Team

42 years after beginning his community banking career, CEO Ronnie Miller continues to be an advocate for our industry. In addition to working for various community banks over his career, Ronnie has spent time representing community bankers as the Independent Bankers Association of Texas Chairman and is a member of the Bank CEO Network. Ronnie believes that community banks play a pivotal role in the growth and economic stability of our communities. In his time outside of the office, Ronnie is an active member of his local church and sits on the board of the local Economic Development Foundation.

Breanne began her banking career in her hometown and over the last 20+ years has had the opportunity to serve several Medina County communities as part of the community banking family.

Buddy Woolls has devoted his life to community banking, but more notably community banking in the community that raised him. Buddy was born and raised in Medina County and has spent the last 38 years serving as a community banker. If you can’t find Buddy at the bank, he can generally be found at the local football game or helping with any number of civic organizations that he’s involved with. No matter if you are looking for an Agriculture loan or real-estate loan Buddy can provide the financing that best fits the needs of you and your business.

David has been a lender since 2007 with most of his banking career devoted to commercial real estate lending. David has been with TXN Bank since 2023.  

Olen grew up in the Upper Nueces and Sabinal Canyons, then earned 19 years of banking experience in the Houston area before returning to Hondo to be closer to family. The past 26 years in Medina County have made him realize the true benefits of community banking and all it does for those it serves.

Michelle moved back to her hometown in 2014, where she began her banking career as a Custom Service Representative.  Over the past decade, she has advanced through roles of increasing responsibility by demonstrating strong leadership and expertise.  She is passionate about efficiency and building effective processes that support both employees and customers.  As Chief Operations Officer, she provides strategic leadership and helps guide the organization toward continued growth and excellence.  She is proud to serve the community she calls home.

Oscar began his banking career in Hondo in 2004 as a courier. Over the last 20+ years he has worked in numerous areas of the bank such as the teller line, new accounts services, deposit operations, security, audit operations, BSA and now oversees the compliance function of the bank as the Chief Compliance Officer.

“Community Banking has given me the opportunity to work, grow and raise a family in the community that I was raised in.”

Ashley has been in banking for more than a decade and understands the ins and outs of credit. She is a UTSA alumnus with a bachelor’s degree in business finance and a 2022 SW Graduate School of Banking Graduate. She started her career in banking by underwriting and processing loans, later progressing to credit analysis and has now been in a position of management within the credit department for the last several years. She takes pleasure in serving the community that she has grown up in.

After more than 25 years of banking experience across North and East Texas, Gary now calls Medina County home, where he continues to deliver tailored financial solutions to small and mid‑sized businesses. With a deep understanding of the unique needs of local entrepreneurs, he partners closely with clients to structure personalized lending options—from equipment financing to commercial real estate loans—ensuring each business has the resources it needs to achieve its goals. Gary’s commitment to community development drives his focus on building long‑term relationships and supporting the continued growth of the local economy.

With over a decade of banking experience and 20+ years in customer service, Kaci is passionate about community banking. She is dedicated to providing exceptional service, building strong customer relationships and training future banking leaders. Kaci also enjoys serving her community from educating youth on financial literacy to volunteering at local events. Whether in the bank or in the community, Kaci leads with heart, integrity, and a passion for making a meaningful difference.

In her 31 years of community banking, Leah Garrett has worked in all areas of the banking industry including, vault, teller, ATM operations, new accounts, payroll, auditing and finance, physical security, and fraud. Leah specializes in fraud and debit card loss prevention. Leah lives in Lubbock and works remotely from Hondo.

Max began his IT career in 2018 as an IT Specialist with the Hondo ISD before joining the bank in 2021 as IT Officer. A Hondo native, he is proud to support quality local banking through his focus on operational efficiency and security. Max holds multiple industry certifications and stays current on emerging technologies and evolving regulatory requirements.

Annette was born and grew up in Medina County.  Her career in banking and finance began 27 years ago.  She started in Commercial Banking working in different areas of back-office management.  In 2007 she left the larger bank and started working in Hondo. She has spent time in numerous areas including accounting, loan administration and investments.  

Julia was born and raised in Medina County and has spent the last 15 years proudly serving as a community banker. Julia started off as an Administrative Assistant and has worked her way into the HR role. She is passionate about her day-to-day duties dedicated to ensuring that the Bank can meet its objectives by having the right workforce in place. Julia assists management with employee relations and promotes a positive and team-oriented work environment. Julia enjoys helping with community events through various organizations and plays a vital role in encouraging employees to be active in their own communities. Her friendly and welcoming nature is always ready and willing to assist you with your employment needs.  

“A workplace can contribute to its community by empowering the people who work there to seek their full potential.”

Leslie started her career in banking in 1982 and has worked in numerous bank positions from teller, new accounts, bookkeeping, assistant branch manager, operations and loan officer. Leslie can be found dedicating time to her community through various civic organizations.

Amy Wickliffe has over 30 years of banking experience.  She began her career in Victoria and subsequently moved to Bastrop.  She spent 15 years working for a community bank in Bastrop at different positions within the accounting department.  She moved to Medina County in 2021 and began working with TXN Bank in 2023.   Amy enjoys supporting the TXN Bank team as we make a difference in our community.

John started his career in Banking in 2019 as a loan officer.  He is a SWT alumnus with a bachelor’s degree in chemistry and a minor in Math.  He has extensive experience in residential and commercial building, outside sales, and customer relations.   Outside of the bank he enjoys serving his community and church. 

Joseph began his banking career in Uvalde in 2004 and has worked in numerous areas of the bank including as a teller, in customer services, new accounts, loan processing and now lending.

“As a loan officer I take pride in helping the customers in my community with all of their needs.”

Serving south Texas is a way of life for Lott. Having grown up in a South Texas ranching family, Lott understands the unique needs of both agricultural and commercial borrowers. Lott has dedicated 12 years as a community banker and spends time outside of the office on the ranch and volunteering with various civic organizations in and around Uvalde County.

Elizabeth has built a strong and well‑rounded career in banking since 2011, progressing from teller to commercial lender. With a solid foundation in financial services and a BA in Accounting from Texas A&M – San Antonio, she brings both knowledge and experience to every client interaction. Elizabeth is deeply committed to serving her community by helping individuals and businesses navigate their financial needs with care, integrity, and trusted guidance.

Suzanne Heiligman has 40 years of banking experience. She began her career in the Austin and San Antonio area before returning to her roots in Medina County in 1992. Suzanne has worked in numerous departments within the bank and prides herself on being a true community banker.

“I am glad to be part of our growing community and would love to continue serving your financial needs.”

In her 30 years of  banking experience Pam Fugate has worked in all areas of the bank including new accounts, operations and now lending. Located in the Lytle location, Pam specializes in making your dreams of a new home a reality as a TXN Bank Mortgage Loan Officer.

In her 25 years of community banking experience Holly Boyle has worked in all areas of the bank including new accounts, operations and now lending. Located in Castroville, one of Texas’ fastest growing areas, Holly specializes in making your dreams of a new home a reality as a TXN Bank Mortgage Loan Officer.

Melaine began her banking career in 2018 as a teller and now serves in an operations role managing the tellers at our TXN bank locations.

She is dedicated to watching her team strive, grow, and succeed while serving our community with their financial needs.

Clara has over 33 years of banking experience. She has worked in all areas of banking including teller, customer service, new accounts, loan processing, deceased client services, and now handles the bank operations of all tellers/CSRs at the Lytle branch as the Assistant Vice President/Operations Officer. Clara enjoys helping the community with all their banking needs.

Joe has been in banking since 1994 working in multiple areas of the bank from the teller line to the credit department and now as a Consumer Lender. He enjoys helping customers in any way he can and doing his best to go above and beyond for them at all times.

Brenda began working in the banking industry in January of 1991.  In the past 34 years, she has gained knowledge in several banking areas including teller, bookkeeping, customer service, new accounts, CDs, IRAs, Vault, ATM, ITM, daily bank operations and consumer lending.  Being located in Leakey, she has been able to help customers in the hill country Tri-Canyon area.   Brenda’s daily goal is to help all customers with any banking issues they may encounter. Her bilingual skills have allowed her to help and gain Spanish-speaking customers for the bank. Brenda enjoys volunteer work and finds it is a great way to meet new people and make long-lasting friendships.

Zachary joined the Bank in 2023 and has quickly become a trusted resource for customers seeking thoughtful relationship-driven banking solutions. Zachary was raised in Hondo and a graduate of Texas Tech University with a Bachelor of Science. Zach began his banking career in Treasury Management, where he helped develop the bank’s commercial relationships and product offerings. He now serves as a commercial lender bringing his experience, local insight and strong relationship-building skills to provide tailored lending guidance. Outside of work, Zach enjoys staying active in the community and spending time with the people who make this community home. 

Anna has over 34 years of banking experience in all areas of the bank starting out as a teller, working as a CSR in New Accounts, Administrative Assistant, Loan Processor and Loan Funding Specialist.  Now she oversees and manages a team of talented, supportive and positive individuals whose skills and positive energy contribute to the success of this great organization. 

“As a life-long resident of Hondo, I am ecstatic to be a part of this great community we serve and playing an active part in my local church.” 

Rebecca started her banking career 14 years ago. She began as a teller/customer service rep/new account specialist at our Hondo branch.

Rebecca enjoys lending a hand in our community and taking part in many community events and fundraisers. At TXN Bank, her focus is serving our customers with all their banking needs-from the student opening their first checking account to helping parents with next stages in life.

“Teamwork makes a Dream work”

Amanda grew up in Bandera and graduated from Bandera High School in 2002. She has been in banking for 7 years. She started in the loan processing department, specializing in processing agriculture loans, and was promoted to our Bandera Branch in 2023 where she serves as the Operations Officer. Amanda enjoys seeing her customers every day and providing them with the best banking experience. She believes in providing excellent customer service to each person who walks through her lobby doors.  

Alyssa began her banking career in Lytle in 2019 as a teller. Over the last six years, she has worked numerous areas of the bank such as teller, loan department, collections, and now oversees consumer lending. Located in Lytle, Alyssa is ready to assist you with your financial needs.

Carolyn moved from West Texas to the Hill Country in 2004 to continue with her banking career, which has spanned over 40 years. She has served the communities she lived in through Chamber involvement and various committees. She began as a teller and has been in management for the past 20 years. The thing that she finds most rewarding is being able to help people with their banking needs.  

Tyler, a native of Hondo, Texas, is a proud graduate of Texas State University. In 2026, he joined TXN in appraisals and inspections, bringing strong relationship-building and project management experience back to his hometown community. As a father of three, Tyler is deeply rooted in Hondo and passionate about serving the area that shaped him. He is committed to contributing his skills to support the continued growth and success of the community.

Maria began her banking career in 2017 in Uvalde, proudly serving the surrounding communities. Over the years, she has gained diverse experience across Teller Operations, Fraud Prevention, Branch Liaison, and Project Management. Today, as a Treasury Management Officer, she specializes in developing strong client relationships and delivering strategic treasury solutions that support business growth and long-term success.

Misty began her banking career in 2022 at TXN Bank where she was pivotal in the implementation of TXN Bank’s Call Center. She then transitioned into a Teller/New Accounts position and is presently the Operations supervisor in Uvalde. Misty looks forward to helping the community along with her staff and building long-lasting banking relationships.