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General Disclosures

Financial information about this bank is available to customers, shareholders, and the general public on request. In accordance with Federal regulations to facilitate more informed decision making by depositors, and the general public, we will provide an Annual Disclosure Statement containing financial information for the last two years. This information will be updated annually and available as of April 10 through any of our banking centers.

Notice of changes in temporary FDIC insurance coverage for transaction accounts

All funds in a “noninterest bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules.

The term “noninterest bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts (“IOLTAs”). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit

Funds availability policy

Our general policy is to allow you to withdraw funds deposited in your account immediately. In some
cases, we may delay your ability to withdraw funds. Then, the funds will generally be available by the
second business day after the day of deposit.

Effective 02/22/2022:
We are required to provide next day availability for the first $225.00 of a deposit. We reserve the right to place a case by case hold on a check deposit.

TXN Bank, N.A. ID# 440235

Secure and Fair Enforcement Licensing Act of 2008

Title V of the Housing Economic Recovery Act of 2008, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (S.A.F.E. Act or Act) is intended to improve the accountability and tracking of residential mortgage loan originators (MLOs), provide protection for consumers, reduce fraud, and provide consumers with information regarding MLOs. Registration is required for mortgage loan originators who work for an agency regulated institution.

The following website will provide you with information about all mortgage loan originators who are either licensed and/or registered:

The registered mortgage loan originators employed by TXN Bank, N.A., Bank ID# 440235 are listed below with their unique identifier. This identifier will be required to access the information pertaining to a particular mortgage loan originator.

Mortgage Loan Originator NameMLO Unique Identifier
Holly M. Boyle1122540
Jose Contreras III1698472
Pamela Fugate1202700
Breanne N. Granberg451259
Roland M. Luna554715
Raymond A. Padilla1764672
Elizabeth Resendez1945135
Jorge Rivera1950192
Newell E. Woolls Jr.450181
Benjamin L. Pruitt Jr.730040
Joseph Flores1144910
Brenda J. Gonzalez1085932
Leslie A. Monette1543803
Billy L. Whitwell460333
Margie K. Montague404302
John F. Chapman1849113
Brandi N. Leigh948312

Home Mortgage Disclosure Act notice

The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and application; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials.

HMDA data for many other financial institutions are also available online.

For more information, visit the Consumer Financial Protection Bureau’s website at

Consumer Complaint Notice

TXN Bank N.A. 1502 Ave. M

Hondo, TX 78861

TXN Bank N.A. is nationally chartered and subject to regulatory oversight by the Office of the Comptroller of the Currency (OCC). Any consumer wishing to file a complaint against TXN Bank N.A., or any of its branches, should contact the OCC in person or by mail.

Branch Locations: (Hondo Main Office, Bandera, Blanco, Castroville, Lacoste, Leakey, Lytle & Uvalde)

Office of the Comptroller of the Currency Customer Assistance Group (CAG)

1301 McKinney St.

Suite 3450

Houston, TX 77010-9050

Phone Number: 1-800-613-6743 (toll free) Fax Number: 1-713-336-4301