We are a friendly, professional bank committed to providing the best banking experience possible. We call it "Banking like it oughta be!" As a true community bank, we offer a full complement of products and services to meet your needs.
We are extremely proud to be celebrating over 125 years in business and as the oldest bank charter operating in Hardeman County, Texas, we have a tremendous heritage to carry us into the future. Truly a rare breed in this day, we are a locally owned and locally managed community bank with deep roots in the communities we serve. Our goal is to provide you with the best banking experience possible; it’s what we call “Banking like it oughta be“.
The origins of our bank date back to the year 1891 when the bank was chartered to serve the needs of Texans looking to grow, develop, and build a strong community for the future. We know that it makes a difference to our customers that the ownership and management of our bank is composed of local investors. Furthermore, our guiding principles are: Common Sense and The Golden Rule. We live here, we serve in civic clubs here, our kids go to school here, we go to church here, and we invest here.
Our bank has one of the strongest capital ratios of any bank in the state of Texas, and easily one of the strongest, most experienced board and management teams for a bank our size. What does this mean for our customers? It means that you can have confidence that we have the financial staying power to serve you for the long haul, and that you are dealing with experienced bankers who have the authority to make a decision. Click on the link to the left for information on our management team.