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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, state town bank’s proceeded lending success is dependant on neighborhood control and attention that is personal.

Diversity Plugs Oil Influence in West Texas

Diversity assists in maintaining an economy healthier, and San Angelo, Texas, has it. The economy for the western Texas city is running on Goodfellow Air Force Base, Angelo State University, two hospitals that are major cotton agriculture additionally the oil industry. Thus it is no real surprise that Texas State Bank, the community that is only chartered in San Angelo, has enjoyed solid development in its financing company. Volume rose 7 % in 2014 and 10 % in 2013.

“One of this positives of San Angelo is the fact that it offers perhaps not been a growth or bust environment,” claims Gary Cox, president associated with $260 million-asset community bank. “It’s always kind of constant.”

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

Oil isn’t always king

Cox records that the oil industry, while pouring money to the grouped community during happy times, doesn’t hold sway in San Angelo enjoy it does in certain other Texas communities.