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Important Notice

Operations Update 9.15.21

IMPORTANT NOTICE 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-5pm DRIVE THRU: M-F: 8am-5pm Bremond Branch LOBBY: M-Th: 9am-3pm | F: 9am-3pm; 4pm-5pm DRIVE THRU: M-Th: 8am-5pm Calvert Branch LOBBY: Temporarily Closed 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-5pm | F: 7:30am-6pm Georgetown Branch 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 Kerrville Branch (Hours until October 1st) LOBBY: M-F: 8am-6pm | S: 9am-12pm DRIVE THRU: M-F: 8am-6pm | S: 9am-12pm 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-5pm Round Rock Branch LOBBY: M-F: 9am-5pm DRIVE THRU: M-F: 8am-5pm Shiner Branch LOBBY: M-Th: 9am-3pm | F: 9am-5:30pm DRIVE THRU: M-Th: 7am-4pm | F: 7am-5:30pm 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

SouthStar Bank Acquires Community First National Bank, Kerrville Branch

It’s Official: SouthStar Bank Joins the Kerrville Community MOULTON, TX, August 27, 2021 – SouthStar Bank has purchased the Kerrville branch of Community First National Bank with the full approval of the Texas Department of Savings and Mortgage Lending and the Office of the Comptroller of the Currency. The branch, located at 1101 Junction Highway in Kerrville, TX, will be open for business as a SouthStar Bank branch on Monday, August 30th.  The community is invited to attend a ribbon cutting celebration on September 24th at 3:30 PM. BBQ will be served and there will be live music from 5:00 PM to 7:00 PM. The event is free, family-friendly, and open to all. SouthStar Bank has been a fixture in Texas banking since 1920. It’s headquartered in Moulton, TX and now has 16 locations throughout Central Texas (including the new Kerrville branch).  According to SouthStar Bank President & CEO David Kapavik, the sale represented a strategic initiative for both organizations. “The Kerrville branch is a perfect fit. Community First National Bank built a strong reputation for local, friendly service. These values are in line with SouthStar Bank’s mission to provide friendly, flexible, common-sense financial solutions—Texas style! Their values are aligned with ours as a true community bank. We are excited to grow the Bank’s footprint into the Hill Country area.” SouthStar Bank retained the Community First National Bank Kerrville team at the branch, including Brittany Selement (Personal Banker), Claudia Gonzales (Personal Banker), Jeffery Harris (Vice President of Lending), Donny Lehmann (Vice President of Lending), Kent McKinney (Business Development Advisor), Kyla Gesell (AVP/Branch Manager), Meghan Jackson (Personal Banker), Sche Kehner (Personal Banker), Shelby Mossman (Loan Assistant), and Sherri Steadham (Loan Assistant).  When speaking of the Kerrville team, Kapavik said: “The local team is strong, helping to make the transition as seamless as possible both internally and for the new clients we are bringing into the SouthStar Bank family.” Kent McKinney, Business Development Advisor and former Community First National Bank Senior VP feels the team will be in great hands. “During the transition, I have had the opportunity to meet many of the SouthStar Bank people, from owners, to managers, to staff members at several levels. Without exception they are some of the nicest, most pleasant, most dedicated individuals you could hope to meet. There will always be some changes resulting from this kind of transition, but what you won’t see is a decrease in friendly, efficient customer service.” McKinney notes that the staff has been looking forward to the change, and praises SouthStar Bank for the investments they’ve made in local nonprofit organizations. “SouthStar Bank looks forward to a long-term presence,” adds Kapavik. “Extending our 100-year history of helping local residents reach their financial goals.” For more information, visit https://ssbproduction1.wpengine.com/.  * * * ABOUT SOUTHSTAR BANK SouthStar Bank, S.S.B., specializes in residential mortgage, real estate, and construction lending, operating 16 full-service branches across the Central Texas region. Established in 1920, the bank continues to focus on community involvement and personal relationships. […]

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 ─

Current Branch Hours

Bee Cave Branch LOBBY: Closed until further notice DRIVE THRU: M-F: 8am-5pm, please use Lane 1 only Brazoria Branch LOBBY: M-Th: 9am-3pm | F: 9am-5pm DRIVE THRU: M-F: 8am-5pm Bremond Branch LOBBY: By appointment, please call 254.271.2982 DRIVE THRU: M-F: 8am-5pm Calvert Branch LOBBY: M-Th: 9am-3pm | F: 9am-3pm, 4pm-5pm 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-5pm | F: 7:30am-6pm Georgetown Branch 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-5pm Round Rock Branch LOBBY: M-F: 9am-5pm DRIVE THRU: M-F: 8am-5pm Shiner Branch LOBBY: M-Th: 9am-3pm | F: 9am-5:30pm DRIVE THRU: M-Th: 7am-4pm | F: 7am-5:30pm 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

Tax Tips & Planning

Tax-saving tips brought to you by Briggs & Veselka Co. HEALTH & RETIREMENT CONTRIBUTIONS: Health Savings Account (HSA) Contributions Individuals who are covered by a qualifying high deductible health plan may make deductible contributions to an HSA, subject to certain limits. For calendar year 2020, assuming a full year of coverage, the maximum contribution is $3,550 for self-only coverage and $7,100 for family coverage ($3,600 and $7,200 for 2021), plus an additional $1,000 for those age 55 or older. Distributions from an HSA to pay qualified medical expenses are not taxable. Distributions used for nonmedical purposes are taxable, and if made before age 65, are subject to a 10% penalty tax. IRA Contributions for 2020 IRA contributions may be made on or before the original due date of the return. If otherwise eligible, those contributions may still be deducted on the 2020 return. ROTH IRA contributions have the same due date. No deduction is allowed but the growth can eventually be withdrawn tax-free as long as requirements are met. CARES ACT Created a $300 partial above-the-line charitable contribution for individuals taking the standard deduction and expands the limit on charitable contributions for itemizers Waived the 10% early-withdrawal penalty on retirement account distributions for individuals facing virus-related challenges. Allows businesses or individuals with business losses resulting in Net Operating Losses a five-year carryback of net operating losses (NOLs) earned in 2018, 2019, or 2020. The NOL limit of 80% percent of taxable income is also suspended, so businesses may use NOLs they have to fully offset their taxable income in carryover years. TAX CREDITS: Recovery Rebate Credit 2020 For 2020, eligible individuals are allowed a refundable income tax credit of $1,200 ($2,400 for joint filers) plus $500 for each qualifying child under age 17. The credit is reduced by 5% of the amount by which the taxpayer’s 2020 adjusted gross income exceeds $75,000 ($150,000 for joint filers; $112,500 for heads of household), but not below zero. The IRS automatically made advance payments (Economic Impact Payments or EIPs) of the recovery rebate credit to most eligible individuals during 2020. This includes individuals who filed a tax return in 2018 or 2019 and individuals receiving government benefits such as Social Security Income, Social Security Disability Income, Veterans Compensation and Pension and Railroad Retirement. Eligible individuals who were not in one of the automatic payment categories or did not receive as much as they may be eligible for should compute this credit on their 2020 return. Taxpayers should have received Notice 1444, Your Economic Impact Payment, within a few weeks after the IRS makes the EIP. Taxpayers should keep the notice for use in filing 2020 tax returns as the amount received will reduce the amount of credit computed for 2020. BUSINESS ITEMS: Depreciation First-year depreciation deduction. Most used as well as new machinery and equipment bought and placed in service in 2020 qualifies for a 100% bonus first-year depreciation deduction. Qualified business income deduction A deduction of up to 20% of their qualified […]

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

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

Christmas at SouthStar Bank

Join us in giving back this holiday season. The holidays are upon us! In the spirit of the season, many of our locations are serving as donation drop-offs for local toy drives. New unwrapped donations will be accepted for all ages. We are not accepting stuffed animals at this time. Over the past 100 years SouthStar Bank has built a tradition of community service, supporting past generations and the generations to come. Now, we want to give back to the communities who have supported and driven our success over the years.   See below to find the donation spot closest to you: Dec. 11: Georgetown | Toy Drive Dec. 14: Round Rock | Toy Drive Dec. 15: Bee Cave| Toy Drive Dec. 15: Leander | Blanket & Toy Drive

HomeAid Fundraising Drive

Your donation is appreciated in support of this great cause! Over the past 100 years SouthStar Bank has built a tradition of community service, supporting past generations and the generations to come. In honor of our 100th anniversary, SouthStar Bank continues this tradition by partnering with local non-profit, HomeAid Austin. HomeAid Austin is unique in that it is a 501(c)(3) non-profit whose sole purpose is to serve other non-profits. The charity organization identifies long-term, stable homeless care providers who need additional capacity and pairs them with builders, vendors and suppliers, who donate time, materials and labor to rehabilitate and build housing for Austin’s homeless. These care providers directly serve: Youth who have aged out of foster care Women in crisis pregnancy Victims of domestic violence and spousal desertion Children who have become homeless due to a family crisis Mentally challenged Adults living with HIV/AIDS Families and individuals who are homeless as a result of job loss or illness Individuals and families suffering from drug and alcohol abuse Veterans SouthStar Bank proudly supports HomeAid Austin’s mission to build new lives for Austin’s homeless families and individuals through housing and community outreach. Contributions to the SouthStar Bank team fundraising pages will be accepted through October 23. Click below to visit your local branch fundraising page: Bee Cave Georgetown Leander Round Rock Southwest Austin Steiner Ranch Every little bit helps! We greatly appreciate your consideration in joining us to support our local community.

We’re Open to Serve You!

Serving our friends, families, and communities. We’re in this together. SouthStar Bank has begun reopening our lobbies. We’ve missed you! While we are excited to open our doors, the Bank will continue to prioritize customer and employee safety. We appreciate your understanding and cooperation in new guidelines for entry, including face coverings and hand sanitation. Current Branch Hours 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 | F: 8am-2:30pm, 3pm-6pm Calvert Branch LOBBY: By Appointment, please call 979.364.2896 DRIVE THRU: M-Th: 8am-3pm | F: 8am-2:30-pm, 3pm-5pm Falconhead Branch (Bee Cave) LOBBY: M-F: 9am-5pm DRIVE THRU: M-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-6pm Hearne 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 Leander Branch LOBBY: M-F: 9am-5pm DRIVE THRU: M-F: 8am-5pm Moulton Branch LOBBY: Closed for construction. Please call for appointment: 361.596.7519 DRIVE THRU: M-Th: 8am-4pm | F: 8am-6pm Sendero Springs Branch (Round Rock) 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

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