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Banking… Texas Style

SouthStar Bank, S.S.B. (headquartered in Moulton, TX) specializes in residential mortgage, real estate, and construction lending, operating 15 full-service branches across the Central Texas region. Established in 1920, the bank holds over $800 million in assets and focuses on community involvement and personal relationships. Decisions are made locally, allowing the flexibility to apply common-sense standards to products, services and loan requests.

In addition to lending and traditional financial services, SouthStar Bank brings the latest conveniences to its clients, including online banking and mobile banking with check capture, debit cards with CardValet so you’re always in control, and a free worldwide Allpoint ATM network.

SouthStar Bank is one of the largest independent banks in Texas and holds an impressive 5-Star rating by Bauer Financial. While we are continually striving to offer the very best in service, convenience and security, our founding commitment remains the same: To provide friendly, flexible, common-sense community banking where we live and work – Texas Style!



  • David R. Kapavik – President & Chief Executive Officer
  • Lori Singleton – Senior Executive Vice President & Chief Loan Administration Officer & Special Projects Manager
  • Billy Fleming – Executive Vice President & National Sales Manager for Mortgage Warehousing
  • JoAnn Biezenski – Executive Vice President, Compliance, BSA & CRA Manager
  • Kevin Knesek – Executive Vice President & Chief Operations Officer, Information Security Officer (ISO)
  • Norman Koch – Executive Vice President & Regional President
  • Robert Simper – Executive Vice President & Chief Financial Officer
  • Cole Schindler – Executive Vice President/Senior Lending Officer & Strategic Development Officer
  • Brent Gibbs – Executive Vice President/Chief Lending Officer



  • Paris R. Schindler – Chairman of the Board
  • Timothy R. Brown – Vice Chairman of the Board
  • David R. Kapavik – President/CEO/Director
  • Jo Ann Biezenski – Executive Vice President, Compliance, BSA & CRA Manager/Director
  • Jonathan Champagne – Director
  • Allyson Brown – Community Outreach Director/Director
  • Laura Brown – Director
  • Cole Schindler – Executive Vice President/Senior Lending Officer & Strategic Development Officer/Director
  • Doug Foster – Director
  • Tyler Renaudin – Director
  • Scott Schindler – Director


“Our expansion of SouthStar Bank has resulted in a stronger bank with broader market presence, greater lending capabilities, and more efficient, centralized operations. But most importantly, it has enabled us to better serve our customers with a superior level of products, services and care regardless of which branch they call home,” said David Kapavik, CEO & President.