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 and, in 2020, was a vice president at Veritex Community Bank. From July 2012 to February 2020 I worked at the Office of the Comptroller of the Currency, which charters and supervises national banks. I joined as an Associate National Bank Examiner and, in April 2017, became a Commissioned National Bank Examiner and Examiner-in-Charge. I left to help build a bank, not just examine them.
In August 2020 I joined American Bank, National Association, a national bank headquartered in Dallas. From 2020 to 2024 I established its credit, compliance, technology, and enterprise risk functions, and since January 2024 I have served as EVP, Chief Banking Officer. I helped lead the bank's growth over that time. Since February 2024 I have been a director and an investor at State National Bank, a national bank in Groom, Texas, and since May 2026 I have been Chairman, engaged to lead a strategic turnaround.
Track record
Dallas, Texas
American Bank, N.A.
Joined August 2020. EVP, Chief Banking Officer since January 2024.
American Bank, N.A. I joined in August 2020. Growth is from June 30, 2020, the last quarter-end before that month. Net income is the full year, from the December 31 report.
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
Since January 2024
EVP, Chief Banking Officer
American Bank, N.A. · Grapevine, Texas
- Led the sourcing and closing of a sub-debt offering.
- Led development of a successful wholesale loan program, enhancing loan service income.
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
Director and investor since February 2024. Chairman since May 2026.
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.
Since May 2026
Chairman
State National Bank · Groom, Texas
Chairman since May 2026.
Since February 2024
Director and investor
State National Bank · Groom, Texas
- Joined the board as an investor in February 2024 to lead a strategic turnaround of the bank in Groom, Texas.
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
Board and investments
Since May 2023
IBAT Services Committee
Independent Bankers Association of Texas
Board of Directors member since May 2023.