DUE TO INCREASING FRAUD, YOU MUST ENTER YOUR PIN # OR GO INSIDE GAS STATION TO GET GAS. ALSO, PLEASE NOTIFY US IF YOU ARE TRAVELING OUTSIDE OF THE U.S. YOUR DEBIT CARD WILL NOT WORK WITH PURCHASES OUTSIDE OF THE UNITED STATES.

Please set up your email or text info under preferences.  The challenge questions will go away and be replaced by this multi factor identification.  They will send a verification code to your email/cell phone.  The passwords will not change. Thank you

New Website-Please use your same login and password, select the contact method and a verification code will be sent to that contact method.  Please enter the code and scroll down and click submit.  Thank you for your patience during this process. 

Please be alert to scams.  Contact your bank directly if you come across something suspicious.

If you have trouble logging into your online banking, please try a different browser than Internet Explorer, like Chrome or Firefox.  It should work then.  If not, please contact us at 903-843-5653.  Thanks.

Statement of Condition

Condensed Statement of Condition, December 31, 2018
(in thousands of dollars)

Assets

Cash and Due from Banks
$22,638
Securities
$31,083
Total Loans
$151,516
Premises / Fixed Assets
$1,498
Other Assets
$3,798
Total Assets
$210,533


Liabilities & Equity


Deposits
$180,170
Other Liabilities
$1,777

Common Stock

$500
Surplus 
$1,500
Undivided Profits
$26,586
Total Liabilities & Equity
$210,533



Officers

Edwin P. Herrmann
Chairman of the Board
Larry Cowan
Vice Chairman
President & CEO
Senior Vice President & CFO
Senior Vice President & Auditor & COO
Senior Vice President
Vice President
Vice President, Senior Lender, CFO
Manager/Special Assets
Admin Asst. to President
Admin Asst. to President
Admin Asst. to Mortgage Department
Asst. Cashier & Asst. Compliance/Audit
Asst. Cashier
Sabrina Kelley
Asst. Cashier
Asst. Cashier
Tina McCurry
Asst. Cashier
Asst. Cashier
Misty Owens
Cashier
Director of HR


Directors

Larry Cowan
John Dean
Randy Duke
David Griffith
Roy Harris
Edwin P. Herrmann
Gary Patterson
Steve Sansom
Kenneth Stewart
Steve Stewart
William F. Patterson, Honorary