Empowering Communities: The Merits of Community Banking

NDBT Market President Jay Henry greeting Irving Mayor at Las Colinas Banking Center

When I was young, the dream of owning my first car ignited a sense of ambition within me. My father encouraged me to start my journey with a simple act – open a savings account at my local community bank, Security State Bank in Lubbock, Texas. Fueled by this determination and commitment, I deposited my hard-earned money from mowing lawns, which marked the inception of a personal finance journey that would not only shape my future and financial responsibility but also underscore the profound impact of community banking. This experience served as a testament to the merits of community banking, a financial approach that not only nurtures individual dreams but also contributes to the overall well-being of the community:

  • Local Connection: Community banks thrive on relationships, understanding the unique needs of the neighborhoods they serve. Unlike large, impersonal institutions, community banks are deeply rooted in the local fabric, fostering a sense of trust and familiarity.
  • Personalized Service: When you choose community banking, you are not just an account number, you are a valued member of a tight-knit community. Community banks pride themselves on providing personalized services tailored to your individual financial goals and aspirations.
  • Community Investments: Community banks reinvest locally, channeling deposits back into the community through loans that support small businesses, homeownership, and local infrastructure projects. This reinvestment creates a positive economic cycle, fueling growth and prosperity within the community.
  • Responsive Decision-Making: One of the standout merits of community banking is the ability to make swift, localized decisions. The decision-making process is streamlined, enabling community banks to respond quickly to the evolving needs of their customers and the community at large, fostering a sense of responsiveness and accountability.


Community banking is not just about transactions; it is about fostering dreams, supporting aspirations, and building a resilient community. My journey, from diligently mowing lawns to owning my first car with the support of my local community bank, captures the transformative impact of community banking. By choosing community banking, individuals like me find more than just financial services – they discover a partner in their journey toward personal and community prosperity.

Little did I know that, eventually, community banking would become my career and NDBT would become the community bank I call home. I have personally witnessed the merits of community banking, similar to my experience as a youth, throughout the 25 years I have served our customers and communities at NDBT.

NDBT has served North Texas communities with excellence for more than 60 years. Deep roots in our neighborhoods support long-lasting relationships with families and companies. The blend of banking technology, and banking with someone you know and trust, is all part of the unique culture that makes NDBT a Texas Banking Original. That is Our Story. And we would love to share it with you! Join the community banking revolution, where every savings account – even those opened after mowing yards as a youth – is a step closer to realizing dreams and strengthening the fabric of local communities.

NDBT Market President Jay Henry headshot

Jay Henry
Market President

A print version of Jay’s story can also be found in the January issue of Addison & Bent Tree Living.


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NDBT logo


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