![]() ![]() Lee of Piper Jaffray.Įnnis State Bank DBA Trinity Capital Bank of Texas Here are the top-performing community banks in North Texas, according to an analysis by Dallas investment banker C.K. “Today, by using technology, we can reach more low-cost depositors without overhead from bricks and mortar facilities.” “At one time, a bank’s only choice to be convenient was to have a physical office or branch near prospective customers,” says David Baty, president and CEO of the $256.4 million asset shop. Take Frisco-based Texas Republic Bank, whose charter dates to 1891-the oldest in Collin County. “If you manage the credit risk, the income statement will take care of itself,” he says.īut what distinguishes this dozen is an ability to successfully shift their business models as regulatory and market factors have changed the formula for community bank prosperity over the last 10-plus years. To prevent today’s high-profit loans from turning into tomorrow’s bad debt, bank leaders must focus on building the right kinds of loans, loan structures, and customers, says Lee, who helps financial services companies put together deals like mergers, acquisitions, and capital raises.
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