The Texas Bankers Association re-turned to Austin for its 131st Annual Convention on April 15-17 at the brand new 1,012 room JW Marriott in downtown. The convention theme, “On the Horizon,” set the tone for the schedule of events which included informative speakers and breakout sessions, a lively marketplace of nearly 90 vendors, and an emotional Home-s4Wounded Heroes presentation of a check from the Texas Bankers Foundation for financial mentoring. The association’s 127th Chairman John L. Snider, Shelby Savings Bank SSB, Center, turned the Chairman’s gavel over to the 128th Chairman Ken-neth L. Burgess Jr., First Capital Bank

Volume 146, No. 17May 4, 2015 www.bankersdigest.com

(continued on Page 7)

Published weekly on Mondays except fifth Mondays

Midland Banker Burgess Installed as 2015-2016 Texas Bankers Association Chairman

Nash

Kenneth L. Burgess Jr.

Call for Right-Sized Regulatory Framework for Comnunity BanksFeature..............................................3

In This Issue...

Louisiana and Mississippi Bankers to Convene 2015 Conventions at Florida Resorts

Nash Named Pres/CEO, Woodforest NationalRobert E. Marling, chairman/CEO of Woodforest Financial Group Inc., The

Wo o d l a n d s , TX, has an-nounced the board of direc-tors of Wood-forest Nation-al Bank has named Cath-leen (Cathy) Nash as bank p r e s i d e n t /CEO, effective April 16. Nash brings

30 years of banking experience to Woodforest National Bank. She has a strong and successful background in retail and commercial banking, hav-ing most recently served as president/CEO of $9.4 billion-asset Citizens Re-public Bancorp, Flint, MI, which was acquired by First Merit Corp. in 2013. Nash continued with First Merit after the acquisition to assist with the tran-sition and integration. She joined Citi-zens Republic in 2006. Nash is also an active volunteer in the banking industry. She formerly served on the board of directors for the Consumer Bankers Association and as a member of ABA’s American Bankers Council. Woodforest National Bank is a $4.5 billion-asset, privately-owned institu-tion with more than 750 branches in 17 states Q

The Louisiana Bankers Association has set its 115th Annual Convention & Exposition for May 13-15 at the Ritz-Carlton in Naples, FL, while the Mississippi Bankers Association will return to the Sandestin Golf & Beach Resort in Destin for its 127th Annual Convention set for May 13-16. The LBA convention will begin on Wednesday, May 13, with a morn-ing golf tournament, followed by an evening reception in the exhibit hall. The business session on Thursday will include an ICBA update, remarks by technologist Ron Galloway, and morning and afternoon educational concurrent sessions. The day will con-

clude with an “Havana Nights” ban-quet. The Friday general session will feature the installation of LBA offi-cers, ABA update, and two speakers. The MBA convention will begin on Wednesday with an evening open-ing reception. On Thursday morning, the general session is scheduled, fol-lowed by an afternoon trade show and an evening Trustmark National Bank party. Friday activities will include a morning general session, an after-noon golf tournament, and evening cocktail party. The MBA business ses-sion is planned for Saturday morning, followed in the evening by the asso-ciation’s annual banquet Q

of Texas, Midland. Snider moves to immediate past chairman, while Jim

R. Purcell, The State National Bank, Big Spring, becomes vice chairman. Before leaving his Chairman’s role, Snider presented the Chair-man’s Award to Dale Wilson, First State Bank of San Diego. Snider recognized Wilson for his steadfast support of community bank-ing both in TX and in Washington, DC, where in 2014 he testified be-

fore the US House Financial Services Subcommittee on community banking. Chairman Burgess in 1998 helped organize the “new” First National Bank

Page 2 BANKERS DIGEST May 4, 2015

East TX banker, businessman, poli-tician, and conservationist Arthur

“Buddy” Temple III died on April 14 at his home in Lufkin. He was 73. Temple served as chairman of the board of directors for First Bank & Trust East Texas, Diboll, at the time of his death. He

was also a longtime director of Tem-ple-Inland Inc, based in Austin. Temple’s father, Arthur Temple Jr., cofounded the bank’s predecessor, Di-boll State Bank, in 1953. Temple was born in Texarkana,

P E O P L E TEXAS

First B&T East TX Chairman Arthur “Buddy” Temple III Dies

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Herrera

Herrera Is EVP, Others Promoted, PlainsCapital

In This Issue...Call for Right-Sized Regulatory Framework for Community Banks Feature...............................................3

TBA 50-Year Banker Awards........4

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

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

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PlainsCapital Bank, Dallas, has report-ed recent promotions in Lubbock.

Auden Herre-ra has been pro-moted to execu-tive vice president and chief of bank operations. He of-fices at the 50th and University lo-cation. He joined P l a i n s C a p i t a l Bank in 1997. Brenda Gallagh-

er has been promoted to senior vice president and controller. She offices at the 50th and University location. She joined PlainsCapital Bank in 1980. Laura Hood has been promoted to senior vice president in the wealth management division. She serves as operations manager. She offices at the 50th and University location. She joined PlainsCapital Bank in 1997. Leah Corona has been promoted

to vice president and regional opera-tions manager for the bank’s West TX region. Corona oversees operations, sales and service for retail branch lo-cations. She continues to office at the 50th and University location. Corona joined PlainsCapital Bank in 1996. Matthew Willey has been promoted to vice president and senior systems administrator. He offices at the opera-tions center in Lubbock. Willey joined PlainsCapital Bank in 2008. Barbara J. Buckel has been pro-moted to assistant vice president. She serves as accounting manager and of-fices at the 50th and University loca-tion. Buckel joined PlainsCapital Bank in 1999. Jon Gonzales has been promoted to assistant vice president. He serves as treasury management product su-pervisor. He offices at the 4th Street branch. Gonzales joined PlainsCapital Bank in 2010. Taylor May has been promoted to assistant vice president. May serves as branch manager of the Genoa branch at 5821 82nd St. May joined PlainsCapital Bank in 2008. Eric Sansom has been promoted to assistant vice president. He serves as a commercial loan officer at the 50th and University location. He joined PlainsCapital Bank in 2012. Lasey Ashburn has been promoted to bank officer. She serves as a credit analyst at the 50th and University lo-cation. Ashburn joined PlainsCapital Bank in 2013. Brett Hillis has been promoted to bank officer. He is a systems analyst and offices at the operations center. Hillis joined PlainsCapital Bank in 2013 Q

Temple

TEMPLE (continued from above)

AR, and raised in Lufkin. He attended The University of Texas at Austin and served in the US Army as a helicoptor pilot during the Vietnam War era. He served four terms in the TX Legisla-ture, on the Texas Railroad Commis-sion from 1980 to 1986, chairman from 1985-1986, and won many awards for conservation in TX Q

May 4, 2015 BANKERS DIGEST Page 3

Charles G. Cooper, Commissioner of the Texas Department of Banking, in his capacity as vice chairman of the Conference of State Bank Supervisors,

provided testi-mony on April 23 before the Finan-cial Institutions and Consumer Credit Subcom-mittee, Commit-tee on Financial Services, United States House of Representatives

(www.dob.texas.gov/news-and-events). His topic, “Examining Regulatory Burdens – Regulator Perspective,” offered the subcommittee insights into the exam-ining regulatory burdens facing com-munity financial institutions from the viewpoint of the bank examiner. Cooper is uniquely qualified to speak on the indispensable value of commu-nity banks and the regulatory burden for many of the nations’ community banks. He has more than 45 years of experience in the financial services in-dustry – 12 years as an FDIC bank ex-aminer, 26 years as a banker in both community and large banks, and seven years as Texas Banking Commissioner. During his testimony, Cooper dis-cussed the concept of regulatory right-sizing, a process by which state regulators aim to supervise an institu-tion in a manner appropriate for its size, complexity, and risk profile. This article will excerpt some of the key points Cooper offered and spe-cific recommendations for community bank regulatory right-sizing he made. Cooper stated Congress and federal regulators have undertaken measures to provide a right-sized regulatory framework for community institutions. But, there remains a need for a much more comprehensive approach based

F E A T U R E

Testimony byCharles G. Cooper

Banking CommissionerTexas Department of Banking

April 23, 2015

R E G U L A T I O N SCall for Right-Sized

Regulatory Framework for Community Banks

(continued on Page 12)

Cooper

on a common understanding of what constitutes a community bank, not an approach that relies solely on asset thresholds. Cooper said state regula-tors support a “definitional approach” to right-sizing community bank regu-lation. The definitional approach could be used as a basis for a broad range of regulatory right-sizing initia-tives. He offered six characteristics that might help identify community banks. His testimony covered the following key points:

• highlight the importance of com-munity banks and their relationship-lending business model;• the value state regulators bring to their supervised institutions and their local economies;• state regulators’ efforts to right-size regulations for community banks and tackle emerging regulatory challeng-es; and• the condition of state-federal regu-latory coordination. “Regulators must constantly improve

Page 4 BANKERS DIGEST May 4, 2015

P E O P L E TEXAS

Texas Bankers Foundation Honors 12 Bankers at the 26th Annual 50-Year Banker Awards Luncheon in AustinThe Texas Bankers Foundation, the phil-anthropic arm of the Texas Bankers As-sociation, honored 12 bankers with the 50-Year Banker Award during its annual convention on April 17 in Austin. This prestigious award honors bankers with a half century or more of service and dedi-cation to the banking industry. Jerry L. Crutsinger of Richardson was a senior vice president and corre-spondent banker when he retired from Frost Bank in 2013. He has served the community and the banking industry through various affiliations, including correspondent, lending, and presi-dent/CEO. During his career, he also served at United Missouri Bank of Kan-sas City and First City Bank of Dallas. Patsy Dumas of Burleson is a se-nior vice president and member of the board of directors at the First Nation-al Bank of Burleson. She has served in operations, lending, and branch management during her career. She is active in the Burleson community, serving as president of the board for United Cooperative Services and an active member of the Chamber of Commerce and the Rotary Club. William (Bill) H. Ellis of Flower Mound is a director for Ciera Bank, Graham. During his banking career,

he has served with a number of banks and held positions from proof op-erator to CEO and chairman. He has served various civic organizations. Verna S. Fletcher of San Antonio is an executive vice president and Bank Secrecy Act and OFAC compliance of-ficer for Frost Bank in San Antonio. She has served with Frost her entire career; her first position was state-ment clerk in the trust department. Robert G. Greer of Houston is chair-man of the board for Freeport’s Texas Gulf Bank, N. A. During his 60-year ca-reer, he has served with a number of banks in the Houston area, including South Main Bank, Cullen Bank, and Bank of Tanglewood. He has served the banking industry in various posi-tions, including chairman of the Texas Bankers Association and as a director of the Federal Reserve Bank of Dallas. Don Long of Ozona is a director for Ozona National Bank. He joined the bank in 1985 as president/CEO and served in that position until his retire-ment in 2000. He began his 52-year banking career in NM before returning to his home state of TX to serve with banks in Memphis and Seminole. Warren D. Neill of Uvalde is a vice president at First State Bank of Uval-

de, where he has served his entire banking career. He has served the ma-jority of his career in the operations department. He is a longtime mem-ber of the Uvalde Kiwanis Club and has been active in the annual Uvalde County Junior Livestock Show. Dennis Nixon of Laredo is chair-man of International Bancshares Cor-poration, Laredo. He has been instru-mental in the bank’s growth from a one-location bank in 1975 to today’s 211 facilities in TX and OK. He has been involved in many civic activi-ties through the years and received numerous awards and recognitions at the local and state level. Vidal H. Ramirez of Katy is presi-dent of the Katy office of Houston’s Allegiance Bank Texas. He has served with a number of banks in the Hous-ton area during his career, including International Bank, Greater Houston Bank, Unitedbank, and Sterling Bank. He has been active in community or-ganizations, currently serving as the chairman of the board for Methodist Hospital-West Houston Campus. Winston Rosenbaum of Burton has served with the same bank his entire career, though the bank did change its name from The Farmers National Bank in Brenham to The Brenham Na-tional Bank. He has received the Br-enham Banner Press’ Favorite Teller of the Year Award twice. He has been active in his community and church. Fredrick M. Smith of Austin cur-rently serves as a director for TIB-The Independent Bankers Bank, Dallas. He began his full-time career at Citi-zens National Bank of Waco, progress-ing from clerk to controller. In 1976, he joined Community State Bank of Waco, which later became Commu-nity Bank & Trust; he served as presi-dent/CEO from 1988 to 1999. He also served as president/CEO of the Texas Bankers Association for 10 years. Jack Thompson of Houston is an executive vice president at Commu-nityBank of Texas in Houston. During his 52-year career, he has served with a number of Houston area banks, pri-marily as a correspondent banker and lender. He has also served on the Tex-as Bankers Association’s Government Relations Council Q

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Page 6 BANKERS DIGEST May 4, 2015

Citizens National Bank (CNB), Hen-derson, has announced that Michael

Moores was elect-ed to the bank’s board of directors. Moores, executive vice president and chief lending of-ficer at CNB, will become its twelfth board member. “Michael has spent his entire

professional career with CNB and has consistently shown outstanding lead-ership and results in every role,” stated Brad Tidwell, president/CEO of CNB. Moores has served with $1.7 bil-lion-asset CNB for more than 20 years. He brings extensive lending and over-all banking experience to the board. He actively manages all lending initia-tives for CNB, and has provided inno-vative leadership and input to lines of business bankwide. He is involved in the community, serving as treasurer for the Henderson ISD Education Foundation. Moores serves the banking industry on the board of directors for the Inde-pendent Bankers Association of Texas (IBAT) and is current chairman of the IBAT Leadership Division. He is a graduate of The University of Texas at Austin, SWGSB at SMU at SMU, ABA Commercial Lending Graduate School and the ABA Graduate School of Bank Investments and Financial Manage-ment, and is a CPA Q

P E O P L ETEXAS OKLAHOMA

Moores Douglas

Moores Elected Director, Citizens National Henderson

Douglas Joins Bank SNB & Southwest Bancorp Boards

Conn Will Not Seek Seat For OK Banking Department

ARKANSAS

First State Bank of De Queen Reports Executive Changes

First State Bank of De Queen has re-cently announced changes in the or-ganizational structure and managment team at the 40-year old bank. President/CEO Gary L. Golden will now serve as CEO and vice chairman of the board of directors. Golden has served as president/CEO since 2001. Noel Bard was named president of the Sevier County Division. He previ-ously served as executive vice presi-dent and loan officer in De Queen. The Sevier County Division includes two offices in De Queen and one in Lockesburg. J. Marc Jackson was named presi-dent of the Pike-Howard County Di-vision. He previously served as SVP and branch manager in Dierks. The Pike-Howard County Division includes offices in Dierks, Murfreesboro, and Nashville. Angie Walker of De Queen was elected to the board of directors. She is chair person and manager of the Walker family practice and allergy clin-ic in De Queen Q

The Oklahoma Banking Department reluctantly announced on April 20 that board member Chris Conn has decided not to seek reappointment for a fourth term as a member of the Okla-homa Banking Board. Conn’s current term ends on June 1, 2015. Conn was first appointed to the board in 1997 by Gov. Frank Keating. He was reappointed in 2003 and 2009 by Gov. Brad Henry. In honor of Conn’s service to the state, Commissioner Mick Thompson presented him with a Proclamation and an eagle statuette. Commissioner Thompson and the Banking Depart-ment personnel thanked Conn for his outstanding contributions and efforts on behalf of the banking community in the State of Oklahoma. His service and dedication to the industry will be greatly missed Q

Bank SNB and its NASDAQ-listed parent Southwest Bancorp Inc., both

of Stillwater, an-nounced the election of Pa-trice Douglas of Edmond to the board of directors for both entities, effective April 22. An OK na-tive, Douglas has served as an at-

torney in private practice (now of counsel at Latham Wagner Steele and Lehman), worked as general counsel for a family business, served in the public sector as mayor of Edmond and on the Oklahoma Corporation Commission, and has served in the OK banking industry. She is a graduate of Oklahoma Christian University and earned a law degree from the University of Okla-homa. She served in a practice of law for 13 years before joining her family’s business, ACP Sheet Metal, where she served as vice president and general counsel for five years. Douglas has since served in bank-ing as president of the greater Okla-homa City metro market at Spirit-Bank, executive vice president of First Fidelity Bank, and a member of the community board for Arvest Bank. Her other board of director mem-berships include Avondale Acquisi-tion Corp., ACP Sheet Metal Compa-ny, and UR Special Ministries Q

May 4, 2015 BANKERS DIGEST Page 7

WestStar Bank, El Paso, has grown steadily since its founding on May 1, 1990, when a group of vision-ary leaders began operating what was then known as Bank of the West. Starting with only 13 staff members working from one El Paso location, the bank now has over $1 billion in assets, in addition to $400 million in assets under manage-ment through its Wealth Management Division. Today, WestStar Bank has grown its family to over 225 employ-ees, working in 10 banking centers throughout the greater El Paso and Las Cruces, NM, metropolitan areas. “As we reflect on the past quarter cen-tury, WestStar Bank’s greatest successes have been our customers’ successes. Whether it’s helping local families or businesses, volunteer groups, and other community organizations, we’re privi-leged to have played a part in them all,” said L. Frederick “Rick” Francis, West-Star Bank Executive Chairman. “Over the years, we’ve grown and adapted to meet our customers’

N E W S W A T C HTEXAS

Patton

WestStar Bank, El Paso, Celebrates 25 Years of Service With Assets in Excess of $1 Billion and 10 Banking Centers

Guaranty Bancshares Inc., Mount Pleasant, has acquired Texas Leader-ship Bank, Royse City. The transaction received the corporate approval of the parties and applicable regulatory agencies, as of April 20, according to Commerce Street Capital (www.cstreet-cap.com), the Dallas-based financial advisor to Texas Leadership Bank. Guaranty Bancshares’ subsidiary Guaranty Bank & Trust, N. A., (“Guar-anty”) is a $1.3 billion bank with 23 lo-cations across 16 TX markets, includ-ing the Dallas Metroplex. Texas Leadership Bank is a $70.2 million bank headquartered in Royse City, about 30 miles east of Dallas on I-30. The bank was established as a de novo in 2006 and operates one location in Rockwall County Q

Guarany Bancshares Closes Texas Leadership Acquisition

changing financial needs, but we’ve never lost sight of the personal touch and local service that is at the heart of community banking,” said Larry L. Patton, WestStar Bank President/CEO. “Our commitment to our customers has certainly helped us reach this his-toric milestone, but we wouldn’t be here today without the support of the community.” Patton started with Bank of the West as an initial organizer and ex-ecutive vice president in 1990, and was named president/CEO and direc-tor in 1999. His background includes executive positions with other El Paso banks, service on the Dallas Fed’s El Paso Branch board, and as OCC na-tional bank examiner. Since first opening its doors, West-Star has been involved in supporting the region in many ways, including joining not-for-profit organizations, participating in local events, and mak-ing charitable donations. In 2014, bank employees served on over 95 boards and committees of nonprofit and civic organizations and partici-pated in a wide range of community betterment efforts and philanthropic causes throughout the El Paso and Las Cruces area Q

C

M

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CM

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David Kinard Integrity May 14 4C.pdf 1 10/30/14 12:47 PM

of Midland, now First Capital Bank of Texas, where today he serves as chair-man of the board of directors. He be-gan his career at the “original” First National Bank of Midland after gradu-ating in 1978 from Texas Tech Univer-sity. He has also served with banks in Midland, Waco, and Abilene. In his Chairman’s address, Burgess talked about leadership, specifically about the need for leadership in the banking industry. He reminded the audience the future of banks’ leaders will come from mentoring the young generation of bankers in the industry. He said one of his goals for his term as Chairman is the establishment of a mentorship program at the TBA. He has asked David Lacy, CEO of Com-munity Bank & Trust in Waco, to lead a committee for this project. Burgess concluded his remarks with this chal-lenge: “ now is our time to lead.” On April 16, the Texas Bankers Foundation, the charitable arm of the TBA, donated $20,000 to the Homes-4WoundedHeroes program of the Mili-tary Warriors Support Foundation to-ward three years of family and financial mentorship for Jason Livingston and his family. Livingston is retired from the US Army and a wounded veteran who was deployed to Iraq and Afghanistan Q

TBA CHAIRMAN (continued from Page 1)

Page 8 BANKERS DIGEST May 4, 2015

For the second year in a row, Raymond James Financial Inc., based in St. Pe-tersburg, FL, has named MidSouth Bank, N. A., Lafayette, one of the top community banks in the country. The financial services company an-

nounced in late March that Mid-South Bancorp, Inc., parent com-pany of MidSouth Bank, is among 31 community banks in the country to receive its pres-tigious Commu-nity Bankers Cup

award for 2014. The recognition ranks MidSouth Bank among the top 10% of the nation’s publicly-traded banks with assets of between $500 million and $10 billion. “To be named to this list two years in a row is a testament to our strength and stability as a community bank with deep local roots and a strong commitment to our customers and communities,” MidSouth Bank Presi-dent/CEO Rusty Cloutier said in an-nouncing the award. In developing the list, Raymond James (www.raymondjames.com) exam-ined 306 banks and identified 31 to receive its Community Bankers Cup based on six financial performance and stability measures, including nonperforming assets to loans and real estate owned, five-year average core deposit percentage, net interest margin, efficiency ratio, return on av-erage assets, and return on average tangible common equity. MidSouth Bank, which reported $1.9 billion in assets as of December 31, 2014, ranked No. 12 overall, and was one of only three Southwest banks to make the list Q

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OKLAHOMA LOUISIANAQuail Creek Bank Ranked In Top Community Banks

MidSouth Receives Award, Community Bankers Cup

Cloutier

Quail Creek Bank, N. A., Oklahoma City, has been named by Seifried & Brew LLC, a community bank strategy and risk management firm based in Bethlehem, PA, to its 2014 Top 15th Percentile of Community Banks. To gain entry into this distinguished ranking, the Quail Creek Bank demon-strated exemplary performance of bal-ancing risk and reward based on the bank’s S&B Total Risk/Return Com-posite Ranking. Quail Creek Bank reported total as-sets of $575 million at yearend 2014 For more information about the ranking, visit: wwwseifriedbrew.com Q

The First National Bank of Skiatook building at 123 E. W.C. Rogers Blvd. in Skiatook has been selected for the National Register of Historic Places, according to The Journal Record. The bank building was one of two Tulsa County historic sites and among five OK properties nominated for in-clusion in the register of historic places. The bank was significant for its role in commerce as well as for its building’s Classical Revival architec-tural style, according to the Oklahoma State Historic Preservation Office. Founded in 1904, the bank was the first bank in Skiatook. The build-

ing was erected in 1911 to house the bank's expanding operations. Current-ly vacant, the building later housed an auto parts business and recently the Bank Shots Sports Grill. The bank is now part of American Bank of Okla-homa, Collinsville Q

SKIATOOK (continued from above)

Skiatook Bank BuildingSelected for National Register

May 4, 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 yArizonaMERGERS AND ACQUISITIONS The OFFICE OF THE COMPTROL-LER OF THE CURRENCY has filed an intent not to disapprove an applica-tion by Judith A. Lynn, Melissa Ann Settle, Randall Scott Lynn, and Susan Marie Lynn for a change in bank con-trol involving Republicbankaz, N. A., Phoenix. The FEDERAL RESERVE BANK OF SAN FRANCISCO has received an application by Western Alliance Ban-corporation, Phoenix, to merge with Bridge Capital Holdings, and thereby indirectly acquire its subsidiary bank, Bridge Bank, National Association, both of San Jose, CA; 2) Western Al-liance Bank, Phoenix, to merge with Bridge Bank, National Association, San Jose, CA, with Western Alliance Bank as the surviving entity; and 3) Western Alliance Bank, Phoenix, to ac-quire one branch office of Bridge Bank, National Association, San Jose, CA.BRANCHES The OCC has approved an appli-cation by U.S. Bank, N. A., Cincinnati, OH, for branch at 4329 W. Northern Ave., Glendale.LouisanaBRANCHES The OFFICE OF FINANCIAL INSTI-TUTIONS has approved an applica-tion by First NBC Bank, New Orleans, for a branch at Tract B-3, 1200 block of Saint Charles St., Houma. The OFI has approved applica-tions by IBERIABANK, Lafayette, for branches: 161 3rd St., Ste. 100, Baton Rouge, and 1409 Oretha Castle Haley Blvd., Unit A,, New Orleans. The OFI has approved an applica-tion by Community Trust Bank, Chou-drant, for a branch at 1702 Fountain View Dr., Houston, TX. The OFI has filed/approved an ap-plication by Crescent Bank & Trust Company, New Orleans, for a branch relocation: from 1000 Veterans Me-morial Blvd., Ste. 100, to 2201 Veter-ans Blvd., First Floor, both locations in Metairie.

MERGERS AND ACQUISITIONS The OFI has filed an application for a proposed merger of State Investors Bancorp Inc., Metairie, with and into First NBC Bank Holding Company, New Orleans, and immediately there-after, merge State-Investors Bank, FSB, Metairie, with and into First NBC Bank and to establish the exist-ing offices of State-Investors Bank as branches of First NBC Bank.OklahomaBRANCHES The OKLAHOMA STATE BANK-ING DEPARTMENT has received an application by InterBank, Oklahoma City, for a merger of Vintage Bank, Waxahachie, TX, with and into Inter-Bank and to operate a branch at 300 N. Hwy. 77, Waxahachie. The OKSBD has received an ap-plication by All America Bank, Okla-homa City, for a merger of Southwest State Bank, Sentinel, with and into All America Bank and to operate a branch at 122 E. Main St., Sentinel. The OKSBD has received an appli-cation by All America Bank, Oklahoma City, for a merger of Bank of the Wichi-tas, Snyder, with and into All America Bank and to operate a branch at 623 E. Street, Snyder.TexasBRANCHES The TEXAS DEPARTMENT OF BANKING has received an applica-

tion by Frost Bank, San Antonio, to re-locate a branch from 2727 N. Harwood St. to 2950 N. Harwood St., Dallas. The FRB OF DALLAS has received an ap-plication for a branch at 159 W. Main St., Lewisville. The OCC has received an applica-tion by Washington Bank, N. A., Se-attle, WA, for branch relocation: from 7001 Preston Rd., Ste. 110, to 5430 LBJ Fwy., Ste. 100, Dallas.MERGERS AND ACQUISITIONS The OCC has received an appli-cation by First Financial Bank, N. A., Abilene, for a merger with First Bank, N. A., Conroe, with First Financial Bank, N. A., the resultant institution. FRB OF DALLAS has received an application by First Financial Bank-shares Inc., Abilene, to acquire by merger 100% of the outstanding com-mon stock of FBC Bancshares Inc., and therefore, indirectly, First Bank, National Association, both of Conroe. The TXDB has received an applica-tion by Texas Bank and Trust Compa-ny, Longview, for a merger with Vision Bank-Texas, Richardson. The FEDER-AL DEPOSIT INSURANCE CORPO-RATION has received an application for this merger Q

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OK: First Texoma National Bank is seeking a lender with a minimum combined experience of 3-5 years in agricultural and small commer-cial loans. Have the willingness to live in a small town environment. Must be able to show experience in underwriting without a scoring system. Must have a proven track record of strong credit, collection, and management skills, as well as marketing and community partici-pation. The right candidate must be willing to relocate to Boswell, OK. Please send resume and salary requirements to Art Stauffer, P.O. Box 309, Durant, OK 74701. EOE.

Prosperity Bank, a $21B institution headquartered in Houston, is look-ing to expand the Internal Audit de-partment with positions throughout Texas and OK. We have the follow-ing opportunities available: COM-PLIANCE AUDITOR, IT SENIOR AUDITOR, SENIOR and INTERNAL AUDITOR positions (financial/op-erational). Please see prosperity-bankusa.com under Careers for details and locations. AA/EOE/Vet-erans/Disabled employer.

HAPPY STATE BANK, a $2.5 billion bank in West Texas, is seeking a CRA and FAIR LENDING OFFICER. Successful candidate will have a four-year college business-related degree, a minimum of 2 year’s CRA/Fair Lending Officer/Management experience (preferably at a large

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SENIOR COMMERCIAL LENDER needed for a bank in Hansford County, TX. Must have over 8+ years experience. Path to Bank President. Call Elizabeth at 214-515-7609 or send resume to Eliza-beth@babich.com

MANAGEMENT SUCCESSION: New Mexico Community Bank seeks gen-eralist lender to eventually become President. Candidates with small-town backgrounds from NM or West Texas preferred. Mark Mitchell, Lone Star Search, 972-335-9009, lonestarsearch.net

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May 4, 2015 BANKERS DIGEST Page 11

bank), with advanced knowledge and understanding of CRA & Fair Lending laws, regulations, regula-tory guidance, and expectations and examination standards. Please complete an application and submit a resume at www.happybank.com.

LOAN PRODUCTION OFFICE PRES-IDENT: Spirit of Texas Bank is one of the fastest growing community banks in Texas. We expanded into the Dallas/Fort Worth market by opening two Loan Production Of-fices in 2011. In 2013 we opened branches in Ft Worth and Dallas and purchased Peoples Bank in Colleyville/Grapevine. We are searching for our AUSTIN and SAN ANTONIO MARKET PRES-IDENTS TO START A LOAN PRO-DUCTION OFFICE, build a lend-ing team, drive loans and deposits and expand our presence in those areas. We need a banking profes-sional who exhibits leadership and has strong production capabilities. Please contact Heather Greenlee at hgreenlee@spiritoftexasbank.com if this opportunity meets with your career objectives.

Valley Bank of Commerce is seek-ing A PROGRESSIVE INDIVIDUAL TO ADD TO MANAGEMENT for a long term career opportunity. Many benefits are included. Please send your resume to P.O Box 2015, Ro-swell, NM 88202-2015.

EXECUTIVE FOR PRESIDENT OF BANK: Bank near Houston seeks an experienced executive for the position of Bank President with the ultimate promotion to CEO for the right candidate. The success-ful applicant for this position must have an excellent academic re-cord, a sound lending and market-ing background, and the desire to become both a leader of the bank and a leader in the community. No agencies. Send resume to Dr. James Bexley, jbbexley@shsu.edu,

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COMMERCIAL LENDING MARKET LEADER needed for multiple Texas markets. Vibrant Community Bank adding leadership talent in the fol-lowing locations: Houston/Tomball, League City, N. Dallas-must be lo-cal and extensive network, Ker-rville, Hill Country. Candidate will bring a strong achieving career of 10 - 15 years and strong ties to small communities. Apply with re-sume reference CML. Kim.Kreps@JMFA.com

TEXAS REGIONAL SALES DIREC-TOR needed for top financial con-sulting firm. Requirements: re-lationship management, energy, 10 years of experience selling to banks, Operations knowledge, in-terpreting financials and ability to align solutions from product line. Houston Based, travel up to 75%. Apply with resume referencing 405. Kim.Kreps@JMFA.com

LOAN PROCESSOR/OPERATIONS; Prosper, TX; Prepare loan docu-mentation for new loans & modifi-cations on Commercial, Real Estate & Consumer loans. Must have per-sonally prepared loan documenta-tion experience. Candidate should have at least three years of experi-ence and be knowledgeable in real estate and C&I lending. Jack Hen-ry & Laser Pro experience a plus. Review daily reports for processing and tracking exceptions. Send re-sume to dblohm@bankprosper.com

CONTROLLER needed for $900MM community bank in Lubbock, TX. Supervisory experience and CPA preferred. Must have previous Ac-counting experience. Qualified ap-plicants can find more information at www.lubbocknational.com/ca-reers.php EOE/AA

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Page 12 BANKERS DIGEST May 4, 2015

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the way we conduct supervision to en-sure a balanced approach,” said Coo-per. “Many times it is not the law or the regulation itself that creates excessive regulatory burden, but the interpreta-tion and the supervisory techniques utilized. One-size-fits-all supervision that has unintended negative conse-quences should be curtailed.” Cooper believes “that finding a right-sized regulatory balance does not necessarily mean fewer regulations, but rather means that regulations are appropriately targeted, properly bal-anced, and prudently implemented.”

He offered the subcommittee spe-cific recommendations for community bank regulatory right-sizing:• study risk-based capital for smaller institutions;• mortgage rules should better reflect the realities of community bank port-folio lending–qualified mortgage status for mortgages held in portfolio, improv-ing the CFPB’s rural designation pro-cess, and tailor appraiser qualifications for 1-4 family loans held in portfolio;• fair lending supervision must ac-knowledge the community bank busi-ness model;

• the application process for community banks must reflect the business model;• federal regulatory agency leadership should include state supervisory rep-resentation; • practical privacy policy notice re-quirements; and• improvements to the Call Report. “Regardless of charter or agency, we are all in this together,” said Coo-per. “We are stewards of the entire fi-nancial services ecosystem. We must ensure that sound judgment and ap-propriate flexibility are central to our supervisory approach.” Q

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