Independent Banker - February 2024 - 63

A
group seeking to charter a new bank in a Houston suburb
received a colorful question from a regulatory authority a few
years ago.
" He just looked us straight in the eye and said, 'Do you
need a psychological examination?' " recalls David Roth, the
consultant who did the business plan and assisted with the
regulatory application for what would become $220 millionasset
Texas Traditions Bank. " I don't know if the jury's in on
that verdict or not yet. "
Roth, who subsequently became CFO of the Katy, Texas-based
bank, surmises the unexpected inquiry wasn't just about entering
banking amid an unfurling pandemic.
" I think there was an element in his role that it really sounds
cool to start a new bank and to be your own boss, but frankly it's
just a lot of work, " he says. " There's a lot of time and effort that
goes into the actual making it happen. "
These days, only a small number of bankers are embracing the
challenge of the de novo process even as the need for new banks
Pictured above:
Texas Traditions
Bank in Katy,
Texas, was
one of the 15
FDIC-insured
institutions
established
in 2022.

Independent Banker - February 2024

Table of Contents for the Digital Edition of Independent Banker - February 2024

Contents
Independent Banker - February 2024 - Cover1
Independent Banker - February 2024 - Cover2
Independent Banker - February 2024 - Contents
Independent Banker - February 2024 - 2
Independent Banker - February 2024 - 3
Independent Banker - February 2024 - 4
Independent Banker - February 2024 - 5
Independent Banker - February 2024 - 6
Independent Banker - February 2024 - 7
Independent Banker - February 2024 - 8
Independent Banker - February 2024 - 9
Independent Banker - February 2024 - 10
Independent Banker - February 2024 - 11
Independent Banker - February 2024 - 12
Independent Banker - February 2024 - 13
Independent Banker - February 2024 - 14
Independent Banker - February 2024 - 15
Independent Banker - February 2024 - 16
Independent Banker - February 2024 - 17
Independent Banker - February 2024 - 18
Independent Banker - February 2024 - 19
Independent Banker - February 2024 - 20
Independent Banker - February 2024 - 21
Independent Banker - February 2024 - 22
Independent Banker - February 2024 - 23
Independent Banker - February 2024 - 24
Independent Banker - February 2024 - 25
Independent Banker - February 2024 - 26
Independent Banker - February 2024 - 27
Independent Banker - February 2024 - 28
Independent Banker - February 2024 - 29
Independent Banker - February 2024 - 30
Independent Banker - February 2024 - 31
Independent Banker - February 2024 - 32
Independent Banker - February 2024 - 33
Independent Banker - February 2024 - 34
Independent Banker - February 2024 - 35
Independent Banker - February 2024 - 36
Independent Banker - February 2024 - 37
Independent Banker - February 2024 - 38
Independent Banker - February 2024 - 39
Independent Banker - February 2024 - 40
Independent Banker - February 2024 - 41
Independent Banker - February 2024 - 42
Independent Banker - February 2024 - 43
Independent Banker - February 2024 - 44
Independent Banker - February 2024 - 45
Independent Banker - February 2024 - 46
Independent Banker - February 2024 - 47
Independent Banker - February 2024 - 48
Independent Banker - February 2024 - 49
Independent Banker - February 2024 - 50
Independent Banker - February 2024 - 51
Independent Banker - February 2024 - 52
Independent Banker - February 2024 - 53
Independent Banker - February 2024 - 54
Independent Banker - February 2024 - 55
Independent Banker - February 2024 - 56
Independent Banker - February 2024 - 57
Independent Banker - February 2024 - 58
Independent Banker - February 2024 - 59
Independent Banker - February 2024 - 60
Independent Banker - February 2024 - 61
Independent Banker - February 2024 - 62
Independent Banker - February 2024 - 63
Independent Banker - February 2024 - 64
Independent Banker - February 2024 - 65
Independent Banker - February 2024 - 66
Independent Banker - February 2024 - 67
Independent Banker - February 2024 - 68
Independent Banker - February 2024 - 69
Independent Banker - February 2024 - 70
Independent Banker - February 2024 - 71
Independent Banker - February 2024 - 72
Independent Banker - February 2024 - 73
Independent Banker - February 2024 - 74
Independent Banker - February 2024 - 75
Independent Banker - February 2024 - 76
Independent Banker - February 2024 - 77
Independent Banker - February 2024 - 78
Independent Banker - February 2024 - 79
Independent Banker - February 2024 - 80
Independent Banker - February 2024 - Cover3
Independent Banker - February 2024 - Cover4
https://www.nxtbook.com/mspc/independentbanker/november2024
https://www.nxtbook.com/mspc/independentbanker/october2024
https://www.nxtbook.com/mspc/independentbanker/september2024
https://www.nxtbook.com/mspc/independentbanker/august2024
https://www.nxtbook.com/mspc/independentbanker/july2024
https://www.nxtbook.com/mspc/independentbanker/june2024
https://www.nxtbook.com/mspc/independentbanker/may2024
https://www.nxtbook.com/mspc/independentbanker/april2024
https://www.nxtbook.com/mspc/independentbanker/march2024
https://www.nxtbook.com/mspc/independentbanker/february2024
https://www.nxtbook.com/mspc/independentbanker/january2024
https://www.nxtbook.com/mspc/independentbanker/december2023
https://www.nxtbook.com/mspc/independentbanker/november2023
https://www.nxtbook.com/mspc/independentbanker/october2023
https://www.nxtbook.com/mspc/independentbanker/september2023
https://www.nxtbook.com/mspc/independentbanker/august2023
https://www.nxtbook.com/mspc/independentbanker/july2023
https://www.nxtbook.com/mspc/independentbanker/june2023
https://www.nxtbook.com/mspc/independentbanker/may2023
https://www.nxtbook.com/mspc/independentbanker/april2023
https://www.nxtbook.com/mspc/independentbanker/march2023
https://www.nxtbook.com/mspc/independentbanker/february2023
https://www.nxtbook.com/mspc/independentbanker/january2023
https://www.nxtbook.com/mspc/independentbanker/december2022
https://www.nxtbook.com/mspc/independentbanker/november2022
https://www.nxtbook.com/mspc/independentbanker/october2022
https://www.nxtbook.com/mspc/independentbanker/september2022
https://www.nxtbook.com/mspc/independentbanker/august2022
https://www.nxtbook.com/mspc/independentbanker/july2022
https://www.nxtbook.com/mspc/independentbanker/june2022
https://www.nxtbook.com/mspc/independentbanker/may2022
https://www.nxtbook.com/mspc/independentbanker/april2022
https://www.nxtbook.com/mspc/independentbanker/march2022
https://www.nxtbook.com/mspc/independentbanker/february2022
https://www.nxtbook.com/mspc/independentbanker/january2022
https://www.nxtbook.com/mspc/independentbanker/december2021
https://www.nxtbook.com/mspc/independentbanker/november2021
https://www.nxtbook.com/mspc/independentbanker/october2021
https://www.nxtbook.com/mspc/independentbanker/september2021
https://www.nxtbook.com/mspc/independentbanker/august2021
https://www.nxtbook.com/mspc/independentbanker/july2021
https://www.nxtbook.com/mspc/independentbanker/june2021
https://www.nxtbook.com/mspc/independentbanker/may2021
https://www.nxtbook.com/mspc/independentbanker/april2021
https://www.nxtbook.com/mspc/independentbanker/march2021
https://www.nxtbook.com/mspc/independentbanker/february2021
https://www.nxtbook.com/mspc/independentbanker/january2021
https://www.nxtbook.com/mspc/independentbanker/december2020
https://www.nxtbook.com/mspc/independentbanker/november2020
https://www.nxtbook.com/mspc/independentbanker/october2020
https://www.nxtbook.com/mspc/independentbanker/september2020
https://www.nxtbook.com/mspc/independentbanker/august2020
https://www.nxtbook.com/mspc/independentbanker/july2020
https://www.nxtbook.com/mspc/independentbanker/june2020
https://www.nxtbook.com/mspc/independentbanker/may2020
https://www.nxtbook.com/mspc/independentbanker/april2020
https://www.nxtbook.com/mspc/independentbanker/march2020
https://www.nxtbook.com/mspc/independentbanker/february2020
https://www.nxtbook.com/mspc/independentbanker/january2020
https://www.nxtbook.com/mspc/independentbanker/december2019
https://www.nxtbook.com/mspc/independentbanker/november2019
https://www.nxtbook.com/mspc/independentbanker/october2019
https://www.nxtbook.com/mspc/independentbanker/september2019
https://www.nxtbook.com/mspc/independentbanker/august2019
https://www.nxtbook.com/mspc/independentbanker/july2019
https://www.nxtbook.com/mspc/independentbanker/june2019
https://www.nxtbook.com/mspc/independentbanker/may2019
https://www.nxtbook.com/mspc/independentbanker/april2019
https://www.nxtbook.com/mspc/independentbanker/march2019
https://www.nxtbook.com/mspc/independentbanker/february2019
https://www.nxtbook.com/mspc/independentbanker/january2019
https://www.nxtbook.com/mspc/independentbanker/december2018
https://www.nxtbook.com/mspc/independentbanker/november2018
https://www.nxtbook.com/mspc/independentbanker/october2018
https://www.nxtbook.com/mspc/independentbanker/september2018
https://www.nxtbook.com/mspc/independentbanker/august2018
https://www.nxtbook.com/mspc/independentbanker/july2018
https://www.nxtbook.com/mspc/independentbanker/june2018
https://www.nxtbook.com/mspc/independentbanker/may2018
https://www.nxtbook.com/mspc/independentbanker/april2018
https://www.nxtbook.com/mspc/independentbanker/march2018
https://www.nxtbook.com/mspc/independentbanker/february2018
https://www.nxtbook.com/mspc/independentbanker/january2018
https://www.nxtbook.com/mspc/independentbanker/december2017
https://www.nxtbook.com/mspc/independentbanker/november2017
https://www.nxtbook.com/mspc/independentbanker/october2017
https://www.nxtbook.com/mspc/independentbanker/september2017
https://www.nxtbook.com/mspc/independentbanker/august2017
https://www.nxtbook.com/mspc/independentbanker/july2017
https://www.nxtbook.com/mspc/independentbanker/june2017
https://www.nxtbook.com/mspc/independentbanker/may2017
https://www.nxtbook.com/mspc/independentbanker/april2017
https://www.nxtbookmedia.com