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Independent Banker


Independent Banker

Texas State Bank executives—Vance Jones, left, executive vice president of financing at Texas State Bank, and Gary Cox, the bank’s president, say town bank’s proceeded lending success is dependant on neighborhood control and individual attention.

Diversity Plugs Oil Influence in West Texas

Variety helps maintain an economy healthier, and San Angelo, Texas, has it. The economy of this western Texas city is running on Goodfellow Air Force Base, Angelo State University, two major hospitals, cotton agriculture together with oil industry. Thus it is not surprising that Texas State Bank, the only community bank chartered in San Angelo, has enjoyed solid development in its financing business. Amount rose 7 per cent in 2014 and 10 % in 2013.

“One for the positives of San Angelo is this has maybe maybe not been a growth or bust environment,” claims Gary Cox, president associated with the $260 million-asset community bank. “It’s always kind of steady.”

The variety regarding the community is mirrored in Texas State Bank’s loan profile: 41 per cent commercial or commercial property, 30 % domestic mortgages, 20 percent agricultural, 5 per cent construction and land development, and 4 consumer installment credit that is percent.

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