Magazine article Independent Banker

Do What You Say

Magazine article Independent Banker

Do What You Say

Article excerpt

My father and grandfather and greatgrandfather passed down a simple principle as parents and as the presidents of Citizens National Bank of Texas: Do What You Say You Are Going To Do.

The cornerstone of building a strong value system begins with having the integrity to stand solidly behind the promises you make to your customers, communities and employees. It is not just a responsibility a community bank president must possess; it must be the moral compass that everyone working at Citizens National Bank of Texas uses to dictate the direction they follow, a direction we have followed since 1868.

At CNB, we don't believe all banks are the same. We may offer some of the same products and services, but we want to build relationships with our customers and work as partners. We stick by them in bad times and help them prosper in good times. We believe this kind of commitment to our customers, listening to their needs and goals, serving them at the first point of contact, and always bringing them the very best in technology to help safeguard their finances is what has led to our success.

We are fortunate to be located in Texas where the latest economic downturn was not felt as severely as other parts of the United States. During the downturn and recovery, we were able to work with our customers and steer them through some of the toughest times. Even with the regulatory stress put on banks during that time, we were able to manage our portfolio to the benefit of the bank and our customers. Because of that, CNB, our customers and our communities have seen great returns. …

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