March 2020

Texas State-Chartered BankingMission and Philosophy

To ensure Texas has a safe, sound and competitive financial services system.

* Adhere to the highest ethical and professional standards;* Be statutorily accountable and responsible;* Anticipate and respond to a dynamic environment;* Identify and promote innovative practices;* Operate efficiently and maintain consistent and prudent regulatory standards;* Communicate effectively;* Foster teamwork while encouraging individual excellence and career development;* Provide a desirable work environment that values cultural and individual differences;* Seek input from and be responsive to the public, our supervised entities, and State leadership; and* Adhere to the principle of “Tough but Fair” regulatory oversight.

Mission

Philosophy

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March 2020Texas Department of Banking

Organization Chart

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Governor

FinanceCommission

Charles G. Cooper

Banking Commissioner

Kurt Purdom

Catherine Reyer

Russell Reese

Deputy Commissioner Asst. Deputy Commissioner

General Counsel

Sean P.Miller

Chief Information

Officer

MarkLargent

Director -CorporateActivities

DanFrasier

Director -Bank & Trust

Division

MichelleHodge

Director - StrategicSupport

Sami Chadli

Director - Administrative

Services

JesseSaucillo

Director - Non-Depository

Supervision

Lori Wright

Director - Human

Resources

Wendy Rodriguez

Chief Operating Officer

Regulatory Accessibility and Responsiveness All applications are decided by the Commissioner, as well as most administrative actions. It is generally much easier for Texas bankers to establish a face-to-face working relationship with department leadership in Austin rather than with a federal regulator in Washington D. C. ParityArticle XVI, Section 16(c) of the Con-stitution of The State of Texas provides that a Texas chartered state bank has the same rights and privileges that are or may be granted to national banks of the United States domiciled in this State. Section 32.010 of the Texas Fi-nance Code additionally contains a “super parity” provision which is a framework for a state bank

chartered in Texas, upon application, to conduct any of the activities allowed by any other insured state orfederally-insured financial institution in the nation.

Modern Corporate GovernanceTexas has some of the most moderncorporate governance statutes thusproviding increased flexibility. Lower Costs The assessments charged to state banks are less than that charged national banks of comparable size. The Texas Department of Banking continually monitors expenditures and assessments and reduces assessments when fiscally possible.

WHY CHOOSE A TEXAS STATEBANK CHARTER?

STRONG STABLE VIBRANT

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Profile of Regulated Entities

Information obtained from the FDIC database as of December 2019.

Regulated Entity Number ofEntities

Total Assets$(millions)

Commercial Banks

Foreign Bank Agencies

Trust Companies

Prepaid Funeral Licensees

Perpetual Care Cemeteries

Money Service Businesses

Check Verification Companies

224

21

35

357

241

170

2

$284,537

88,534

144,079

4,181

369

140,297

NA

Totals 1,050 $661,997

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Profile of BankingIn Texas

Information obtained from the FDIC database as of December 2019.

State TotalNational

Charters

Assets

Deposits

Tier 1 Risk-BasedCapital Ratio

224

$284.5B

$229.7B

169

$142.8B

$120.5B

393

$427.3B

$350.2B

13.26% 13.86%

Banks Operating in Texas

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All State Banking Activity in Texas (Updated as of March 10, 2020)State Banking Activity in Texas Number of Banks Number of Branches Total Assets # Derived From Total Deposits # Derived From

Texas State-chartered Banks as of 12/31/2019 224 2,271 284,537 FDIC 229,720 FDICTexas Branches of Non-Texas State Banks 42 787 70,775 SOD 70,775 SODSubtotal 266 3,058 355,312 300,495

Less Out of State Branches as of 6/30/2019 -393 -53,389 SOD -53,389 SOD

Total State Banks Operating in Texas 266 2,665 301,923 247,106

Bank or Branch Name Acquired Whom Home State Host State Effective Date

Regions Bank State First N.A., Texarkana Alabama Texas 8/27/1998 1 88 3,615 SOD 3,615 SODCompass Bank Compass Bank, Houston Alabama Texas 10/23/1998 1 330 38,755 SOD 38,755 SODBancorp South Bank Fredonia State Bank, Nacogdoches Mississippi Texas 8/31/2000 1 64 3,134 SOD 3,134 SODCathay Bank Kermit State Bank, Houston California Texas 12/11/2000 1 1 245 SOD 245 SODSabine State Bank Community Bank, Katy Louisiana Texas 6/17/2002 1 4 36 SOD 36 SODFirst United Bank & Trust Co. De Novo - Branch Only Oklahoma Texas 5/1/2003 1 36 3,318 SOD 3,318 SODBank of the Ozarks Sun Bank, Frisco Arkansas Texas 4/16/2004 1 21 1,749 SOD 1,749 SODBank of Hope Orange Savings Bank, Dallas California Texas 11/16/2004 1 3 253 SOD 253 SODEast West Bank United Bank Texas, Flatonia California Texas 2/8/2002 1 11 915 SOD 915 SODNorthern Trust Northern Trust Bank of Texas Illinois Texas 8/28/2006 1 5 1,418 SOD 1,418 SODAmeristate Bank De Novo - Branch Only Oklahoma Texas 1/5/2007 1 1 37 SOD 37 SODThe Bankers Bank De Novo - Branch Only Oklahoma Texas 3/31/2009 1 0 0 SOD 0 SODLandmark Bank Landmark Bank Missouri Texas 4/24/2009 1 11 782 SOD 782 SODShinhan Bank America Stripped Charter New York Texas 5/1/2009 1 0 92 SOD 92 SODBranch Banking & Trust Acquired Colonial Bank North Carolina Texas 8/14/2009 1 106 6,676 SOD 6,676 SODAmerican Nation Bank American Bank, Keller Oklahoma Texas 3/31/2010 1 1 69 SOD 69 SODOrigin Bank Community Trust Bank of Texas Louisiana Texas 8/19/2010 1 17 1,614 SOD 1,614 SODProvidence Bank Premier Bank Missouri Texas 10/15/2010 1 0 29 SOD 29 SODInterbank Acquired eight banks in Texas Oklahoma Texas 12/31/2010 1 25 1,682 SOD 1,682 SODIberia Bank De Novo - Branch Only Louisiana Texas 12/31/2010 1 8 1,815 SOD 1,815 SODFirst Citizens Bank & Trust De Novo - Branch Only North Carolina Texas 1/8/2011 1 6 250 SOD 250 SODHancock Whitney Bank Whitney National Bank Mississippi Texas 6/4/2011 1 5 621 SOD 621 SODNBH Bank De Novo - Branch Only Colorado Texas 11/7/2011 1 1 176 SOD 176 SODBeal Bank USA Cyber Office Nevada Texas 1/1/2012 1 1 17 SOD 17 SODFarmers Bank & Trust Company De Novo - Branch Only Arkansas Texas 3/5/2012 1 3 451 SOD 451 SODValliance Bank Valliance Bank Oklahoma Texas 7/20/2012 1 1 49 SOD 49 SODStockmans Bank De Novo - Branch Only Oklahoma Texas 7/15/2013 1 0 49 SOD 49 SODHanmi Bank United Central Bank, Garland California Texas 9/1/2014 1 6 327 SOD 327 SODCommonwealth Business Bank De Novo - Branch Only California Texas 1/14/2016 1 1 72 SOD 72 SODGulf Coast Bank & Trust De Novo - Branch Only Louisiana Texas 3/2/2016 1 0 2 SOD 2 SODMetro City Bank De Novo - Branch Only Georgia Texas 9/22/2016 1 2 74 SOD 74 SODCrossFirst Bank De Novo - Branch Only Kansas Texas 11/1/2016 1 0 404 SOD 404 SODInternational Bank of Commerce De Novo - Branch Only Oklahoma Texas 1/1/2017 1 0 11 SOD 11 SODFirst IC Bank De Novo - Branch Only Georgia Texas 5/30/2017 1 0 23 SOD 23 SODFirst Guaranty Bank Synergy Bank Louisiana Texas 6/19/2017 1 4 175 SOD 175 SODDiamond Bank De Novo - Branch Only Arkansas Texas 7/5/2017 1 0 10 SOD 10 SODBank 7 De Novo - Branch Only Oklahoma Texas 8/17/2017 1 2 69 SOD 69 SODWestern Heritage Bank De Novo - Branch Only New Mexico Texas 9/11/2017 1 3 130 SOD 130 SODSimmons Bank De Novo - Branch Only Arkansas Texas 2/20/2018 1 20 1,606 SOD 1,606 SODBusiness First Bank De Novo - Branch Only Louisiana Texas 5/7/2018 1 0 20 SOD 20 SODCitizens Bank of Las Cruces De Novo - Branch Only New Mexico Texas 10/1/2018 1 0 1 SOD 1 SODOpen Bank De Novo - Branch Only California Texas 4/29/2019 1 0 4 SOD 4 SOD

Banks Operating in Texas

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All National Banking Activity in Texas (Updated as of March 10, 2020)

National Banking Activity in TexasNumber of

BanksNumber of Branches

Total Assets

# Derived From

Total Deposits

# Derived From

Texas National-chartered Banks as of 12/31/2019 169 1,501 142,801 FDIC 120,504 FDICTexas Branches of Non-Texas National Banks 30 1,769 431,845 SOD 431,845 SODSubtotal 199 3,270 574,646 552,349

Less Out of State Branches as of 6/30/2019 -610 -2,130 SOD -2,130 SOD

Total National Banks Operating in Texas 199 2,660 572,516 550,219

Bank or Branch Name Acquired Whom Home State Host StateEffective

DateNumber of

BanksNumber ofBranches

TotalAssets

# DerivedFrom

TotalDeposits

# DerivedFrom

Bank of America NationsBank, Dallas North Carolina Texas 5/6/1998 1 363 128,737 SOD 128,737 SODCapital One Hibernia National Bank Louisiana Texas 1/1/1999 1 77 9,336 SOD 9,336 SODFirst National Bank of Omaha First State Bank, Frisco Nebraska Texas 12/15/2000 1 3 275 SOD 275 SODWells Fargo Wells Fargo, Texas South Dakota Texas 11/21/2003 1 607 70,693 SOD 70,693 SODTrustmark National Bank Plaza Bank, Houston Mississippi Texas 1/23/2004 1 12 510 SOD 510 SODArmed Forces Bank De Novo - Branch Only Kansas Texas 6/30/2004 1 1 37 SOD 37 SODJP Morgan Chase Bank Chase and Bank One New York Texas 11/13/2004 1 555 191,879 SOD 191,879 SODFirst Texoma National Bank First Texoma Bank, Sherman Oklahoma Texas 4/22/2005 1 1 20 SOD 20 SODAmerant Bank, N.A. First Texoma Bank, Houston Florida Texas 4/22/2005 1 7 645 SOD 645 SODCitibank Citibank, Texas Nevada Texas 10/1/2006 1 1 6,528 SOD 6,528 SODThe Bank of New York Mellon De Novo - Branch Only California Texas 10/1/2006 1 1 0 SOD 0 SODMidSouth Bank MidSouth Bank - Texas, Beaumont Louisiana Texas 3/21/2008 1 9 224 SOD 224 SODGreat Plains National Bank De Novo - Branch Only Oklahoma Texas 3/10/2009 1 0 8 SOD 8 SODMUFG Union Bank Texas First Bank, Winnie California Texas 9/24/2009 1 0 65 SOD 65 SODBOKF Bank of Texas, Dallas Oklahoma Texas 1/1/2011 1 31 5,943 SOD 5,943 SODWilmington Trust, N.A. De Novo - Branch Only Delaware Texas 2/1/2011 1 0 0 SOD 0 SODFSNB, N.A. De Novo - Branch Only Oklahoma Texas 9/4/2012 1 1 27 SOD 27 SODCadence Bank, N.A. Encore Bank, Houston Alabama Texas 9/15/2012 1 12 4,627 SOD 4,627 SODBank of Whittier, N.A. De Novo - Branch Only California Texas 9/15/2012 1 0 6 SOD 6 SODWashington Federal Conversion from FSB Washington Texas 7/17/2013 1 5 177 SOD 177 SODSNB Bank De Novo - Branch Only Oklahoma Texas 2/10/2014 1 0 28 SOD 28 SODCommunity First National Bank De Novo - Branch Only Kansas Texas 9/29/2014 1 0 42 SOD 42 SODUMB Bank Meridian Bank, Fort Worth Missouri Texas 5/31/2015 1 3 267 SOD 267 SODZions Bancorporation, N.A. Amegy Bank, Houston Utah Texas 12/31/2015 1 76 11,315 SOD 11,315 SODBNY Mellon, N.A. De Novo - Branch Only Pennsylvania Texas 2/16/2016 1 0 0 SOD 0 SODFirst Tennessee Bank De Novo – Branch Only Tennessee Texas 4/14/2016 1 0 114 SOD 114 SODSunflower Bank Capital Bank, El Paso Colorado Texas 6/19/2017 1 2 205 SOD 205 SODBMO Harris Bank, N.A. De Novo - Branch Only Illinois Texas 5/1/2019 1 0 23 SOD 23 SODPNC Bank, N.A. De Novo - Branch Only Delaware Texas 6/10/2019 1 0 1 SOD 1 SODInvestar Bank, N.A. De Novo - Branch Only Louisiana Texas 7/1/2019 1 2 113 SOD 113 SOD

TOTAL TEXAS BANKING ACTIVITY 465 5,325 874,439 797,325

Total assets for branches will mirror FDIC deposits since these figures are more conservative and verifiable.FDIC information is derived from their call report database. SOD information represents Summary of Deposits which FDIC requests in June of each year.Total asset and deposit numbers are in millions. Financial information is as of December 31, 2019.

Information obtained from the FDIC database. Deposit information derived from the FDIC Summary of Deposit data. Asset and deposit numbers are in thousands.* Includes one foreign branch.8

Texas State-Chartered BanksWith Out-of-State Branches

State-CharteredBank

Total Assets as of 12/31/19 Total Branches Texas Deposits as

of 6/30/19 Texas BranchesOut-of-State

Deposits as of 6/30/19

Out-of-State Branches

Operating in Following States

Comerica Bank,Dallas 73,336,000 443 8,738,819 126 47,580,191 317* AZ, FL, CA, MI,

NY

Prosperity Bank,El Campo 32,184,416 318 15,498,868 300 1,442,296 18 OK

City Bank,Lubbock 3,235,138 44 2,210,665 42 138,240 2 NM

American Bank ofCommerce, Wolfforth

981,400 16 736,237 14 45,252 2 CO

WestStar Bank,El Paso 1,901,554 14 1,502,887 13 51,455 1 NM

State Bank of Texas,Dallas 853,091 6 655,877 4 85,082 2 IL

Citizens Bank,Amarillo 181,167 4 90,315 3 50,441 1 NM

American Momentum Bank,

College Station1,741,998 36 937,787 24 474,313 12 FL

Herring Bank,Amarillo 445,391 14 295,278 10 82,549 4 OK, CO

Independent Bank,McKinney 14,953,260 104 8,690,123 68 2,855,298 36 CO

Wallis State Bank,Wallis 796,690 13 589,310 10 43,178 3 CA, GA

MapleMark Bank,Dallas 604,589 2 244,677 1 128,953 1 OK

Veritex Community Bank, Dallas 7,951,294 43 6,162,935 42 21,834 1 KY

Lone Star State Bank of West Tx, Lubbock ($1.0)Texas Regional Bank, Harlingen ($1.0)Firstbank Southwest, Amarillo ($1.0)Citizens State Bank, Buffalo ($1.1)International Bank of Commerce, Brownsville ($1.1)First State Bank, Gainesville ($1.1)First Bank & Trust, Lubbock ($1.1)Security State Bank, Fredericksburg ($1.2)Falcon International Bank, Laredo ($1.3)North Dallas Bank & Trust, Dallas ($1.3)First United Bank, Dimmitt ($1.4)Texas First Bank, Texas City ($1.5)Texas Community Bank, Laredo ($1.5)Pinnacle Bank, Keene ($1.5)American Momentum Bank, College Station ($1.7)AimBank, Littlefield ($1.8)First State Bank of Uvalde, Uvalde ($1.8)Weststar Bank, El Paso ($1.9)Jefferson Bank, San Antonio ($2.0)Vantage Bank Texas, San Antonio ($2.2)Texas Bank & Trust, Longview ($2.7)City Bank, Lubbock ($3.2)Happy State Bank, Happy ($3.8)

Allegiance Bank, Houston ($5.0)Southside Bank, Tyler ($6.7)Veritex Community Bank, Dallas ($8.0)International Bank of Commerce, Laredo ($8.7)

PlainsCapital Bank, Lubbock ($11.3)Independent Bank, Mckinney ($15.0)Prosperity Bank, El Campo ($32.2)Frost Bank, San Antonio ($34.1)Comerica Bank, Dallas ($73.3)

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Information is from the FDIC Call reports in $billions.

Texas State Bank C ompanieswith Assets Exceeding $1B

December 2019

$52.0 State-CharteredBanks with Assets

<$1B

$38.2Assets

>$1B - <$5B

$28.4Assets

>$5B - <$10B

$165.9Assets >$10B

Information effective January 1, 2020. Banks $0 to $500 million shown on 18-month exam cycle. Banks over $500 million reflected on a 12-month exam cycle. Assessments on national banks which are considered “non-lead” banks are 88% of above O.C.C. assessments. *Not included in the above calculation are Off Balance Sheet Assets that for all state banks in Texas average 10.5%.

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Comparison of State Bank Assessments with the O.C.C.

AssessableAssets

DOBAssessment

*O.C.C.Assessment

Difference % of O.C.C.Assessment

$10 Million $9,906 $13,140 $3,234 75.4%

$25 Million $16,137 $18,663 $2,526 86.5%

$50 Million $21,028 $27,360 $6,332 76.9%

$100 Million $30,498 $42,320 $11,822 72.1%

$250 Million $47,632 $71,499 $23,867 66.6%

$500 Million $76,393 $114,872 $38,479 66.5%

$1.0 Billion $120,304 $201,614 $81,310 59.7%

$5 Billion $433,624 $722,050 $288,426 60.0%

$10.0 Billion $789,664 $1,277,642 $487,978 61.8%