Every day, I watch something that no algorithm can replace. In our community bank here in Lubbock, customers and employees engage in genuine conversations about their businesses, busy lives, and even the little league game from two nights earlier. While topics vary, one thing remains consistent: the inimitable warmth and authenticity of community banking. It’s a simple reality in many Texas communities, but it represents something profound that we’re at risk of losing because of the rush toward digital everything.

Growing up in a ranching family, I learned that relationships are cultivated over time and span generations. Your word out here is your bond, and trust is earned through the quality of your character. Those values are consistent with community banks, the foundation of how we ser

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