Bank of Oklahoma, a division of BOKF, N. A., Tulsa, has named Keith Kersten

the Oklahoma City corporate banking manager. Kersten has 27 years of experi-ence in banking and management.He previously served as execu-tive vice president and community

bank president for Arvest Bank in Ed-mond, OK. He was promoted to exec-utive vice president of Arvest Bank in January 2015. He served at Arvest for

IBC Bank, Laredo, TX, has announced the promotion of Julie Tarvin to Ser-

vice Center CEO, said C h a i r m a n /CEO Dennis E. Nixon. Prior to her p r o m o t i o n , Tarvin served as senior vice president of fi-nancial report-ing, enterprise risk manage-

ment, and credit administration. In her new position, she oversees informa-tion technology, including its hardware infrastructure, software, and customer interface. Housed in San Antonio, the Service Center is at the heart of how IBC Bank processes every transaction. Tarvin’s 20-plus-year career with IBC Bank began as an operations analyst. Her duties then moved into financial reporting, where she even-tually developed the corporate credit administration group and was also in-strumental in creating the enterprise risk management group. Tarvin serves her community as president and treasurer of Laredo’s Communities in Schools, as a board member for Junior Achievement and for Financial Women International, and as president of Leadership Laredo. Tarvin holds a degree in finance from the University of Akron in OH Q

Volume 147, No. 11September 21, 2015 www.bankersdigest.com

Published weekly on Mondays except fifth Mondays

White Promoted to Community President, Burnside Is Senior Credit Officer, Simmons

Kersten

Tarvin Promoted, IBC Service Center CEO

Tarvin

Five No/Low Cost Solutions to Help Mitigate Information Security RisksFeature..............................................3

In This Issue...

White Burnside

Kersten to Lead Bank of Oklahoma Corporate Banking in Oklahoma City

more than 15 years, including as com-mercial loan division manager. Ear-lier in his career he served as a vice president at Stillwater National Bank & Trust Co. Kersten is active in his local com-munity, including service on several advisory boards. He currently is vice chairman of the University of Central Oklahoma Foundation board of trust-ees. Kersten earned undergraduate and graduate degrees in finance from the University of Central Oklahoma and is a graduate of the Graduate School of Banking at the University of Colorado in Boulder Q

Chris White has been promoted by Simmons First National Bank, Pine

Bluff, AR, to c o m m u n i t y president for central AR, said Marty Casteel, bank c h a i r m a n /CEO. White will report to Freddie Black, the chairman of the AR re-gion, which

includes Simmons locations in Little Rock, North Little Rock, Benton, Bry-ant, and Cabot. “Chris began his banking career with Simmons and has held leadership positions in our northwest Arkansas, Hot Springs and Little Rock commu-nity banks,” said Casteel.

Simmons First National Bank also announced that Robert E. “Bob”

Burnside has joined the bank as the AR region’s senior credit officer, reporting to Steve Wade, the chief cred-it officer. “Bob will work with all Arkansas lenders in the

credit-approval process to maintain credit quality while delivering time-ly and consistent credit decisions,” Casteel said. “Bob has 30 years of experience in banking, including senior lender expe-rience with regional and community banks in Arkansas,” Casteel reported Q

Page 2 BANKERS DIGEST September 21, 2015

at 600 Congress Ave., Ste. 1850. He will be mov-ing to the bank’s new lending office in The Domain, at 11501 Alterra Parkway, Ste. 440, when it opens in late 2015.

American Bank, N. A., Corpus Christi, announced that Robert D. Wilson has joined its Aus-tin lending team as a commercial lending officer at the Austin Region executive offices

P E O P L E TEXAS

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Wilson

Wilson Joins, Cartwright Promoted, American Bank in Austin

Cartwright

In This Issue...Five No/Low Cost Solutions to Help Mitigate Information Security Risks Feature..............................................3

Trust Schools Graduates......4

Newswatch....................................7,9

Charter Activity..............................8

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

Wilson joins American Bank after facilitating another bank’s expansion into the Austin market. Prior to that, he was the owner and managing part-ner for W Building & Design. He holds a BA degree from The University of Texas, and is active with the Indepen-dent Bankers Association of Texas, the Real Estate Council Austin, the Austin Chamber of Commerce, and others. Also in Austin, Lindsey Cartwright has been promoted to E-Branch man-agement officer. She joined the bank in 2010 and was named E-Branch manager in early 2013. She is respon-sible for managing the bank’s website and its electronic banking products and services. She holds a BBA degree in marketing from Southwestern Okla-homa State University Q

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F E A T U R E

ByTom Layman CISSP, CISA

Managing Director, IT AuditDD&F Consulting Group

Little Rock, ARwww.ddfconsulting.com

RISK MANAGEMENTFive No/Low Cost Solutions

to Help Mitigate Information Security Risks

Tom Layman

Information secu-rity incidents are on the rise. Every day it seems that a new vulnerabil-ity is identified or another busi-ness has been breached. Unfor-tunately, infor-mation technol-

ogy or information security budgets haven’t always accommodated the fight against the ever-growing number of threats. Here are a few things your bank can do today that have very little to no monetary cost, but can greatly reduce the overall risk profile of the institution.1. Review System Access PrivilegesLiberally granted system access privi-leges are one of the easiest ways to NOT protect your institution. Restrict-ing access privileges and provisioning privileges based on the user’s primary job function and the “need to know” is one of the easiest and most effective preventative controls that an institu-tion can implement to reduce risk. 2. Perform Employee Information Security TrainingAs much as I hate to admit it, there are some threats that exist that no amount of money can prevent. Money can be spent on systems, software, etc. to prevent threats; however, these controls will have little effect on pre-venting an employee from clicking on a fraudulent email link or divulging confidential information. Employ-ees who are consistently reminded of these threats and properly trained on information security are less likely to be the cause of an information secu-rity incident.

3. Configure Systems in Accordance with Industry Standards and Best PracticesAre your bank’s systems and devices deployed and configured in accor-dance with security best practices? A search on the Internet can provide a plethora of information on best prac-tices or industry standards for securing various types of servers, workstations, or other network devices. Reviewing security settings and making appro-priate changes on these systems or devices is a relatively easy solution to help manage risk.4. Implement a Schedule to Review Network Security Logs Now that systems have been config-ured in accordance with industry stan-dards, consistent reviews of network security logs should be implemented. Firewall logs, antivirus logs, system event logs, etc. can provide an unlim-ited amount of data to help an organi-zation reduce or mitigate information security risk. However, if this data is

never reviewed, then it becomes of little worth.5. Collaborate with Peers and Col-leagues“What are the likely threats for my in-stitution?” “How can these threats be mitigated?” These questions can of-ten be answered by talking with peers and meeting with colleagues. What sort of threats have they experienced? How have they managed to reduce the risk of these threats? The information that can be gained from attending a user group meeting or industry con-ference can be invaluable in mitigat-ing information security risk.

Bottom line: information security risks will continue to rise for the foresee-able future, and there are only so many dollars that can be spent to mitigate these risks. Therefore, those dollars need to be strategically spent. However, several no/low cost solu-tions, such as described above, can be implemented to aid in the reduction of your institution’s risk profile Q

Page 4 BANKERS DIGEST September 21, 2015

P E O P L E TEXAS

Texas Bankers Association Texas Trust School and Graduate Trust School Announce 2015 GraduatesThe Texas Bankers Association an-nounced the 2015 graduates of the Texas Trust School and Graduate Trust School, (www.texasbankers.com) which were held July 12-17 at SMU in Dallas. The Texas Trust School is a five-day program that gives students a solid foundation in the basic skills required in trust administration, personal fi-nancial planning, tax law, investment management, regulatory require-ments, and ethics. The Graduate Trust School is de-signed by trust professionals for trust professionals and offers an advanced curriculum with the best and latest strategies in account administration, fiduciary law, tax and estate planning, investment management, and leader-ship preparedness. Graduates include: • Trust SchoolJuaquin Arellano, Salient Trust Co, Houston; Kara Axley, Westwood Trust, Dallas; Amy Balderas, Woodway Fi-

nancial Advisors, Houston; Margaret Bouchard, FirstBank Southwest, Per-ryton; Victoria Brown, Frost Wealth Advisors, College Station; Jennifer Bryson, Bank of Texas, Houston; Mat-thew Caire, Houston Trust Company, Houston; Catherine Clarke, Sentinel Trust Company, Houston; Kennedy Dollar, PlainsCapital Bank, Dallas; Emily Dowden, Westwood Trust, Dal-las; Ross Durr, Regions Bank, Tyler; Lorri Filer, Amegy Bank, Houston; Jennifer Garza Gutierrez, Frost Bank, Fort Worth; Jamie Goble, Community Bank & Trust, Waco; Stephanie Her-mez, Tolleson Private Bank, Dallas; Anais Hernandez, Jefferson Bank, San Antonio; Courtney Jordan, First Finan-cial Trust & Asset Management Co., Lubbock; Deborah Lorenzo, Houston Trust Co., Houston; Jonathan Malone, Extraco Trust Services, Temple; Linda Mapp, Frost Bank, Houston; Tristan Masto, City Bank, Lubbock; Katie McCracken, First Financial Trust

& Asset Management Co., Abilene; James McGinness, Salient Trust Co, Houston; Matthew Melbourne, First Financial Trust & Asset Management Co., Abilene; Jaron Neihart, Austin Trust Co., Austin; Lori Noack-May, Cadence Bank, Houston; Elizabeth Nunez, Capital One, Beaumont; Chris O’Daniel, Woodway Financial Advi-sors, Houston; Lisa Ortiz, T Bank, Dallas; Jeremie Pare, The James Street Group, Houston; Carol Rawl-inson, Bank of Texas, Houston; Jenny Robinson, FirstBank Southwest, Ama-rillo; Myra Savage, U.S. Trust, Dal-las; Jacqueline Sigmund, Frost Bank, San Antonio; Emory Simpson, Bes-semer Trust Co., Dallas; Cody Smith, First State Bank of Uvalde, Uvalde; Neal Stanfield, FirstBank Southwest, Amarillo; Marissa Sullivan, Sentinel Trust Co., Houston; Tasha Tschoepe, PlainsCapital Bank, Fort Worth; Mark Walling, Texas Bank and Trust Co., Ty-ler; Timothy Ward, Commercial Bank of Texas, Nacogdoches; Sherry Wil-liams, Southwest Bank, Fort Worth; and David Zahn, Sentinel Trust Co., Houston.

• Graduate Trust School Norma Ayala, Frost Bank, Houston; Mason Beddingfield, First Finan-cial Trust & Asset Management Co., Odessa; Bradley Brown, First Fi-nancial Trust & Asset Management Co., Orange; Dustin Gresham, City Bank Trust, Lubbock; Shawn Hughes, Broadway National Bank, San An-tonio; Drew Knowles, Commercial Bank of Texas, Nacogdoches; Timothy Lootens, Chilton Capital Manage-ment Trust Co., Houston; Michael Lopez, USAA Federal Savings Bank, San Antonio; Kevin McCulloch, Co-merica Bank, Dallas; Robin Nelson, The American National Bank of Tex-as, Rockwall; Stephanie Niehaus, Sentinel Trust Co., Houston; Krystle O’Connor, Woodway Financial Ad-visors, Houston; Whitney Pigg, Jef-ferson Bank, San Antonio; Christo-pher Reedy, The James Street Group, Houston; Casey Seitz, Broadway Na-tional Bank, San Antonio; Michael Ware, First State Bank of Gainesville, Gainesville; David Welch, Welch, Sanders & Associates, Wichita Falls; and Terri Whitmire, Capital One, Beaumont Q

September 21, 2015 BANKERS DIGEST Page 5

Former TIB-The Independent Bankers Bank,Dallas, CFO Mackey A. Harral

died on August 23 after a long battle with cancer. He was 77. Harral, of Cop-pell, served as TIB’s CFO for 14 and a half years, joining the bank on July 1, 1987, and retiring on

January 2, 2002. In addition to his role as CFO, he was a member of TIB’s ex-ecutive management team and served on the board of directors. According to TIB’s news release, those who knew Harral remember him as a reserved man who rarely spoke before thinking things out. But, when he got going, it was clear he had a lot of thoughts and incredible knowledge on a seemingly endless range of is-sues. Even those who knew him well were often taken by surprise by his dry sense of humor and underlying mis-chievousness and fun-loving nature. Most of all, Harral will be remem-bered for his gentle and generous heart. He was a doting grandfather. In fact, he and his wife of 31 years, Joann, stepped up to raise their grand-daughter, Tiffany, when needed. He is survived by two sons, a daugher, and other relatives. Harral was raised in Fort Worth and received a BA degree in mathematics from The University of Texas at Aus-tin. He was a CPA and a graduate of the Graduate School of Banking at the University of Wisconsin-Madison. During his career in the financial industry, he worked for a public ac-counting firm, as a bank examiner for the OCC, First National Bank in Cor-sicana, and was instrumental in orga-nizing just the third registered bank holding company formed in TX - First Bancorp, Inc. He then worked for In-terFirst Corporation in Dallas before joining TIB in 1987 Q

P E O P L E TEXAS OKLAHOMA

Retired TIB-Dallas CFO Mackey A. Harral Dies at 77

Valliance Bank Promotes Marney to AVP, Hires Davis

Arvest, Edmond, Promotes Foley to Assistant Vice Pres

Check Clearing Made Simple

Bankers DigestTIB 1/3 pg adApril 2015

Valliance Bank, Oklahoma City, has promoted Kristen Marney to assis-tant vice president of treasury servic-es and welcomes Dana Davis to the bank’s mortgage division as mortgage loan originator at its Oklahoma City office. Brad Swickey, president/CEO, made the announcement. Marney oversees commercial busi-ness client accounts, remote deposit, online products, and lockbox services. She is a four-year banker and a gradu-ate of Oklahoma State University. Davis has over 20 years of mortgage loan experience, most recently as a mortgage lender at The First State Bank in Oklahoma City. She holds a BS degree from the University of Cen-tral Oklahoma. She is a member of the National Association of Professional Mortgage Women and has served on the Mid-Del Board of Realtors and the Midwest City Leadership Alumni As-sociation as treasurer Q

Arvest Bank in Edmond has pro-moted Taylor Foley to assistant vice president. He will continue to serve as branch manager of the location at 1133 N. Bryant Ave. in Edmond. He has served more than five years at Arvest Bank. He earned a bachelor’s degree from Elms College in MA Q

MISSISSIPPI

Former Hancock Holding CEO Chaney Joins TX FirmJTS Capital Group, LLC, Waco, TX, an alternative credit acquisition and management company, recently an-nounced that Carl J. Chaney has joined as vice chairman focused on new loan acquisition sourcing and portfolio management. Chaney recently was president/CEO and director of Hancock Holding Company, Gulfport, holding company for Hancock Bank and Whitney Bank Q

Harral

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Page 6 BANKERS DIGEST September 21, 2015

The board of directors for the West-ern States School of Banking (WSSB) has chosen Gigi Baty its new execu-

tive director of the school. Baty is a Du-rango, CO, native and a Fort Lewis College graduate. She has served as the director of con-tinuing education at Fort Lewis Col-lege in Durango for

the past nine years. Prior to that, she worked for six years as a conference manager at Washington State Univer-sity’s urban campus in Spokane. At Fort Lewis College, Baty found-ed the Community Enrichment, Pro-fessional Nonprofit Management, and Professional Development Cer-tificate programs that were designed to strengthen various community sec-tors in the SW region. She is passion-ate about empowering communities with the development, coordination, and delivery of high-level business management programs to positively impact communities. WSSB has been under contract with ICBA/NM for the past 10 years for

P E O P L EARIZONA

REGIONAL

NEW MEXICO

Baty

Los Alamos NB Ups Snow to VP/BSA Director, Two Others

Lindner Is Regional Credit Executive, CoBiz Financial

Danella and Burgess Join Regions Wealth Management

administrative support services and for the past five years has engaged the association for both managerial and administrative support. The staff of ICBA/NM and Baty will work jointly between now and the end of 2015 as responsibilities and duties are trans-ferred to her office in Durango, CO Q

Baty Chosen Exec Director, Western States Bank School

Los Alamos National Bank (LANB), Los Alamos, has reported three recent promotions involving its risk manage-ment and compliance staff. Sandra Snow has been promoted to vice president and director of BSA/AML/OFAC functions. She has over 30 years of NM banking experience in op-erations, customer service, regulatory compliance, and risk management. She has served at the bank since 2013 in BSA and administrative officer posi-tions. Before joining LANB, she served with First National Bank of Santa Fe and International Bank in Raton. Tatlana Shipkova is now the senior BSA analyst. She joined the bank in 2014 as a BSA analyst. Samantha Ditsworth, a three-year employee, has been named risk ana-lyst. She is responsible for vendor management and compliance man-agement programs Q

CoBiz Financial Inc., Denver, CO, has recently hired Jeremy Lindner as re-gional credit executive in Phoenix. Lindner previously served as a se-nior vice president in corporate bank-ing at Western Alliance Bancorpora-tion in Phoenix for nearly three years. Earlier, he served nearly 12 years with Comerica Bank in corporate banking, credit administration, and middle market banking positions. He earned a BA degree in finance from Michigan State University. CoBiz Financial Inc., with over $3 billion in assets, owns Phoenix-based Arizona Business Bank Q

La Rosa Named Mortgage Loan Officer, First InternetFirst Internet Bank, Tempe, has re-ported Debi La Rosa has joined as a mortgage loan officer. She has nearly 12 years of mortgage loan origination experience in the Phoenix market Q

Regions Bank, Birmingham, AL, an-nounced that Kate Randall Danella has joined as wealth strategy and effectiveness executive for Regions Wealth Management and Julz Bur-gess has been named head of the cor-porate trust group. Danella will oversee the develop-ment and implementation of business strategies across the Wealth Manage-ment Group, which provides banking, investment, trust, and insurance ser-vices through four divisions: Regions Private Wealth Management, Regions Institutional Services, Regions Invest-ment Services, and Regions Insur-ance. She joins from Capital Group Companies in Los Angeles, CA. Burgess will provide strategic direc-tion for corporate trust in the institu-tional services group with an empha-sis on business development, client service, and retention. She will also manage the institutional services’ es-crow business. She joins from Bank of New York Mellon Trust Company Q

September 21, 2015 BANKERS DIGEST Page 7

N E W S W A T C HTEXASLOUISIANA

Pioneer Bank Breaks Ground for New Austin FacilityGrant Bancshares Plans to Acquire Bank of Ringgold Pioneer Bank, SSB, Dripping Springs,

has broken ground on a new office building near the corner of 38th St. and Guadalupe St. in Austin. The new building will support Pioneer’s rapidly growing Austin customer base and act as a central location for the bank’s business and community develop-ment efforts, said Jeffrey Wilkinson, Pioneer Bank President/CEO.

The 35,000-square-foot, three-story building will also provide space for operational and administrative posi-tions. The $409 million-asset bank will occupy the first floor of the stone and glass structure with room for expan-sion on the second and third floors. Lease space will be available. Con-struction has begun and is scheduled to be complete in late 2016 Q

Grant Bancshares Inc., Natchitoches, the parent bank holding company for Bank of Montgomery, Montgom-ery, and Bank of Ringgold jointly an-nounced the signing of a definitive share exchange agreement under which Grant Bancshares will acquire Bank of Ringgold. Following comple-tion of this acquisition, it is anticipat-ed that Bank of Ringgold will merge with and into Bank of Montgomery. The terms of the definitive share ex-change agreement were not disclosed. Upon completion of these trans-actions, Bank of Montgomery, which currently operates from six locations in Grant, Natchitoches, and Sabine parishes, will expand its footprint into Bienville and Bossier parishes with the addition of three Bank of Ringgold locations. Bank of Ringgold, established in 1904, operates from branches in Ring-gold, Benton, and Castor, and has ap-proximately $64 million in assets and nearly $50 million in deposits. Follow-ing the merger of the banks, Bank of Montgomery will have approximately $280 million in total assets and $250 million in deposits. Closing of the acquisition, which is expected to occur in the fourth quar-ter of 2015, is subject to customary conditions, including regulatory ap-proval and approval by the sharehold-ers of Bank of Ringgold. Bank of Ringgold President/CEO Daniel R. Blacksher will remain as market president of Bank of Mont-gomery, and the remainder of Bank of Ringgold’s staff is largely expected to remain the same Q

suntrustrh.comDebt & Equity Capital Raising Mergers & Acquisitions Financial Risk Management Treasury & Payment SolutionsSunTrust Robinson Humphrey is the trade name for the corporate and investment banking services of SunTrust Banks, Inc. and its subsidiaries. Securities underwriting and M&A advisory services are provided by SunTrust Robinson Humphrey, Inc., member FINRA and SIPC. | Lending, fi nancial risk management, and treasury and payment solutions are o� ered by SunTrust Bank. | Deposit products are o� ered by SunTrust Bank, Member FDIC. © SunTrust Banks, Inc. All rights reserved.

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STRH Bankers Digest Texas Tombstone Ad Final.indd 1 7/8/15 10:30 AM

R E G U L A T O R SDeposit Insurance Fund $67.6 B

According to the FDIC, as of June 30, 2015, the Deposit Insurance Fund (DIF) totalled $67.6 billion. The DIF in-creased from $65.3 billion in the 2015 first quarter to $67.6 billion in the 2015 second quarter, largely driven by $2.3 billion in assessment income. The DIF reserve ratio rose from 1.03% to 1.06% during the quarter Q

Page 8 BANKERS DIGEST September 21, 2015

R E G U L A T O R S

C h a r t e r

a c t i v i t yArizonaBRANCHES The OFFICE OF THE COMPTROL-LER OF THE CURRENCY has re-ceived an application by Wells Fargo Bank, N. A., Sioux Falls, SD, for a

branch at 6525 W. Happy Valley Rd., Glendale.OklahomaMERGERS AND ACQUISITIONS The OKLAHOMA STATE BANKING DEPARTMENT has received an appli-cation for the merger of Bank of Com-merce, Yukon, with and into BancFirst, Oklahoma City, and for a branch at 2500 S. Cornwell, Yukon. TexasBRANCHES The OCC has approved an applica-

tion by First Tennessee Bank, N. A., Memphis, TN, for a branch at 3009 Post Oak Blvd., Ste 1210, Houston. The TEXAS DEPARTMENT OF BANKING has approved an appli-cation by AimBank, Littlefield, for a branch at 5701 Times Square Blvd., Ste. 120, Amarillo. The TXDB has received an applica-tion by Riverbend Bank, Fort Worth, for a branch at 2331 W. Northwest Hwy., Dallas. Commonwealth Business Bank, Los Angeles, CA, reported in a legal notice it intends to file an application with the FEDERAL RESERVE BOARD OF GOVERNORS for a branch at 3030 LBJ Fwy., Ste. 1100, Dallas.MERGERS AND ACQUISITIONS The TXDB has received an applica-tion by Happy State Bank, Happy, for a P&A of a branch of Centennial Bank, Lubbock, at 711 N. Main St., Sham-rock. The FEDERAL RESERVE BANK OF DALLAS has received an applica-tion for the purchase of substantially all of the assets and assume all of the liabilities associated with this branch office of Centennial Bank Q

P E O P L EOCC Names First Chief Risk Officer and Chief Info OfficerLinda Cunningham has been named the first chief risk officer (CRO) for the Office of the Comptroller of the Cur-rency (OCC) in Washington, DC. She will lead the agency’s newly created Office of Enterprise Risk Management and the Enterprise Risk Committee. She will also participate in the OCC executive committee, the national risk committee, and report directly to the Comptroller Thomas J. Curry. Cunningham has more than three decades of bank supervision experi-ence. She is a senior national bank examiner and has served as examiner-in-charge of some of the largest and most complex financial institutions. Stephen W. Warren has been named chief information officer (CIO) in Washington, DC. As CIO, he will lead all OCC information technology (IT) programs. He joined the OCC on Sep-tember 6 with more than 15 years of ex-perience as a CIO or senior IT official Q

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September 21, 2015 BANKERS DIGEST Page 9

N E W S W A T C HARKANSAS

Bear State Financial to Close MO Bank Deal in 4th Quarter

Simmons Donates Closed Wilmot Branch Facility to City

Simmons First National Corp. an-nounced recently that it has donated a former (closed) branch bank facil-ity at 418 Main St. (U.S. Hwy. 165 S.) in Wilmot to the city of Wilmot to be used as a municipal building. Simmons acquired the Wilmot branch in 2014 as part of the acquisi-tion of Delta Trust & Bank Corp. of Little Rock. Delta, in turn, had acquired the Wilmot State Bank in September 1996.

Carolyn Harris, the mayor of Wilm-ot, said the donation “will make a great impact in our city. The facility will pro-vide much-needed office space for our city personnel, including the water de-partment, police department, city trea-surer, and mayor. The area adjacent to the bank will serve as storage space. In addition, the vacant concrete slab is ideal for a farmers’ market that we will complete by the summer of 2016. “This location provides safer access for those needing to conduct busi-ness,” including senior citizens, Harris said Q

Bear State Financial Inc., the parent company of Bear State Bank, both of Little Rock, and Marshfield Invest-ment Company, the parent company of Metropolitan National Bank in Springfield, MO, have received all necessary approvals required to con-summate the stock and cash transac-tion and expects to close in the fourth quarter of 2015. As of March 31, 2015, Metropoli-tan National Bank had approximately $442 million of total assets, $340 mil-lion of net loans, and $375 million of

deposits. The combined enterprise would have approximately $2 billion in total assets Q

Page 10 BANKERS DIGEST September 21, 2015

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FHA HUD UNDERWRITERS AND ORIGINATORS. MAP and / or LEAN experience required. Experienced underwriters may have an oppor-tunity to move immediately into an originator role. (Nationwide). Also DUS Lender in Dallas – FHA, Fan-nie, Freddie Multifamily Originator. Please call and send resume to Kev-in 214-515-7606. Kevin@Babich.com. All inquiries confidential.

CHIEF CREDIT OFFICER needed for a community bank in rural NM. 8-10 years of experience working with a dis-tressed bank. Email elizabeth@babi-ch.com or call me at 214-515-7609.https://www.linkedin.com/in/elizab-ethmurphy10 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.

COMMERCIAL LENDER Texas Hill Country: Independent bank has op-portunity to inherit portfolio and live and work in picturesque, family-friend-ly community without big city hassles. Mark Mitchell, Lone Star Search, 972-335-9009, lonestarsearch.net.

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September 21, 2015 BANKERS DIGEST Page 11

Citizens Bank of Edmond is seeking COMMERCIAL LENDER with at least three-five years lending experience; bachelor’s degree in Finance/Ac-counting or related field preferred. Individual will be responsible for developing a loan portfolio while ef-fectively managing commercial re-lationships. For more information or if interested provide your resume to kmerry@citizensedmond.com

Seeking BRANCH PRESIDENT: A Texas community bank with a pres-ence on the I-35 corridor seeks an experienced lender to take over management of a branch north of Austin. Qualified applicants must have experience in commercial and real estate lending, as well as hav-ing experience in relationship de-velopment. Please forward a letter of introduction which should in-clude a description of yourself, your current employment situation, and a brief history of your past experi-ence which you believe qualifies you as an applicant. Finally, include your personal beliefs regarding customer service. Letters should be forwarded to communitybankersearch@gmail.com.

Large independent financial insti-tution has an immediate full-time opening for a COMMERCIAL LEND-ING OFFICER in Victoria, Texas. Po-sition requires at least 10 years ex-perience in commercial lending with extensive knowledge of commercial lending regulations and procedures. College degree in finance, account-ing, or related field is required. Prior management and leadership experi-ence a plus. Individual must possess strong business development skills. Excellent salary and benefits. Quali-fied individuals may apply on-line at www.americanbank.com. Equal Op-portunity Employer.

West Texas State Bank of Snyder is seeking a COMMERCIAL LENDER WITH EMPHASIS ON AGRICULTUR-AL FINANCE. Prefer a minimum of 3 years experience. Reply to P.O. Box 1396, Snyder, TX 79550 or email mark@wtsb.com.

C L A S S I F I E DBRANCH LOCATION PRESIDENT opportunity for a community bank in East Texas with responsibilities for Ag-Commercial-Real Estate-Con-sumer lending. Established bank and wonderful community to live and work. Salary commensurate with ex-perience. Resume may be forward-ed to mcarter@fnbgilmer.com.

CREDIT ANALYST for East Texas community bank – responsible for analyzing business and personal fi-nancial statements and tax returns, completing analytical underwrit-ing summaries for new and existing borrowing relationships, comput-ing cash flow analysis, performing loan and portfolio stress testing, performing profitability analysis, and participating in loan committee meetings. Requirements include excellent writing and good verbal communication skills, Bachelor’s degree in finance, accounting, or related field, and minimum 1 year of credit analyst experience with a bank. Resume may be forwarded to mcarter@fnbgilmer.com.

Central Texas community bank is seeking a PRESIDENT/CEO. The bank is located in an attractive community near Waco, Texas. The position would be ideal for a Bay-lor University graduate with Central Texas ties, and the bank will con-sider providing the ideal candidate with an opportunity to acquire a controlling ownership interest in the bank. Please respond to bankers-digest@bankersdigest.com, subject line Box S-1.

CREDIT ANALYST –Fort Worth, TX - Responsible for analyzing busi-ness and personal financial state-ments and tax returns, completing analytical underwriting summaries for new and existing borrowing re-lationships, computing global cash flow analysis, performing loan and portfolio stress testing, perform-ing profitability analysis, managing appraisal ordering process, and participating in loan committee meetings. Requirements include excellent writing and good verbal communication skills, Bachelor’s

degree in finance, accounting or related field, and minimum 1 year of credit analyst experience with a bank. Complete job description can be viewed at www.worthington-bank.com. Please send resume to careers@worthingtonbank.com

Well-capitalized Oklahoma bank seeks a seasoned executive with strategic vision to serve as CHIEF LENDING/CREDIT OFFICER. Posi-tion is responsible for the admin-istration of the lending function and oversight of the loan portfolio, including business development, lender mentoring, credit quality, and risk analysis. The successful candidate will possess a degree with 10-15 years of experience with an emphasis in all aspects of com-mercial lending. Please reply in confidence to bankersdigest@bank-ersdigest.com, subject line Box S-2.

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Public hunters pursuing feral hogs at Cooper Wildlife Management Area in northeast Texas stumbled upon a sophisticated marijuana growing en-campment having more than 6,500 mature plants with a street value esti-mated at more than $6 million. Alerted by the hunters, Texas Game Warden Captain Steve Stapleton led a multi-agency investigation of the well-established site tucked away in a remote swampy area of the 14,480-acre WMA about 70 miles northeast

of Dallas. An extensive search of the area from the air and on the ground by game wardens, Delta and Hopkins County Sheriff’s Offices, Texas De-partment of Criminal Justice tracking dogs, and Texas Department of Pub-lic Safety troopers netted no arrests. Officials destroyed all the marijuana on site and seized the property and equipment. “The destruction to the habitat and the damage these people did to the environment is probably the worst part,” said Texas Game Warden Chris Fried. “They cut mature hardwood

trees and cleared parts of a levee that will take many years to recover. The chemicals they sprayed contaminated the soil and eventually the streams and will have lasting impacts.” In all probability, the growers would have harvested their crops and left prior to the archery deer season opener in early October. “They would’ve folded up shop by October 1 ahead of archery deer sea-son opening, but obviously didn’t figure in the opening of teal and feral hog hunting season in mid-Septem-ber,” Stapleton noted Q

TX Game Wardens Destroy $6 Million Marijuana Farm