Investar Bank, Baton Rouge, LA, re-cently announced that Marcel Guidry

has been named infor-mation tech-nology direc-tor and senior vice president. He will be re-sponsible for leading the in format ion t e c h n o l o g y team in all av-enues.

“As a technology consultant, Guidry brings over 20 years of experience working around the world to the Bank,” said Investar Bank Executive Vice President and COO Dane Babin. Guidry, a resident of Baton Rouge, previously served as the senior tech-nology architect for an information technology consulting firm. He re-ceived a BA degree from LSU. Investar Holding Corporation, par-ent of wholly-owned subsidiary In-vestar Bank, had total assets of $938 million as of September 30, 2015. In-vestar Bank has 11 branches serving four markets in southeast LA: Baton Rouge area (three in Baton Rouge, one each in Port Allen and Prai-rieville), Livingston and Tangipahoa parishes (one each in Denham Springs and Hammond), New Orleans area (one in Metairie), Northshore (two in Mandeville), and one in Lafayette Q

Volume 148, No. 1January 4, 2016 www.bankersdigest.com

Sellars Follows Carpenter as CEO,FNBC Bank, Ash Flat, Arkansas

Guidry to Lead IT, Investar Bank in LA

Guidry

Sellars

COMMENTARY: Save the Community Bank by Chris Williston, IBAT President/CEOFeature..............................................3

In This Issue...

Published weekly on Mondays except fifth Mondays

O’Brien Named CFO at Texas First Bank

Marty L. Sellars was promoted to CEO of FNBC Bank, Ash Flat, AR, ef-fective January 1. CEO and Chairman of the Board Martin Carpen-ter stepped down as CEO at the end of 2015 after 30 years in the po-sition. Sellars has served as president and chief operations officer of FNBC Bank since 2003. Carpenter will con-tinue as chairman of the board. He is a third generation community banker at FNBC Bank, following in the footsteps of his great uncle and father. He became the bank’s ninth president in 1986 and chairman in 1988. He cel-ebrated 40 years with FNBC in 2013.

Sellars, a native of Izard County, AR, began his career in community

banking when he was 18 years old at a lo-cal bank in Horseshoe Bend. In 1983 he joined FNBC in the loan de-partment as a collec-tor, and advanced to VP loan officer and branch manager for the Hardy market, SVP and branch administrator of four bank offices prior to his promotion to presi-dent/COO in 2003. He is the 10th president of

the103-year-old bank. Sellars, a graduate of the SW Gradu-ate School of Banking at SMU, sits on the bank’s board of directors and has been active in local community affairs Q

O’Brien

Timothy R. “Tim” O’Brien has recent-ly joined Texas First Bank and Texas

Independent Bancshares, both of Texas City, as chief financial offi-cer (CFO) and advisory di-rector. O’Brien is a 40-year banker. He most recently served as ex-

ecutive vice president and CFO for the former Memorial City Bank, Houston, TX. His background includes posi-tions of commercial lender, auditor, regional retail manager, and CFO/op-

erations officer/cashier for commer-cial banks in the Houston market. He holds a BBA degree from Sam Houston State University and attended the in-termediate banking school at SMU. O’Brien has been and is still active in community organizations and ser-vice to the banking industry. He has served on the Fort Bend Economic Development Council, Harris Coun-ty Community College Department of Banking, Junior Achievement of Southeast Texas, and currently on the advisory board for the Sam Houston State University Smith-Hutson En-dowed Chair of Banking. Texas First Bank is a $945 million- asset bank with 24 locations in four counties in the Greater Houston/Galveston market in Southeast TX Q

Page 2 BANKERS DIGEST January 4, 2016

“Treat your customers and co-work-ers like lifetime partners.” Michael

“Mike” Cronin lived his life by this principle both in his professional and personal life. Customers and employees were friends to Croinin, and he worked hard to maintain their trust.

Cronin served as vice chairman of the board of directors for The Ame-rian National Bank of Texas, Terrell, at the time of his death. He was born November 7, 1939, in Terrell. It was there that he attended high school and formed many lifetime friendships. “Those of us who had the joy of work-ing with Mike understood his passion for people and saw him exemplify it every day. Mike’s passion for custom-

P E O P L E TEXAS

Michael “Mike” Cronin, Vice Chairman of The American National Bank of Texas, Terrell, Dies at Age 76

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Cronin

In This Issue...COMMENTARY: Save the Community Bank Feature..............................................3

Newswatch...................................7,8

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

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

ers was an example to all. He was a great friend and associate, and I will personally miss the support he pro-vided the bank and me over the last thirty-two years,” says ANBTX Presi-dent/CEO Robert Hulsey. Cronin graduated from North Texas State University in 1963. Upon gradu-ation he began his 19-year employ-ment with Employers Insurance of Texas. He joined ANBTX in 1983 as vice president of commercial lend-ing. He was appointed a director of the bank on March 17, 1987. Upon his retirement from the bank in 2006 as executive vice president, he remained an active board member and was ap-pointed vice chairman. Cronin understood that communi-ty growth was the foundation for long term success for Terrell. He served as chairman of the Terrell Chamber of Commerce, founding president of Ter-rell Economic Development Corpora-tion, board chairman for the Trinity River Authority, and most recently, a board member of the Terrell ISD Ex-cellence Foundation. In each of these positions he personally contributed to the vitality of the community. Cronin married Patricia “Tricia” Trollinger Cronin in January 1960. They were married for 49 years before her passing in January 2009. They raised their two children, Chris and Julie, in Terrell. Cron was very proud that his son Chris and daughter Julie both followed his lead in helping customers through

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their banking (Chris is EVP at ANBTX) and real estate careers, respectively. Cronin and his wife were avid golf-ers, and they always enjoyed playing together. He also loved playing a com-petitive round with friends and busi-ness associates Q

January 4, 2016 BANKERS DIGEST Page 3

F E A T U R E

ByChris WillistonPresident/CEO

Independent Bankers Association of Texas

www.ibat.org

C O M M E N T A R YSave the Community Bank

(continued on Page 9)

Williston

T h e N e w Year is quickly approaching. Being a p r e s i d e n t i a l e l e c t i o n y e a r, 2016 promises to bring much talk about political hot topics, but not nearly enough talk about one of the greatest threats to our economy--the endangerment of community banks.Community banks—meaning local banks that invest in local communities—are saddled with many new regulations as a result of the misdeeds of the too-big-to-fail banks.

While lawmakers in Washington, D.C. have proposed many regulatory relief initiatives in the 114th Congress, only a handful of minor measures have been enacted.

Since the advent of the financial crisis in 2008, a bright line of distinction has been created between community banks and too-big-to-fail banks. Community banks are saddled with many new regulations as a result of the misdeeds of the too-big-to-fail banks. While lawmakers in Washington, DC, have proposed many regulatory relief initiatives in the 114th Congress, only a handful of minor measures have been enacted. The need for community bank regulatory relief has garnered bipartisan support, but as is often the case in Washington, behind-the-scenes

politics have stymied constituent and industry efforts. It’s ironic that the continuous wave of onerous new banking regulations created to address Wall Street’s mis-deeds—better known as the Dodd-Frank Wall Street Reform Act—is actually helping the megabanks gain market share at the expense of the nation’s nearly 6,000 community banks. Com-munity banks are vanishing—which is exactly what the Institute for Local Self-Reliance found in a recent report. This group’s research shows that one in four community banks has disap-peared since 2008. The report noted that in 1995, megabanks with assets of $100 billion or more controlled 17 percent of all banking assets. By 2005, their market share reached 41 percent and today, it is an astonishing 59 per-cent. Despite this onslaught, community banks continue to provide critical lo-cal lending support that accounts for more than 60 percent of all small business loans under $1 million and more than 75 percent of all agricultur-al loans. Community banks strive to serve customers and do so responsi-

bly. Take mortgage loans for example. Between 2009 and 2012, the default rate on home loans across all banks was sixteen times higher than for resi-dential mortgages held by commu-nity banks. Why? Because community bankers know their customers. They specialize in “relationship banking” as opposed to “transactional banking,” which the large banks have mastered through economies of scale. Relation-ship banking allows bankers to make decisions based on customer needs. Here in Texas, we have been blessed with a strong community banking in-dustry that is the backbone of local economies. But we have not escaped bank consolidation. Almost 150 com-munity banks have disappeared from the Texas landscape in the past five years. That means many cities and towns are void of a hometown bank. So what’s the solution? Policymak-ers need to pass regulatory reform now and work long term to abandon the current one-size-fits-all approach to regulatory oversight. We need sensible regulation that protects the safety and soundness of bank deposi-

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Page 4 BANKERS DIGEST January 4, 2016

The Oklahoma Bankers Association recently announced the “Honors Graduates” and 61 members of the 2015 OBA Com-pliance School held at the Harris Event Center in Oklahoma City. The two “Hon-ors Graduates” were Paola Rob-erts, compliance analyst at Arvest Bank in Tulsa, and Kindra Shantz, central document processor at The Citizens Bank of Edmond. Roberts and Shantz were se-lected for the C o m p l i a n c e School honors based on their outstanding work on the school’s exam and their contributions and par-ticipation in class. The bankers were chosen by the school’s regents, staff, faculty, and students. A complete list of the 61 members of the 2015 OBA Compliance School

P E O P L E

Oklahoma Bankers Association Announces 2015 Compliance School Graduates; Roberts and Shantz Selected Honors Graduates

Roberts

follows:Jennifer Adsit, The First State Bank, Ryan; Amber Alexander, AllNations Bank, Shawnee; Rigo Aranda, Okla-homa State Bank, Buffalo; Janie Ball, The First National Bank, Marlow; Mar-cia Barry, Bank of Commerce, Adair; Sev Benedetti, Arvest Bank, Tulsa; Jon Bercher, Arvest Bank, Tulsa; Brenda Braden, American Heritage Bank, Sapulpa; Teresa Brown, Ameri-can Bank of Oklahoma, Collinsville; Steve Cole, American Bank of Oklaho-ma, Collinsville; Terri Creazzo, Arvest Bank, Tulsa; Tori Davis, AllNations Bank, Cal-umet; Tara Denney, Security State Bank, Cheyenne; Sadou Diallo, The City National Bank & Trust Co., Law-ton; Dax Dilbeck, BancFirst, Oklaho-ma City; Madilynn Dobson, The Citi-zens Bank of Edmond; Lisa Dowden, The Exchange Bank, Skiatook; Leslie Ewing, Stockmans Bank, Gould; Cin-dy Farris, BancFirst, Oklahoma City; Jenny Fellinger, Arvest Bank, Tulsa; Dana Forster, Landmark Bank, N. A., Tishomingo; Melody Foutty, Banc-First, El Reno; Leslie George, Com-munity Bank, Bristow; Erin Goodall, Valliance Bank, Oklahoma City; Hollie Hall, BancFirst, Chandler; Myra Har-

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vanek, FirstBank, Atoka; Darla Hig-ginbotham, American Bank of Okla-homa, Collinsville; Natalie Holmes, The Bank of Kremlin; Heather Hurst, The Community State Bank, Poteau; Patsy Judd, Farmers Exchange Bank, Helena; Christina Keller, RCB Bank, Claremore; Moe Kilmer, Quail Creek Bank, N. A., Oklahoma City; Audean Lan-dis, The Exchange Bank, Skiatook; Deborah Locke, BancFirst, Duncan; Margarite Marshall, Washita Val-ley Bank, Fort Cobb; Lindsay Mathis, Peoples Bank, Tulsa; Makalie McKin-ley, BancFirst, Tulsa; Marita Moore, The City National Bank & Trust Co., Lawton; Adam Osmus, Wilsey Meyer Eatmon Tate PLLC, Oklahoma City; Teresa Parker, The Stock Exchange Bank, Woodward; Karen Risley, Banc-First, Coweta; Paola Roberts, Arvest Bank, Tulsa; Ross Royal, Farmers and Merchants Bank, Arnett; Alex Schaf-fer, Oklahoma Heritage Bank, Ada; Elizabeth Scott, The Farmers Bank, Carnegie; Kindra Shantz, The Citizens Bank of Edmond; Jeanine Shaw, First National Bank & Trust Co., Shawnee; Macy Sliger, FirstBank, Atoka; Stephanie Smithart, FirstBank, Atoka; Spenser Stephens, Arvest Bank, Tulsa; Matt Thomas, The City National Bank & Trust Co., Lawton; Nathan Thompson, First State Bank, Commerce; Heather Vaughn, The City National Bank & Trust Co., Lawton; Megan Webb, Security State Bank, Cheyenne; Dawn Willcox, First Bank & Trust Company, Wagoner; Paula Wil-lett, Bank of Oklahoma, Tulsa; Tiffany Williams, Shamrock Bank, N. A., Altus; Ashley Woods, The City National Bank & Trust Co., Lawton; Crystal Wright, The City National Bank & Trust Co. Lawton; Karyssa Wurster, Valliance Bank, Oklahoma City; and Gigi Ze-nder, Oklahoma State Bank Buffalo Q

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Page 6 BANKERS DIGEST January 4, 2016

relationship manager at JPMorgan Chase Bank in Edmond. In 2013 he earned the National Achiever award

and was the recipi-ent of the Bank of Oklahoma Perfect Circle Award as a top Oklahoma City branch manager in 2008 and 2010. Nation holds an MBA degree in ac-counting and proj-ect management

from Keller Graduate School of Man-agement and a BA degree in political science and communications from the University of Washington. He is a graduate of Leadership Midwest City and previously served on the Chase Bank 2014 National Business Bank-ing Advisory Board as a representative from the South Region. Valliance Bank was established in Oklahoma City in 2004. Today, the bank has grown to include banking locations in Oklahoma City, Norman, and McKinney, TX. As of September 30, 2015, the bank reported total as-sets of $330 million Q

Valliance Bank, Oklahoma City, has hired Niki Knowles to serve in the

treasury services department as vice president of treasury manage-ment sales and Kyle Nation as a commercial lend-er. Brad Swickey, P r e s i d e n t / C E O made the an-nouncement. Knowles will

oversee all treasury services products, sales, and cash management strate-gies. She has over 13 years of experi-ence, most recently as treasury ana-lyst at Bank of Oklahoma. She holds a BA degree in communications from the University of Oklahoma. Knowles is a member of the Asso-ciation for Financial Professionals of Central Oklahoma and is active in the community volunteering for organiza-tions such as Junior Achievement and the March of Dimes. Nation joins with over 10 years of banking experience as well as a com-munity focused outlook. Prior to join-ing Valliance, he served as a business

Johnson Bank in Phoenix announced Alejandra Paredes has joined as vice

president and pri-vate banking rela-tionship manager. Paredes joins the bank with 17 years of experi-ence in the finan-cial industry with a background in relationship man-agement, personal

banking, branch management, and premier services banking. She holds a BS degree in finance. Paredes currently serves as a board member for the Childsplay theatre. She is also a candidate for her certi-fied financial planner certification Q

P E O P L E

Union Bank & Trust Company, Monti-cello, has announced the promotion of Davis “Dave” Dickson to CEO. He will continue to serve as president of Union Bank and president of the bank’s holding company, First Union Financial Corporation. He succeeds Chairman and CEO Zach McClendon Jr. as CEO. Dickson joined the the Drew Coun-ty bank in 2005. Previously, he served three years at BancorpSouth Bank. He is a graduate of the Graduate School of Banking at LSU and earned a bach-elor’s degree in finance from Missis-sippi State University. The employees, officers, and board of directors of Union Bank & Trust Co. wish to thank Chairman McClendon for 40 years of steadfast leadership. He served as president from Decem-ber 1975 until 1982, when he became chairman of the board of directors. McClendon will be retiring from daily duties at the bank in January 2016. John S. McClendon, board mem-ber since 1996, will advance to serve as chairman of the board. Union Bank & Trust reports total assets of $196 million as of September 30, 2015, and operates four offices Q

Knowles Nation

Paredes

ARKANSAS OKLAHOMA

ARIZONA

Dickson Named CEO, Union Bank & Trust

Paredes Is Vice President, Johnson Bank Private Bank

Valliance Bank, Oklahoma City, Hires Knowles to Lead Treasury Management Sales; Nation as Commercial Lender

January 4, 2016 BANKERS DIGEST Page 7

franchise in Arkansas. Customers will not experience any changes in service or in Parkway staff and man-agement at this time,” he added. In a previous release it was an-nounced that Bob Taylor, former president/CEO of Parkway Bank, will remain with Citizens as NW re-gional CEO to assist with integration activities and customer relations in NW AR. After integration is complete, he will become executive credit officer with bank-wide responsibility for lend-ing activities and credit decisions. He also serves as the 2015-16 Chairman of the Arkansas Bankers Association. With this transaction, the Citizens organization will have total assets of over $750 million and 16 branch loca-tions, all in AR Q

Phil Baldwin, president/CEO of The Citizens Bank, Batesville, announced on December 21, 2015, that regula-tory approval has been granted for Citizens Banc-shares of Bates-ville Inc., parent of The Citizens Bank, to acquire Parkway Bank of Rogers. The trans-action closing was effective immediately. Citizens Bank and Parkway Bank will continue to operate separately under their current names until their bank-ing systems consolidation, planned for mid-summer of 2016. “We are pleased to have regula-tory approval to move forward with our merger of these two community banks,” said Baldwin. “This is an ex-cellent opportunity for Citizens to ex-pand and enhance its existing bank

N E W S W A T C H

Baldwin Taylor

ARKANSAS ARIZONAEnterprise Bank & Trust to Terminate FDIC Agreement

Citizens Bancshares of Batesville Closes Acquisition of Parkway Bank of Rogers; Taylor Is NW Regional CEO

Enterprise Financial Services Corp., St. Louis, MO, announced in Decem-ber 2015 that its wholly-owned sub-sidiary, Enterprise Bank & Trust, Clay-ton, has entered into an agreement with the FDIC to terminate all existing loss share agreements. The agree-ments were associated with the bank’s assumption of liabilities in four FDIC-assisted transactions from 2009-2011. Under the terms of the agreement, the FDIC made a net payment to the bank of $1.3 million. The agreement will eliminate the bank’s FDIC claw-back liability of $3.5 million and its FDIC loss share receivable of $7.2 mil-lion. Accordingly, the bank will record a corresponding one-time pre-tax charge of $2.4 million. Enterprise Bank operates commer-cial lending and wealth management offices in St. Louis and Kansas City, MO, and Phoenix markets. The bank is ranked number 35 in local Phoenix deposits with $87 million as of June 30, 2015 Q

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Page 8 BANKERS DIGEST January 4, 2016

N E W S W A T C H

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Gulf Coast Bank, New Orleans, Acquires FL’s AmeriFactors The First National Bank in Altus is Now Frazer Bank

OKLAHOMALOUISIANA

BOK Financial to Purchase Mobank in Kansas City, MO

Global investment bank Houlihan Lokey announced on December 17, 2015, that AmeriFactors Financial Group has been acquired by Gulf Coast Bank and Trust Company, New Orleans. Houlihan Lokey served as the exclusive financial advisor and assisted in the transaction on behalf of AmeriFactors. AmeriFactors provides accounts receivable financing primarily on a non-recourse, full-notification ba-sis to small and medium-sized busi-nesses in various industries, including manufacturing, communications, and other services businesses. The com-pany finances its clients through the purchase of accounts receivable owed

to its clients from their customers or other third-party debtors. Founded in 1990 by FL entrepre-neur Kevin Gowen, the company has purchased approximately $3 billion in accounts receivable since 2007. The company is headquartered in Celebra-tion, FL, outside of Orlando, FL and has 25 full-time employees. Selling shareholders include Boyne Capital Partners, a FL-based private equity firm; Midtown Capital Advisors, an Atlanta, GA-based investment firm, and Gowen Family Holdings. Gulf Coast Bank has approximately $1.3 billion in assets and 18 branch of-fices in LA Q

Since 1902, The First National Bank in Altus has served customers in South-west OK. On December 14, 2015, the began operating as Frazer Bank, a name that remains true to its local heritage and enables it to continue to expand into other markets. According to the bank’s website, “we will be the same bank, with the same people...we are not merging with another bank, and our ownership and management remains the same.” The bank reported new signage, literature, logo, and website will be roled out in coming weeks. The First National Bank in Altus adopted the name “Frazer” from the original settlement of Frazer that later became Altus. Frazer was originally named after the Frazier River and later received its final name after the US Postal Service deleted the “i.” Frazer Bank, now a state chartered bank, operates two locations in Altus, and one each in Edmond, Frederick, and Hobart Q

BOK Financial Corp., Tulsa, announced on December 8, 2015, the signing of a definitive purchase agreement to ac-quire MBT Bancshares, Kansas City, MO, the parent of Missouri Bank and Trust of Kansas City, known as “mo-bank.” Under the terms of the agreement, BOK will pay $102.5 million in cash for all the outstanding shares of MBT Bancshares stock. Mobank, at September 30, 2015, operated four branches in the Kan-sas City, MO, area and reported total assets of $578 million, total loans of $42 million, and total deposits of $536 million. BOK currently operates full-service banking in the Kansas City area under the brand Bank of Kansas City with branches in Overland Park, KS, and Lee’s Summit, MO. The transaction is expected to close in the second quarter of 2016, subject to customary closing conditions, in-cluding regulatory approval Q

January 4, 2016 BANKERS DIGEST Page 9

F E A T U R E

C h a r t e r

a c t i v i t y

R E G U L A T O R S

tors consistent with the bank’s own risk profile. Or, simply stated, we need proportionate regulations that repre-sent two distinct banking models—one for community banks and one for the Wall Street banks. Our nation’s financial system is arguably the best in the world, built largely by the entrepreneurial spirit of local shareholders who understood the importance of starting and pre-serving independent banks to sustain local economies.

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ArkansasMERGERS AND ACQUISITIONS The OFFICE OF THE COMPTROL-LER OF THE CURRENCY has re-ceived an application by Simmons First National Bank, Pine Bluff, for an affiliate merger with Simmons First Trust Company, N. A., Pine Bluff, and Trust Company of The Ozarks, Spring-field, MO, with the resultant Simmons First National Bank, Pine Bluff. The FEDERAL RESERVE BANK OF ST. LOUIS has received an applica-tion by Bank of the Ozarks Inc., Little Rock, to merge with C1 Financial Inc., St. Petersburg, FL, and indirectly ac-quire C1 Bank, St. Petersburg, FL.MEMBERSHIP The FRB OF ST. LOUIS has re-ceived an application by The First National Bank of McGehee (to be re-named First Natural State Bank), Mc-Gehee, to become a member of the Federal Reserve System.New MexicoCORPORATE TITLE CHANGE The OCC has announced an ap-plication by Bank’34, Alamogordo, to change its corporate title to Bank 34 was effective December 18, 2015.OklahomaCHARTERS The OCC has announced an ap-plication by The First National Bank in Altus, Altus, for a conversion from a national bank to a state bank and a name change to Frazer Bank was effec-tive December 14, 2015. The OKLA-HOMA STATE BANKING DEPART-MENT approved the conversion and name change at the November 18, 2015, board meeting.BRANCHES The OCC has approved an applica-tion by BOKF, N. A., Tulsa, for a branch relocation from 4909 E. 41st St. to 5211 E. 41st St., Tulsa.TexasBRANCHES PlainsCapital Bank, Dallas, has filed an application with the TEXAS DEPARTMENT OF BANKING for a branch at 3417 Gaston Ave., Dallas Q

COMMUNITY BANK (continued from Page 3) Let’s hope our lawmakers in D.C. can put aside the partisan bickering, and remove the regulatory shackles from our community banks to allow them to help local folks and small businesses thrive and prosper once again. And do it before it is too late to save one of this country’s most impor-tant institutions Q

About the author: Chris Williston is president/CEO of the Independent Bankers Asso-ciation of Texas, the largest state com-munity banking association in the nation.

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cana market. Individual must pos-sess strong leadership and business development skills. This extremely stable bank enjoys history of fam-ily culture and long-tenured em-ployees. Mark Mitchell, Lone Star Search. 972-335-9009. lone-starsearch.net.

WEST TEXAS CFO: Qualified can-didates will have strong account-ing experience plus call report, A/L, funds/liquidity management, inter-est rate risk, and oversight of pay-roll, health insurance, Compliance, and IT. CPA not required. Mark Mitchell, Lone Star Search. 972-335-9009. lonestarsearch.net.

CREDIT ANALYST – Fort Worth, TX - Responsible for analyzing busi-ness and personal financial state-ments and tax returns, completing analytical underwriting summaries for new and existing borrowing re-lationships, computing global cash flow analysis, performing loan and portfolio stress testing, perform-ing profitability analysis, managing appraisal ordering process, and participating in loan committee meetings. Requirements include excellent writing and good verbal communication skills, bachelor’s degree in finance, accounting, or related field, and minimum 1 year of credit analyst experience with a bank. Complete job description can be viewed at www.worthington-bank.com. Please send resume to careers@worthingtonbank.com.

Mail responses to Box Number c/o Bankers Digest, P. O. Box 743006, Dal-las, TX 75374-3006. Phone: 214/221-4544. E-mail responses to: bankersdigest@bankersdigest.com, Box Number in subject line.

January 4, 2016 BANKERS DIGEST Page 11

C L A S S I F I E D Northstar Bank, a community bank located throughout the Dallas/Fort Worth Metroplex and surrounding communities, is looking for Com-mercial Lenders. A COMMERCIAL LENDER at Northstar is responsible for commercial relationship develop-ment and maintaining and generat-ing a portfolio with a primary focus on commercial (C&I) loans. Please visit https://www.nstarbank.com/about-us/careers.html to apply. M/F/V/D.

First United Bank seeks SENIOR LENDER/BANKING CENTER MAN-AGER to oversee $115 million branch located in Lamesa, TX. Ap-plicants must have a bachelor’s de-gree in business or ag business/eco-nomics, and have at least 10 years of agricultural lending experience. Individual must possess strong busi-ness development skills. Prior man-agement and leadership skills a plus. We offer a competitive salary & great benefits package. Qualified candidate please forward resume’ to rboyd@firstunited.net or apply online at www.firstunited.net.

First State Bank - Graham, TX, is seeking a COMMERCIAL LENDER/BRANCH MANAGER. Candidate needs excellent communication skills, ability to promote good cus-tomer relations, and strong busi-ness development skills. 3+ years lending experience is preferred. In-terested applicant can send resume to mschoenhals@fsbgraham.com.

SVP TRUST OFFICER sought for community bank in Amarillo, TX. Excellent networker with 10+ years of fiduciary client services/sales suc-cess desired. Please email your re-sume to jobs@herringbank.com if interested. Equal Opportunity Em-ployer – Member FDIC

Alliance Bank currently has an op-portunity for a LOAN/ADMIN ASSIS-TANT located in Sulphur Springs, Texas. This position is responsible

for all the administrative and cleri-cal duties inherent in the process-ing of loans. This position supports a Senior Vice President primarily responsible for commercial lending. Interested candidate must have a minimum of 2 years previous experi-ence in loan administration. Strong preference for experience in com-mercial loan administration and thorough knowledge of banking laws and regulations. Please email Julie Degelia for more details or to submit a resume. jdegelia@alliancebank.com Equal Opportunity Employer.

Progressive, independent commu-nity bank is seeking a seasoned OPERATIONS OFFICER to oversee and provide leadership to opera-tions management by incorporat-ing and ensuring efficient processes in an environment of unexcelled customer service and satisfaction. Responsible for adherence to regu-lations and bank policies and pro-cedures. The successful candidate will possess a degree in a business or accounting discipline with 5-10 years bank operations experience. Competitive compensation pack-age. A complete job description can be found at bankvnb.com Please send resume to careers@bankvnb.com. EEO/M/F/D/V/Affirmative Ac-tion Employer

COMMERCIAL AND REAL ESTATE LENDER for expanding Northeast Tarrant County bank. Position re-quires previous commercial and real estate lending experience with-in Northern DFW area markets. Col-lege degree in finance, accounting, or related field is required. Ideal candidate should have strong credit underwriting background with pre-vious lending experience and pos-sess strong business development skills. Send resume’ to careers@providencebanktx.com.

COMMERCIAL CREDIT ANALYST for expanding Northeast Tarrant

County bank. Bachelor’s degree in finance, accounting or related field required. Must have excellent writ-ten and good verbal communication skills and be proficient in Microsoft Excel and Word. Previous commer-cial credit underwriting experience desired. Send resume’ to careers@providencebanktx.com.

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Federal Agencies Release Annual CRA Asset-Size Threshold AdjustmentsThe federal bank regulatory agencies in December 2015 announced the annual adjustment to the asset-size thresholds used to define small bank, small sav-ings association, intermediate small bank, and intermediate small savings association under the Community Re-investment Act (CRA) regulations. The definitions of small and inter-mediate small institutions for CRA ex-aminations changed, effective January 1, as follows:• “Small bank” or “small savings asso-

ciation” means an institution that, as of December 31 of either of the prior two calendar years, had assets of less than $1.216 billion.• “Intermediate small bank” or “inter-mediate small savings association” means a small institution with assets of at least $304 million as of Decem-ber 31 of both of the prior two calen-dar years, and less than $1.216 billion as of December 31 of either of the pri-or two calendar years. Annual adjustments to these as-

set-size thresholds are based on the change in the average of the Consum-er Price Index for Urban Wage Earners and Clerical Workers (CPI-W), not sea-sonally adjusted, for each 12-month period ending in November, with rounding to the nearest million. The agencies will publish the ad-justments in the Federal Register and post a list of the current and historical asset-size thresholds on the Federal Financial Institutions Examination Council website (http://www.ffiec.gov/cra) Q