William "Bill" Tandy

Chief Executive Officer

William M. Tandy, a native of Montana, grew up in the country and has been in the banking industry for 35 years, serving as a bank president and CEO for nearly 25 of those years. Previously in his career, he served as CEO of two North Texas banks. He has extensive experience in raising capital and reducing problem assets, while maintaining and developing new business. Bill has a master's degree in business administration from Southern Methodist University and a bachelor's degree in business finance from the University of Montana. He and his wife, Susan, have four children.

Charlotte Sellers

Chief Credit Officer

Charlotte Sellers has been employed by the Association since February 2011. Mrs. Sellers received her bachelor's degree in business administration from Murray State University in Kentucky. She is also a graduate of the Economic Development Institute in Norman, Oklahoma. Mrs. Sellers has 13 years of banking experience in management, growing accrual loans as a Chief Credit Officer, commercial and residential lending, collections, working out problem assets, credit underwriting, and compliance.

Heath Gattis

Chief Financial Officer

Heath Gattis has been employed by the Association since November 2010.  Initially occupying the Vice President of Credit role, he was recently elevated to CFO in May of 2018.  Mr. Gattis brings 25 years of banking experience comprised of roles in bank regulations, financial reporting, lending and CEO of a community bank.  He is a graduate of Texas A&M University with a Bachelor of Business Administration in Finance.


Chief Executive Officer
Chief Credit Officer
Chief Information Officer
Chief Financial Officer
Vice President of Marketing
Vice President Credit Reviewer
Credit Analyst Associate
Senior Appraiser
Marketing Specialist
Regional Vice President
Human Resources Manager/Board Secretary
Director of Compliance & Loan Operations
Loan Processor
Loan Processor
Loan Closer
Accounting Manager
Assistant Controller
Accounting Clerk
Accounting Specialist
Credit Administrative Assistant
IT Support Specialist
4608 Kinsey Drive Suite 100
Tyler, TX 75703
Phone: (903) 534-4975
Toll Free Phone: 877-404-5263
Fax: (903) 534-5160
Loan Closer
Regional Vice President/Branch Manager
Senior Loan Administrator
205 S. Palestine
Athens, TX 75751
Phone: (903) 675-8010
Fax: (903) 675-6027
Branch Manager/Vice President Lending
Vice President/Loan Officer
Vice President/Loan Officer
Credit Analyst
Loan Adminstrator
Office Administrator
301 Commerce Suite 1380
Fort Worth, TX 76102
Phone: (817) 986-0910
Toll Free Phone: (855) 510-6734
Fax: (817) 334-7974
Regional Vice President/Branch Manager
Vice President/Loan Officer
Senior Loan Administrator
Loan Administrator
5901 Wesley Street Suite 102
Greenville, TX 75402
Phone: (903) 455-2835
Toll Free Phone: (866) 576-9508
Fax: (903) 455-2274
Branch Manager/Loan Officer
Senior Loan Administrator
2519 North Stallings Drive
Nacogdoches, TX 75964
Phone: (936) 564-8271
Toll Free Phone: (877) 395-8271
Fax: (936) 560-5477
Branch Manager/Loan Officer
Loan Administrator
17752 Hwy 69 N
Lindale, TX 75771
Phone: (903) 638-8511
Fax: (903) 638-8508
Loan Officer
2003 N. John Redditt Dr.
Lufkin, TX 75904
Phone: (936) 899-7051
Fax: (936) 899-7068
Vice President/Branch Manager
Loan Administrator
4608 Kinsey Drive Suite 200
Tyler, TX 75703
Phone: (903) 534-5040
Fax: (903) 534-0023
VP Commercial Lending/Branch Manager
Vice President/Loan Officer
Senior Loan Administrator
Loan Administrator
Credit Analyst Manager
2790 Virginia Parkway
McKinney, TX 75071
Phone: (972) 562-6906
Toll Free Phone: (888) 265-7506
Fax: (972) 548-2641
Vice President/Branch Manager
Senior Loan Administrator
Loan Administrative Associate
Loan Administrator Associate
2209 South Loop 256, Suite #200
Palestine, TX 75801
Phone: (903) 729-4667
Fax: (903) 729-6169
Loan Administrator
303 W. Rusk
Jacksonville, TX 75766
Phone: 903-339-3173
Fax: 903-339-3176