James H. Easter Jr., president/CEO of First National Bank of Burleson

(FNBB), TX, an-nounced four senior officer promotions: J. Adam Russell to senior vice presi-dent and branch manager of the Wilshire Branch, Renette Curtis to vice president,

Michelle Solomon to vice president/loan administration, and Nancy Pat-

Jerome Vascocu, CEO of Richland State Bank, Rayville, LA, has announced that Todd Colvin has been named president of the bank, becoming the eighth president of the 112-year-old insti-tution. Vascocu, who re-mains CEO of the bank and its parent company, Richland State Bancorp Inc., also announced the addition of Adam Rich-ardson as SVP/chief lending officer and Lee Morris as SVP, informa-

tion technology/cybersecurity. Colvin, a 30-year banker, has been a member of the bank’s man-agement team for 14 years, most of that time serving as city president

Volume 146, No. 7February 16, 2015 www.bankersdigest.com

Published weekly on Mondays except fifth Mondays

Colvin Named President, Richardson and Morris Join as SVP, Richland State Bank

First National Bank Burleson Promotes 4

Russell

Plaisance Is CEO, Arvest Mortgage Cos

Plaisance

Colvin

TechMecca 2015 Technology Event Offers Future of BankingFeature..............................................3

In This Issue...

Richardson Morris

in West Monroe and as chief lending officer. He is a graduate of Louisiana

Tech and the Gradu-ate School of Banking at LSU. His community involvement includes his current position as chairman for the Glen-wood Regional Medical Center board of trust-ees. Richardson has over 20 years of financial services industry expe-rience and for the past 14 years has served as a

commercial lend-er at another local bank. Morris is regard-ed as one of the area’s top profes-sionals in the field of information technology and cybersecurity Q

Steven Plaisance has taken over as CEO for both Arvest Mortgage Co.

and Central Mortgage Co., both wholly owned sub-sidiaries of Arvest Bank, Fayetteville, AR. Plaisance became pres-i d e n t / C O O for Arvest

Mortgage Co. (AMC) and

Central Mortgage Co. (CMC) in 2012, and will retain the role of president for both. He will report to Arvest Bank COO Phil Porter. Plaisance began his career with Arvest as a part-time teller in Rogers, AR, in 1989. He joined AMC in 1991 and has held a variety of leadership positions since 1996. He is an active member of the Mortgage Bankers As-sociation and is a two-time president of the Oklahoma Mortgage Bankers Association. He earned a BBA degree from the University of Arkansas and is a 1998 graduate of the Mortgage Bankers Association Future Leaders Program. AMC and CMC, which have loca-tions in AR and OK, regularly origi-nate $1 billion-plus in mortgage loans annually, and currently service a com-bined $38 billion in mortgage loans Q

terson to assistant vice president. Russell was elected to the board of directors for FNBB in 2003. He joined the bank as an assistant vice presi-dent in 2008 with experience in in-vestments, operations management, IT, and lending. He was promoted to vice president in 2011. He now serves in business development, lending, and oversight of the 740 SW Wilshire Blvd. branch in Burleson. He holds a BBA degree in finance from SMU, a law degree with a Business Law Cer-tificate from Texas Tech University, (continued on Page 2)

Page 2 BANKERS DIGEST February 16, 2015

As human resources director Bul-lard will be responsible for recruiting,

leadership devel-opment, compen-sation and bene-fits, and employee relations. Bullard has over 25 years of pro-fessional experi-ence in human resources, bank operations, man-

agement, and employee training. She is certified as a Professional in Hu-man Resources (PHR) by the Society for Human Resources Management. She served more than nine years with Sovereign Bank, Dallas, as human resources manager and earlier more than six years in branch management, marketing, and training positions at Frost Bank/Overton Bank & Trust Q

Legend Bank in Fort Worth has an-nounced the appointment of Jodie

Payne to senior vice president of deposit opera-tions and Tricia Bullard to vice president, human resources director. Payne will be re-sponsible for the bank’s treasury management ser-

vices, deposit services, and customer care. She has over 30 years of bank-ing experience in customer service, operations, cash management, risk management, compliance, loss pre-vention, and electronic banking. She served in bank leadership roles in TX and OK, including service with Com-munity Bank, OmniAmerican Bank, TexasBank, and Central Bank & Trust.

p e o p l e TeXAS

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In This Issue...IBAT’s Flagship Annual Technology Event Offers Future of Banking Feature..............................................3

Texas Banking Industry Needs Your Help........................................8

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

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

and is a graduate of the Southwestern Graduate School of Banking at SMU. He currently serves as the chair of the board of directors for the Burleson Area Chamber of Commerce. Curtis joined FNBB as assistant

Legend Bank Taps Payne SVP of Deposit Opns, Bullard VP, Human Resources Director

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FNBB (continued from Page 1) vice president of operations in 2013. With over 29 years in banking, she has served in all areas of bank opera-tions, including teller operations, new accounts, and audit and compliance. She will continue to oversee and su-pervise the bank’s daily operations.

Solomon joined FNBB in 2013 as assistant vice president and loan administration officer. During her 21-year banking career she has served as a teller, a new accounts represen-tative, operations support person-nel, lending assistant, and in loan operations. Her primary duties are maintaining compliance on all lend-ing regulations, auditing new and re-newed loans, and overseeing lending and credit functions. She graduated from Liberty University in 2009 with a BS degree in accounting. Patterson joined FNBB as opera-tions officer in 2013 and serves at the 740 SW Wilshire Blvd. branch in Bur-leson. She began her banking career in 1995 at FNBB as a teller and has worked her way through every depart-ment in the bank Q

February 16, 2015 BANKERS DIGEST Page 3

F e A T U R e

Source:www.ibat.org/techmecca

TECHMECCA 2015 IBAT’s Flagship Annual Technology Event Offers

Future of Banking

B D

FEATURE

(continued on Page 9)

TIBBankers Digest1/3 pg colorJanuary 2015

A t t e n d e e s at the In-d e p e n d e n t Bankers As-sociation of Texas (IBAT) Te c h M e c c a

2015 experienced a a unique financial institution technology conference and expo on February 2-3. This year it seemed that IBAT found the correct balance between general sessions, education breakout ses-sions, exhibit hall open times, and networking opportunities for the 400-plus attendees. It also helped that the event took place at the Omni Dallas Hotel, with ample space for events and networking in the shiny new facil-ity in downtown Dallas. TechMecca 2015 offered four fo-cused educational tracks built around the CORE (compliance, operations, risk management, and EMV imple-mentation) issues facing community bankers. The tracks included 12 con-current sessions offered by expert in-dustry speakers. Attendee education events/feed-back and interaction were at work all during the conference via the dedicat-ed TechMecca mobile application; al-most every activity during TechMecca became part of “big data” that earned points towards cash and other prizes. The Expo Hall featured 75 tech-nology vendors and a hands-on op-portunity to visit a real-life “branch of the future.” Provided by Diebold, the 90-square-foot space included the latest in face-to-face technology for branch transformation. Since 44 of 100 attendees surveyed at TechMecca identified “enhanced customer experi-ence” as their top objective for 2015, the new branch technology on display provided a solution many bankers wanted to see. Attendees were asked to rate their favorite interactive sessions for “best of show” winners. And, vote they did, according to IBAT staff. This year’s win-ners were Verafin, which offers fraud

and AML detection software, and Dell SecureWorks, provider of world class information security services to pro-tect IT assets, comply with regulation, and reduce security costs. Opening general session speaker Brett King, a bank futurist, author of books Bank 2.0, Bank 3.0, and Break-ing Banks, and founder of download-able smart bank account company Moven, addressed the conference via the internet from his office in CT. King focused his remarks on disrup-tive technology in banking, which he said is inevitable based on the his-tory of technology advances in other industries. He believes the challenge for banks in the future, with respect to brick-and-mortar branches, is to make the branch relevant to how the cus-tomer experience works. King rejected the idea that insert-ing new technology in the branch set-ting will cause a resurgence in branch traffic. “People are not visiting the branch because they don’t need to visit the branch as much as they used to,” he said, citing data which show that the average bank customer will only visit a branch two times this year. “Branches are going to be with us for

some time, but you can no longer rely on branches for revenue or relation-ships going forward. They will become just another part of the overall bank strategy.” Branches in the future must pro-vide banking services that cannot be provided online, King said. Bankers must realize that traditional methods of banking simply won’t cut it in the digital age, especially for the Millen-nials. The customer’s experience in the branch must be an opportunity to extend the relationship across all the bank’s delivery channels. For more on this and other King’s predictions, visit Breaking Banks: http://www.amazon.com/Breaking-Banks-Innovators-Strategists-Rebooting. Closing general session speaker Ron Galloway, who did appear in person, focused his remarks on the rapidity of change facing the banking industry. Galloway, who is known as a Wal-Mart speaker and blogger, knows what works for Wal-Mart and what doesn’t; what works is Wal-Mart’s leverage of existing “scale and IT.”

Page 4 BANKERS DIGEST February 16, 2015

p e o p l e TeXAS

Borchardt Is VP/Mortgage, AccessBank Texas Denton

Borchardt

Murphy Is General Counsel, First State Bank, Carthage

Woodhaven National Bank Ups Seymour & Francisco

Eric Borchardt has joined Access-Bank Texas in Denton as vice presi-

dent of mortgage lending. The an-nouncement was made by Cleve Breedlove, presi-dent/CEO. Borchardt, a Denton County native, has 14 years experience in the banking and

mortgage industries, and has served most of his career in the Denton area. He has served as a senior mortgage lender and banking center president for a local bank. He attended Tarleton State Univer-sity and is a member of the Krum ISD board of trustees, where he has served for nine years. Borchardt will serve customers from the bank’s home office location, 320 W. Eagle Dr., Ste. 100, in Denton Q

Woodhaven National Bank, Fort Worth, announced that Debbie Sey-mour has been promoted to bank-ing officer at its Arlington Park Row branch, while Joyce Francisco has been named lobby services officer at the main location on Bridge St. in Fort Worth. Seymour is a 35-year banker who joined Woodhaven National in 2008. In her new role at Mercantile Bank in Arlington, she will perform customer service duties, prepare loan documen-tation, and close loans. Francisco also joined Woodhaven National in 2008 and was named new account representative. In her new role, she will manage and oversee the day-to-day operations of the main of-fice’s new accounts department. She has more than 37 years of banking ex-perience, having served in Houston, San Antonio, and Beverly Hills, CA. Woodhaven National Bank is the largest locally-owned independent bank in Tarrant County operating un-der the same continuous ownership since its inception in 1983 Q

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Spoonemore Tapped CLO, Icon Bank of Texas HoustonVeteran commercial lender Stuart Spoonemore has recently joined Icon Bank of Texas in Houston as vice pres-ident and commercial lending officer. He previously served in the same capacity four years at Regions Bank and prior to this position also served four years at First Victoria National Bank. Earlier, he served with Compass Bank as an underwriter and with Wells Fargo Bank. He began his career as a financial analysis officer at Corpus Christi Bank & Trust. Spoonemore earned an MBA de-gree in finance from Texas A&M Uni-versity and a bachelor’s degree in fi-nance from Southwest Texas State University Q

Carolyn Payne Murphy has joined First State Bank & Trust Company, Car-thage, as general counsel. Her employment with the 102-year-old East TX institution has unique significance. She is the great-grand-daughter of B.F. Payne, a founder of First State Bank & Trust Company in 1902, granddaughter of Mary Frances Payne and Foster Murphy, who cur-rently serve on the bank’s board of di-rectors, and daughter of David Mur-phy, executive vice president and bank director. The Payne family has owned controlling interest in the bank since 1927. Murphy was raised in Shreveport, LA, and in 2011 graduated magna cum laude with a bachelor’s degree in Hu-man Services from Elon University in Elon, NC, where she was named an Isabella Cannon Leadership Fellow. Most recently, she received a law de-gree from Mississippi College School of Law in May 2014, while serving as president of the Women’s Student Bar Association. She is a member of the State Bar of Texas. First State Bank & Trust is a $509 million-asset community bank that serves customers in Panola County and the surrounding market area Q

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February 16, 2015 BANKERS DIGEST Page 5

Bank of Albuquerque, N. A., has an-nounced the promotion of Jessica

Austin to vice pres-ident and com-mercial real estate relationship man-ager. Austin is a New Mexico native with more than 10 years of experience in business and com-mercial real estate

banking. She began her career with Bank of Albuquerque as a credit an-alyst in the commercial real estate department in 2010. Prior to joining Bank of Albuquerque she served with Wells Fargo Bank. Austin holds a BBA degree in mar-keting and an MBA degree in finance from the University of New Mexico. She is a member of the board of direc-tors for the CCIM New Mexico Chapter and CREW New Mexico, and is an ac-tive member of NAIOP. She was recognized by Real Estate Forum as a Young Professional Leader in the Southwest market. She is also a graduate of Leadership Albuquer-que and chair of the BAQ Employee United Way Campaign Q

p e o p l e TeXAS oKlAHoMA NeW MeXICo

Aita Promoted to Vice Pres, First Bethany Bank & Trust

Austin Elected Vice Pres at Bank of Albuquerque

Austin

First Bethany Bank & Trust, Bethany, has announced the promotion of Luis Aita to vice president in commercial lending, according to Jane Haskin, president/CEO. Aita most recently served as as-sistant vice president in commercial lending, providing essential support to the lending team as well as serving as credit analyst. He graduated from University of Central Oklahoma with an account-ing degree and has several years of accounting experience. He is active in the YMCA as a youth soccer coach for which he received the Youth Coach of the year award in 2014 Q

Southside’s Hartley Retires, Norton Is Chm, Garrett V-Chm

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Collingbourne Named VP, Oklahoma Fidelity BankBert Collingbourne has joined Okla-homa Fidelity Bank in Oklahoma City as a commercial banker at the vice president level. Collingbourne has served at na-tional (JPMorgan Chase and Bank of America), regional (MidFirst Bank, Oklahoma City), and community banks (Frontier Bank, Oklahoma City), primarily as a commercial banker. He graduated from Oklahoma State Uni-versity with a BBA degree in finance Q

In recognition of 54 years of outstand-ing service, Southside Bancshares, Ty-ler, has named B.G. Hartley chairman emeritus. Hartley has served as CEO of Southside Bank since it opened in 1960 as well as chairman of the board of directors for the bank through 2012 and the holding company through 2014. He was also active with the American Bankers Association, serv-ing on its board of directors. Succeeding Hartley as holding company chairman is Joe Norton, who has been a member of board since 1988 and its vice chairman since May 2014. Norton owns Norton Equipment Company and is general partner in Norton Leasing Ltd., LLP. He has also owned and operated several other businesses. He is a past vice chairman of the board of regents at Texas A&M - Commerce. Bob Garrett has been named vice chairman. Garrett has served on the boards of Southside Bancshares and Southside Bank since 2009. He is a real estate developer and serves as president of Fair Oil Company. He is also vice president of the R.W. Fair Foundation and a member of the board of regents for Stephen F. Austin State University Q

Johnston to Lead Midwest Bank Phoenix Lending OfficeMidwest Regional Bank, Festus, MO, has recently named SBA lending ex-pert Steven Johnston to head up a new small business lending office (LPO) in Phoenix at 5080 N. 40th St. Johnston has nearly 20 years of bank lending experience in AZ and CO. He has specialized in small busi-ness lending, particularly SBA lending at several banks, including Comerica, US Bank, and Mission Oaks National Bank. He also served as president of Legis Commerial Capital in Phoenix. Midwest Regional Bank reports as-sets of over $330 million. The bank was established in 2007 but dates its roots back to 1894 in Otterville, MO Q

ARIZoNA

Page 6 BANKERS DIGEST February 16, 2015

Williams has been promoted to SVP of human resources and advertising, in addition to serving as HFB’s infor-

mation security officer. She has served in the fi-nancial services industry for over 20 years, the past five as HFB’s di-rector of human resources, sup-porting all fac-ets of human

resources, including performance management, compensation, and benefits. In her new role, she will ad-minister HFB’s sales, marketing, and communications strategy. Williams graduated from Northwestern State University and is certified as a Profes-sional of Human Resources (PHR). “Mary and Dawn have been an inte-gral part of our management team for the past five years, and we’re pleased to recognize them for their hard work and dedication,” said Barlow. Home Federal Bank conducts busi-ness from its five full-service banking offices and one commercial lending agency office in northwest LA Q

p e o p l eARKANSASloUISIANA

Jones and Williams Are SVPs, Home Federal Bank Parton is Vice President at Cornerstone, Eureka Springs

Jones Williams

Home Federal Bank (“HFB”), a wholly-owned subsidiary of Home Federal Bancorp Inc. of Louisiana, Shreveport,

has announced the promotions of Mary Jones and Dawn Williams to senior vice presi-dent. Jim Barlow, president/CEO of HFB, made the announcement. Jones, SVP of retail and deposit operations, has

been appointed chief operations of-ficer (COO) of HFB. She has over 40 years of banking experience and has been employed with HFB for over 30 years. She was instrumental in the transition of Home Federal Savings & Loan Association into a full-service community bank in 2009. Moving for-ward, she will continue to oversee branch operations to ensure a high level of customer service, as well as compliance with bank policies and procedures. She will oversee new product development and implemen-tation and take on a larger role in the development of HFB’s strategic plan-ning.

Parton

Jason F. Tennant, Cornerstone Bank, Eureka Springs, executive vice presi-

dent/CLO, has announced the appointment of Donna Parton to vice president, re-tail banking man-ager. Parton will oversee the local bank’s sales team and be responsi-ble for the bank’s

marketing efforts and product devel-opment. She has 28 years of experi-ence in the banking industry having served at Arvest Bank and First Na-tional Bank of North Arkansas prior to joining Cornerstone Bank’s manage-ment team. Parton is Carroll County Recreation Association secretary, past president and current member of the Berryville Chamber of Commerce, and a mem-ber of the Kiwanis Club Q

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Arvest Bank in Fayetteville has an-nounced that Roger Bryles has been promoted to vice president, trust cli-ent advisor for Arvest Asset Manage-ment. Bryles has served as a trust client advisor for Arvest Asset Management for more than five years. Before he joined Arvest, he was a vice presi-dent, chief financial officer, and board treasurer of a private foundation, a registered investment advisor with a regional investment firm, and a bank examiner with the U.S. Treasury. Tabitha Lipscomb, executive vice president and trust manager for Arvest Bank in Fayetteville, Springda-le and Benton County, made the an-nouncement Q

Bryles Named VP, Trust, at Arvest Bank in Fayetteville

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February 16, 2015 BANKERS DIGEST Page 7

N e W S W A T C HTeXAS

Moody National Opens Branch in Iconic Austin Building First State Gainesville, North Texas Bank MergeMoody National Bank (MNB), a

Galveston-based community bank, recently announced its newest branch in downtown Austin, according to Victor R. Pierson, president. Located in the iconic building at 400 W. 15th St., now known as Moody Tower, the bank occupies 6,500 square feet on the ground floor and opened its doors for business on Feb-ruary 9. MNB also has placed ATMs in all nine local Randall’s locations. In addition to greater accessibility for its clients, the new location and exterior signage atop Moody Tower make MNB visible across Central Aus-tin. With 10 staff members currently employed, the new building gives MNB the capacity to double its staff as needed in future years. As part of the renovation process, MNB converted the bank’s original vault door, built in 1875 in Pennsyl-

vania and weighing more than 40,000 pounds, as the entry to the bank’s new conference room. The confer-

ence room houses a 12-foot-long ta-ble made from a 211-year-old fallen pecan tree recovered from Onion Creek. Founded in 1907, MNB first opened in

Austin in 2008. Jeff Hutchens, execu-tive vice president and Central TX area manager/lender, started the LPO out of his house before moving to a tem-porary location on Anderson Ln. Moody National Bank has 19 loca-tions, all in TX. It is one of the larg-est privately-owned banks in the state with assets exceeding $1 billion as of December 31, 2014. Founded in 1907, the bank serves clients in Galveston, Fort Bend, Brazoria, and Harris coun-ties, and Austin, The bank’s trust de-partment is one of the largest and old-est in TX Q

Red River Bancorp, the holding com-pany for First State Bank, Gainesville, completed an acquisition of North Texas Bank, N. A., Decatur, in No-vember 2014. The two banks officially merged on January 30, after their cus-tomer files and computer systems were fully integrated. After this consolidation, the former North Texas Bank’s Decatur (661 W. Thompson) and Roanoke (211B Oak St.) locations were rebranded First State Bank offices. The resulting combined entity will have 12 offices in four counties, with total assets of roughly $900 million, and 200 employees. First State Bank, a 109 year-old in-stitution (established in 1905), is the oldest state-chartered bank in TX. J. Andrew Rottner, former North Texas Bank president/CEO, is the De-catur banking center president Q

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Page 8 BANKERS DIGEST February 16, 2015

N e W S W A T C H ARKANSAS TeXAS

Benefit Bank Proposed Deal Set at $32 Million Texas Banking Industry Needs Your Help, Says SandbergThe proposed sale of Fort Smith’s

Benefit Bank represents a cash trans-action of nearly $32.2 million, accord-ing to an article by George Waldon at www.arkansasbusiness.com. Ironhorse Financial Group Inc. of Muskogee, OK, intends to merge the $195 million-asset Benefit Bank into its Muskogee-based Armstrong Bank, which operates 17 full-service locations in eastern and northern OK. The com-bined assets of the two banks would total more than $857 million. The deal is expected to close in March or April. Benefit was founded as a federal savings bank in November 1999 and converted to a state bank last June.

Benefit Bank is owned by Benefit Financial Group Inc., whose owner-ship is dominated by Fort Smith indi-viduals. Among its roster of investors are alumni of Superior Federal Bank, acquired in 1992 by Boatmen’s Banc-shares Inc. of St. Louis, MO. According to the article, the top five shareholders include: Lyn Coleman, 10.76%; Leo Anhalt and his wife, Bar-bara, 6.58%; Bruce McNeill, former chairman/CEO of Superior Federal Bank, and his wife, Jean, 6.41%; Rod Coleman and his wife, 6.25%; and Joe Edwards, president of Benefit Bank and a former president/CEO of Superi-or Federal, and his wife, Judy, 5.68% Q

A particulary bad idea is being put forth in the 84th Texas Legislature that affects Texas’ state-chartered in-sured depository instititutions, writes J. Eric Sandberg Jr., Texas Bankers Association president/CEO (www.texas-bankers.com). In his “Message from the President” column in the February 2015 Texas Banking, Sandberg advises readers that the Sunset Advisory Commission (www.sunset.texas.gov) members have voted to recommend language to the 84th Leg-islature that would place the agencies that regulate state-chartered, FDIC-in-sured institutions under the legislative appropriations process, which only occurs once every two years. Sand-berg says this is a bad idea, and he is encouraging TX bankers to let “your members of the Legislature...know you do not want to have the Departments placed under the appropriations pro-cess. And let them know why.” The two agencies under the Finance Commission that work with state-chartered insured depository institu-tions are the Banking and Savings & Mortgage Lending departments; both are able to operate outside the ap-propriations process since 2009 when legislators voted to place the Finance Commission in “Self-Directed, Semi-Independent” status “because they recognized that not only were the agencies not putting money into (or taking money out of) the state’s gen-eral revenue coffers, but also because these agencies’ financial needs, be-cause of the entities they regulate, are countercyclical.” “If the agencies were under the ap-propriation process, they would have to spend an inordinate amount of time on bureaucratic hurdles trying to secure supplemental appropriations” to do their jobs – supervising and reg-ulating their institutions, he writes. Sandberg points out that “a bank or thrift charter is not an occupational license–and should not–contribute to the General Revenue Fund.” They “are key and integral to the economic well-being of the state.” Let your legislator know why! Q

February 16, 2015 BANKERS DIGEST Page 9

R e G U l A T o R S

C h a r t e r

a c t i v i t yArizonaBRANCHES The FEDERAL RESERVE BANK OF DALLAS has received a notice by Co-merica Bank, Dallas, TX, to establish a branch at 7525 W. Thunderbird Rd., Peoria.ArkansasCHARTERS The ARKANSAS STATE BANK DE-PARTMENT has approved an applica-tion for a federal savings association to state bank charter by RiverBank Savings and Loan Association, Corn-ing, to be known as RiverBank, Poca-hontas.BRANCHES The ARSBD has approved an appli-cation by Heartland Bank, Little Rock, for a branch at One Information Way, Ste. 300, Little Rock. The ARSBD has approved an ap-plication by First Service Bank, Green-brier, for a branch at 12921 Cantrell Rd., Ste. 204, Little Rock. The ARSBD has filed an applica-tion by The Bank of Rison, Rison, for a branch at 901 Martin Luther King, Ste. 100, Malvern. The OFFICE OF THE COMPTROL-LER OF THE CURRENCY has ap-proved an application by The Malvern National Bank, Malvern, for a branch at 10700 Bass Pro Pkwy., Little Rock.MERGERS AND ACQUISITIONS The ARSBD has approved an ap-plication by Farmers Bank and Trust Company, Magnolia, for a merger with 1st Bank, N. A., Texarkana, TX, and ap-proved an application to relocate a branch from 5499 Summerhill Rd. to 2900 St. Michael Dr., Texarkana, TX. The ARSBD has filed an applica-tion by Ironhorse Financial Group Inc., Muskogee, OK, to acquire Benefit Bank, Fort Smith. The ARSBD has filed an applica-tion by SABCO Irrevocable Stock Ownership Trust, Raymond Tracy Fox as co-trustee and Guy Richard “Buck” Smith as co-trustee, Hot Springs, to acquire Smith Associated Banking Corporation, Hot Springs.

LouisianaCHARTERS The OCC has approved an applica-tion for a federal savings bank to na-tional bank charter for Home Bank, N. A., Lafayette.TexasBRANCHES The OCC has approved an applica-tion by Bank of America, N. A., Char-lotte, NC, for a branch at 2740 Pearl-and Pkwy., Pearland. The OCC has approved an applica-tion by Bank Texas, N. A., Quitman, for a branch at 1801 Preston Rd., Plano. The OCC has approved an applica-tion by Wells Fargo Bank, N. A., Sioux Falls, SD, for a branch relocation: from 5900 Airport Blvd. to 6501 Airport Blvd., Austin; received an application for a branch relocation: from 301 St. Joseph to 1107 E. Sarah Dewitt Dr., Gonzales; and received applications for branches: 3465 Discovery Creek Blvd., Spring, and vicinity of W. Uni-versity Blvd. and W. Loop 338, Odessa. The OCC has received an applica-tion by Firstcapital Bank of Texas, N. A., Midland, for a branch at 9891 FM Hwy. 2147, Horseshoe Bay. The TEXAS DEPARTMENT OF BANKING has received an application by Texas First State Bank, Riesel, for a branch at 3310 E. Central Texas Expy., Ste. 209, Killeen.

The TXDB has received an applica-tion by Prosperity Bank, El Campo, for a branch at 11545 Research Blvd., Austin. The TXDB has received an appli-cation by Westbound Bank, Katy, for a branch at 15001 FM 529, Houston. The TXDB has received an applica-tion by Texas Regional Bank, Harlingen, for a branch at the SEC of Panther Dr. and Westgate Dr., Weslaco; the FRBD has received an application for this branch.MERGERS AND ACQUISITIONS The TXDB has reported an appli-cation by First State Bank, Gainesville, for a merger with North Texas Bank, N. A., Decatur, was effective January 30 Q

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Galloway segued into a discussion of a phenomenon in the payments in-dustry - Bitcoin - which he theorized is a black swan event, an unexpected event which has a major effect. He referred the audience to the web-site www.blockchain.com, which is the “world’s most popular web-based bit-coin wallet” and an example of scale and IT in the payments industry. Other examples of payment innovators that leverage existing scale and IT are Pay-Pal, Apple, and soon Facebook. When asked why future consumers will need a financial institution for their money, he said the take-away is that financial institutions will be needed “because they provide trust.” Q

FEATURE (continued from Page 3)

Page 10 BANKERS DIGEST February 16, 2015

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February 16, 2015 BANKERS DIGEST Page 11

Trinity Bank in Fort Worth, TX, is looking for a LOAN OFFICER AS-SISTANT to meet the needs of our growing lending volume. Previous banking experience required. Du-ties will include the preparation and closing of all loan documents for multiple loan officers. Please sub-mit resume to Kris Nordyke, 817-569-7223, kris@trinitybk.com

HAPPY STATE BANK, a $2.5 billion bank in West Texas, is seeking a COMMERCIAL LENDER in the Tex-as Panhandle. Ideal candidate will have a four-year college degree in accounting, finance or a business-related field with a minimum of 3 years commercial and/or agricul-tural lending experience. Strong communication and interpersonal skills are a must. Please complete an application and submit a resume at www.happybank.com.

A $220MM Community Bank in Central Texas is seeking a CREDIT ANALYST responsible for analyz-ing business and personal financial statements and tax returns, com-pleting analytical underwriting sum-maries for new and existing borrow-ing relationships, computing global cash flow analysis, performing loan and portfolio stress testing, partici-pating in loan committee meetings, excellent writing and verbal com-munication skills, etc. Bachelor’s degree in accounting, finance, or related field preferred. Minimum 3 years of analyst or equivalent posi-tion required. Please send respons-es to bankersdigest@bankersdigest.com, Subject line Box F-6.

LOAN REVIEW POSITION: Self-motivated person to perform loan review for a bank consulting and CPA firm in Central Texas. Travel required with competitive pay and benefits. Regulatory or prior loan review experience is preferred. Contact Kim Nors at kimberlyv@cwc-pc.com

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COMMERCIAL REAL ESTATE LENDER Successful candidate will have a bachelor’s degree and 5 to 7 years of experience, with strong commercial credit, analytical skills, and formal commercial credit training preferred. Must possess proven leadership abilities and demonstrate a record of success in develop-ing and retaining a commercial portfolio and customer base. Com-petitive compensation and benefits offered. Please send resume to bankersdigest@bankersdigest.com, subject line Box F-3.

CHIEF CREDIT OFFICERResponsible for providing support and direction in the develop-ment and management of the Bank’s loan portfolios. Duties include establishing and monitoring of credit policies and procedures de-signed to ensure compliance with regulatory guidance and industry best practices, providing guidance to lending officers on analytical considerations, structural recommendations, approval processes, le-gal documentation, and servicing matters; managing credit support staff including documentation specialists, Relationship Managers, Loan Officers, and Credit Analysts; coordinating regulatory audits and loan review examinations (as related to credit risk manage-ment); analyzing portfolio risk, mix, concentrations, and diversifica-tion performance of loan portfolio analysis including calculation of the allowance for loan losses, impairment assessments, and CRE stress testing; and preparation of reports ensuring that Manage-ment and the Board of Directors are apprised of loan portfolio risks and performance. The position plays an integral part in identifying and minimizing the Bank’s credit risk exposure and providing asset quality oversight. Complete credit analysis, loan underwriting, and processing activities for commercial and producer accounts. 10-15 years experience required. Please send resume to bankersdigest@bankersdigest.com, subject line Box F-4.

SENIOR CREDIT ANALYST Responsible for working closely with Relationship Managers, Com-mercial Lenders, Directors and customers to help grow this bank’s presence. Responsibilities include: gather, spread, analyze credit in-formation and business financials; analysis of loans between $100k - $15 million that represent C&I, Business Banking, and Commer-cial Real Estate; maintain portfolio of assigned credits; obtaining financial information and annual reviews; proper risk rating of loans to ensure they are in line with the bank’s risk regulations; communi-cation with lenders on an ongoing basis to ensure a timely approval process; attend credit approval meetings weekly and Director’s meetings bi-weekly. JOB REQUIREMENTS: Bachelor’s Degree, 5-7 years experience in commercial underwriting or commercial credit, excellent communication skills, relationship management skills. Please send resume to bankersdigest@bankersdigest.com, subject line Box F-5.

Page 12 BANKERS DIGEST February 16, 2015

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