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FE B R UA RY 26, 2018 VO LU ME 152, N U MB E R 8 W W W.B A NK E R S D I G E S T.C O MFirst National Bank of McAlester’sNelson Retires After 43 Years in BankingOKLAHOMAROI NELSON, a director for First NationalBank of McAlester and formerly thecompany’s CEO, retired from banking inJanuary, according toCARLTON BASS, thebank’s chairman ofthe board. Nelsonserved the bankingcommunity for 43years, beginning hiscareer with FirstNational Bank inNELSON1975 as a vicepresident in lending. In 1980, he joinedThe Bank NA, where he served as a seniorvice president and branch president inthe company’s Stillwater location. Nelsonreturned to McAlester in 2000, when hebecame executive vice president anddirector of First National Bank.In 2004, he was promoted to president and in 2006 was also named CEO,the position he held when he retiredfrom daily duties at the end of 2015. Hecontinued as a director of First NationalBank until January 2018.Nelson is a graduate of the University of Oklahoma and the SouthwesternGraduate School of Banking. He hasbeen active in his community, servingas president of the Stillwater MedicalCenter Foundation and the McAlesterRegional Health Center Foundation.Nelson served on the Advantage HealthPlans Insurance Trust as a trustee fortwo terms and then as its chairman. Marshall Takes the Helm at FirstBankSouthwest with the Retirement of Ellis as CEO and PresidentTEXASSMITH ELLIS recently retired as chiefexecutive officer and president ofFirstBank Southwest headquartered inAmarillo. He willremain the company’s chairman of theboard. Ellis is thefourth generation ofhis family to leadthe bank, which theEllis family hasowned since 1934.ELLISHe joined theexecutive management team ofFirstBank Southwest in 2004 servingunder Carl W. Ellis, chairman, and wasnamed president and CEO in 2006.FirstBank Southwest’s new CEO,ANDY MARSHALL, has held executiveleadership and commercial manage-ment positionsat regional andsuper-regionalbanks in Oklahoma, Arkansas andMississippi. Mostrecently, he wascommercial bankinggroups managerMARSHALLwith Arvest Bank inTulsa and prior to that was chief lendingofficer with First Security Bank in LittleRock, Arkansas. Marshall earned abachelor’s degree from the Universityof Maryland’s Robert H. Smith School ofBusiness and an MBA from the University of MississippiFounded in 1907, FirstBank Southwest has locations in Amarillo, Perryton,Booker, Pampa and Hereford. TEXASAccessBank Texas WelcomesThree New Company LeadersIn December, RANDAL SAHM joinedDenton-based AccessBank Texas as thenew chief financial officer. With morethan 25 years ofexperience in thefinancial industry,Sahm served 13years as CFO forNorthstar Bank priorto joining AccessBank Texas. He hasalso worked asSAHMdivisional controllerat Bank of Texas, CFO for two community banks in the Dallas area and as abank examiner for the Office of theComptroller of the Currency.Sahm received a bachelor’s of business administration degree in financefrom the University of North Texas and amaster’s degree in accounting from theUniversity of Texas at Dallas.AccessBank Texas also has hired twonew commercial lenders. CHASE ROWEjoined the bank late in 2017. He hasmore than 17 yearsof banking andlending experienceand will openAccessBank Texas’Speedway locationin April. Rowe beganhis career with WellsFargo Bank in 2000ROWEand has held variouslending and management roles withBBVA Compass, as well as PlainsCapitalBank. He completed his degree inbusiness management in 2009 and hasbeen working exclusively in commerciallending since 2010.Continued on page 8P U B L I S H E D E V E RY M O N DAY E XC E P T T H E F IF T H M O N DAY O F T H E M O N T H
Berg Named First National Bank’sMarket President in Wichita FallsTEXASThe board of directors of First NationalBank announced in February that CLIFFBERG has been named president of thebank’s Wichita Falls market.Berg has more than 38 years bankingexperience in Wichita Falls, with 22years at First National Bank, duringwhich he has held positions as a commercial lender, senior lender and chieflending officer.He holds a master’s degree in business administration from MidwesternState University.Berg is also a graduate of the Southwestern GraduateSchool of Bankingat SMU.First NationalBank opened its firstlocation in 1986 inBERGWichita Falls andnow has four banking centers and threemortgage offices. San Antonio’s Broadway Bank Hires Stumpas Senior Vice President, Customer Experience ManagerTEXASNICKY STUMP hasjoined BroadwayBank as senior vicepresident, customer experienceand product development manager,bringing a 13-yearbackground in stratSTUMPegy, transformation,process design and product manage-ment. Stump holds a bachelor of artsdegree in history from the Universityof Texas at Austin and an MBA from OurLady of the Lake University.Headquartered in San Antonio,Broadway Bank was founded in 1941. Ithas evolved from a neighborhood bankinto one of the largest independentlyowned banks in Texas, currently operating more than 35 financial centers inthe San Antonio and Austin regions. E S TA B L I S H E D 19 42(USPS 041180)Southwest banking newspublished every Monday exceptthe fifth Monday of the month at1700 Rio Grande St., Ste. 100Austin, Texas 78701Neil Ferguson, EditorContact Bankers Digest ankersdigest.comFor display or classifiedadvertising inquiries, emailadvertising@bankersdigest.comOne year subscription rate:Print 39 Online 28 Both 52Single copy 1Opinions expressed bywriters of bylined articles in thispublication are not necessarilythose of Bankers Digest. We makeno representations or warrantiesfor information, productsor services contained in anyadvertisement in this magazineor on the Bankers Digest website.Editorial guidelines may beobtained upon request. Articlesand photos may be submitted toabove address or sent via email.Periodical postage paid atAustin, Texas, and at additionalmailing offices.POSTMASTERSend address changes toBankers Digest1700 Rio Grande St., Ste. 100Austin, Texas 78701 2018 BANKERS DIGEST2 Bankers Digest February 26, 2018
Let’s Hope We Free Our Community Banks in 2018THE CALENDAR HAS FLIPPED TO 2018—a new year filled with great expectations.I can’t help feeling optimistic as I look to the months ahead. Will this be theyear that comprehensive congressional regulatory relief for community banksfinally happens? Many communities throughout Texas have seen their local banksshutter or be absorbed by larger institutions over the past several years becauselaws and rules, originally intended to curb the abuses of the nation’s largest “toobig-to-fail” banks, have instead trickled down to negatively impact the smallest.“Too small to survive” is a termused to describe this. Urban and ruralcommunities alike have seen a consistent wave of mergers and acquisitionsin community banking. According tofederal data on the nation’s 1,980 ruralcounties, approximately one-third don’thave a local bank and many have no bankat all. Here in Texas, we’ve lost nearlyone-third of our banks since 2009.Without local banks, communitiesare starved of the capital they need forbusiness growth and economic development. Community banks with lessthan 10 billion in assets provide morethan 60 percent of all small-businessloans under 1 million and more than80 percent of all agricultural loans,both of which are extremely importantin the Southwest.Only Congress holds the key to unchain community banks from the burdenpushing them toward consolidation.There is hope that 2018 is the year thatour political leaders will finally get a billacross the finish line. For years now therehas been bipartisan support to make thishappen but, as things often go in D.C., theefforts have repeatedly stalled.Late last year, the Senate BankingCommittee passed the Economic Growth,Regulatory Relief and Consumer Protection Act, legislation that would bringmeaningful community bank regulatoryrelief. It is focused on community banksand the customers they serve. And it wasintroduced with 20 bipartisan cosponsors—a promising sign in today’s divisiveCongress to bring this important bill upfor a vote and ensure its passage. Senateco-sponsors range widely, from MontanaDemocrat Jon Tester to Arkansas Republican Tom Cotton.Banks and consumers nationwidewill be the big winners as the benefitsof this legislation extend to communitybank customers, not just the banksthemselves. Overall, the bill providesrelief from the regulatory burden of reporting and various other requirements,which frees up resources so communityBANKS AND CONSUMERS NATIONWIDE WILL BE THE BIG WINNERS AS THEBENEFITS OF THE ECONOMIC GROWTH, REGULATORY RELIEF AND CONSUMERPROTECTION ACT EXTEND TO COMMUNITY BANK CUSTOMERS, NOT JUSTTHE BANKS THEMSELVES. OVERALL, THE BILL PROVIDES RELIEF FROM THEREGULATORY BURDEN OF REPORTING AND VARIOUS OTHER REQUIREMENTS.political climate. As half of the co-sponsors are Democrats, there should easilybe enough votes in the Republican-ledbanks can lend more and continue tooffer competitive products and services.Continued on page 7By CHRISTOPHER L. WILLISTONChris Williston is the president and CEOof the Independent Bankers Associationof Texas, the largest state communitybanking association in the nation. Itrepresents 2,000 community banks andbranches throughout Texas.Bankers Digest February 26, 2018 3
TEXASCulling and Murphy Named SVPs at HomeTown BankGAYLE CULLING with HomeTown Bank inGalveston has been promoted to seniorvice president. She began her careerthere in 1991 as ateller and her currentposition will includemanaging the teller,e-banking andwire departments.Culling attended theUniversity of Houstonat Clear Lake.CULLINGHomeTown Bank in Pearland haspromoted SEAN MURPHY to senior vicepresident. He started as manager andloan officer at thePearland branchwhen it opened in2012. Murphy holdsa business management degree fromthe University ofHouston at ClearLake. MURPHYCommunity National Bank & Trust NamesLoftin VP and Loan Officer for Future Centerville LocationTEXASCorsicana-based Community NationalBank & Trust of Texas has namedCLAYTON LOFTINLOFTINvice president andloan officer for thenew branch that willbe built in Centerville. He will work atthe bank’s Buffalolocation while thebuilding is underconstruction.Loftin graduated from Texas A&MUniversity, where he earned his bachelor’s of science degree in agricultureleadership and development, with abusiness minor. After graduation, heworked for Med Tech Construction as asenior estimator, where he was responsible for preparing proposals/bids fornew and remodel projects. For the pastseven years, Loftin has worked as a district representative at Nalco Championin Centerville. PROTOTYPE DESIGN & ROLLOUT BRANCH TRANSFORMATION MAIN OFFICES/ HEADQUARTERSENDORSEDPROVIDER14333 GRISBY RD HOUSTON TEXAS 77079WWW.MGARCHITECTS.COM 713-552-O7O74 Bankers Digest February 26, 2018NEW MEXICOLewis Joins First National1870 in AlbuquerqueSUSAN LEWIS has joined First National1870 as senior relationship associate.With 30 years ofexperience incommercial bankingin New Mexico, inher new role shewill support theday-to-day management of FirstNational 1870’sLEWIScommercialcustomers in Albuquerque.TEXASTrustTexas PromotesPinnegar and ZarateCODY PINNEGAR has been promoted tomanager of the New Braunfels branch ofTrustTexas Bank. He began working forTrustTexas Bank in2013 as a relationship banker, and in2014 was promotedto assistant branchmanager. Pinnegarhas an associatesdegree in businessadministration fromPINNEGARAustin CommunityCollege and currently is pursuing hisbachelor’s degree in business management from Lamar University.MARIA ZARATE has been promotedto account services administrator forTrustTexas Bank’s Victoria location. Anative of Victoria,she has served asassistant branchmanager at thatlocation for the pastfour years.Founded in1921 in Cuero,TrustTexas BankZ ARATEis a full-servicecommunity bank with six locations inVictoria, Kyle, New Braunfels, Cueroand Yorktown.
TEXASTexas Bank and Trust NamesMoyers as Assistant VP andBranch Manager, FarrerPromoted to Banking OfficerTINA MOYERS has been named assistantvice president and branch manager atTexas Bank and Trust Company’s SanAugustine branch.She previouslyworked for TexasBank and Trust as amortgage settlement assistant withresponsibility forsettling loan files,securing mortgagMOYERSee/mortgageinsurance and preparing loans sold inthe secondary market for shipping.Moyers holds a bachelor’s of businessadministration degree in marketingfrom Texas A&M University.Texas Bank and Trust Chairman ofthe Board ROGERS POPE has alsoannounced that TYLER FARRER has beenpromoted tobanking officer inthe bank’s Richardson branch. Farrerjoined the bank in2014 as a creditanalyst. He holds abachelor’s ofscience degree inFARRERagriculturalbusiness, with a minor in banking, fromSam Houston State University. He is inthe process of becoming a member ofthe Richardson Chamber of Commerceand Richardson Young Professionals. OKLAHOMARCB Bank Hires Hall as VP Loan OfficerAMY HALL has joined RCB Bank as vicepresident loan officer in Oklahoma City.While Hall holds a degree in businesseducation, she is a self-proclaimed science geek at heart. She got into banking21 years ago because it combined twothings she loves: numbers and helpingpeople. Through banking, Hall has hadthe opportunity to work with the OUHealth Sciences Center and speak togroups on a number of financial topics.HALLBoard since 2015.She works with areadentists on the annual Oklahoma Mission of Mercy, whichprovides free dentalcare to anyone whoneeds it. Hall hasbeen a memberof the OklahomaDental FoundationMarshall Joins First National Bankof Broken Arrow as Vice President Commercial LenderOKLAHOMAFirst National Bank of Broken Arrowrecently hired ANDREW MARSHALL toserve as vice president-commerciallender. A graduate ofOral RobertsUniversity, Marshallbegan his financial-services careerin 2006 at AmericanHeritage Bank. Fromthere, he moved toArvest Bank whereMARSHALLhe served as a creditanalyst II and in 2009 as a loanedexecutive to the Tulsa Area United Way.In 2011, he joined Regent Bank, initiallyserving as assistant vice president,senior credit analyst and, most recently,as vice president, commercial lender.First National opened its doors in1902 in what is now downtown Broken Arrow. After more than 115 yearsin business, only four chairmen haveheaded the institution. First Nationalhas three full-service locations in Broken Arrow, employs 46 people and isthe oldest family-owned bank originated in Tulsa County. SEND US YOUR NEWS!Bankers Digest thrives on reportingall the news about banking in theSouthwest. If your company has hired newprofessionals, promoted colleagues fromwithin or has any news to share with theSouthwest banking community, we’ll giveyour bank the coverage it deserves.bankersdigest@bankersdigest.comBankers Digest February 26, 2018 5
OKLAHOMACommunity Bankers Association of Oklahoma Supports Equifax Class Action SuitE D I T O R ’ S N O T E: Recently, Craig Buford CAE, president and CEO of the CommunityBankers Association of Oklahoma, penned a letter to fellow community bankersregarding last year’s Equifax breach, the effect it has had on community banks andwhat the association is urging in response. Here is his message:Last year, Equifax experiencedthe most significant data breachin American history. Communitybanks were, and remain, on the frontlines in response. Financial institutionswere left to protect their institutionsand customer data. This massive databreach was significantly more impactfulas it changed the manner by which somany community banks authenticatecustomer identities. The theft of suchcritically sensitive information posesthe threat of identity theft for millionsof consumers well into the future. Community banks will remain at risk of fraudresulting from Equifax’s negligence inbasic cyber hygiene.6 Bankers Digest February 26, 2018In response to calls from community banks for action, the CommunityBankers Association of Oklahoma’sstrategic partner in Washington, D.C.,the Independent Community BankersAssociation of America, has filed a lawsuit against Equifax. Since then, severalcommunity banks have also filed suitagainst Equifax. ICBA’s lawsuit asks thatEquifax compensate community banksharmed by the breach. The case citesthe myriad damages it has caused, suchas the costs of customer credit freezes,protective measures to deter and/orprevent fraud and canceling and replacing payment cards. For a longer-termsolution, ICBA also asks that Equifaximprove its security infrastructureto prevent future data breaches. Thecourts have created two tracts for themany lawsuits that have been filed: onespecifically for consumers and anotherfor financial institutions and bankingtrade associations.Currently, we know of no classrepresentatives from Oklahoma in thesuit. If this has been an issue for yourbank and if you would like to join thecase against Equifax, download thisdocument for details: goo.gl/PehgX4. Formore information, contact JeremyDalpiaz, ICBA’s assistant vice presidentfor cyber and data security policy, atjeremy.dalpiaz@icba.org; or Gary Lynch,ICBA’s retained counsel, at gary@garylynchlaw.com). For banks interestedin joining the suit, contact Lynch directly.Thank you, in advance, for your thoughtful consideration of this request.
Banking Legislation continued from page 3Most notably, the bill will help thawmortgage availability for community bank customers. Mortgage rulesestablished after the financial crisishave made it difficult for communitybanks to loan to customers who do notqualify for a traditional 15- or 30-yearmortgage. This bill will allow flexibilityin working on terms and covenantsconsistent with the customer’s needsAMONG FAVORABLE CONSUMERPROVISIONS CONTAINED IN THE BILLIS A FREE ANNUAL CREDIT REPORTFREEZE FOR CONSUMERS, ESPECIALLYHELPFUL WITH THE SEEMINGLYENDLESS NEWS OF DATA BREACHES,INCLUDING LAST YEAR’S MASSIVEEQUIFAX BREACH.so long as the bank keeps that loan ontheir books, which is common amongcommunity banks. Larger banks, onthe other hand, generally sell the vastmajority of mortgages they originateinto the secondary market.Among favorable consumer provisions contained in the bill is a free annual credit report freeze for consumers,especially helpful with the seeminglyendless news of data breaches, including last year’s massive Equifax breach.I wish I could say these breaches willstop, but sadly that’s just not true.On behalf of community banks andbranches in the Southwest—and thebankers who are committed to seeingtheir towns prosper and customers’dreams come true—I ask you to takea stand with me. The banking industryneeds all the help it can get and thetime is now for all community bankersto engage in the legislative process.We need your help preserving locally owned and controlled independentcommunity banks to sustain and bolstereconomies across the Southwest.Here’s to a great 2018, the passage ofmuch-needed regulatory relief and thestrength of every community we callhome. Great Plains Bank andLiberty Federal Savings Bank to MergeOKLAHOMAIn February, it was announced thatHollis-based LIBERTY FEDERAL SAVINGSBANK has agreed to merge into GREATPLAINS NATIONAL BANK, which will continue as the surviving bank, accordingto a report in The Oklahoman. Directorsof both banks have approved the proposed transaction, which is expectedto close in the second quarter in 2018,subject to regulatory approvals andother conditions.Liberty Federal, established in 1918,has branches in Enid, Stillwater andFrisco, Texas. Great Plains Bank has 17locations in Oklahoma. It also operatesa full-service mortgage company, withloan production offices in Oklahoma,Texas and California.“Liberty Federal is a solid community bank whose markets are a greatfit for us because they have manyagriculture and oil-field service company businesses that we specialize inproviding banking services to,” saysMark Russell, Great Plains Bank CEO.“Over the course of 100 years since thisbank was founded, we have built ourfoundation on serving agriculture andenergy businesses. We have our roots incommunities like these, so we’re excitedfor the opportunity to partner with Enid,Stillwater and Frisco and welcome Liberty Federal’s employees into the GreatPlains Bank family.”Russell says that Doug Parker, president of Liberty Federal Savings Bank,will continue to have a leadership roleafter the merger.Great Plains Bank began 1907—the same year Oklahoma went fromterritory to statehood—as The GrovesNational Bank of Hollis. No detail too small.You’re proud of your bank for good reason—you’vekept your house in order. Our diligent, disciplinedpros can help you reduce risk and boost yourfinancial street appeal so you can grow wisely.Everyone needs a trusted advisor.Who’s yours?bkd.com/fs @bkdFSBankers Digest February 26, 2018 7
Banks Award 32K in GrantFunds to Mississippi Financial Literacy ProgramMISSISSIPPIIn February, Jackson-based TRUSTMARKNATIONAL BANK, STATE BANK AND TRUSTand the FEDERAL HOME LOAN BANK OFDALLAS (FHLB Dallas) awarded 32,000in Partnership Grant Program funds tothe Mississippi Community FinancialAccess Coalition (MCFAC).“Our mission is to serve underbankedand underserved Mississippians and helpthem achieve financial literacy throughaccess to resources such as financialeducation boot camps and more,” saysLatah Holloway, program director atMCFAC. “We’re so thankful for the grantfunds because they will further our reachwithin the community and advance ourmission in a meaningful way.”“The financial literacy workshopsprovided by MCFAC have enabled members of the community to improve theirknowledge of financial tools that canbuild wealth and improve credit scores,”says Christina M. Berry, director of theJackson State University Center for University-based Development.The structure of the Partnership GrantProgram enables FHLB Dallas-memberinstitutions like Trustmark National Bankand State Bank and Trust to make acontribution of 500 to 4,000 to a community-based organization, which FHLBDallas will match at a 3:1 ratio.“The partnership aspect of this grantprogram is unique because it bridges private and public entities for thebenefit of the community,” says SteffaniJenkins, first vice president and directorof community development at Trustmark National Bank.In 2017, FHLB Dallas awarded 300,000 in Partnership Grant Programfunds through 31 member institutionsto assist 30 community-based organizations. Combined with the 104,550contributed by FHLB Dallas members, atotal of 404,550 was awarded to theorganizations.FHLB is one of 11 district banks in theFHLBank system created by Congress in1932. FHLB Dallas, with total assets of 66.4 billion as of September 30, 2017,is a member-owned cooperative thatsupports housing and community development, providing advances and othercredit products to approximately 840members and associated institutions. DESIGN YOUR OWN BANKwww.NorthAmericanBuildings.comCustom Designed BankBuildings To Fit Your NeedsProvide A Design Package(which includes floor plan, plot plan and elevations at no cost)Financial Equipment Package AvailableOver 800 FinancialBuilding Projects Completed800-888-88668 Bankers Digest February 26, 2018ARKANSASSimmons Bank CompletesMerger of Southwest BankPine Bluff-based Simmons First National Corp., parent company of SIMMONSBANK, announced in February that it hadcompleted the merger of its subsidiary,Fort Worth-based Southwest Bank, withand into its main banking subsidiary,Simmons Bank. Southwest Bank will operate as a division of Simmons Bank.“Today marks another milestone forSimmons Bank as our growing footprintnow includes Texas,” says Marty Casteel,chairman and CEO of Simmons Bank.“We are confident this merger willbring long-term benefits to our customers,associates and shareholders by providingmore efficient delivery of our productsand services,” says George A. Makris Jr.,chairman and CEO of Simmons.As of December 31, 2017, SimmonsFirst National Corp. had approximately 15.1 billion in assets, nearly 2,700associates and approximately 200locations in Arkansas, Colorado, Kansas,Missouri, Oklahoma, Tennessee andTexas. Simmons Bank is an Arkansasstate-chartered bank that began as acommunity bank in 1903. AccessBank Texas continued from page 1WILLIAM ROHER joined AccessBankTexas in the fourth quarter of 2017 assenior vice president of commerciallending. He beganhis banking careerwith Bank of Americain 1983 in Dallas.With more than 34years of commerciallending experience,Roher has heldmanagement andROHERlending roles in theDallas area with Wachovia, First UnitedBank and Northstar Bank of Texas. He is agraduate of Southern Methodist University with a degree in business.AccessBank Texas was founded in2006 and has locations in Denton, Dallas and Krum.
OKLAHOMABranchesThe Office of the Comptroller of theCurrency reports that Tulsa-based BOKFNA has opened a drive-through branch420 N. Robinson Ave. in Oklahoma City.The Texas Department of Bankingreports that Dallas-based MAPLEMARKBANK, a unit of Maple FinancialHoldings Inc., has applied to open abranch at 2431 E. 61st St., Ste. 150, inTulsa, Oklahoma.SEND US YOUR BANKING NEWS!Bankers Digest thrives on reporting all the news about banking in theSouthwest. If your company has hired new professionals, promotedcolleagues from within or has any news to share with the Southwestbanking community, we’ll give your bank the coverage it deserves.Let us know at bankersdigest@bankersdigest.com.2017 BIA Mag ad.qxp Bankers Digest Ad 1C 8/31/17 7:10 AM Page 1TEXASMergers and AcquisitionsThe OCC reports that it has receivedan application by Mt. Pleasant-basedGUARANTY BANK & TRUST NA to mergeKaty-based WESTBOUND BANK into aGuaranty Bank & Trust NA.BranchesThe OCC reports that THE FIRST LIBERTYNATIONAL BANK, based in Liberty, hasapplied to open a branch at 15113Merritt Way in Beaumont.The OCC reports that GOLDEN BANK NAhas applied to open a branch at 105 E.Valley Blvd. in Alhambra, California.The Texas Department of Bankingreports that Dallas-based VERITEXCOMMUNITY BANK, a unit of VeritexHoldings Inc., seeks to open a branch at1001 Main St. in Garland.The OCC has approved an applicationby OZONA NATIONAL BANK, based inOzona, to relocate a branch from 141W. Hopkins St. in San Marcos to 1917Dutton Dr., Ste. 205 in San Marcos.The OCC has approved an application byCharlotte, North Carolina-based BANK OFAMERICA NA to open a branch at 4301San Felipe St. in Houston.The OCC reports that Columbus, Ohiobased JPMORGAN CHASE BANK NA hasopened a branch at 4790 W. University Dr.in Prosper.PROVIDING INSURANCE PROTECTIONFOR MORE THAN 30 YEARSFinancial Institution BondDirectors and Officers Liability PolicyCyber Liability/Privacy Breach ResponseCommercial Property, Auto, Worker’s CompensationLender Placed InsuranceMortgage E&O and ImpairmentDebit and Credit Card FraudInsurance Coverage ReviewGroup Health InsuranceInsurance for Your Bank Commercial CustomersProudly endorsed by the Texas, Oklahomaand Colorado Bankers Association800-318-4142INSURANCE@BIA.INSURANCE WWW.BIA.INSURANCEBankers Digest February 26, 2018 9
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By CHRISTOPHER L. WILLISTON Chris Williston is the president and CEO of the Independent Bankers Association of Texas, the largest state community banking association in the nation. It represents 2,000 community banks and branches throughout Texas. BANKS AND CONSUMERS NATIONWIDE WILL BE THE BIG WINNERS AS THE
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