Cornerstone Capital Bank Leadership Team

Scott's 30+ year career includes executive leadership roles with both public and private banks, and mortgage companies. He joined Cornerstone to lead the organization's historic bank conversion plan, including a first of its kind Texas merger with Roscoe Bank in 2022. That transaction resulted in Cornerstone becoming the highest capitalized new bank in Texas history. He serves as Cornerstone's enterprise President and Chief Executive Officer, and as a member of the board of directors.

Before joining Cornerstone, he served as Executive Vice President, Chief Operating Officer at LegacyTexas Bank and its publicly traded holding company, LegacyTexas Financial Group, Inc., one of the fastest growing banking franchises in the Southwest. During his leadership at LegacyTexas, the bank was recognized with relative performance awards by Fortune, Forbes, S&P Global, and the Dallas Business Journal, and by advisory firms such as Raymond James and KBW. Prior to that, Scott served as the managing member of a law firm in Dallas, where he focused on corporate, securities, regulatory, and transactional matters affecting banks, bank holding companies, and other financial firms. He also served at a publicly traded bank and bank holding company in a variety of progressive leadership roles, including as board member at its nationwide mortgage company.

Scott's experience includes leadership roles with the American Bankers Association, Texas Bankers Association, Risk Management Association, the Southwest Association of Bank Counsel, and with a wide variety of non-profit and community organizations. He is a member of the State Bar of Texas.

Scott's passion for growing in a way worthy of Cornerstone's long-standing culture and mission is reflected in the organization's 2023 recognition by the Houston Business Journal with its first-ever Family-Owned Business Award (large company category), Independent Community Bankers Association's list of "Top Lenders" (over $1 billion in assets group), and "Top Workplace" awards in multiple cities.

Education:
Texas Tech University School of Law | J.D.
Texas A&M University | B.B.A.
University of Pennsylvania Wharton School of Business| Executive Program

LinkedIn: https://www.linkedin.com/in/scottalmy/

Adam has served as Chief Executive Officer – Mortgage Bank since 2022. He has been a member of Cornerstone's Executive Committee since 2014 and a member of its Board of Directors since 2021.

Prior to joining Cornerstone in August 2014, he was an attorney with Hunton Andrews Kurth (f/k/a Andrews Kurth) in Houston, where he counseled clients on capital markets transactions, mergers and acquisitions, and joint ventures, as well as public company reporting, corporate governance, and compliance matters, including assisting as outside Securities and Exchange Commission counsel for the boards of directors of two publicly traded companies.

He is a graduate of the McIntire School of Commerce at the University of Virginia. He graduated Cum Laude from the University of Houston Law Center, where he received honors for The Order of the Coif and The Order of the Barons. He is a member of the State Bar of Texas and has served as either a board director or as an advisory director to privately held community banks in Texas.

Education:
University of Virginia | Bachelor of Science
University of Houston Law Center | J.D.
Stanford University | Stanford Executive Program (SEP) Graduate

Paul has built his career at the intersection of finance, accounting, corporate development, strategic growth, and value creation. He is known for his hands-on approach to driving organic growth and acquisitions, using his adeptness and extensive experience to navigate complex financial landscapes. Paul is dedicating his efforts to making a positive difference and steering Cornerstone Capital Bank's expansion initiatives. As Chief Financial Officer, he oversees a highly skilled financial team, with an emphasis on strategic planning and capital management for one of the nation's fastest-growing banks.

With over thirty years of experience covering banking and the financial services sector, Paul has a successful history of transforming banks into industry leaders. At Cadence Bank, he worked with a talented team that executed the bank's growth strategy, which resulted in asset growth from $10 billion to $50 billion in just five years, including the transformational acquisition of State Bank in Atlanta, Georgia, and the merger with BancorpSouth. Prior to Cadence, Paul was a senior member of The Endicott Group, managing over $500 million in committed capital in private equity funds focused on commercial banks and thrifts. He also held key roles in investment banking, sell-side research, and financial analytics at FBR Capital Markets, Howe Barnes Hoefer & Arnett, and Morningstar and earned a finance degree from the University of Illinois at Urbana-Champaign.

Paul's leadership at Cornerstone Capital Bank is focused on sustainable growth and financial resilience. Under Paul's guidance, Cornerstone is committed to providing stability through any economic cycle, ensuring the communities it serves will thrive for generations to come.

In Greg's 35+ years in financial services, he has led teams of residential mortgage and commercial lenders and built and deployed business plans, credit policies, and risk rating methodologies. He has held leadership positions in banks and mortgage companies and has built expertise across numerous asset classes, including corporate and middle market, commercial real estate, residential real estate, warehouse lending, senior housing, and energy lending.

Greg believes Cornerstone Capital Bank is the perfect opportunity to leverage two seasoned, well respected legacy companies (Cornerstone Home Lending and Roscoe Bank) into a new, unique, cutting-edge, and strategic business partner for our new and existing clients and partners.

Education:
Louisiana State University | B.S. Finance
Southwestern Graduate School of Banking

LinkedIn: https://www.linkedin.com/in/greg-jackson-7b94b78/

Larry Allen began his banking career in 1980 and has experience working in various departments within the bank, which led him to first being named a bank President in 1996.

Peoples Bank was established in 1999 when a group of local investors led by Larry Allen and his business partner, Todd McKee, purchased Lorenzo State Bank. Lorenzo State Bank was operating under a state banking charter granted in 1968.

Larry served as Chief Executive Officer and Chairman of the Board of Directors for Peoples Bank. Before merging with Cornerstone in 2026, Peoples Bank became a leading community bank with 13 locations across West Texas and the Dallas-Fort Worth area, including branches in Lorenzo, Lubbock (3), Nazareth, Post, Princeton, Seminole, Seymour, Shallowater, Slaton, and Whitney, with a loan production office located in Frisco.

Larry's passion is people and he has always believed in the mission of Peoples Bank, "to be the best employer its employees have ever worked, to be the best bank its customers have ever banked, the best investment its shareholders have ever made."

With Larry's leadership, Peoples Bank was named Best Bank to Work For for over 10 years.

Larry has always believed in giving back to the communities. He is a past Trustee for the Frenship ISD Board of Directors and has spent countless hours volunteering with organizations such as Lubbock Meals on Wheels, Texas Girls and Boys Ranch and tutoring local elementary students.

Larry has received multiple honors, including the Paul Harris Fellow award by the Rotary Club of Lubbock and is a graduate of Leadership Lubbock.

Education:
Texas Tech University | Finance
Graduate School of Banking, Colorado University
National Commercial Lending School, University of Oklahoma
Leadership at the Peak, Center for Creative Leadership

In his 40+ year career, David has held several credit and risk leadership roles at banks in Dallas and Fort Worth. He has been active with industry groups, serving in roles such as a past president and director of the Texas Chapter of the Risk Management Association, the North Texas Chapter of the Risk Management Association, and the Tarrant County Bankers Association.

David is passionate about community involvement, having held a variety of leadership positions with the Wesley-Rankin Community Center, the North Texas Chapter of the American Red Cross, a domestic violence shelter, several Little League teams, and his church.

Education:
Abilene Christian University | B.B.A. Finance
Southern Methodist University | M.B.A.
Southwestern Graduate School of Banking
Washington University School of Law | L.L.M.

LinkedIn: https://www.linkedin.com/in/david-fraser-715990a0/

With over 20 years of executive experience in the banking and financial services industry, Cara brings a wealth of knowledge and expertise to Cornerstone. She has a broad range of experience, both in-house and as a consultant, at banks of varying sizes and across multiple risk types. Cara has led global, enterprise teams within both the first and second lines of defense, with a primary focus on large-scale risk transformation initiatives. Her strategic insights and hands-on approach have been pivotal in building an impressive track record spanning enterprise risk and compliance program transformation, risk culture enhancement, issue management and regulatory remediation, and governance frameworks.

Cara is passionate about risk management and regulatory compliance and firmly believes that a strategic approach to the discipline can serve as a competitive advantage. She is eager to channel this passion into her role at Cornerstone, where she aims to cultivate a robust risk culture and drive meaningful enhancements across the bank.

Education:
University of Georgia I Bachelor of Business Administration
Case Western Reserve University I Master of Business Administration

In his 30+ year banking career, Brook has built and led front-line teams, and been active in commercial lending, treasury management, institutional banking, alternative assets and investment services, leveraged buyouts, and more. He has held leadership roles within financial institutions varying in size as well as his own entrepreneurial ventures.

Brook is passionate about building reciprocal relationships with clients and demonstrating servant leadership within teams.

Education:
University of Illinois Urbana-Champaign Gies College of Business | Bachelors Degree in Finance
University of Wisconsin - Madison | Graduate School of Banking
Texas Tech University Rawls School of Business | Graduate School of Banking

LinkedIn: https://www.linkedin.com/in/brooksilvestri/

In his 25+ year career, Chris has held energy finance origination roles, including leadership of a team which grew a portfolio to $1.5+ billion in transactions. He has also served in a business development role with an alternative investment fund, providing structured capital solutions to upstream oil and gas companies, and as President of CounterPoint Consulting LLC, which he founded in 2019.

Chris believes that we are called to use our God given talents to positively impact others in all areas of life and is proud to support the amazing people in the US oil and gas industry.

Education:
Texas A&M University | B.B.A. Finance

Patrick's 40+ year career includes senior leadership roles with finance companies and public and private banks. He joined Cornerstone to lead the bank's commercial real estate lending platform.

Prior to joining Cornerstone, he established and led several commercial lending platforms (GE Capital, ViewPoint/Legacy Texas Bank, and Southside Bank), producing more than $7B in commercial real estate loan transactions and managing a $2.5B commercial real estate portfolio at one of the fastest growing banking franchises in the Southwest.

Patrick is an active volunteer serving on several local boards including The Real Estate Council, TREC Foundation, The Community Fund, and the Plano YMCA (past chair).

Education:
University of Rhode Island B.S. Finance
Bryant University M.B.A (incomplete)

Jay brings decades of experience in mortgage education and strategic lending guidance, helping clients navigate financing with confidence. He focuses on long‑term planning and responsible homeownership, offering tailored solutions to meet unique needs. Jay leads the Retail Division nationwide for Cornerstone Home Lending and highly values spending time with his family outside of work.

Kelly Zitlow is a transformational leader and mortgage industry veteran with more than 30 years of experience spanning sales, operations, marketing, technology, and executive leadership. As Chief Operating Officer of Cornerstone Home Lending, she helps shape the strategic direction of the company's mortgage division, leading initiatives that drive growth, improve operational performance, and enhance the customer experience through innovation and technology.

As an integral member of Cornerstone’s executive leadership team, Kelly is vital in implementing the organization’s vision and steering its growth trajectory. Her ability to identify opportunities, implement forward-thinking initiatives, and inspire collaboration has solidified her reputation as a trusted leader. She is committed to Cornerstone’s mission of making a positive difference in the lives of others.

Kelly has been at the forefront of integrating advanced tech tools within the organization to create efficiencies and position Cornerstone as a leader in a competitive marketplace. Additionally, her mentorship and coaching efforts have fostered a culture of continuous improvement and professional development within the company’s sales and marketing teams.

Kelly’s expertise in digital marketing has set her apart in the financial technology sector. She is widely recognized as a pioneer in digital marketing, having adopted video marketing as a primary communication tool long before it became industry standard. Today, she continues to champion forward-thinking initiatives, including the integration of AI to increase efficiency in the real estate and mortgage sectors, one of the topics she enjoys speaking about at industry events.

Recognized for her ability to drive results and lead with purpose, Kelly embodies the qualities of a forward-thinking executive leader who thrives on innovation, collaboration, and a deep commitment to empowering others.

Beyond her professional achievements, Kelly was raised in Arizona and graduated Cum Laude from Arizona State University. She treasures time with her husband, their two sons, and their beloved Labradoodles, Champ and Buddy.

Tom has more than 30 years of experience in energy finance, with a background that includes upstream and midstream lending, portfolio management, financial analysis, and leading energy banking teams. He works with clients across the country and has led transactions ranging from $50 million to $250 million.

Rick is a respected and seasoned financial executive with 30 years of experience in the community banking industry. He joined Roscoe Bank in 2014 to lead efforts in Bastrop, also joining the Board of Directors for that bank. During his leadership, Roscoe's Bastrop market saw loan growth average 30% annually while maintaining the highest credit quality standards. Rick became part of the Cornerstone team through Roscoe's historic merger with Cornerstone Home Lending in 2022. He currently serves to oversee banking efforts in Bastrop and Central Texas, and is a member of the bank's Senior Credit Committee.

Before joining Cornerstone, Rick served as Senior Vice President for Commercial Lending at First-Lockhart National Bank, driving total asset growth of 65% over his tenure. Prior to joining the team in Lockhart, Rick served as VP, Branch Manager, and Relationship Manager with the Citizens National Bank of Texas, doubling the asset size of his branch in his first three years there.

Rick's experience has always included a variety of leadership roles within the communities in which he has served, including as President of the Lockhart ISD Board of Trustees, President of the Bastrop Education Foundation, Vice President of the Hunters Crossing Local Governance Corporation, and Vice-Chair of the Lockhart Planning & Zoning Commission. Rick is also a 36-year member of the Texas Association of Sports Officials, serving in 2015-16 as Austin Chapter President.

With a strong history of positive leadership, Rick is often a dynamic advocate for change. He has impacted credit policy, brand positioning, and technology utilization in every organization he has served. This would include leading design and implementation of ALLL modeling, online deposit gathering, loan production workflows, electronic document storage platforms, and automated decisioning tools.

Education:
Hardin-Simmons University | B.B.A.
Graduate School of Banking at Colorado (with Honors)
Certified Economic Development Finance Professional

LinkedIn: https://www.linkedin.com/in/rickwomble/

Shane offers a wealth of experience gained from over 20 years in banking. He began his career at Roscoe Bank in deposit operations and progressed to managing one of the bank's largest loan portfolios and loan processing systems. Shane was also instrumental in building a compliance program from the ground up, establishing policies, procedures, and training protocols that have been praised by compliance auditors and FDIC examiners alike.

In 2022, Shane was among the principals who led the transition of Roscoe Bank to Cornerstone Capital Bank while supervising the origination of large commercial loans. His deep understanding of bank operations, proactive drive to innovate services, and servant leadership mindset make him the ideal candidate to accelerate Cornerstone's growth for years to come.

A dedicated community leader, Shane is the current director of the Roscoe Lions Club and an advisory member of the Nolan County Extension Office. He also serves on the Sweetwater Finance Committee for First United Methodist Church.

Education:
Texas Tech University | B.S. in Agricultural and Applied Economics

Larry Allen began his banking career in 1980 and has experience working in various departments within the bank, which led him to first being named a bank President in 1996.

Peoples Bank was established in 1999 when a group of local investors led by Larry Allen and his business partner, Todd McKee, purchased Lorenzo State Bank. Lorenzo State Bank was operating under a state banking charter granted in 1968.

Larry served as Chief Executive Officer and Chairman of the Board of Directors for Peoples Bank. Before merging with Cornerstone in 2026, Peoples Bank became a leading community bank with 13 locations across West Texas and the Dallas-Fort Worth area, including branches in Lorenzo, Lubbock (3), Nazareth, Post, Princeton, Seminole, Seymour, Shallowater, Slaton, and Whitney, with a loan production office located in Frisco.

Larry's passion is people and he has always believed in the mission of Peoples Bank, "to be the best employer its employees have ever worked, to be the best bank its customers have ever banked, the best investment its shareholders have ever made."

With Larry's leadership, Peoples Bank was named Best Bank to Work For for over 10 years.

Larry has always believed in giving back to the communities. He is a past Trustee for the Frenship ISD Board of Directors and has spent countless hours volunteering with organizations such as Lubbock Meals on Wheels, Texas Girls and Boys Ranch and tutoring local elementary students.

Larry has received multiple honors, including the Paul Harris Fellow award by the Rotary Club of Lubbock and is a graduate of Leadership Lubbock.

Education:
Texas Tech University | Finance
Graduate School of Banking, Colorado University
National Commercial Lending School, University of Oklahoma
Leadership at the Peak, Center for Creative Leadership

Jon Drake has more than 34 years of banking and financial services experience. He began his career in 1986 as a National Bank Examiner and has extensive experience in corporate planning and accounting. Prior to the merger with Cornerstone in 2026, Jon served as Chief Financial Officer of Peoples Bank for 20 years, providing strategic financial leadership and guidance.

A dedicated community servant, Jon has been actively involved with numerous local organizations. He has served in various leadership roles with Lubbock Meals on Wheels  and Parkridge. He and his wife are members of Indiana Avenue Baptist Church.

Jon is the proud father of two Texas A&M Aggies and enjoys spending time with his three grandchildren.

Education:
West Texas A&M University | Bachelor of Business Administration

Kevin Petty has more than 30 years of banking experience, with a strong background in lending and relationship management. He serves as Market President for Peoples Bank and led the successful opening of the bank's Seminole branch.

A longtime advocate for his community, Kevin has served as President of the Seminole Economic Development Corporation for more than 15 years, helping drive growth and opportunity in the region. His community involvement has also included service as Vice President of the Seminole Independent School District Board of Trustees, as well as leadership and volunteer roles with the Lions Club, Seminole Industrial Foundation, and Seminole Athletic Booster Club.

Kevin is passionate about supporting local businesses, strengthening communities, and building lasting relationships with the customers he serves. He and his wife, Shelly, have three kids and one grandchild on the way.

Education:
Texas Tech University | Ag Economics

Jordan McKay has more than 19 years of banking experience and has built a strong reputation for helping customers achieve their financial goals. He began his career at Peoples Bank in bookkeeping before advancing to the credit department and later becoming a commercial lender. Jordan serves as Executive Vice President and Lender at the 82nd Street branch, where he manages one of the bank's largest loan portfolios.

Committed to serving his community, Jordan volunteers with Lubbock Meals on Wheels and coaches a local youth baseball team.

Jordan and his wife, Cortni, have two children. Outside of work, he enjoys spending time with his family, visiting the lake, and traveling to Las Vegas.

Education:

Texas Tech University | General Business, B.S.

Anthony Foerster has more than 25 years of banking experience, including over 19 years with Peoples Bank. He helped open the Peoples Bank branch in Shallowater in 2007 and serves as Branch President in Shallowater.

Anthony currently serves on the Shallowater Water Development Committee and previously served as a Trustee for Shallowater Independent School District.

He has three grown sons. Outside of work, Anthony enjoys spending time with his family, golfing, and traveling. He is also pursuing his private pilot’s license.

Education:
Texas Tech University | Agricultural and Applied Economics, B.S.

Clay Miller has more than 25 years of banking experience, including over 10 years with Peoples Bank. Raised on his family's ranch, Clay has a deep understanding of the agricultural industry and is passionate about helping farmers and ranchers succeed. His family's ranching heritage spans more than 125 years. He serves as Post Branch Manager and Senior Vice President for Peoples Bank.

A resident of Post for over 25 years, Clay is committed to supporting his community and has been actively involved with the Post Area Chamber of Commerce for more than 10 years.

Clay lives in Post and is the proud father of five children.

Education:
West Texas A&M University | Agricultural Business and Economics, B.S.

Jayson Lam has been serving customers and communities in the banking industry since 1990. He joined Peoples Bank through its merger with First Bank & Trust Whitney in 2021 and serves as Branch President in Whitney.

Committed to community involvement, Jayson serves as Treasurer of the Lake Whitney Chamber of Commerce Board of Directors and is dedicated to supporting the growth and success of the Whitney area.

Jayson and his wife, Laura, have two daughters and one granddaughter. They are active members of Coryell Community Church and enjoy spending time with their family and serving their community.

Education:
Texas A&M | Economics, B.S.
Southwestern Graduate School of Banking | Dallas, TX

Josh Gandy has more than 19 years of banking experience, all of which have been with Peoples Bank. During his career, he has served customers in both Slaton and Lorenzo and currently serves as Branch President in Slaton, where he is committed to helping individuals, families, and businesses meet their financial goals.

Dedicated to his community, Josh remains actively involved with the Lorenzo Lions Club, reflecting his longstanding commitment to serving the areas where he lives and works.

Josh and his wife, Paige, have been married for more than 20 years and have two children, Jaylee and Colt. Outside of work, he enjoys traveling and spending quality time with his family.

Education:
Texas Tech University | Agriculture Education

Bryan Studer serves as Senior Vice President and Ag Lender at Peoples Bank, bringing 26 years of banking experience and over three years with Peoples Bank. He specializes in agricultural lending and oversees Peoples Bank's USDA Farm Service Agency Guaranteed Loan Program, helping farmers, ranchers, and agricultural businesses secure financing to support and grow their operations.

Bryan is committed to serving both the agricultural industry and the broader community. He serves as a Board Member for Voice of Hope (Lubbock Rape Crisis Center), is a member of the Lubbock County AgriLife Extension Leadership Advisory Board, and serves on the Board of the Texas Tech University Bankers Agricultural Credit Conference.

Bryan and his wife, Amy, have two children and three grandchildren. In his free time, he enjoys spending time with family, traveling, and attending concerts. He is also an avid Red Raider fan!

Education:
Texas Tech University | Agricultural and Applied Economics, Bachelor of Science
Texas Tech University | Texas Tech University School of Banking

Dana Winn brings more than 40 years of banking experience to her role. She joined Peoples Bank through its merger with First Bank & Trust Seymour in 2021 and leads the Seymour market as Branch President.

A lifelong Seymour resident, Dana is passionate about serving her community. She currently serves on the boards of several local organizations, including the Seymour Chamber of Commerce, Seymour Beautification Project, Seymour Cemetery Association, Seymour Community Development Committee, and Gospel Advance Project.

Dana is a proud graduate of Seymour High School. She and her husband, Sid, have two children, Shelby and Brayden, and four grandchildren.  They are members of First Baptist Church Seymour. In her free time, Dana enjoys spending time with her family and being actively involved in her grandchildren's lives.

Marc co-founded Cornerstone Home Lending in 1988 amidst one of the worst downturns in home lending history with one purpose in mind: To make a positive difference in the lives of others. He served as CEO of Cornerstone Home Lending for 34 years before becoming the Chairman of Cornerstone Capital Bank in October 2022 upon Cornerstone’s acquisition of Roscoe Bank. Marc and his experienced leadership teams have successfully navigated the Cornerstone family of companies through many significant industry downturns and expansions. He attributes Cornerstone's continued success and growing legacy to Team Members' passionate commitment to Cornerstone’s written Mission, Vision, & Convictions Statement, the daily guidebook for everything Cornerstone.

Marc grew up in the Houston area and started his career in public accounting after college before joining the mortgage industry as Chief Financial Officer and later Senior Vice President-Retail Loan Production for North American Mortgage Company in 1978, which was acquired by Mutual of New York (MONY) in 1986. During Marc's 10-year tenure there he gained the financial and loan production experience to start Cornerstone in 1988 as a uniquely different kind of mortgage company – one that focused on a servant-leadership approach by adding value to Team Members and clients in order to earn their trust, and closing loans on time, every time.

Education:
The University of Texas at Austin | Bachelors in accounting

Adam has served as Chief Executive Officer – Mortgage Bank since 2022. He has been a member of Cornerstone's Executive Committee since 2014 and a member of its Board of Directors since 2021.

Prior to joining Cornerstone in August 2014, he was an attorney with Hunton Andrews Kurth (f/k/a Andrews Kurth) in Houston, where he counseled clients on capital markets transactions, mergers and acquisitions, and joint ventures, as well as public company reporting, corporate governance, and compliance matters, including assisting as outside Securities and Exchange Commission counsel for the boards of directors of two publicly traded companies.

He is a graduate of the McIntire School of Commerce at the University of Virginia. He graduated Cum Laude from the University of Houston Law Center, where he received honors for The Order of the Coif and The Order of the Barons. He is a member of the State Bar of Texas and has served as either a board director or as an advisory director to privately held community banks in Texas.

Education:
University of Virginia | Bachelor of Science
University of Houston Law Center | J.D.
Stanford University | Stanford Executive Program (SEP) Graduate

Scott's 30+ year career includes executive leadership roles with both public and private banks, and mortgage companies. He joined Cornerstone to lead the organization's historic bank conversion plan, including a first of its kind Texas merger with Roscoe Bank in 2022. That transaction resulted in Cornerstone becoming the highest capitalized new bank in Texas history. He serves as Cornerstone's enterprise President and Chief Executive Officer, and as a member of the board of directors.

Before joining Cornerstone, he served as Executive Vice President, Chief Operating Officer at LegacyTexas Bank and its publicly traded holding company, LegacyTexas Financial Group, Inc., one of the fastest growing banking franchises in the Southwest. During his leadership at LegacyTexas, the bank was recognized with relative performance awards by Fortune, Forbes, S&P Global, and the Dallas Business Journal, and by advisory firms such as Raymond James and KBW. Prior to that, Scott served as the managing member of a law firm in Dallas, where he focused on corporate, securities, regulatory, and transactional matters affecting banks, bank holding companies, and other financial firms. He also served at a publicly traded bank and bank holding company in a variety of progressive leadership roles, including as board member at its nationwide mortgage company.

Scott's experience includes leadership roles with the American Bankers Association, Texas Bankers Association, Risk Management Association, the Southwest Association of Bank Counsel, and with a wide variety of non-profit and community organizations. He is a member of the State Bar of Texas.

Scott's passion for growing in a way worthy of Cornerstone's long-standing culture and mission is reflected in the organization's 2023 recognition by the Houston Business Journal with its first-ever Family-Owned Business Award (large company category), Independent Community Bankers Association's list of "Top Lenders" (over $1 billion in assets group), and "Top Workplace" awards in multiple cities.

Education:
Texas Tech University School of Law | J.D.
Texas A&M University | B.B.A.
University of Pennsylvania Wharton School of Business| Executive Program

LinkedIn: https://www.linkedin.com/in/scottalmy/

Larry Allen began his banking career in 1980 and has experience working in various departments within the bank, which led him to first being named a bank President in 1996.

Peoples Bank was established in 1999 when a group of local investors led by Larry Allen and his business partner, Todd McKee, purchased Lorenzo State Bank. Lorenzo State Bank was operating under a state banking charter granted in 1968.

Larry served as Chief Executive Officer and Chairman of the Board of Directors for Peoples Bank. Before merging with Cornerstone in 2026, Peoples Bank became a leading community bank with 13 locations across West Texas and the Dallas-Fort Worth area, including branches in Lorenzo, Lubbock (3), Nazareth, Post, Princeton, Seminole, Seymour, Shallowater, Slaton, and Whitney, with a loan production office located in Frisco.

Larry's passion is people and he has always believed in the mission of Peoples Bank, "to be the best employer its employees have ever worked, to be the best bank its customers have ever banked, the best investment its shareholders have ever made."

With Larry's leadership, Peoples Bank was named Best Bank to Work For for over 10 years.

Larry has always believed in giving back to the communities. He is a past Trustee for the Frenship ISD Board of Directors and has spent countless hours volunteering with organizations such as Lubbock Meals on Wheels, Texas Girls and Boys Ranch and tutoring local elementary students.

Larry has received multiple honors, including the Paul Harris Fellow award by the Rotary Club of Lubbock and is a graduate of Leadership Lubbock.

Education:
Texas Tech University | Finance
Graduate School of Banking, Colorado University
National Commercial Lending School, University of Oklahoma
Leadership at the Peak, Center for Creative Leadership

Molly spent over 40 years in the financial services industry. Her experience ranges from time spent as a bank examiner, a bank executive officer, and a partner at a public accounting firm specializing in regulatory matters.

Molly adds a valuable perspective to the board room thanks to her aptitude and experience in finance, operations, compliance, risk, governance, and general business acumen.

Education:
John Carroll University, University Heights, OH BS/BA
Certified Public Accountant, Texas

John has been a part of the banking industry since 1981 when he began his career as a lender with Fort Worth National Bank, later known as Texas American Bank/Fort Worth and Team Bank. In 1990, he returned home to serve as President/CEO of Roscoe Bank and continued in that capacity until Roscoe’s 2022 merger with Cornerstone Home Lending to create Cornerstone Capital Bank.

John has held multiple community and trade group leadership positions, including Chairman of the Board of the Independent Bankers of Texas (IBAT), advisory board member of the Conference of State Bank Supervisors (CSBS), and multiple years as Chairman of the Board of Sweetwater Enterprise for Economic Development, Inc.

John is thrilled to have found an organization in Cornerstone, whose culture and values align with that of Roscoe Bank, and is honored to continue to serve as a strategic leader and board member.

Education:
Texas A&M University | B.S. Agricultural Economics

Larry Allen began his banking career in 1980 and has experience working in various departments within the bank, which led him to first being named a bank President in 1996.

Peoples Bank was established in 1999 when a group of local investors led by Larry Allen and his business partner, Todd McKee, purchased Lorenzo State Bank. Lorenzo State Bank was operating under a state banking charter granted in 1968.

Larry served as Chief Executive Officer and Chairman of the Board of Directors for Peoples Bank. Before merging with Cornerstone in 2026, Peoples Bank became a leading community bank with 13 locations across West Texas and the Dallas-Fort Worth area, including branches in Lorenzo, Lubbock (3), Nazareth, Post, Princeton, Seminole, Seymour, Shallowater, Slaton, and Whitney, with a loan production office located in Frisco.

Larry's passion is people and he has always believed in the mission of Peoples Bank, "to be the best employer its employees have ever worked, to be the best bank its customers have ever banked, the best investment its shareholders have ever made."

With Larry's leadership, Peoples Bank was named Best Bank to Work For for over 10 years.

Larry has always believed in giving back to the communities. He is a past Trustee for the Frenship ISD Board of Directors and has spent countless hours volunteering with organizations such as Lubbock Meals on Wheels, Texas Girls and Boys Ranch and tutoring local elementary students.

Larry has received multiple honors, including the Paul Harris Fellow award by the Rotary Club of Lubbock and is a graduate of Leadership Lubbock.

Education:
Texas Tech University | Finance
Graduate School of Banking, Colorado University
National Commercial Lending School, University of Oklahoma
Leadership at the Peak, Center for Creative Leadership

Brett Cate has more than 30 years of experience in the technology industry and has served in many leadership roles throughout his career.

Recognized for his strategic leadership and deep understanding of both finance and technology, Cate has years of experience helping organizations improve operations, customer service, and performance through innovative technology solutions.

In addition to his professional accomplishments, Cate has been active in the Lubbock business community through leadership, investment, and civic involvement, contributing to the continued growth and success of the region. He serves on the board of Jochebed’s Hope, an organization that serves the children of Indonesia.

Outside of business, Brett is a devoted family man. He and his wife, Sherry, have two daughters and three grandchildren.

Education:

Lubbock Christian University | Bachelor of Science, Business Administration

Chuck Darter is a respected accounting professional and business advisor based in Lubbock, Texas, with decades of experience serving individuals, entrepreneurs, and small businesses throughout the region. As the owner and principal of Charles W. Darter Jr. CPA, he has built a reputation for delivering reliable accounting, tax preparation, financial consulting, and business planning services with professionalism, integrity, and personalized attention.

Known for his client-focused approach, Chuck values building lasting relationships based on trust, responsiveness, and sound financial advice. His dedication to delivering accurate, timely, and effective solutions has made him a trusted resource for businesses and individuals throughout West Texas.

Chuck is a member of the Texas Society of Certified Public Accountants.

Chuck is a devoted family man and a longtime supporter of Texas Tech athletics. His dedication to both family and community reflects the same principles of loyalty, hard work, and stewardship that have guided his professional career.

Education:

Texas Tech University | Bachelor of Business Administration

Jon Drake has more than 34 years of banking and financial services experience. He began his career in 1986 as a National Bank Examiner and has extensive experience in corporate planning and accounting. Prior to the merger with Cornerstone in 2026, Jon served as Chief Financial Officer of Peoples Bank for 20 years, providing strategic financial leadership and guidance.

A dedicated community servant, Jon has been actively involved with numerous local organizations. He has served in various leadership roles with Lubbock Meals on Wheels  and Parkridge. He and his wife are members of Indiana Avenue Baptist Church.

Jon is the proud father of two Texas A&M Aggies and enjoys spending time with his three grandchildren.

Education:
West Texas A&M University | Bachelor of Business Administration

Kevin Petty has more than 30 years of banking experience, with a strong background in lending and relationship management. He serves as Market President for Peoples Bank and led the successful opening of the bank's Seminole branch.

A longtime advocate for his community, Kevin has served as President of the Seminole Economic Development Corporation for more than 15 years, helping drive growth and opportunity in the region. His community involvement has also included service as Vice President of the Seminole Independent School District Board of Trustees, as well as leadership and volunteer roles with the Lions Club, Seminole Industrial Foundation, and Seminole Athletic Booster Club.

Kevin is passionate about supporting local businesses, strengthening communities, and building lasting relationships with the customers he serves. He and his wife, Shelly, have three kids and one grandchild on the way.

Education:
Texas Tech University | Ag Economics

Ronnie Bilbo is the co-founder and owner of RPS Solutions, bringing more than 30 years of experience in business development, strategic leadership, and workplace safety solutions.

Ronnie has dedicated his career to developing businesses, mentoring teams, and creating environments where people and organizations can thrive. Known for his hands-on leadership style and West Texas work ethic, he believes in fostering a culture that empowers individuals to reach their full potential while embracing new technologies and continuous improvement.

Ronnie serves on the South Central Board of Trustees for National Multiple Sclerosis Society.

Outside of business, Ronnie is a devoted family man, a passionate supporter of Texas Tech athletics, and an avid golfer. His leadership philosophy centers on building meaningful relationships, encouraging personal growth, and creating opportunities for long-term success for employees, clients, and partners alike.

Education:

Texas Tech University | Bachelor of Business Administration, Finance

Sam Middleton was born and raised in Lubbock, Texas, attending Lubbock public schools and Texas Tech University. In 1971, Sam joined his father in the family business, Chas. S. Middleton and Son, which was established by Sam’s grandfather in 1920. This firm specializes in sales and appraisals of farms and ranches.

Sam is a licensed Real Estate Broker in Texas, New Mexico, Oklahoma, Colorado and Kansas. Sam also holds the Accredited Rural Appraisal (ARA) designation through the American Society of Farm Managers and Rural Appraisers. He is also a State Certified Appraiser.

Over the years, Sam has been fortunate to have sold some of the largest and most historic ranches in the Southwest United States, and these dealings led Sam to author Swapping Dirt, which chronicles some of these stories.

Sam has served on the All Saint’s School Board, the American Windpower Museum Board, the Covenant Children’s Hospital Board, and the National Ranching Heritage Association Board as past President. Sam currently serves on the Texas Tech University Equestrian Center Executive Board and on the Advisory Board of the Ranch Management Master’s Degree Program at Texas Tech University.

In 2021, Sam was honored to receive the Gerald W. Thomas Outstanding Agriculturalist Award for Agribusiness presented by the College of Agriculture Sciences and Natural Resources at Texas Tech University. In 2024, Texas Tech University Department of Animal and Food Sciences awarded Sam their Distinguished Service Award and inducted him into the Animal and Food Sciences Hall of Fame. The Distinguished Service Award is given to those who have made significant contributions to the department by giving of their time and resources.

Sam married his wife, Patricia in 1972 and they have two sons, Charles, wife Jennifer, and Jed, wife Haley, along with five grandchildren.

Walt Hagood is a fourth-generation West Texas farmer and rancher with a lifelong commitment to agriculture and rural communities. Walt graduated from Tahoka High School and attended Texas Tech University.

He has been raising cotton, feed grains and cattle in Hockley, Lynn, and Lubbock counties for over 47 years. His deep roots in agriculture, combined with decades of firsthand experience, have earned him the respect of producers and industry leaders throughout the region.

A dedicated advocate for agriculture, Walt has served in numerous leadership roles over the years, including six years as District II State Director for the Texas Farm Bureau. Previously, he served as both Secretary/Treasurer for Texas Farm Bureau. He also serves on the Southwest Council of Agribusiness.

Walt takes great pride in supporting organizations that share his commitment to agriculture and agricultural lending. Through these positions, he has worked to represent the interests of farmers and ranchers while helping address the challenges and opportunities facing Texas agriculture. His extensive knowledge of the agricultural economy and rural communities has made him a valued resource and trusted voice in the industry.

Walt has been so instrumental in providing insight to help Peoples Bank better serve their ag communities and customers.

When he is not working on the farm, Walt enjoys spending time with his wife, Glinda, and his family. His dedication to agriculture, leadership, and community service continues to make a lasting impact across West Texas.