Total assets
$774 million
June 30, 2026
From $112.3 million, June 30, 2020
6.9× · +589.0%
Dallas-Fort Worth Metroplex
Zane Smith
Banker, board chairman, and former OCC national bank examiner.
About
I started in 2009 as a personal banker at Wells Fargo in Amarillo. In 2012 I joined the Office of the Comptroller of the Currency, which charters and supervises national banks, and that is where I cut my teeth. Over nearly eight years I went from Associate National Bank Examiner to Commissioned National Bank Examiner and Examiner-in-Charge in 2017. I led full‑scope examinations, conducted quarterly monitoring, and evaluated banks for credit, market, liquidity, operational, compliance, strategic, reputation, and governance risks. Working directly with management teams, I learned how banks break, and that shapes how I help them grow today. In 2020 I left to help build a bank, not just examine them.
In August 2020 I joined American Bank, a national bank headquartered in Dallas. From 2020 to 2024 I built its credit, compliance, technology, and enterprise risk functions. Today I serve as EVP, Chief Banking Officer, and I help lead the bank's continued growth. I am also Chairman of State National Bank, a national bank in Groom, Texas. I have been a director and investor there since February 2024 and Chairman since May 2026, and I am leading its turnaround and growth.
Track record
Dallas, Texas
American Bank, N.A.
EVP, Chief Banking Officer since January 2024. With the bank since August 2020.
Year ended December 31, 2024
+23.5%
Asset growth, to $557.3 million
+80.4%
Net income growth, to $7.3 million
Year ended December 31, 2025
+25.6%
Asset growth, to $700 million
+42.5%
Net income growth, to $10.4 million
January 2024 – Present
EVP, Chief Banking Officer
American Bank, N.A. · Grapevine, Texas
- Leads growth across new business lines, including note-on-note and bitcoin-backed lending, and the bank's existing lines.
- Built the bank's wholesale loan program, which continues to grow loan service income.
- Led the sourcing and closing of a sub-debt offering.
Chairs the Director Loan Committee and the Executive Loan Committee. Member of ALCO and ITSC.
April 2022 – January 2024
EVP, Chief Credit & Risk Officer
American Bank, N.A.
- Established and oversaw Credit, Compliance, Technology, and Enterprise Risk Management, and implemented a comprehensive enterprise risk management program.
- Developed and managed the risk function, leading to $211 million in organic asset growth.
August 2020 – April 2022
EVP, Credit & Risk Management
American Bank, N.A. · Dallas-Fort Worth Metroplex
- Developed and implemented a credit and risk framework from the ground up, and directed the establishment of Credit, Compliance, Technology, and Enterprise Risk Management.
- Facilitated $121 million in organic asset growth through effective risk management strategies.
Groom, Texas
State National Bank
Chairman since May 2026. Director and investor since February 2024.
Growth is measured from December 31, 2023, the last quarter-end before I joined the board.
Net loans
+98.9%
To $43.0 million, June 30, 2026
From $21.6 million, December 31, 2023
Peaked at $47.3 million on December 31, 2025
Total assets
+20.9%
To $55.1 million, June 30, 2026
From $45.6 million, December 31, 2023
+31.6%
Deposits, to $47.7 million
From $36.2 million, December 31, 2023
Operating costs
−14.0%
Noninterest expense, to $1.15 million
The first half of 2026, through June 30, 2026
From $1.33 million, the first half of 2025, through June 30, 2025
87.7%
Efficiency ratio, from 103.9%
Net income
$247,000
The first half of 2026, through June 30, 2026
A $1.13 million swing from the $886,000 loss in the first half of 2025, through June 30, 2025
Worked through legacy credit issues in 2025.
May 2026 – Present
Chairman
State National Bank · Groom, Texas
Leads the board through the bank's turnaround and continued growth.
February 2024 – Present
Director and investor
State National Bank · Groom, Texas
- Director and investor, working with management to keep the bank profitable and growing.
Earlier career
February 2020 – August 2020
Vice President
Veritex Community Bank · Dallas-Fort Worth Metroplex
- Conducted institution and concentration level stress testing for a $6 billion loan portfolio.
- Developed and implemented a COVID stress testing framework.
April 2017 – February 2020
Commissioned National Bank Examiner, Examiner-in-Charge
Office of the Comptroller of the Currency · Dallas-Fort Worth Metroplex
- Oversaw bank supervision as Examiner-in-Charge.
- Led full-scope examinations and quarterly monitoring of risk management practices.
- Rated credit, market, liquidity, operational, compliance, strategic, reputation, and governance risk.
July 2012 – April 2017
Associate National Bank Examiner
Office of the Comptroller of the Currency · Dallas-Fort Worth Metroplex
- Learned bank supervision working directly with bank management.
Credentials
- Certified Enterprise Risk Professional (CERP)
- Certified Community Bank Risk Specialist (CCBRS)
- Certified Information Systems Auditor (CISA)
- Commissioned National Bank Examiner
Recognition
- BOLT (Banking on Leaders of Tomorrow) honoree
Industry service
May 2023 – Present
IBAT Services Committee
Independent Bankers Association of Texas
Board of Directors member since May 2023.