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Author: Chelsey Carothers

Congratulations Amber Minnick! New Portfolio Manager II

Congratulations to Amber Minnick on her promotion to Portfolio Manager II! Amber Minnick has been promoted to Portfolio Manager II for our Specialty CRE Team. She joined SouthStar Bank in 2020 and made an immediate impact on the team, closing over 180-unit loans and reorganizing the Homebuilder Finance department. Amber will continue to manage the builder lines of credit and oversee the procedures and processes for HBF. She will also manage the closings for lot development loans, review the quarterly loan covenants, and complete quarterly market analyses for the portfolio. Amber is the most excited to develop a deeper understanding of the acquisition and development process of Homebuilder markets in her new role. Amber enjoys spending her free time with her boyfriend and their families. Some of their favorite activities include boating on Lake Travis, taking road trips, and visiting local Hill Country wineries, breweries, and distilleries. NMLS # 2026848

Congratulations Alexis Michael! 2021 Emerging Leader Honoree

AUSTIN August 11, 2021 – Alexis Michael of SouthStar Bank has been selected as an Emerging Leader in the banking industry by the Texas Bankers Foundation and will be honored at the Texas Bankers Association’s 136th Annual Convention in Austin during a special awards luncheon on August 26. “Alexis is not a self-proclaimed great leader. Instead, she leads by example and doesn’t ask her team to do anything that she isn’t willing to do including catching a few hours of sleep on a cot during the PPP application process and waking up and working a full day again,” said David Kapavik, SouthStar Bank CEO & President. Launched in 2019 by the Texas Bankers Foundation in collaboration with the Bank Leadership Council, the Emerging Leader Award honors bankers who have had a positive impact on the banking industry and who represent the best values of Texas community banking. Alexis worked her way up in the banking industry with a passion for helping people starting as a Teller in 1999. She was initially hired as a Branch Executive and SBA Director and took a branch that was struggling to meet it’s aggressive financial and efficiency goals to a branch that met each goal in a short time frame. Later she was promoted to her current role of Regional Credit Manager mentoring and leading a Loan Officer production team at four branches. To be honored, bankers must have five years of experience in banking, be an employee of a TBA member banking institution and be nominated by the bank president, CEO or board chairman. “We are both excited and very proud to recognize the 2021 Emerging Leader Award recipients and our third class of honorees,” said Chris Furlow, president & CEO of the Texas Bankers Association. “This diverse group of outstanding bankers will help lead the Texas banking industry into the future and we’re thrilled to celebrate the work they’re doing throughout the state of Texas.” For 32 years, the Texas Bankers Association and Foundation have honored those who have served in the banking industry for 50 years or more. The Foundation has since expanded its awards portfolio to recognize banks and TBA members who give back to the community, promote financial literacy and showcase excellence in their fields.

SouthStar Bank Enters Purchase Agreement to Acquire Kerrville Branch of Community First National Bank

The planned acquisition by SouthStar Bank will expand its Central Texas footprint; the proposed sale meets strategic initiatives for both community-focused institutions. June 23, 2021─Moulton, TX─ SouthStar Bank announced an agreement to purchase the Community First National Bank Branch in Kerrville, TX. The sale is contingent on regulatory approval by the Texas Department of Savings and Mortgage Lending (TDSML), the Office of the Comptroller of the Currency (OCC), and the Federal Deposit Insurance Corporation (FDIC). Pending final approval, the sale is scheduled to close August 27, 2021. Terms of the deal between the privately-held organizations were not disclosed. SouthStar Bank plans to continue operations at the Kerrville branch and retain current staff to streamline the transition and maintain continuity for customers and team members.  “The Board and Management are eager to welcome Community First employees into our SouthStar Bank family. We’ve seen an enthusiastic presence in the local community, making the branch a seamless fit with our organization. We strive to accomplish a uniquely Texas-Style of banking throughout all locations with friendly, flexible, common-sense financial solutions. said David Kapavik, President and CEO, SouthStar Bank.  “The acquisition will allow us to expand into the Hill Country, reach new opportunities, and remain the personal, community-focused bank we’ve always been.” SouthStar Bank is a family-owned community bank focused on providing the highest level of service to its customers. Established in 1920, SouthStar Bank recently celebrated its 100th anniversary. Today, the bank operates 15 branches utilizing both the latest in financial products and technology, and the same small-town service on which SouthStar Bank was founded. Kent McKinney, Sr. Vice President of Community First National Bank stated “The staff and employees of the Kerrville Branch of Community First National Bank are excited to become a part of the dynamic and progressive SouthStar Bank organization. They have a strong history of community involvement and growth and will be a valuable addition to the Kerrville community.” A celebration is tentatively planned for late September, which will include BBQ and live music. The event will be free and open to the public. * * * SouthStar Bank, S.S.B. operates 15 full-service branches across the Central Texas region with headquarters in Moulton, TX. The Bank specializes in residential mortgage, real estate, and construction lending. Decisions are made locally, allowing the flexibility to apply common-sense standards to products, services, and loan requests. Since opening in 1920, the Bank continues to focus on community involvement and personal relationships and now holds over $1 billion in assets.  Southern Bancshares (Houston, TX), holds majority ownership of SouthStar Bank. All loans subject to approval. Other fees and restrictions may apply. Equal Housing Lender and Member FDIC, NMLS # 410624.  ─ end ─

Employee Awards & Anniversaries 2020

RIDE FOR THE BRAND, STAR LEADER, TRAILBOSS The ride for the brand award recognizes those individuals who have gone above and beyond to uphold the SouthStar Bank. In the cowboy days, when you worked for a big ranch or participated in a trail drive the cowboy was loyal to the Brand he “rode for.”  Guys that rode for the brand had deep connection representing the ranch that transcended their daily work.  To strengthen our culture, we continue to need employees that are a good example of this type of steadfast loyalty and who support our mission, vision and values. The Star Leader award is a special award given to applaud and promote the work and contributions of our most senior team. These individuals articulate a compelling vision for the institution and to have inspired others to that vision. They actively support all aspects of our Bank’s advancement and show the highest commitment to professional growth. Recipients deserve exceptional notice and praise. This year, we also wanted to recognize a few individuals who have stepped up in their leadership role. On a cattle drive, Trail Boss is the one in charge of the entire operation – keeping track of all the different elements of the drive, selecting routes, and making key decisions. Our Trail Boss awards go to those in who have helped guide our teams, selected routes for new and expanded operations, and supported key initiatives to exceed expectations. We can all agree that this year brought many new challenges, and I appreciate those who helped set the path for success. Loan Officer – Amanda Aaron Operations – Aften Serrano Support Operations – Mariela Tinajero Support Lending – Steffani Scarborough Mortgage Support – Donna Stephenson Star Leader- Bobby Simper Trail Boss Award – Alexis Michael, Billy Fleming, Gary Mobbs, & Trey Bertelson PRESIDENT’S AWARD This prestigious recognition is awarded by the bank president, David Kapavik, to the individual he and the executive team feel has made the strongest contribution to the organization over the past year in each region. They review many aspects including performance, leadership, service, and related organizational benefits. Urban North – Tina Zander Urban South – Ryan Noyce Rural North – Justen Salcido & Justin Kleiber Rural South – Lindsey Morkovsky INVESTAR SUPER STAR New award! This award recognizes one individual who has embraced our partnership Hilltop Securities. We look forward to the continued growth of this relationship and the benefits it provides for our clients. Pam Browning COMMUNITY INVOLVEMENT SouthStar Bank takes great pride in supporting our communities. The Community Involvement Awards recognize one recipient in each of our four regions for exemplifying the community bank spirit through active involvement in worthy causes and initiatives throughout the area. Urban North – Jesse Miller Urban South – Jeanette Ramirez Rural North – Melissa Greger Rural South – Julie Gamez STAR SERVICE AWARD The Star Service Awards recognize one recipient in each of our four regions for service above and beyond the expected norm. Recipients consistently demonstrate exceptional […]

Updated Branch Hours

New hours effective February 1st. Brazoria Branch LOBBY: F: 9am-5pm DRIVE THRU: F: 8am-5pm Bremond Branch DRIVE THRU: M-F: 8am-5pm Calvert Branch DRIVE THRU: F: 8am-5pm Franklin Branch DRIVE THRU: M-Th: 7:30am-5pm | F: 7:30am-6pm Hearne Branch DRIVE THRU: M-Th: 7:30am-5pm | F: 7:30am-6pm Moulton Branch LOBBY: F: 9am-5pm DRIVE THRU: F: 8am-5pm Shiner Branch LOBBY: F: 9am-5:30pm DRIVE THRU: F: 7am-5:30pm

Current Branch Hours

Bee Cave Branch LOBBY: M-F: 9am-5pm DRIVE THRU: M-F: 8am-5pm Brazoria Branch LOBBY: M-Th: 9am-3pm | F: 9am-6pm DRIVE THRU: M-Th: 8am-5pm | F: 8am-6pm Bremond Branch LOBBY: By appointment, please call 254.746.7031 DRIVE THRU: M-Th: 8am-5pm Calvert Branch LOBBY: By Appointment, please call 979.364.2896 DRIVE THRU: M-Th: 8am-3pm | F: 8am-5pm Franklin Branch LOBBY: M-Th: 9am-3pm | F: 9am-3pm, 4pm-6pm DRIVE THRU: M-Th: 7:30am-2:30pm, 3pm-5pm | F: 7:30am-2:30pm, 3pm-6pm Georgetown LOBBY: M-F: 9am-5pm DRIVE THRU: M-F: 8am-5pm Gonzales Branch LOBBY: M-Th: 9am-3pm | F: 9am-6pm DRIVE THRU: M-Th: 8am-5pm | F: 8am-6pm Harker Heights Branch LOBBY: M-F: 9am-5pm DRIVE THRU: M-F: 8am-5pm Hearne Branch LOBBY: M-Th: 9am – 3pm | 9am-3pm; 4pm-6pm DRIVE THRU: M-Th: 7:30am- 5pm | F: 7:30am-6pm Leander Branch LOBBY: M-F: 9am-5pm DRIVE THRU: M-F: 8am-5pm Moulton Branch LOBBY: M-Th: 9am-3pm | F: 9am-5pm DRIVE THRU: M-Th: 8am-4pm | F: 8am-6pm Round Rock Branch LOBBY: M-F: 9am-5pm DRIVE THRU: M-F: 8am-5pm Shiner Branch LOBBY: M-Th: 9am-3pm | F: 9am-6pm DRIVE THRU: M-Th: 7am-4pm | F: 7am-6pm Southwest Austin Branch LOBBY: M-F:9am-5pm DRIVE THRU: M-F: 8am-5pm Steiner Ranch Branch LOBBY: M-F: 9am-5pm DRIVE THRU: M-F: 8am-5pm

PPP Round 1: Loans for COVID-19 Payroll Assistance

[vc_row][vc_column][vc_column_text css=”.vc_custom_1616594146967{margin-bottom: 40px !important;}”] NOTICES: The deadline to apply for the Paycheck Protection Program (PPP) Round 1 was August 8, 2020. Click here for more information on PPP Round 2, available through March 31, 2021. The Paycheck Protection Program (PPP) authorizes up to $349 billion in forgivable loans to small businesses who maintain payroll during the COVID-19 crisis. Funds may be used for employee payroll (including paid sick or medical leave), employee salaries, mortgage interest payments, rent and utilities. [/vc_column_text][vc_toggle title=”What is the Paycheck Protection Program (PPP)?”] Provides small businesses the opportunity to maintain workforce by providing funds for payroll, mortgage interest, rent and utilities Interest rate is a flat 1.0% for a max 2-year term. However, full amount may be forgiven (see PPP Loan forgiveness below) PPP loans are SBA loans, serviced through your local SBA lender – it is recommended to reach out to your primary bank or local lender first Only one PPP loan can be taken out per business (not per individual) Personal guarantees are not required [/vc_toggle][vc_toggle title=”What does this mean for my business?”] Businesses may qualify for forgivable loans in order to retain employees. The SBA can provide up to $10 million OR 2.5 times the average monthly salary over the 1-year period before the loan – whichever is less Each employee salary may not exceed $100k These loans may be used for payroll costs (including benefits), interest on mortgage obligations (incurred before Feb. 15, 2020), rent (under lease agreements in force before Feb. 15, 2020) and utilities (for which service began before Feb. 15, 2020) The first 6 months payment will be deferred, however, the loan will accrue interest [/vc_toggle][vc_toggle title=”Who Qualifies for a PPP Loan?”] All businesses which either: Have 500 or fewer employees Businesses in certain industries can have more than 500 employees if they meet applicable SBA employee-based size standards for those industries. Meet applicable NAICS Code-based size standard or other applicable SBA 7(a) loan size standard, both alone or together with its affiliates Eligible businesses include nonprofits, veterans organizations, Tribal business concerns, sole proprietorships, self-employed individuals, and independent contractors. In addition, businesses should show documentation of: Operation as of February 15, 2020 with paid employees or independent contractors Necessity of loan to support ongoing operations Funds will be used for payroll, mortgage obligations, rent or utilities [/vc_toggle][vc_toggle title=”How Long will PPP Funding Take?”] PPP applications will be accepted through your local lender and funding typically takes 2 days from receipt of completed application. Timeline is subject to change based on current volume. [/vc_toggle][vc_toggle title=”How do I apply for a PPP Loan?”]PPP applications will be accepted through your local lender beginning April 3, 2020. The SBA is continuing to provide guidance to the banks. At this time, we recommend gathering the following: Completed Paycheck Protection Program Application (SBA Form 2483) 2019 IRS Quarterly 940, 941, or 944 payroll tax reports Payroll reports for a twelve-month period (ending on your most recent payroll date), which will show the following information: Gross […]

SBA Relief Loans: EIDL and PPP

[vc_row][vc_column][vc_column_text] The Small Business Administration (SBA) has implemented relief loans for businesses affected by the COVID-19 situation. Loans include Economic Injury Disaster Loans (EIDLs) to provide access to working capital, and SBA 7(a) Relief Paycheck Protection Program (PPP) to retain workforce through debt forgiveness for payroll and other eligible expenses during a defined covered period. A Preferred SBA Lender, SouthStar Bank is here to help and discuss available options for your business. NOTICES: The deadline to apply for the Paycheck Protection Program (PPP) was August 8, 2020. Learn more about PPP loans. [/vc_column_text][/vc_column][/vc_row][vc_row][vc_column css=”.vc_custom_1585736795299{padding-top: 30px !important;}”][vc_toggle title=”Economic Injury Disaster Loans (EIDLs)”]Through Economic Injury Disaster Loans (EIDL), the SBA can provide up to $2 million to help meet financial obligations and operating expenses that could have been met had the Coronavirus disaster not occurred. These loans may be used to pay fixed debts, payroll, accounts payable and other bills that can’t be paid because of the disaster’s impact. EIDL Qualification Businesses who may qualify include: Small businesses and private, non-profit organizations within designated disaster areas of a state or territory Businesses suffering substantial economic injury as a result of COVID-19 EIDL Application To apply for an EIDL, visit disasterloan.sba.gov/ela. Required documentation includes: Completed SBA loan application (SBA Form 5) Tax Information Authorization (IRS Form 4506T) for the applicant, principals and affiliates Complete copies of the most recent Federal Income Tax Return Schedule of Liabilities (SBA Form 2202) Personal Financial Statement (SBA Form 413) Other Information that may also be requested: Complete copy, including all schedules, of the most recent Federal income tax return for principals, general partners or managing member, and affiliates (see filing requirements for more information) If the most recent Federal income tax return has not been filed, a year-end profit-and-loss statement and balance sheet for that tax year A current year-to-date profit-and-loss statement Additional Filing Requirements (SBA Form 1368) providing monthly sales figures Learn more about Economic Injury Disaster Loans.[/vc_toggle][/vc_column][/vc_row][vc_row][vc_column][vc_toggle title=”SBA 7(a) Relief Paycheck Protection Program (PPP)”] The CARES ACT authorizes up to $349 billion in forgivable loans to small businesses who maintain payroll during the COVID-19 crisis. Paycheck Protection Program (PPP) loans may be used for employee payroll, salaries, mortgage interest payments, rent and utilities. Loans will be eligible for forgiveness if workforce and pay levels are maintained. PPP Qualification Businesses who may qualify include: Businesses in need of funds to maintain workforce Businesses utilizing funds for payroll, mortgage obligations, rent or utilities All businesses with 500 of fewer employees. Businesses in certain industries may qualify with more than 500 employees if they meet applicable SBA employee-based size standards for those industries. PPP Application PPP applications will be accepted through your local lender beginning April 3, 2020. The SBA is continuing to provide guidance to the banks. At this time, we recommend gathering the following: Completed Paycheck Protection Program Application (SBA Form 2483) 2019 IRS Quarterly 940, 941, or 944 payroll tax reports Payroll reports for a twelve-month period (ending on your most recent payroll date), which will […]

Loan Modification Options

Personalized assistance to aid customers affected by COVID-19 As a community financial services provider, SouthStar Bank strives to function as an integral part of the communities around us – including in trying times like these. With the financial unknowns of the coronavirus, we want our borrowers to know that SouthStar Bank is committed to helping qualified customers weather the challenges ahead. If you are suffering financial hardship caused by COVID-19, please contact your local SouthStar Bank  Branch or Loan Officer to discuss loan modification options. Unprecedented times call for unique solutions and we are ready to help. Initiatives are in place to assist the people and communities we serve withstand the extraordinary pressures triggered by COVID-19 and be better positioned to recover from its effects. SBA Disaster Loans In addition, the Small Business Administration (SBA) has implemented relief loans for businesses affected by the COVID-19 situation. Loans include Economic Injury Disaster Loans (EIDLs) to provide access to working capital, and SBA Paycheck Protection Loans (PPP) to retain workforce through debt forgiveness for payroll during a defined covered period. Please refer to SBA.gov for the latest information. The SouthStar Bank SBA Team is here to help and discuss available options for your business. Contact us at sba@southstarbank.com. As always, our mission is to provide friendly, flexible, common-sense financial solutions – Texas Style!

SouthStar Bank COVID-19 Update

LIMITED LOBBY ACCESS: Drive Thru and Online Banking Recommended We greatly appreciate the trust and confidence you have placed in SouthStar Bank. As we continue to monitor, plan and implement our strategy to address COVID-19, we want to assure you that the safety and well-being of our customers and employees are our top priorities. With these intentions, we have decided to take precautionary action and limit non-essential traffic within all SouthStar Bank branch lobbies. The Bank remains open to serve and help our customers through this crisis. Limiting access to our lobby and public areas will serve to protect employees and customers as we increase sanitation and implement social distancing as suggested by the CDC. Our drive thru will remain open. In addition, some branches may be operating with reduced hours. Currently, branches with reduced drive thru hours include: SouthStar Bank Harker Heights: Drive Thru Open Monday-Friday, 8am – 5pm If you wish to meet with a banker or conduct in-person transactions, please call the branch for an appointment. REMOTE BANKING SERVICES We are committed to providing uninterrupted, exceptional services while balancing the interests of our clients, our employees and others we serve. For your convenience, we provide a variety of options to help manage your accounts and maintain productivity. Allpoint ATM Network: world-wide, surcharge free ATMs CardValet®: Manage and monitor debit card activity Direct Deposit: Deposit paychecks automatically into your account Mobile App: Deposit checks with a picture and transfer funds Online Banking: Review transactions, transfer funds, pay bills and open accounts PopMoney: Person-to-person money transfer Telebanking: 24/7 account access (866.333.9064) If you haven’t already: Download the SouthStar Bank Mobile App > Enroll in SouthStar Bank Online Banking > FRAUD PREVENTION The Federal Trade Commission has warned about scammers who are taking advantage of fears surrounding the Coronavirus. We ask communities to be vigilant against this type of fraud. Remember, if we reach out to you, we won’t ask for confidential information such as your name, password, personal identification number (PIN) or other account information. CONTINUED MONITORING & UPDATES SouthStar Bank has faced many challenges throughout its 100-year history. We are in this together and have every confidence that we will meet this new challenge and once again demonstrate our commitment to the communities we serve. We plan to regularly review, expand, and evolve these and other preventative measures as we learn more from the World Health Organization, Centers for Disease Control, and other health experts about how to combat the spread of this virus. In the meantime, please know we are committed to doing all that we can to keep our communities safe. We will continue to provide updates to you through our website, over social media channels and by email. We appreciate your feedback. For comments or questions please reach out to your branch representative or email contact.us@southstarbank.com.

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