We Need Your Help

Over the last week, IBAT has heard from many bankers who have been surprised to learn that the number of borrowers with EIDL advances (which will be deducted from their PPP forgiveness) is greater than they anticipated.

For several months, IBAT has been sounding the alarm to the SBA, Treasury and Congress to highlight the difficult and uncomfortable position in which this leaves lenders who must inform their borrowers that a balance remains on their PPP loan.

Bills have been introduced in Congress designed to fix this issue and remove the EIDL advance impact on the forgiveness calculation. IBAT is supporting ICBA’s grassroots efforts to address this issue with a call to action for both bankers and PPP borrowers. At this point, the bill is silent on whether its effects (if passed) would be retroactive. This presents a strong case for borrowers who received an EIDL advance to hold off on application for forgiveness, in the event Congress changes the treatment of the EIDL advance in the forgiveness process. IBAT has also prepared a template letter for banks to use to communicate the forgiveness decision in instances where the EIDL amount has been deducted.

Honoring Community Banks

Community Banks Across Texas Honored With
Best of Community Banking Awards

IBAT Recognizes Member Banks’ Impact on Their Communities

AUSTIN, TX—The Independent Bankers Association of Texas (IBAT) recently honored 17 Texas community banks with Best of Community Banking Awards (BOCB). This year marks the 29th annual celebration of the outstanding accomplishments of IBAT member banks and the critical role they play in communities across Texas.

“Community banks do so much for their customers, neighbors and employees but aren’t interested in receiving credit for these efforts,” said IBAT President and CEO Chris Williston. “The Best of Community Banking Awards give us an opportunity each year to recognize our banks’ tremendous efforts—both in their banks and in their communities—to better the lives of those around them.”

The annual Best of Community Banking Awards honor IBAT member institutions with a gold, silver or bronze award in five categories: bank culture, community service, financial literacy, marketing and architectural design. A “Best of Show” award was given to the overall winner, and three “Community Spirit” awards recognized banks that made a particularly strong and lasting impact in their communities. Banks are judged on innovation and creativity, the number of people impacted and the success in fulfilling a community or internal need.

Best of Show/Gold Winner

  • Community Service: TFNB Your Bank for Life, McGregor (Charity Champions)

Community Spirit/Gold Winners

  • Community Service: First United Bank, Lubbock (Seniors First)
  • Financial Literacy: First Convenience Bank, Killeen (Dallas LIFE Partnership)
  • Financial Literacy: Texas First Bank, Texas City (Banking on Your Future)

Gold Winners

  • Bank Culture: Happy State Bank, Amarillo ("E3" Happy Employee Program)
  • Community Service: First National Bank, Wichita Falls (The 12 Trees of Christmas)
  • Financial Literacy: Fort Hood National Bank, Fort Hood (FHNB Financial Readiness Program)
  • Marketing: First National Bank Texas, Killeen (Digital Solutions Launch Campaign)
  • Marketing: First United Bank, Lubbock (EVOLVE Campaign)
  • Marketing: Independent Financial, McKinney (Rebranding to Independent Financial)
  • Marketing: Legend Bank, Bowie ("Don't Bank Alone" Holiday Movie Classic)

Silver Winners

  • Bank Culture: First State Bank, Gainesville (Living Out Our Mission Statement)
  • Bank Culture: FirstBank Southwest, Amarillo (Faith. Family. Bank.)
  • Bank Culture: Legend Bank, Bowie ("Maintain, Don't Gain" Holiday Wellness Challenge)
  • Bank Culture: Texas First Bank, Texas City (Rethinking the Employee Rally)
  • Bank Culture: Woodforest National Bank, The Woodlands (Servant Leadership and Response to COVID-19)
  • Community Service: Brady National Bank, Brady (BNB Spirit)

Bronze Winners

  • Bank Culture: Brady National Bank, Brady (BNB Culture)
  • Bank Culture: FirstCapital Bank of Texas, Midland (Keeping Bank Culture Alive)
  • Community Service: Industry State Bank, Industry (Community Service Amidst COVID-19)
  • Marketing: First State Bank, Gainesville (Neighbors First)
  • Marketing: Happy State Bank, Amarillo (Open an Account in Five Minutes)
  • Marketing: Texas Citizens Bank, Houston (Houston Heroes)

All BOCB gold, silver and bronze submissions can be viewed here.

2020 Charity Champions

We’re pleased to announce that TFNB Your Bank for Life received the Best of Show award in this year’s BOCB Awards for it’s Charity Champions program. Watch the video about this program designed to ‘help those who help others’—one of bank’s core values. Congratulations to TFNB!


IBAT is pleased to announce 2020 IBAT unCONVENTIONal – a fall lineup that includes events, education and connections. Join us for the Silent Auction, Live Auction & Songwriters' Showcase that kicks off on September 14. Then enjoy unCONVENTIONal keynote content for three afternoons in October. Next is Ed. @ Your Desk, a series of more than 25 educational sessions that will be offered on Tuesdays and Thursdays throughout the fall. Lastly, launching in November is VendorConnect that will provide bankers with the ability to “shop” with the vendors for products they want to learn about, while only committing to brief, 15-minute meetings with those providers they select.

Learn more about each unCONVENTIONal component and register today.

Listen to IBAT President and CEO Christopher Williston discuss this exciting new event.

Compliance Pathways

Compliance Pathways, IBAT’s newest member service, offers a collection of practical tools, resources and training modules created by the best of the best in bank regulatory counsel to help your team overcome the daily challenges of community bank compliance. Compliance Pathways offers 100-plus years of community bank knowledge and experience from our staff to help bring clarity and confidence to your staff. Learn more.

Credit Consultation Hotline

As IBAT recently added an accomplished 30-year credit officer (Christy Hester) to our staff, beginning today we will be offering a Banker Hotline for members as they manage through the current upheaval within our markets and communities. 
Christy Hester is available to answer questions, offer guidance and provide tools for portfolio analysis, loan grading, workout situations, regulatory examinations and a variety of other credit administration issues. Christy may be reached at 512-677-9248 or chester@ibat.org during business hours.