Management
Charles S. "Bud" Heflin
President and Chief Executive Officer
Heflin has a bachelor's degree in psychology from the University of North Texas and an MBA from the University of North Carolina at Charlotte. An active tennis and baseball player, he has over 35 years of experience in banking, lending and factoring.
Mike Nichols
Chief Financial Officer
Nichols has spent over 30 years in bank management, serving banks ranging from $15 million to $4 billion in assets. At his previous post, the bank he managed was named the best independent bank in the country by Money Magazine in 2002. He is a graduate of the University of Texas at Arlington and the Southwestern Graduate School of Banking at Southern Methodist University. His philanthropic work includes providing financing and founding leadership for Women in Need, a shelter for battered women, and chairing the United Way Campaigning in Dallas and Hunt County.
Mary Rettig
Senior Vice President, Working Capital Finance Group
Rettig is a 30 year veteran in the banking and finance industry. Her area of expertise is entrepreneurship and small business. Her department, Working Capital Finance, provides working capital loans and credit facilities to companies from start-up through maturity.
Donald M. Hardy
Senior Loan Review Officer
Hardy graduated from Southern Methodist University and served in the United States Marine Corps. He has over 30 years of experience in commercial lending.
Emily Whitsett
Relationship Development
Whitsett graduated from Southwest Texas State University. Her extensive marketing and events background makes her a natural at building relationships with our customers.
