The Independent Community Bankers of America® (ICBA) announced that

Christopher Palmer, presi-dent and chief o p e r a t i o n s officer of Pio-neer Bank in Roswell, NM, is the Western region winner of the asso-ciation’s 2017 C o m m u n i t y Banker of the

Year award. This annual award recog-nizes the exceptional work and com-mitment of individual community bankers and their dedication to local communities. ICBA Chairman Scott Heitkamp, president/CEO of ValueBank Texas in Corpus Christi, made the announce-ment. Palmer leads a weekly business plan review meeting to address areas of concern and set business goals. “Christopher is a visionary who is con-stantly striving for excellence,” said the Pioneer Bank employee who nom-inated Palmer for the award. “People are so proud to be a part of Pioneer Bank, and it is a direct reflection on Christopher’s leadership.” Palmer also is a strong propo-nent of cultivating talent in the bank.Palmer volunteers his time for worthy causes in his communnity Q

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cently joining two diverse groups of community bankers in a meeting with President Trump, and a meeting with

Treasury officials, to dis-cuss the impact of current regulations on community banks. Burgess previously served as chairman of the Texas Bankers Association and the Midland Cham-ber of Commerce. He has also served as chairman of ABA’s Community Bankers Council and as the first chairman of the ABA En-

dorsed Solutions Banker Advisory Council.

In addition to his extensive back-ground in financial services, Burgess serves as a board member of the South-western Graduate School of Banking and previously served as chairman of the Rawls College of Business advisory board at Texas Tech University. Burgess received a bachelor’s de-gree in accounting from Texas Tech University Q

Kenneth L. Burgess Jr. has been elected chairman of the American Bankers Association for the 2017-2018 association year. Bur-gess is also the chair-man of FirstCapital Bank of Texas, a locally-owned and managed in-dependent community bank, currently holding more than $1 billion in assets in Midland, TX. Burgess began his banking career at First National Bank of Mid-land in Texas. He con-tinued to build upon that foundation at United Bank in Midland and Texas Na-tional Bank of Waco. After several years as a bank execu-tive, Burgess formed in 1998 First Na-tional Bank of Midland — now known as FirstCapital Bank of Texas — the bank he now chairs. Burgess has served as an advo-cate for the banking industry on both a state and national level, most re-

Hill

Palmer Western ICBA Banker of the Year

Palmer

Ken Burgess

Hurricane Harvey Damages Safe Deposit VaultsFeature..............................................3

In This Issue...

Published weekly on Mondays except fifth Mondays

November 6, 2017 Volume 151, No. 17

Burgess Elected ABA 2017-2018 Chairman

PlainsCapital Bank, Dallas, TX, has promoted Chad Hill to senior vice

president, real es-tate lending man-ager at the 50th and University lo-cation in Lubbock. In his new role, Hill is respon-sible for growth of PlainsCapital’s commercial, in-dustrial, and in-

vestment real estate loan portfolio for the Lubbock market.

Hill and Wade Promoted at PlainsCapital Bank

Wade

In addition, Matthew Wade was recently promoted to senior vice pres-

ident, consumer lending manager. He is responsible for overseeing consumer loan applications for P la insCapita l ’s Lubbock, Fort Worth, Dallas, Austin, and San Antonio markets.

He also manages a commercial loan portfolio for the Lubbock market Q

Page 2 BANKERS DIGEST November 6, 2017

P E O P L E TEXAS

ABA Elects Officers and Board for 2017-18

Bankers Digest®

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(USPS 041180)Published weekly on Monday except fifth Mondays

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

Texas 75374--3006

In This Issue...

Hurricane Harvey Sends an Unwelcome Reminder Feature..............................................3

Newswatch....................................7-8

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

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

The leadership of Lubbock-based Centennial BANK has announced

the recent hiring of Tanya Miller as executive vice president and chief credit offi-cer. She will office out of the bank’s corporate loca-tion in downtown Lubbock and will manage the bank’s credit policies,

procedures, and processes. A passionate advocate of commu-nity banking, Miller has been a rising star at the Texas Department of Bank-

Miller

ing for well over a decade out of both the Lubbock regional office and the commissioner’s office in Austin. “Her background, experience, and Texas roots make her a natural to lead our bank into the future,” said Gregg Ap-pel, president/CEO of Centennial BANK. Born and raised in rural North Texas, Tanya earned a BBA degree in finance and business economics at Texas Tech University. She began her professional career in banking at PlainsCapital Bank, another commu-nity bank where she gained experi-ence and knowledge related to bank operations. She joined the Texas De-partment of Banking in 2004 where

Miller Named Executive Vice President and Chief Credit Officer, Centennial BANK Lubbock

she progressed through the ranks and was commissioned by the Texas Department of Banking as a financial examiner and promoted to senior fi-nancial examiner/review examiner. She graduated from the Southwestern Graduate School of Banking (SWGSB) at SMU with distinction and recogni-tion for leadership in 2014. After spending many years in Aus-tin with the Texas Department of Banking, Miller is moving back to Lub-bock with her family. She will serve on the bank’s board of directors as well as the executive leadership team Q

Members attending the American Bankers Association’s annual conven-tion in Chicago have elected new ABA officers and directors to serve along with newly elected chairman Ken Bur-gess on ABA’s board for the 2017–2018 association year. The new officers are: chairman-elect: Jeffrey M. Szyperski, chair-man, president and CEO, Chesapeake Bank, Kilmarnock, VA; vice chairman: Laurie Stewart, president and CEO, Sound Community Bank, Seattle, WA; and treasurer: George W. Hermann, president & CEO, Windsor Federal Savings, Windsor, CT.

Beginning new terms on the ABA board are: Stacey J. Bentley, presi-dent and CEO, Community Bank and Trust Company, Waterloo, IA.; Jill Castilla, president and CEO, Citizens Bank of Edmond, Edmond, OK; W. Wesley Hoskins, president and CEO, First Community Bank, Corpus Christi, TX; D. Bryan Jordan, chairman, presi-dent and CEO, First Horizon National Corporation, Memphis, TN; Andrea B. Smith, chief administrative officers, Bank of America, Charlotte, NC; and E. Philip Wenger, chairman, presi-dent and CEO, Fulton Financial Cor-poration, Lancaster, PA Q

November 6, 2017 BANKERS DIGEST Page 3

F E A T U R E

ByDavid P. McGuinn, President

Safe Deposit SpecialistsHouston, Texas

DISASTER RECOVERY

Hurricane Harvey Sends an Unwelcome Reminder

(continued on Page 11)

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Hurricane Har-vey reminded us that no institu-tion is immune to vault flooding and its devastat-ing effects. Several financial institu-tions in the storm ravaged areas re-ported damage to

their safety deposit facilities. Once again we see that our financial insti-tution must have a written Flooded Vault Disaster Recovery Plan in place, which specifically details procedures for a fast, effective response to any flood disaster. Because the first reaction of many box renters whose valuables reside in a damaged safety deposit vault is to rescue their possessions, it is the responsibility of the bank to enforce safety precautions. Most box renters are oblivious to the levels of contami-nation present in floodwaters. Your box renters must be made aware of these dangers and then given assur-ance that your institution is doing everything possible to protect and re-claim their boxes. At the same time, the institution must protect all recov-ery workers and box renters alike from contact with harmful pollutants. You must tell these renters to Be Patient. With circumstances this dire, there is no “quick fix”.Flood water contamination.After Hurricane Katrina, one security officer shared a frightening experi-ence that underscores the contamina-tion threat. Without wearing protective breathing masks, rubber gloves, or pro-tective clothing, ten employees were sent into a flood-stricken vault to re-trieve a significant cash reserve. Twen-ty-four hours later, four of them were rushed to the hospital suffering from respiratory distress. X-rays revealed black spots on the employee’s lungs.

Government test results by the EPA and the Center for Disease Control indicate that most flood waters con-tain bacteria associated with sewer water, sludge, and petrol-chemical toxins at ten times the accepted lev-els, and levels of E.coli bacteria have been one million times greater than levels found in chlorinated water. Un-fortunately during Hurricane Harvey, two people died after wading through waist deep water contaminated with flesh-eating bacteria which entered their body through open cuts. These troubling statistics indicate a contamination situation so serious that relocation of safe deposit boxes to a safer remote area may be neces-sary.

Actions needed before and after a flooded vault disasterThe following information responds to the top ten questions with condensed explanations of procedures that should be followed. Visit www.sdspec.com for additional details included in disaster recovery publications.

Q. What should be done when a flood is forecast?A. Stay calm and don’t panic. Research evacuation routes, purchase a weather band radio with extra batteries, secure the vault, and take all necessary steps to prevent water from entering this area. Train your personnel to avoid us-ing terms such as “waterproof” when describing your safe deposit vault.Q. What types of legal assistance and documents should be obtained?A. Contact your attorney, insurance agent, and security company to pre-pare legal affidavits, review current insurance coverage, and provide ad-equate vault and facility security. Cau-tion all personnel to be very careful when answering a renter’s legal, insur-ance and security questions.Q. After floodwaters recede, what should be done? A. Tell your renters to be patient! Health and legal concerns must be ad-dressed immediately before anyone is allowed inside the flooded vault area.

David P. McGuinn

Page 4 BANKERS DIGEST November 6, 2017

Lydia Gonzales joined The First Na-tional Bank of Beeville in the San An-

tonio market. Gonzales has over 20 years of banking experi-ence in San Anto-nio. She has held various positions throughout her career, including market executive, regional sales m a n a g e m e n t ,

business development, and senior level commercial lending. In partic-ular, she has developed valuable skill in assisting high net worth business clients in the South Texas Region. Gonzales is a native of San Antonio and currently sits on the board of RMA Women in Finance. Her involvement in the community has included organiza-tions such as the Hispanic Chamber, North Chamber, Greater San Antonio Chamber, Commercial Real Estate for Women, CCIM, and the Bexar County Medical Society. The bank primarily serves Bee, De-Witt, Comal, Guadalupe, Corpus Christi, Bexar, New Braunfels, and the surrounding Texas counties Q

P E O P L E TEXAS

Gonzales Joins First NB of Beeville in San Antonio

Gonzales

Community National Bank, Midland, has announced the appointment of

Jay Sudderth as senior vice presi-dent and Dallas market president. He will have re-sponsibility for leading the bank’s expansion into the DFW Metro-plex. Sudderth’s twenty-plus year

banking career includes experience developing outreach efforts for banks

of all sizes and managing small and middle mar-ket commercial portfolios. Sud-derth holds a BBA degree with a ma-jor in finance from Baylor University. He is a graduate of the Southwest-

ern Graduate School of Banking at SMU and has attended several execu-tive education sessions at Columbia

University and the University of Chi-cago Booth School of Business.

Harlton Hemphill has recently joined Community Na-tional as a vice president in the lending depart-ment. He has extensive com-mercial and in-dustrial lending

experience and is credit risk certified with the RMA. He has 27 years of com-mercial banking experience in San An-tonio and Houston. Hemphill graduated from Baylor University with a BA degree in eco-nomics and earned an MBA degree from Tne University of Texas at Austin. Amber Garlock has been promoted to assistant vice president. She gradu-ated from The University of Texas of the Permian Basin with a BBA degree in finance along with an energy busi-ness certification. She has served with Community National Bank for three years, originally as a credit analyst Q

Sudderth

Garlock

Hemphill

Community National Bank, Midland, Names Sudderth, Hemphill, and Garlock

Dallas-based Texas Capital Bank an-nounced three executive appoint-ments. John Sarvadi, Mark Johnson, and Jim Recer have been appointed to the new role of managing director-region-al and specialty banking. Sarvadi had been responsible for corporate banking in Houston as well as asset-based lending and retail fran-chise finance nationally. Johnson, based in San Antonio, had been responsible for oversight of the Austin, Fort Worth, and San Anto-nio offices as well as commercial real estate and builder finance statewide. Jim Recer, based in Dallas, previ-ously led U.S. corporate coverage at BBVA Compass in Houston Q

Sarvadi, Johnson, and Recer Named Managing Directors

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November 6, 2017 BANKERS DIGEST Page 5

P E O P L E TEXAS

The Independent Bankers Associa-tion of Texas recently honored Scott Heitkamp, presi-dent and chief ex-ecutive officer of ValueBank Texas in Corpus Chris-ti, with the IBAT Chairman’s Award. He received the prestigious award on October 2 dur-ing IBAT’s 43rd An-nual Convention held in Austin. The IBAT Chairman’s Award is the association’s highest honor, selected solely at the discretion of the IBAT chairman. It is presented to an indi-vidual who has made an extraordinary contribution to the community bank-ing industry, going above and beyond the call of duty. When considering a handful of strong candidates, Heit-kamp was the only choice for 2016-17 IBAT chairman Darla Rooke, presi-dent and chief executive officer of Junction National Bank in Junction. Rooke gave a fitting introduction when she presented Heitkamp with the award by saying, “It was an easy decision for me this year as I have se-lected not only one of IBAT’s leading supporters and advocates but also someone who does so much for the community banking industry across the country.” Heitkamp has served in numer-ous IBAT leadership roles, including IBAT chairman, which his father also held. He was the first second-genera-tion banker to be elected to this high honor. Other roles he has held include IBAT Leadership Division Chairman, chair of various IBAT committees; he has served as an integral member of IBAT’s Strategic Planning Committee and a member of the IBAT Services board. He has also served as an ad-visory director for the Texas Tech Uni-versity Banking School. In addition, Heitkamp’s bank was one of the original founders of the IBAT Education Foundation and a charter contributor to promoting fi-

nancial literacy education in high schools across Texas. His bank has also been a major contributor to IBAT’s political action committee ev-ery year for the past 25 years. Set on making a difference at the federal level, Heitkamp currently serves as 2017-2018 chairman of Inde-pendent Community Bankers of Amer-ica—only the fourth Texan to lead the national association in its history. He is also a member of the Bank Services, Nominating and Policy Development Committees, as well as former chair-man of ICBA’s Federal Delegate Board. Despite the recent damage to several of his bank branches from Hurricane Harvey—and while focusing on help-ing displaced employees—he still managed to fulfill his commitments to testify in Washington, DC, and key-note several ICBA events. Heitkamp is also very involved in his local community, having previous-

Heitkamp

ly served as chairman of the Driscoll Hospital Development Foundation Board, chairman of the San Patricio County Economic Development Cor-poration, and president of the Aran-sas Pass Rotary Club. He currently sits on the board of the Texas State Aquarium. Heitkamp is a graduate of Texas Tech University with a finance degree. In his rare spare time, he enjoys hunt-ing and golfing. He is devoted to his wife, Carrie, and their two children, Hailey and Andrew. Austin-based IBAT represents more than 2,800 independent banks and branches in 700 Texas communities. For more information about the Chair-man’s Award and IBAT, please visit www.ibat.org Q

IBAT Honors Heitkamp with 2017 Chairman’s Award at 42nd Annual Convention in Austin

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Page 6 BANKERS DIGEST November 6, 2017

P E O P L E

Shreveport-based Home Federal Bank (“HFB”), a wholly-owned subsidiary of Home Federal Bancorp Inc. of Loui-siana, has announced the hiring of David Cockrell as vice president and internet technology officer. Cockrell has more than 25 years of experience in network administration and information security. Since 2005, he has worked as an information tech-nology and security specialist in the local community banking industry. Cockrell served in the USAF for eight years and is a graduate of Way-land Baptist University. He currently holds Certified Information Systems Security Professional (CISSP) and Se-curity+ certifications. Home Federal Bancorp, Inc. of Louisiana is the holding company for Home Federal Bank which con-ducts business from its six full-service banking offices and one commercial lending agency office in northwest Louisiana Q

Whitney and Ring Join Stone Bank in Harrison

The late Herbert H. McAdams II, former chairman and CEO of Citizens Bank of Jonesboro and Union National Bank of Little Rock has been named to the Ar-kansas Business Hall of Fame A savvy operator whose fortune was largely built on a $10 million invest-ment in Little Rock’s Union National Bank, the 86-year-old patriarch of the McAdams family, Herbert Hall McAd-ams II, died in 2001. A shrewd businessman with an uncanny eye for the future, McAdams reaped more financial reward from the banking consolidation wave of the ‘90s than any other Arkansan. During the course of his successful business career he amassed a fortune valued at $475 million at the time of his death. McAdams made his $10 million investment in Little Rock’s Union Na-tional Bank when it was teetering on the brink of failure in 1970. “People were laughing about how long it would take to fall on its face [after I bought it],” McAdams recalled during an interview in the mid-1990s. “Word on the street was that I spent $250,000 on my 17th floor office. I told them there’s not an ounce of truth to it. I’m spending $500,000. I wanted people to know that I was down here to stay.” Another investment group was in-terested in buying Union National and reselling it. They didn’t want to see Arkansas suffer the stigma of enduring the first bank failure since the Depres-sion. But McAdams wanted to buy the bank, turn it around and operate it as a growing concern. “When I bought it, there were 375 employees and $74 million in depos-its,” McAdams said. “Those numbers should’ve been reversed.” After purchasing Union National, McAdams moved his family to Little Rock from Jonesboro. He rebuilt the bank’s credibility and transformed it into one of the most stable financial institutions in the state. Before joining the Navy in World War II, he graduated from Northwest-ern University in Chicago and the Uni-versity of Arkansas Law School in Fay-etteville Q

ARKANSASLOUISIANACockrell Hired as VP/IT at Home Federal Bank

Casey Patrick Whitney of Harrison has joined Stone Bank in Harrison as assistant vice president and customer service manager, according to Dusty Middleton, Harrison market manager. Whitney was previously associated with Community First Bank in Harri-son as a loan assistant and customer service representative, and with the Harrison Chamber of Commerce as events coordinator. Whitney is an honor graduate of the Arkansas Bankers Association ba-sic lending school and serves on the Lendel Thomas Basketball Classic Committee, as a member of the #be-lieveboonecounty Committee, on the board of the Fuller Center for Hous-ing of North Central Arkansas, and as treasurer of the Harrison Area Razor-back Club Melissa Ring of Mountain View has joined Stone Bank in Mountain View as a customer service represen-tative. She is a 10-year banking veter-an and was previously associated with Bank of Mountain View, First National Bank of Batesville and Regions Bank. She attended the University of Ar-kansas Community College at Bates-ville. Stone Bank is a $215 million bank with offices in Harrison, Mountain View, White Hall and Little Rock Q

Late Herbert H McAdams II Joins AR Business Hall of Fame

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N E W S W A T C HTEXAS

CapTex Bancshares Inc., a Fort Worth-based bank holding company estab-lished in 2015, has announced its ac-quisition of the First National Bank of Trenton, effective immediately. Based in Trenton (north central TX Fannin County), the 116-year-old commu-nity bank has five locations that serve towns throughout North TX, including Trenton, Melissa, Bonham, Farmers-ville, and Leonard. A sixth location in Fort Worth will be open in 2018, and plans for expansion throughout other North Texas cities are in-the-works. “This acquisition represents the beginning of CapTex’s commitment to create a premier community bank-ing franchise throughout Texas,” said George Lea, chairman and CEO of CapTex and First National Bank of Trenton. “Given its 116 years of exis-tence, the First National Bank of Tren-ton has a rich history of helping grow businesses and serving individuals through multiple generations and all economic cycles. CapTex principals who will hold leadership positions at First National Bank of Trenton: Lea as CEO/chair-man, Mike Thomas Jr. as president and chief lending officer, and J. Rich-ard Barajas as chief credit officer Q

CapTex Bancshares Buys First National of Trenton

Davis Kinard & Co to Join Eide Bailly LLP December 4 Davis Kinard & Co, PC will become part of Eide Bailly LLP, a regional cer-tified public accounting and business advisory firm, on Dec. 4. Davis Kinard & Co will assume the Eide Bailly name and add 11 partners and 80 staff members to the firm. The joining marks Eide Bailly’s debut in Texas, with offices in Abilene, Haskell, Plainview, and Seymour. “We’ve had our sights set on Texas for a while, and Davis Kinard & Co will be a great addition to the Eide Bailly family,” said Eide Bailly Managing Partner/CEO Dave Stende. “Texas fits with our growth strategy to expand west of the Mississippi and gives us a greater presence in banking, govern-ment and nonprofit, which are promi-nent industries for our firm. Eide Bailly’s robust culture and breadth of services attracted Davis Kinard & Co, said its President/CEO Russell Guth-rie. “We’ll be able to grow with our cli-ents by offering more resources and services like state and local tax, tech-nology, forensics and cyber security. In addition, our staff benefit with greater opportunities to advance their careers through training and specialization,” Guthrie said. “Eide Bailly’s culture mirrors ours so we’ll continue to be active in our communities. We’re looking forward to joining the firm.” Eide Bailly’s spokesperon said the company’s journey began in 1917. “By embracing change and focusing on in-novative ideas, we’ve grown with our clients to become one of the top 25 accounting firms in the nation. Ac-counting is about numbers, but our business is about relationships. Tal-ented, down-to-earth people work at Eide Bailly, and we’re inspired to de-liver outstanding expertise and care Q

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

Simmons Finalizes SWBancorp, First Texas BHSimmons First National Corpora-tion, parent company of Simmons Bank, Pine Bluff, announced that on October 19, it completed its acquisi-tions of both Southwest Bancorp Inc. (“OKSB”), headquartered in Stillwater, OK, (parent company of Bank SNB) and First Texas BHC Inc. (“First Tex-as”), headquartered in Fort Worth, TX, (parent company of Southwest Bank). “Today marks the beginning of an exciting new chapter for Simmons,” said George A. Makris Jr., Simmons’ chairman/CEO. “With the closing of these transactions, Simmons has now expanded its reach into three new banking markets – Texas, Oklahoma, and Colorado – and strengthened its franchise in Kansas... ” With the completion of these acqui-sitions, Simmons has over $14 billion in assets, approximately $10.4 billion in loans, approximately $11.2 billion in deposits, and locations across AR, CO, KS, MO, OK TN, and TX. Simmons plans to maintain the Southwest Bank and Bank SNB brands in their respective markets for an interim period until they are merged into Sim-mons Bank. Simmons plans to main-tain the Southwest Bank and Bank SNB brands in their respective markets Q

ARKANSAS

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Page 8 BANKERS DIGEST November 6, 2017

N E W S W A T C H

Arkansas State University's board of trustees voted recently to rename the university's Convocation Center "First National Bank Arena" following a $5 million contribution to the Red Wolves Foundation from the Para-gould-based First National Bank. The $5 million donation, which was announced during a news con-ference on the arena's floor, is one of the largest in A-State athletics history. Naming rights officially go into effect on Jan. 1 and run through 2029. First National Bank is the first donor to re-ceive rights for the 207,507-SF multi-purpose facility since its opening in 1987. "First National Bank has always been committed to supporting the communities we serve, and I couldn't think of a better way to do that than partnering with Arkansas State Uni-versity," said Will Brewer, vice chair-man of First National Bank. "The Con-vocation Center has a long history of providing great experiences to fami-lies across the state, and First Nation-al Bank has a long history of serving families in this area." “The fact that a strong business leader in our region chose to co-brand with our university speaks volumes about our emerging brand,” A-State Director of Athletics Terry Mohajir said. “We will continue to find creative ways to host exciting events in the First National Bank arena in order to serve northeast Arkansas and the re-gion.” First National Bank was founded as Bank of Paragould in 1889 and special-izes in agriculture loans. The financial institution has doubled in size in re-cent years, opening seven locations since 2013. The bank now employs more than 200 people at 14 locations in 10 cities across north Arkansas. The company is building a new 60,000-SF financial park in Jonesboro, which is slated for completion in the spring of 2018 Q

First National, Paragould Makes $5M Gift to ASU

ARKANSASPioneer Bank, Roswell, Develops Community Volunteer ProgramPioneer Bank, Roswell, emphasizes corporate citizenship, philanthropy, and commitment to its communities. The bank has led the way in charitable contributions for several years, but its community spirit reaches beyond fi-nancial donations. Pioneer recently implemented a Team Pioneer volunteer program to support regional and national orga-nizations at the local level through giving and community service cam-paigns. Non-profit organizations can request volunteers through the bank’s

website, and volunteers can be pro-vided at activities such as special events, community kitchens, work days, hands-on volunteer projects, fi-nancial management expertise, board service, and fundraising. This community engagement was one of the factors that led to its designation as the 2017 ‘Top Workplace” by the Albu-querque Journal. So far, in 2017, Pioneer’s team has contributed over 1400 volun-teer hours throughout the cities it serves. Pioneer Bank has sixteen locations in New Mexico, Texas, and Colorado Q

Pioneer Bank Team member Melinda Shaffer signs off on Character Counts! In Chaves County Zoo Tour participants worksheet. This event was held in October at the Spring River Park and Zoo in Roswell. Team Pioneer helped by manning the Character Counts! stations as well as cooking and serving lunch.

NEW MEXICO

November 6, 2017 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 yLouisianaBRANCHES The OFFICE OF FINANCIAL INSTI-TUTIONS has approved an applica-tion by Lakeside Bank, Lake Charles, for branch at temporary location 2594 Maplewood Dr., and upon comple-tion, at a permanent location at 2612 Maplewood Dr., both in Sulphur.MERGERS AND ACQUISITIONS The OFI has filed an application for a proposed merger of BOJ Banc-shares Inc., Jackson, with and into Investar Holding Corporation, Baton Rouge, and immediatedly thereafter, to merge The Highlands Bank, Jack-son, with and into Investar Bank, Ba-ton Rouge. The OFI has filed an application for a proposed merger of St. Martin Bancshares Inc., St. Martinville, with and into Home Bancorp Inc., Lafay-ette, and immediatedly thereafter, to merge St. Martin Bank & Trust Com-pany, St. Martinville, with and into Home Bank, N. A., Lafayette.OklahomaBRANCHES The FEDERAL RESERVE BANK OF KANSAS CITY has received an appli-cation by Exchange Bank, Perry, for a branch at 316 N. Main St. Stillwater. The OFFICE OF THE COMPTROL-LER OF THE CURRENCY has re-ceived applications by The City Na-tional Bank and Trust Company of Lawton for branches: 2301 W. Keno-sha St., Broken Arrow; 333 N. Inter-state Dr., Norman; and 207 S. Memo-rial Dr., Tulsa; and an application for a drive-in branch at 13801 N. May Ave., Oklahoma City.TexasCHARTERS The OCC has reported a charter conversion from state thrift to nation-al bank (holding company) involving First National Bank Baird, Baird, was effective October 11.

BRANCHES The OCC has received applications by First National Bank Texas, Killeen, for branches: 368 Valley Hi Dr., San An-tonio, and 2250 Boca Chica, Browns-ville. The TEXAS DEPARTMENT OF BANKING has received an applica-tion by Texas Bank, Brownwood, for a branch at 200 N. Graham, Stephen-ville.HOME OFFICE RELOCATION The TXDB has reported The Oak-wood State Bank, Oakwood, has relo-cated its home office from 300 Main St. to 17808 Dallas Pkwy., Dallas, ef-fective October 10.MERGERS AND ACQUISITIONS The TXDB has officially filed an ap-plication by Mills County State Bank, Goldthwaite, for a change in control involving Robert G. Good, M. Carolyn Good, and Thomas Cody Graves. The FEDERAL RESERVE BANK OF DALLAS has received an applica-tion by First Financial Bankshares Inc., Abilene, to acquire by merger 100% of Commercial Bancshares Inc., Hous-ton, and therefore indirectly Commer-cial State Bank, El Campo. The OCC has received an application by First Financial Bank, N. A., Abilene, for a merger with target: Commercial State Bank, El Campo. The FRB OF DALLAS has received

an application by Henderson Citi-zens Bancshares Inc., Henderson, to acquire Union State Bancshares Inc., Florence, and therefore indirectly Union State Bank, Florence. The OCC has received an application by Citi-zens National Bank, Henderson, for a merger with target: Union State Bank, Florence. The FRB OF DALLAS has received an application by AOB Ventures Inc., Edinburg, to become a bank holding company by acquiring 100% of Brush Country Bank, Freer. The FRB OF DALLAS has received an application by A.N.B. Holding Company, Ltd., Terrell, and The ANB Corporation, Terrell, to a acquire by merger 100% of G-6 Corporation, Mes-quite, and therefore indirectly First State Bank, Mesquite. The FRB OF DALLAS has received an application by Susser Bank Hold-ings, LLC, Corpus Christi, to become a savings and loan holding company by acquiring and controlling up to 75% of the issued and outstanding voting shares of BancAffiliated Inc., Arling-ton, and thereby acquire control of Af-filiated Bank, Bedford. The FRB OF DALLAS has received an application by TB&T Bancshares Inc. to become a bank holding com-pany by acquiring 100% of the out-standing shares of The Bank & Trust of Bryan/College Station Q

Page 10 BANKERS DIGEST November 6, 2017

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C L A S S I F I E D Springs/Pueblo, Colorado: Bank Happy. Work Happy. Right Here. Bank of the San Juans a Division of Glacier Bancorp is growing our Real Estate Lending Department in our SC Region and we are currently looking for a Full-Time Real Estate Mortgage Sales Manager to be lo-cated in either Colorado Springs or Pueblo, Colorado. Minimum of 5 years current mortgage origina-tion and management experience. Working knowledge of Conven-tional FHA and VA guidelines. Net-work of Realtors and Builders, abil-ity to generate leads, and requires NMLS. Apply online at www.glacier-bancorp.com. Bank of the San Juans is an Equal Opportunity Employer.

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Bank of the San Juans MORTGAGE LOAN ORIGINATOR in Durango and Pueblo, Colorado: Bank of the San Juans a Division of Glacier Bancorp is growing their Mortgage Loan De-partment and is currently looking for Mortgage Loan Originators to join this growing team in Durango and Pueblo Colorado! Skills and Ex-perience: 3 years current mortgage origination experience. Generate mortgage applications that are complete and compliant. Working knowledge of Conventional FHA and VA guidelines. Network of Realtors and Builders, ability to generate leads, and requires NMLS. Apply online at www.glacierbancorp.com. Bank of the San Juans is an Equal Opportunity Employer.

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For insurance purposes, make a photo or film record of all the damaged ar-eas before anything is cleaned or re-moved. All trash removal, restoration, cleaning, and other service companies should be contacted immediately.Q. What methods can be used to notify renters of the flooded vault status?A. Renter notification can be given by letter, phone, Internet web sites, TV, radio, newspaper, or other news media. Your disaster recovery plan should contain various sample noti-fication letters to handle box reloca-tions and termination of the renter’s contract (first and final notices). These letters and notices should be carefully worded and must be reviewed and ap-proved by your legal counsel and in-surance company.Q. When should a remote location be selected?A. If box sections and renter’s con-tents are seriously contaminated, they should be removed from the flooded vault area. If possible, a carefully worded notification letter or notice should be provided to each box renter prior to relocating these boxes or ter-minating the contracts. Contact other financial institutions in your area to see if they have boxes available for these displaced renters and offer to pay the first year’s box rent. Q. How is a proper inventory and box surrender form created?A. If renters come in to remove con-tents or you must drill these boxes to terminate the contracts, a prop-erly worded legal affidavit must be developed and approved by your le-gal counsel. This inventory should be completed under dual control, signed, notarized and retained as part of your chain of custody documentation.Q. Should my institution assist with content replacement?A. Your efforts to provide all flooded box victims with resources for replac-ing or drying out their box contents will go a long way toward restoring the good will of these box renters. Infor-mation on “drying out” box contents and replacing stocks, bonds, court documents and other legal papers will be needed. Providing local resources

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for cleaning jewelry, watches, coins and other valuables will also be well received and appreciated. Q. What should be done before granting vault access?A. After the disaster strikes, be pre-pared for an onslaught of extremely concerned box renters. Most of them will be very upset and in a big hurry. Good public relations, adequate com-munications, and immediate renter notification will be extremely impor-tant for damage control.

Q. When should vault access be per-mitted?A. Renters should be granted SAFE ac-cess as soon as possible, by appoint-ment only. After contacting these rent-ers, accurate documentation records must be maintained. If renters do not respond, rental leases must be termi-nated and these boxes drilled. Proper notification, dual control, box content inventories and adequate safekeeping of removed box contents is very im-portant and must be maintained. Conclusion

If you have not created a Disaster Re-covery Plan in writing, you MUST do this NOW, before another flood, hur-ricane or plumbing disaster! Taking precautions, developing your internal plan, training your employees and testing your security procedures will minimize your potential liability dur-ing a flooded vault situation Q

About the author: David P. McGuinn, President of Safe Deposit Specialists in Houston, TX, can be contacted at (713) 937-9929 or sdspec@aol.com.

FEATURE (continued from Page 11)