Why Bank with a Community Bank

Local People. Local Decisions. ^SM

Austin Bank prides itself on being a community bank where local people make local decisions.  There really is a difference in the way we do business and you can see it every day in our commitment to our customers, our employees and the communities we serve.

We believe the community bank model is one of America’s greatest strengths, where local knowledge and skill combine with trust and integrity to form partnerships that build and strengthen our communities.  "In the 121 years that Austin Bank has been serving East Texas, we have never forgotten that we are, first and foremost, a community bank," states Jeff Austin, Jr., Senior Chairman of the Board.  "Working hard each day doing what is right for our customers and communities, we hold fast to the core values on which our Bank was founded:  honesty, service, integrity and confidentiality."

Why a community bank?

No matter what your financial picture looks like, your banking relationship is an important one.  When choosing a bank, you must consider the personal benefits you will receive - the products offered, availability of locations and ATMs, along with other criteria that matters to you.  But, it is also important to weigh the value of supporting a local institution in your community.  

1. Community banks play a vital role in the markets they serve and are an integral part of the local economies.
   The money being managed at your local Austin Bank is re-invested in the community through loans and other financial services for individuals, families and small businesses.  When you bank with Austin Bank, you increase our ability to offer competitive mortgages and small business loans.

2. Local people making local decisions.
   Our lenders know the area and unique aspects of the different markets throughout East and Southeast Texas.  This gives them the flexibility to adapt loan programs to meet the needs of the local area.

3. Community banks focus on "relationship banking."
   Austin Bank has long prided itself on the level of customer service it provides.  Offering a variety of products, we are able to service you with multiple accounts and high levels of personal service.  Our employees work and live in the communities we serve and you will often see them out at the local high school games or shopping in the same stores as you.  You are more than simply an account number to us.

4. Partnering with a community bank provides additional benefits to local businesses.
   Local decision making allows for quicker loan processes.  In addition, Austin Bank provides a collaborative approach to help businesses find success, thus serving as a partner to the business in all aspects.

5. A community bank provides focused community service and philanthropic efforts.
   Austin Bank's allegiance to the communities it serves manifests itself through contributions in direct support of local education, the arts, literacy, health and housing needs as well as countless hours of volunteer service given by Austin Bank employees.  Employee participation is encouraged in civic organizations throughout their communities and many serve as Board members of non-profit entities sharing their knowledge and leadership skills.

A stable community bank is the financial foundation of our country.  It keeps money local and the focus on people, relationships and opportunities.  We believe there will always be an important role for strong, stable community banks.