Independent Bank Corp., through its flagship subsidiary Independent Bank, operates as a full-service commercial bank offering a broad array of deposit, lending and treasury management solutions. The company’s commercial banking division delivers working capital lines of credit, equipment financing, commercial real estate loans and specialized agriculture lending, while its consumer banking unit provides checking and savings accounts, money market products and personal installment loans. By combining relationship-driven service with locally underwritten credit decisions, Independent Bank serves a diverse clientele of small- and middle-market businesses, professionals and retail consumers across Texas.
To support residential borrowers, Independent Bank maintains an extensive mortgage banking platform offering conventional, FHA, VA and jumbo mortgage products, along with home equity lines of credit and construction loans. The bank’s mortgage originators work alongside underwriting and servicing teams to streamline the home purchase and refinancing process. In parallel, the company’s wealth management division offers financial planning, trust and estate administration, retirement solutions and investment advisory services through a network of in-house specialists and strategic third-party alliances.
Independent Bank also provides comprehensive treasury and cash management services designed to optimize liquidity and streamline payment processing for commercial customers. Automated clearing house (ACH) origination, wire transfers, remote deposit capture and merchant card processing tools are complemented by online and mobile banking platforms that deliver real-time account access, electronic statements and customizable alerts. These digital capabilities enable both businesses and consumers to manage finances and monitor transactions securely from desktop and mobile devices.
Headquartered in McKinney, Texas, Independent Bank traces its roots to the late 19th century and has grown through both organic expansion and strategic acquisitions to serve major markets including Dallas-Fort Worth, Greater Houston, Austin, San Antonio and the Rio Grande Valley. Under the leadership of President and Chief Executive Officer Doug Williams, the company continues to strengthen its community banking model by investing in local markets, enhancing digital offerings and maintaining a decentralized operating structure that empowers regional teams and fosters strong client relationships.
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