Less Stress, More Answers and Smooth Solutions

By Matt Kennedy
Marketing Coordinator

Development 2000 takes pride in offering “turn-key” service at every phase of development, from designing and building to property management. Knowing life is stressful, the company works to provide made-to-order service that is free of all hassle or worry. With this principle in mind, it sought a bank that would abide by their golden rule and eliminate any stress associated with obtaining a loan. They found Independent Bank and Chris Logue, President-Georgetown.

Commercial Construction BankLogue doesn’t work in a care-free way by any means, but that’s by design. Working diligently behind the scenes, Logue’s detailed work in preparing loans transforms into an effortless process when he’s presenting the details of the loan to clients like Development 2000. A style that is very apparent to John Bundy, Vice President of Development 2000.

“The ease of transactions for our commercial construction loans with Independent Bank was perfect,” Bundy said. “Chris is a total professional whenever we work with him and it’s nice to know we have someone like that on our side.”

The seamless nature of working with Logue continues even when he’s working on multiple projects. Logue obtained financing for Development 2000 on a 70,000 square foot logistics facility and a 13,000 square foot medical clinic around the same time period.

“Our commercial construction and permanent loans have allowed us to grow our existing commercial real estate portfolio significantly,” Bundy said. “With Logue we’re able to continue our growth without a hitch because the process is so simple.”

As business grows, Development 2000 relies on staying organized and looking beyond the short term. Responsible for a long-range real estate management strategy, the firm doesn’t settle for “today” or “tomorrow” decisions, it works to form decisions that last.

Writer Jennifer Yane once said, “I try to take one day at a time, but sometimes several days attack me at once.” Life can be stressful, especially when you are trying to balance today’s tasks with tomorrows. Bundy and Development 2000 work to achieve this balance by considering both short and long term objectives with clients. Chris Logue employed a similar strategy with Bundy and his colleagues throughout their loan process. The result – successful loans with less stress.

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Independent Bank is ‘On Air’ with Community Impact

By Matt Kennedy
Marketing Coordinator

Independent Bank’s presence on the radio is conditional. Not conditional in terms of contract length or list of privileges, but in that Independent Bank will only advertise on the radio if it’s coupled with a community sponsorship opportunity. Consistent with its Mission Statement, Independent Bank currently has a radio presence in three regions and has a community presence in each one, as it works to support projects of impact in each community it serves.

Radio Advertising Goals:

  1. Analyze - Evaluate opportunities of greatest need and select worthy radio partners
  2. Contribute - Listen to community impact ideas and provide the bank’s expertise
  3. Collaborate - Seek out other partners who can enhance effective community support
  4. Support - Give effectively and sponsor organizations that work efficiently
  5. Act - Live by Benjamin Franklin’s motto of “Well done is better than well said”

Active support of the communities Independent Bank serves is a direct pledge from its mission statement. With the three radio sponsorships below, Independent Bank is able to support education, limited income families and the military across three key regions it serves:

97.5 FM KLAK
Teacher of the Month/Year

97.5 KLAKEvery month, Independent Bank partners with El Dorado Chevrolet in McKinney to support and recognize area teachers who make a difference. These teachers are nominated by a principal, a student or a fellow teacher, and are selected by a committee from Independent Bank and El Dorado Chevrolet. The winning teacher gets a $250 check from Independent Bank, a $250 check from El Dorado, a plaque presented on air during the 97.5 FM KLAK morning show and earns a chance to win Teacher of the Year for an additional $500.

Hot 107.3 FM
Coats for Kids & Fan Drive

Hot 107.3 FMIn November, Independent Bank’s Sherman and Denison locations served as a community collection site for people to donate coats for local kids to use in the winter as part of the Hot 107.3 FM’s Coats for Kids campaign. The campaign was advertised on the radio in lieu of product-heavy spots. In June, Independent Bank sponsored Hot 107.3 FM’s Fan Drive involving the distribution of box fans collected from listeners and businesses for senior citizens, disabled and limited income families who might be having trouble paying summer electric bills. These fans were distributed via Meals on Wheels.

ESPN Austin 104.9 FM The Horn
The Real Heroes

104.9 FM The HornIndependent Bank is proud to sponsor The Horn’s Real Heroes segment during radio broadcasts of Texas Longhorn games. The regular segment features a story about the sacrifice of an active serviceman or veteran. The intent is to turn the focus away from actors, reality stars and athletes and towards the “real heroes.” Independent Bank is proud to support these brave men and women, honoring them as the reason for our freedom.  

Ready to Act:

Independent Bank is grateful for its current radio partnerships in the community and will continue to support similar causes. The bank works to be on the front lines of community support by going beyond mere donations to be actively involved in decision making or help through direct service.

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Advice, Business Knowledge and Friendship, all Part of the Package

By Matt Kennedy
Marketing Coordinator

The heart of MD Pediatric Associates’ business model is simple – care. The practice cares at all levels, offering care for patients, care for parents and care in growing its business. When looking for a banker, they sought someone who would care for them. They found Gary Lewis, Area President, at Independent Bank-Highland VLIVINGMagazine_7x4.5_FlowerMound_MDPedLewisAd_May2013_Fillage.

Since working with Lewis, MD Pediatrics’ team of four owners/doctors expanded their practice to add a location in Flower Mound, moved to a new location in Lewisville/Coppell, and increased the practice’s net earnings by over 100 percent.

“Our access to loans for the finish out of new locations and working capital has allowed us to continue the growth of our practice and add more staff,” Dr. Mark Holt said.

With each additional location, MD Pediatric ensured that patients always came first, never allowing the workload of growing its business to stand in the way. During this time, the trusted opinion of Lewis became valuable. Offering much more than loans, Lewis listens to MD Pediatric’s needs and provides straightforward knowledge built on past experience.

“We have a great relationship with Gary based on sound financial principles and practices,” Holt said. “Gary and his staff have amplified those principles with information-driven input and advice. He cares about our business and has helped position us for successful growth and responsible financial decision making.”

Unlike Lucy’s advice stand in the Peanuts comic strip, Lewis’ wise words don’t cost 5 cents per topic and are friendly and informative based on years of financial expertise.

“We appreciate the relationship we have with our banker,” Dr. Darla Kincaid said. “In addition to working together on our business, we have worked together for the improvement of our community. It is wonderful to have a banker who shares sound, conservative business values and whom I can call a friend.”

MD Pediatric has treated newborns to young adults for over 20 years and lives by the motto that it is “in the business of prevention.” Going beyond simple well visits to check on your child’s growth or vision, the doctors at MD Pediatric work to develop relationships and guide patients through healthy ways of life.

With Lewis on its side, MD Pediatric looks forward to offering its brand of caring, prevention-based medicine to even more patients in the future.

Independent Bank. A Partnership You Can Bank On.MemberFDIC_EqualHousingLender_2011

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Avoid Traffic, Bank Remotely, Save Money with RDC

By Matt Kennedy
Marketing Coordinator

With Remote Deposit Capture (RDC), you can avoid traffic and bank from your desk. Tailored to meet the needs of your business, RDC works to lessen hassle and stress. With the swipe of your check through our RDC scanner, processing begins to electronically deposit funds. This service serves as a welcome sight to those operating in high-traffic areas.

Proudly serving each of its 24 communities, Independent Bank’s mission is to actively be involved in each of the community it serves, including the areas of Austin and Dallas-Fort Worth. Consistently ranking among the fastest-growing cities and metro areas in the country, Austin and Dallas also rank among the unfortunate list of cities with the worst traffic, according to a recent study by the traffic research group INRIX. With RDC, you can cross “driving to the bank” off your to-do list.

Accessible, Secure, Reliable:

RDC is user-friendly, safe and dependable. Click here to learn more.


  • Simplicity – Forget about time spent filling out deposit slips and endorsing checks. RDC accomplishes these tasks electronically.
  • Savings – Eliminate transportation costs and delays associated with taking deposits to the bank.
  • Speed Enhance your daily operations with faster depositing, comprehensive reporting and expanded research capabilities.

Anticipating your banking needs, RDC is another example of Independent Bank’s active investment in new technology. Whether you prefer to bank at a branch, over the phone or online, you can expect great personal service.

*Please note, RDC is subject to bank approval, additional hardware is required and additional fees may apply.

Independent Bank. A Partnership You Can Bank On.MemberFDIC_EqualHousingLender_2011

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Forging Relationships with Similar States of Mind

By Matt Kennedy
Marketing Coordinator

If you’re lucky enough to find it, you usually know right away. Much like a favorite pair of jeans, the right banker is something you hold on to. Attorney Frank Leffingwell said Independent Bank’s Michael Doss has been an ideal fit for his firm.

Leffingwell and Associates, P.C. is a boutique law firm in Round Rock that focuses on a small number of core practice areas so that it can provide a focused level of expertise to clients. Focused attention is Michael Doss’ business philosophy as well, which helped their relationship blossom quickly.

“Michael has been an ideal banker for our business,” Leffingwell said. “Michael and Independent Bank have provided our law firm with a level of personal service and responsiveness that has allowed our law firm to grow.”

Doss is available when Leffingwell needs him, but he also realizes the perfect banking relationship involves more than time. Emersion into what makes Leffingwell’s firm tick and what will best help it grow, saves time while fostering a relationship that thrives on productivity.

This style of banking has produced rapid results. Leffingwell and Associates started banking with Independent Bank a year ago and has already financed its office building, opened numerous deposits, and utilized various treasury management tools like remote deposit capture (RDC), direct deposit and online banking to improve the efficiency of its firm.

With less time devoted to banking matters, the attorneys at Leffingwell and Associates have more time to focus on the areas they want focus on, like estate planning, commercial real estate, and physician and medical practice services.

Like Independent Bank, Leffingwell and Associates is fueled on the removal of red tape and a focus on direct relationships. It is this commonality that will allow Leffingwell and Doss’ relationship to flourish well into the future.

“Personal service and friendliness, blended with responsiveness and competence go a long way,” Leffingwell said. “Michael’s demeanor along with his attention to detail combines perfectly with the way our law firm operates.”

Independent Bank. A Partnership You Can Bank On.

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Lean on a Bank with Answers

By Matt Kennedy
Marketing Coordinator

At Independent Bank, you can have your cake and eat it, all while receiving unparalleled personal service and the latest technology.

Walking into our branches, you will receive attentive service from the community bankers you know and trust. Walking out of branches, you can access the up-to-date convenience and reliability of financial products once thought exclusive to “big banks.”

Access Your Independence:

In addition to the reliability of Online Banking and eStatements, you now have the freedom to bank the way you want with Text Banking, Finance360 and the iPhone®/Android™ App. These recently released eServices will take you further, faster.

Text Banking

Convenience226563 is Independent Bank’s Text Banking number. It is also your ticket to convenience. Program this number in your phone and receive the answer you’re looking for with a few clicks of the button.

Simplicity - The text commands of “BAL” for balance, “HIST” for history, “XFER” for transfer, etc. will generate an instant text response with the information you need.

Freedom – You can stop use of Text Banking at any time by texting “STOP”.

*Click here to learn how to enroll in Text Banking. Before use, you must enroll in Independent Bank’s Online Banking and Mobile Banking services.


Organize - View balances/transaction history for all your financial activity (including non-Independent Bank activity) from one easy-to-use dashboard. Plan a monthly budget according to customized categories of your choosing (such as entertainment, dining out, little Bobby’s allowance money etc.).

Customize - Create personalized spending reports to track expenses, cash flow, credit card usage, etc.

ResearchSetup payment reminders, estimate the market value of real estate, add generic accounts with personalized values, and so much more.

*Click here to learn how to enroll in Finance360. Before use, you must enroll in Independent Bank’s OnlineBanking service.

iPhone®/Android™ App

Up-to-date – Check real time balances on accounts. View account activity on all Independent Bank accounts. Review pending items and search banking history by date/description.

Helpful – Locate nearest branch/ATM locations.

Active – Use Mobile Bill Pay. Transfer funds. Approve, cancel or view transactions. Send and receive secure messages.

Click here to download the Independent Bank iPhone® app
Click here to download the Independent Bank Android™ app

* You must enroll in Independent Bank’s Online Banking and Mobile Banking services to use the iPhone® or Android™ app.

— Click here for the complete menu of Independent Bank eServices —

Lean on a Bank with Answers. Lean on Independent Bank.

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inCon-trol and Irrigators Supply Value Planning and People

By Matt Kennedy
Marketing Coordinator

To put it simply, inCon-trol Water Systems is in the business of moving water. Its work, however, is far from simple. Whether the inCon-trol team is installing an irrigation pump or a distinctive water feature, they place special emphasis on the blueprint phase of construction, knowing that planning is essential.

On the flip side, when Irrigators Supply, Inc., inCon-trol’s sister company and authorized supplier, recently purchased a new office building in Little Elm they did not have to put much thought into what lender they would use. They turned to Independent Bank lender Robert Camp. After 14 years of working with inCon-trol and Irrigators Supply, Inc., Camp understands the ins and outs of their businesses. However, he approaches each new loan with the same amount of preparation he used on their first loan over a decade ago.

Camp’s ability to plan as well as his ability to adapt along the way, are among the many reasons Kenneth Phelps, inCon-trol CEO, values his relationship with Camp and Independent Bank.

“There’s no red tape with Independent Bank,” Phelps said. “Robert lives here and works here, which makes things easy and saves us time and money.”

In an age where the distinction between customers and numbers is painfully blurred, Independent Bank has stayed firm in its commitment to always provide customers the personal service they deserve. This means Independent Bank lenders listen before talking, research before requesting and will never tell you how your business should be run.

Phelps values Camp’s friendly and helpful nature because he said people are the heart and soul of inCon-trol’s and Irrigators Supply’s business so he likes to do business with people who share the same values.

Independent Bank’s modern convenience and technology are also important to Phelps. inCon-trol Water Systems and Irrigators Supply, Inc. both utilize Independent Bank’s remote deposit capture service to deposit checks without ever having to go into the bank.

“The products Independent Bank provides help to push our company forward,” Phelps said.

Irrigators Supply is also moving forward in the new office they just purchased, which is currently undergoing a remodel. In addition to serving as inCon-trol’s authorized supplier, Irrigators Supply offers a full line of Weathermatic, RainBird, Toro, Irritrol and Hydro-Rain products to the north Texas area. The company is also a proud Women Business Enterprise under the leadership of its president, Patty Phelps.

As Irrigators Supply and inCon-trol Water Systems move into the next phase of their business they can count on Robert Camp and Independent Bank to grow along with them.

Independent Bank. A Partnership You Can Bank On.

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Simplify and Manage Your Financial Life with Finance360

By Matt Kennedy
Marketing Coordinator

Remember when you threw away that basket of remotes in favor of one universal remote? Now you can do the same with your finances. With Independent Bank’s Finance360, credit card accounts, investments, car payments, mortgages and of course your bank accounts (including non-Independent Bank accounts) can be managed, organized and budgeted from one easy-to-use dashboard screen.

Convenience, Freedom and Reliability:

There’s no limit to what you can manage each day with Finance360. Balances and transactions are automatically updated on Finance360 once you input specified accounts, login IDs and passwords.


  • Organize - View balances/transaction history for all your financial activity (including non-Independent Bank activity) from one easy-to-use dashboard
  • Budget - Plan a monthly budget according to customized categories of your choosing (such as entertainment, dining out, Bobby’s allowance money etc.)
  • Customize - Create personalized spending reports to track expenses, cash flow, credit card usage, etc.
  • Research - Setup payment reminders, estimate the market value of real estate, add generic accounts with personalized values, and so much more

Independent Bank’s Finance360 is free and available to all Independent Bank’s Online Banking customers. Also, you can trust in the same ease of access and password-protected security given to all our Online Banking customers.

*If you’re enrolled in online banking, Finance360 is already available to you. Click here to learn how to get started with this free service today.

Independent Bank. A Partnership You Can Bank On.

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Constructing Lending Solutions to Help JoCo Builders Grow

By Matt Kennedy
Marketing Coordinator

Every patio, kitchen remodel and home JoCo Builders constructs is custom-made to meet its clients’ needs. Similarly, when JoCo sought a residential construction loan to expand its business, Independent Bank listened to its needs and created a custom solution.

The relationship didn’t stop there. Lender Kevin Poynter and Independent Bank helped JoCo Builders grow their real estate investments by 50 percent. Cory Priest, JoCo Builders Owner/Partner, appreciates how Independent Bank responds to their needs, instead of having a bank tell them how things should be done.

“Flexibility is very important,” Priest said. “Independent Bank continually meets our changing needs. From operating lines to real estate notes, they cover it all.”

Based in Waco, JoCo Builders has focused its business on building quality by leading the way in energy efficient technologies to ensure long-term performance. Owner/Partners Josh Wadsworth, Rob Baker and Cory Priest believe the construction business is a “people business.”

JoCo’s partners follow Psalms 15:4, which includes a pledge to keep oaths even when they hurt. Ensuring quality may cost them money, but they gladly do it in order to do the right thing and stand by their word. Baker feels that same sense of integrity from Kevin Poynter and Independent Bank.

“Kevin’s not some pencil pusher,” Baker said. “He knows our business, has a deep understanding of construction and provides decisions quickly.”

Wadsworth agrees that the accessibility and quick decisions of lenders is important, but he also appreciates how Poynter listens to JoCo Builders’ business plan and helps them think through it. Wadsworth said that Independent Bank has helped JoCo build new niches in its construction business.

Poynter can knowledgably talk through JoCo Builders business plan due to years of lending experience within the construction industry. However, Poynter knows each company is different, so listening plays a vital role in developing lasting lending solutions.

When developing solutions for JoCo Builders, energy efficiency is a big part of the discussion. JoCo utilizes third party engineers to create a “whole-house” approach to lowering energy costs. This approach involves spray-foam insulation to fill every crack and crevice in exterior walls, double insulated vinyl windows and efficient HVAC systems. Feedback from clients like Lisa Watson provides further insight into the fruit of JoCo’s work.

“JoCo created a quality home that has the custom look and features we wanted, while being mindful of our budget,” Watson said. “The energy efficient options that our builder suggested have proven to be very valuable.”

As JoCo Builders stay current with the latest technologies to provide lasting quality, Independent Bank will be there to meet its changing needs. A relationship Wadsworth values.

“There is no way to quantify the impact people have on developing quality relationships,” Wadsworth said. “Independent Bank is great to work with because it has great people who really care about their bank, their customers and their reputation.”

Independent Bank. A Partnership You Can Bank On.


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Adriatica Women’s Health Knows Comfort is their Business

By Matt Kennedy
Marketing Coordinator

Trust is important in any friendship, relationship or business. In the women’s healthcare business, earning patients’ trust is a necessity. Adriatica Women’s Health in McKinney gains its patients’ trust by providing superior healthcare products and service, while striving to make each patient feel as welcome and comfortable as possible.

For over a decade, Adriatica Women’s Health has proudly served patients in the North Texas area and Independent Bank has been right there along the way. Adriatica Women’s Health physician and co-owner Lori Halderman knows the importance of consistent partners in the midst of transition.

“Independent Bank has been our business bank for 12 years,” Halderman said. “We moved into two new offices all due to Independent Bank. We are now in a beautiful office building in Adriatica [a McKinney subdivision]. The bank has also helped us through slow business times to maintain our cash flow.”

Dr. Tracey Banks, founder and president of Adriatica Women’s Health, agreed with the importance of consistency, adding that she feels like her lender, Kevin Griffin, has her back and that personal service is one of the things she likes best about Independent Bank.

“No matter what branch I walk into, everyone knows me before I blink an eye,” Banks said. “You can’t get any more responsive service.”

Banks is familiar with the need for responsive, personal service as she strives to provide the “wow factor” to her own customers by making them feel welcome in every part of their experience. Her patients and the community have responded positively. One customer said she literally loves going to her visits and wonders how many clinics you could say that about. Another customer praised the beautiful and homey atmosphere, along with the great doctors and nurses. Additionally, Adriatica Women’s Health has also been honored with “Best of McKinney” and “Best of Dallas” selections.

Adriatica Women’s Health first came to Independent Bank when it was comparison shopping for loans. A simple enough action that happens on a daily basis. 12 years later, we are delighted that simple action blossomed into a lasting relationship that gives Independent Bank the ability to help a practice that makes an undeniable impact in the lives of women.

Independent Bank. A Partnership You Can Bank On.

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