-ing Bank. In the under $500 million category it was the only bank in either county to receive that honor. Baty re-ports that the honor was earned with a combination of dedication to supe-rior customer service and conserva-tive operation. It puts Texas Republic Bank in an exclusive group of only one hundred banks in the entire country with that recognition Q

Wanted:Rising Star or New Hire

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June 23, 2014 BANKERS DIGEST

by making safe deposit box rental rel-evant to their particular needs. Offer rates and fees that appeal to a lower income clientele. Train your staff to recognize this group and offer box ser-vices that are realistic and affordable, but not given away.

Train Staff: A well-versed, well-trained depart-ment staff must be very sensitive to the special type of traffic that flows through their department, those who match the typical box renter profile,

ByDavid P. McGuinn, President

Safe Deposit Specialists, Houston, Texas

S A F E D E P O S I T

Safe Deposit Boxes:Profit Center or

Loss Leader

(continued on Page 8)

For many profit-conscious financial in-stitutions, the safe deposit box opera-

tion is perceived as a millstone or a low-yield “nec-essary evil” that must be tolerated to remain com-petitive and serve consumers. How-ever, with careful analysis, plan-

ning, and the revamping of some pric-ing and procedures, these same boxes can become a thriving profit center within 24 to 36 months. As a nationally recognized safe de-posit box specialist, I am often asked what techniques could be put in place to transform this “loss leader” into a lucrative endeavor. My answer is al-ways simple and concise: know your market, evaluate and train your de-partment staff, and review your box rental rates, fees, programs, and poli-cies.

Analyze Market: Identify the consumers who will most likely rent boxes and appeal to them. Surveys reveal these facts:• Most box renters are 50 years old or older. (age = wealth)• The income level among box renters is 14% greater than the national aver-age, and 42% are college-degreed pro-fessionals.• This market group is 16% more likely to avail itself of additional financial services offered by an institution.• Nonusers are typically younger blue-collar workers with less education and lower income than their affluent coun-terparts. The challenge, to draw this non-user market group into the safe de-posit fold, can be met in several ways. Educate these potential box renters

your affluent patrons. Within this market group there are rich opportu-nities to cross-sell additional finan-cial services. These consumers will most likely express interest in invest-ments, CD’s, annuities, and mutual funds, and are excellent candidates for a VIP relationship for which they will be willing to pay by maintaining high account balances. Sophisticated box renters expect to interact with a well-trained staff capable of answer-ing their questions and discussing

F e A T U R e

McGuinn


Commerce Street Capital, LLC , Dallas, recently hired Bobby Boyce as chief

compliance offi-cer for Commerce Street Holdings, LLC (the holding company of CSC) and Don Kuyken-dall as managing director for the business devel-opment group at CSC, reported

Dory Wiley, CSC president/CEO. Boyce joins with 12 years of experi-ence in financial services. He will focus on compliance matters for the holding company’s FINRA-registered broker/dealer and SEC-registered investment advisor. He recently was chief compli-ance officer for McGowan Group Asset Management Inc. in Dallas. Kuykendall will focus on expanding CSC’s corporate investment banking

opportunities and strategic business development in the Central TX and Houston corridor. He recently was the chairman of the board and presi-dent of Stratfor, a global intelligence company in Austin.

He began his banking career in 1972 in Chicago, IL. After five years, he returned to TX to join First Na-tional Bank in Dallas, where he led the Southwest lending division. In 1983 he, along with a group of Austin inves-tors, chartered Alliance Bank (de novo) in Austin, where he served as CEO and later as chairman of the board Q

p e o p l e TeXAS

Boyce Is Compliance Chief, Kuykendall Managing Director

Boyce

Daniel King, a 12-year banker, has been promoted to banking officer by First National Bank of Burleson, where he began his career in data op-erations. King continued in this position while attending college at Tarrant County College, where he earned an associate’s degree, and while he

Bank Chairman Kim D. Wheless re-ported Michael M. Moody has been elected to the board of directors. Moody, president/CEO of home-builder Newmark Homes Houston LLC, has served his entire professional career with Newmark after earning a BA degree in economics from UT at Austin Q

Moody Elected Director, Central Bank in Houston

King Promoted to Banking Officer by First National Burlesonearned a bachelor’s degree from Tar-leton State University. He was pro-moted to credit analyst in 2012 and then to banking officer in April 2014. As banking officer, he continues to support other lenders with financial analysis and loan preparation. In addition, King is an active mem-ber of the Burleson community Q

Kuykendall

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DK 2014 Ad Quality - PMB.pdf 1 5/5/2014 10:13:05 PM


ployee relations. She holds a BA degree in organi-zational manage-ment from East-ern University and serves on the board of trustees for The Melon-head Foundation in Tempe Q

p e o p l e TeXAS

Garcia Promoted, Scott Appointed at Dallas FedThe Federal Reserve Bank of Dal-las has announced recent executive changes. Mario Garcia has been promoted to assistant vice president with continu-ing responsibility for the Dallas cash department. He previously served as operations officer. He joined the Dal-las Fed in 1975 in the checks depart-ment of the San Antonio Branch after working at the New Orleans Branch of the Atlanta Fed. He later managed the accounting and cash departments at the San Antonio Branch. Garcia holds a BBA degree from The University of Texas at San Antonio and attended the Graduate School of Banking at the University of Colorado. Gary A. Scott has been appointed assistant vice president in the bank-ing supervision department. He previ-ously served as senior advisor to the Southern District Office of the Comp-troller of the Currency. Among other responsibilities, he assisted with the integration of Office of Thrift Super-vision (OTS) policy and processes as well as examiner training that con-cerned federal thrift regulations. Scott worked for the OTS and its predecessor agencies for 26 years, overseeing thrift supervision posi-tions. His regulatory experience dates back to 1983 as a bank examiner at the Dallas Fed. Scott holds a BS degree in finance from Kansas State University Q

ARIZoNA

National Bank of Arizona, Tucson, has promoted Joy Antolini to executive vice president and director of human resources in Phoenix. She joined the bank in January as senior vice presi-dent and director of human resources. She previously served 26 years in the entertainment industry. She held various management and leadership positions with Caesar’s Entertain-ment, most recently as director of em-

National Bank of Arizona Ups Antolini HR Director to EVP

Bank SNB, Stillwater, OK, has reported Brett Stewart has joined the bank as assistant vice president, credit ana-lyst, for the special assets department in Frisco. Prior to joining Bank SNB, he served with Frost Capital Group and JPMor-gan Chase Bank in the Dallas area. He holds a BBA degree in accounting from Concordia University Q

Stewart Joins Bank SNB as Assistant Vice President

Subscribe to Bankers Digest Print or Online/Digitalwww.bankersdigest.com

Antolini


Andy Levinson has been named IBC Oklahoma Tulsa region president,

according to IBC Bank Chairman/CEO Dennis Nixon. Third-genera-tion Tulsan Andy Levinson replaces Bill Schonacher as Tulsa region president. Previ-ously a senior vice president of com-

mercial lending in Tulsa, Levinson has served in the banking industry for 12 years, the last nine with IBC Bank. “Andy’s promotion is well-deserved,” said Schonacher. “His heart is clearly in Tulsa and it’s great to have some-one with his leadership qualifications and deep ties to the community ready to step in.” He has a bachelor’s degree in ac-counting from the University of Tulsa. He is a past board member for the Tul-sa Mental Health Association and vice chairman of the Tulsa Boys Home. Levinson also joins the IBC Okla-homa advisory board, which includes Schonacher, Nixon, Andy Coats, Dr. Gilbert “Gib” Gibson, and former Okla-homa Governor George Nigh Q

p e o p l e

BOK Financial in Oklahoma City has named Paula Barrington manager of treasury management. She will man-age the bank’s treasury management products and lead the treasury sales and operations team. Dan Ellinor, COO for BOK Financial, reported the promotion. Barrington has 29 years of treasury management experience with BOK Fi-nancial and most recently served as manager of product management and development, implementations, and branch cash management sales. She joined Bank of Oklahoma in Oklahoma City in 1985 as a sales of-ficer in treasury services. She served in a variety of treasury services and sales management roles over the years. During her career at BOK Finan-cial, her exclusive focus has been in treasury management with increasing leadership roles. She is a graduate of the South-western Graduate School of Banking at SMU in Dallas. She currently serves on the board of directors for Electron-ic Payments Core of Knowledge (EP-COR) regional payments association. She’s a past board member for the Oklahoma Bankers Association and a graduate of Leadership OKC Q

IBC Names Levinson Tulsa Region President

Levinson

Barrington Named Treasury Manager, BOK

oKlAHoMA

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Robbie Jones has been promoted to senior vice president of operations at F&M Bank in Guthrie. She has served 35 years in banking. She joined the Edmond-based bank in 2013 as vice president of product devel-opment/electronic banking in Guthrie. Prior to joining F&M Bank, she served as director of operations with Hamilton State Bank in Atlanta, GA. Jones attended Oklahoma State University and the Graduate School of Banking at the University of Wisconsin at Madison Q

JPMorgan Chase Bank has named Zack Zuhdi head of its private bank-ing business in OK. He will have of-fices in Tulsa and Oklahoma City, with management responsibilities across the state. Zuhdi began his financial career as a financial advisor in 2002. He has served with Chase since 2008, most re-cently as vice president. He earned a BA degree from the University of Miami and holds an MBA degree from Okla-homa City University Q

ICBA Promotes Seven at Washington, DC, Headquarters

Jones Promoted to SVP, F&M Bank in Guthrie

Zuhdi Named Head of Private Banking, Chase

TRADe ASSoCIATIoN

The Independent Community Bankers of America® (ICBA) has announced seven staff promotions. In communi-cations and marketing: Ann Chento to director, social media engagement. In government relations: Chris Cole to executive vice president, senior regulatory counsel, and Carla Taylor to executive administrator, govern-ment relations operations. In opera-tions: Kianga Lee to vice president, administrative operations. In ICBA Bancard®: Sara Busch to data man-agement analyst and Julie Hanson to senior vice president, card and pay-ment products. In preferred services: Ben Buehler to vice president Q


N e W S W A T C H loUISIANA

Guaranty Bank of New Roads, Bank of Maringouin to MergeGreat Guaranty Bancshares Inc., the holding company of Guaranty Bank and Trust Company, New Roads, and Banque of Maringouin Holding Com-pany Inc., the holding company of Bank of Maringouin, have reached a definitive agreement for Great Guar-anty Bancshares to acquire Banque of Maringouin Holding Company in an all cash deal. The news was reported in an article by Landon Johnson on zacharypost.com. The merger is expected to be com-pleted in the fourth quarter of 2014, subject to regulatory approvals. Guaranty Bank and Trust Co., es-tablished in 1956, has $141 million in assets, four banking locations (New Roads, Livonia, Port Allen, and Zach-ary) and 45 employees. Bank of Mar-ingouin, established in 1903, has $55 million in assets, operates two bank-ing locations (Maringouin and Grosse Tete) and has 14 employees. “This is an exciting day for Bank of Maringouin as we partner with a strong community bank like Guaranty Bank,” said Bank of Maringouin President/CEO Mel Chustz. “By combining our two teams and resources, we will be able to offer more financial options for our customers. We look forward to a strong future as a result of this partnership.” Guaranty Bank and Trust Co. Presi-dent/CEO Wade O’Neal said, “Guar-anty Bank & Trust Co. and Bank of Maringouin have proud histories of serving the needs of locally owned businesses, professionals and indi-viduals who are looking for a better banking experience. We look forward to continuing this legacy.” Bank of Maringouin is headquar-tered in Iberville Parish, which is di-rectly south of Pointe Coupee Parish, where Guaranty Bank is headquar-tered in New Roads. There appears to be no overlap in the banks’ branch footprint. O’Neal said, “This partner-ship will not only expand the branch network for both banks’ customers, but will combine our financial re-sources, knowledge and expertise to help our customers.” Q

Regulators Gilbert Barker Comptroller of the Currency

Charles Cooper Texas Department of Banking

Kristie Elmquist FDIC Ann Worthy Federal Reserve Bank of Dallas Bankers Kevin Monk Alliance Bank

Robert Hulsey American National Bank of Texas Patrick Gray TIB-The Independent BankersBank Lyle Walden TIB-The Independent BankersBank Louis Ehlinger Texas Heritage Bank

Advisors Randall James Randall S. James & Associates, Inc. Dennis Simmons SWACHA

S. Scott MacDonald Director – SMU Brad Olson Olson Research Associates, Inc. Keith Seibold FDIC - Retired BOI Management Jay Phillips Cerfis Group, Inc. Julie Courtney, CAE, CMP IBAT Education Foundation Mary E. Lange, CAE IBAT Education Foundation

BOI ADVISORY BOARD

EXPLORE THE REAL WORLD OF BANK OPERATIONS TAKE YOUR CAREER TO THE NEXT LEVEL

October 12—17, 2014

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N e W S W A T C H TeXAS

and meeting their financial needs and aspirations. The typical temporary worker or a part-time staff lacks the motivation or knowledge to tap into this cross-selling opportunity.

Profit or Loss: Box rental rates, fees, and policies must be carefully reviewed annually. After surveying the local competi-tion, your current rental rates and fees should be compared and adjust-ed periodically, the same way other products and pricing are handled. Box rental rates should be calculated using a “vault area occupied” pricing method which can be easily calcu-lated and explained to box renters. Complete a profit and loss analysis of the entire safe deposit box opera-tion, develop additional ways to in-crease box rentals, and implement at least 15 additional fees that could be charged. Formulate an acceptable method of announcing future rate and fee increases and, if available, revisit successful box rental programs and employee incentives that proved ben-eficial in the past. Finally, examine all “free box” rental agreements and justify the reasons why rental charges were waived. Other Resources:Safe Deposit Specialists offers bro-chures such as “Safe Deposit – The Ultimate Protection” and “Question and Answer Brochure” which answers consumers’ “Most Frequently Asked Questions.” These printed publica-tions can be used as marketing and educational tools Q

About the Author: David P. McGuinn, president of Safe Deposit Specialists, is a former banker and is often referred to nationwide as the safe deposit GURU. He has created numerous safe deposit compliance manuals, training videos, and marketing and profitabili-ty resources. During the past 45 years, his safe deposit products and services have been recognized as the national standard for the financial industry. Visit www.sdspec.com for information or call 713/937-9929.

F e A T U R e SAFE DEPOSIT (continued from Page 3)

Independent Bank McKinney, Houston Community to MergeIndependent Bank Group Inc. (IBG), the publicly-traded holding company for Independent Bank, McKinney, an-nounced on June 2 it has entered into a definitive agreement to acquire Houston City Bancshares Inc., and its subsidiary, Houston Community Bank, N.A., Houston. The deal at the time of the announcement was valued at $48 million, with 65% of the consid-eration payable in shares of IBG. The deal comes on the heels of IBG’s recent closing of the Bank of Houston acquisition. As of March 31, 2014, Houston Community Bank reported total as-sets of $323 million, total deposits of $296 million, and total equity capital of $26.6 million. The bank, established in 1981, has six full-service locations in the greater Houston metro area. The merger has been approved by the boards for both companies. The transaction is subject to necessary approvals and is expected to close in the fourth quarter of 2014, with opera-tional conversion in early 2015. IBG Chairman/CEO David Brooks said, “We are pleased that the Houston Community Bank senior management will join us...and become part of our Houston management team.” Q

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Survey Suggests Mortgage Rules Will Restrict Credit

MoRTGAGe leNDING

More than 80% of banks expect new mortgage regulations to reduce mort-gage credit availability, according to the American Bankers Association’s 21st annual Real Estate Lending Sur-vey. The survey results, released at ABA’s Real Estate Lending Conference in Charleston, SC, revealed that more than one-third of respondents will only make qualified mortgage loans, while another one-third will also make non-qualified mortgage loans but only to targeted markets or products. “The new mortgage rules are a seri-ous challenge, especially in the near term, for mortgage lending,” said Rob-ert Davis, executive vice president at the American Bankers Association. “The problem will last at least as long as bankers calibrate their compliance systems, and perhaps much longer.” Despite these setbacks, bankers can boast some positive results. The 208 respondents, 76% with assets less than $1 billion, reported the highest percentage of single family mortgage loans since the mortgage crisis began. According to the survey, bankers are most concerned about the increas-ing regulatory burden and compliance cost. Learn more at www.aba.com Q


R e G U l A T o R S

C h a r t e r

a c t i v i t yLouisianaMERGERS AND ACQUISITIONS The FEDERAL RESERVE BANK OF ATLANTA has received an appli-cation by Great Guaranty Bancshares Inc., New Roads, to acquire Banque of Maringouin Holding Company Inc., and its subsidiary, Bank of Maring-ouin, both of Maringouin.OklahomaBRANCHES The FEDERAL RESERVE BANK OF KANSAS CITY has received an ap-plication by American Heritage Bank, Sapulpa, for a branch at 40201 W. Hwy. 51, Mannford.TexasBRANCHES The TEXAS DEPARTMENT OF BANKING has approved an applica-tion by Veritex Community Bank, Dal-las, to relocate a branch from 300 E. John Carpenter Fwy., Ste. 100, Irving, to 2700 Oak Lawn Ave., Dallas. The TXDB has received an applica-tion by Lone Star State Bank of West Texas, Lubbock, for a branch at 1004 N. Big Spring St., Ste. 100, Midland. The TXDB has received applica-tions by PlainsCapital Bank, Dallas, for branches: 601 E. Main St., Alice; 500 N. Shoreline Blvd., Corpus Chris-ti; 2525 Richmond Ave., Houston; 1 O’Conner Plaza, Victoria; and mobile courier to serve Harris, Fort Bend, Bra-zoria, Galveston, Montgomery, Waller, Chambers, and Liberty counties. MERGERS AND ACQUISITIONS The FRB OF DALLAS has received a change-in-control notice by Robert F. Barnard, Celeste, individually, and Christopher G. Barnard and Robert F. Barnard, each of Celeste, and Bill N. Barnard, Forney, collectively, to control 25% or more of the shares of Metroplex North Bancshares Inc., Ce-leste, and indirectly, The First Bank of Celeste, Celeste. The FRB OF DALLAS has received an application by Strategic Growth Bank Incorporated and Strategic

Growth Bancorp Incorporated, both of El Paso, to acquire an additional 76.1% of the voting common stock of, for a 100% ownership interest in, Guardian Mortgage Company Inc., Richardson, and thereby extend credit and service loans and engage under contract with a third party in asset management, servicing, and collection of assets. The TXDB has received an appli-cation by Southside Bank, Tyler, for a merger with OmniAmerican Bank, Fort Worth. The FRB OF DALLAS has received an application by Southside Bancshares Inc., Tyler, to acquire 100% of the voting shares of OmniAmerican Bancorp Inc., Fort Worth, and thereby indirect control of OmniAmerican Bank, Fort Worth. The TXDB has received an applica-tion by First State Bank, Shallowater, for a merger with First National Bank of Amherst, Amherst.CRA PERFORMANCE The FEDERAL DEPOSIT INSUR-ANCE CORPORATION has an-nounced in its June 2014 list of banks examined that Pilgrim Bank, Pitts-burg, has received an outstanding CRA evaluation Q

Brainard Joins, Powell Gets Second Term, Fed Board

ReGUlAToRS

Lael Brainard took the oath of office as the newest member of the Board of Governors of the Federal Reserve System on June 16. Lawyer and former Wall Street investment banker Jerome H. Powell was also sworn in for a sec-ond term on the board. Economist and Fed Governor Stanley Fischer was sworn in as vice chairman of the board. The oaths were administered by Chair Janet L. Yellen in the board boom. President Obama nominated the three in January 2014. Brainard, a for-mer U.S. Treasury official, and Powell were confirmed as board members by the U.S. Senate on June 12, and their terms expire on January 31, 2026, and January 31, 2028, respectively. Brain-ard was appointed to an unexpired term, while Powell’s term is a full 14-year term. Fischer was confirmed by the U.S. Senate as a board mem-ber on May 21 and confirmed as vice chairman on June 12. His term as vice chairman is a four-year term, which expires June 12, 2018. The Fed board now has five of its seven seats filled. Besides Chair Yel-len, Daniel K. Tarullo serves on the board with a term to end on January 31, 2022 Q

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Strong, established $360MM Com-munity Bank in Central Texas seeks SENIOR VP LEVEL COMMERCIAL LENDER who can become part of its management team within a short timeframe. Looking for in-dividual with a desire to live in and be a part of a community of 20,000 people with an understanding of the demands of a true community banker. 5 to 10 years commercial experience and strong credit skills required. Formal credit training a plus. Please respond to to [email protected], subject line Box J-1.

BRANCH PRESIDENT: Tarrant County-based Worthington National Bank seeks a President for a new location in West Fort Worth. This position will be responsible for managing the location and staff in-cluding lending staff and will also be responsible for originating and

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COMMERCIAL LENDER, Austin Growing $1 billion plus bank is seeking a community-oriented Com-mercial Lender for the Austin area. This position is responsible for originating, servicing and collecting loans, and developing excel-lent customer relationships. Fantastic opportunity for an enthusiastic lender looking to expand a career with a growing community bank! Successful candidate will have previous bank experience in lending in the Austin area, and regulatory compliance.

BANK SECRECY ACT OFFICER In Denton. Requires college degree in business/finance or equivalent experience. Must be fully knowledgeable and skilled in all areas of BSA/AML Compliance and be able to independently recognize, devel-op, and implement cost effective compliance related solutions for the BSA/AML program. Requires 7+ years of BSA experience in banking.

Competitive salary and benefits. EOEFor more information about our bank go to www.nstarbank.com.

Send resume to [email protected].

American Banker’s “Best Banks to Work For”, 2013Texas Monthly Magazine, “Best Places to Work for in Texas”, 2014

in confidence to bankersdigest@ bankersdigest.com, subject line Box D-5.

The Commercial National Bank of Brady, a $136MM community bank located in Central Texas is seek-ing a COMMERCIAL/AGRICULTURE LENDER. Ideal candidate will need to have a college degree and a mini-mum of 3 to 5 years lending expe-rience. The successful candidate must be committed to the commu-nity and provide the highest qual-ity of personal banking services to our customers. Competitive salary, profit sharing plan, health insur-ance, and many other incentives will be provided. Please send your re-sume and cover letter to [email protected]

FIRST TEXAS BANK of Killeen seeks an experienced VICE PRESI-DENT/LENDING OFFICER with a minimum of five years experience. Applicant needs experience in con-sumer, commercial, real estate, and interim construction lending. Quali-fied candidate should email resume with salary requirements to Human Resources at [email protected] EOE/AAE.

South Texas Bank has positions available for LENDING & OPERA-TION OFFICERS. Send resume to [email protected]

servicing loans. Requirements in-clude 15 years of experience in commercial, commercial real es-tate, and consumer lending. Must also have experience in regulatory compliance in these areas. Prior credit analysis training is a must. Please submit resumes to [email protected]

COMMERCIAL LENDER needed for fast growing independent commu-nity bank in La Vernia, Texas. Ex-cellent opportunity for community minded lender who can be the face of the bank. Please send your re-sume and cover letter to [email protected], subject line Box J-2.

Sundown State Bank is seeking an experienced AGRIGULTURE/COM-MERCIAL LENDING OFFICER for our Denver City, TX, branch. The applicant must have seven years of

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