Spotlight On: Breanne Granberg, President, TXN Bank

March 2025 —Breanne Granberg, president of TXN Bank, spoke with Invest: about how technology,  customer service, and commitment to serving the community drives its business. “As we grow, we will remain a trusted advocate for our communities, balancing regional strength with local heart,” she said.

Looking back at the past year, what are some significant milestones and achievements for TXN Bank in the San Antonio region? 

TXN Bank was started in 2022 after a merger of two local, Hondo banks, and we were able to  bring that merger full circle in 2024 with the completion of a new headquarters facility. We  completed the buildout of our headquarters which brought employees from three different  locations into one. That consolidation was a big moment for our employees and our community.  

What aspects of San Antonio make it an ideal location for your operations, and how does  this location benefit your members? 

San Antonio and the surrounding area offers a wide variety of businesses and economic  opportunities as well as a great lifestyle in which to raise a family. When we designed our new building, we did it mindfully in order that it be welcoming to not only the local community, but  also to those new families moving into our area. Our new location is one of the first things new residents see when they move to the community. The location on Highway 90, as compared to its previous location in the downtown area, was a deliberate decision. In Medina County, we are seeing tremendous growth as people are moving west from San Antonio and seeking a quieter lifestyle or work-from-home situation. Part of our positioning here is to benefit them and also be welcoming for new people coming into town as they move out of San Antonio, but still have the conveniences of the technology a big city has to offer.  

How does TXN Bank differentiate itself from other financial institutions, and what gives you a competitive edge? 

Almost every bank offers the same basic services, but we pride ourselves on being a  community bank that also leverages technology. We have interactive teller machines that allow  us to have extended hours in all of our drive through locations. Customers can still walk in and  have one-on-one conversations with tellers, managers, and even the CEO, and tellers know  their customers by name. In implementing ITM machines, we have the ability to offer the best of both worlds. Customers of TXN Bank have the option to bank with us from anywhere using  mobile banking, online banking and treasury management services. 

What is your overview of the banking and financial services industry in San Antonio? The end of 2024 saw a brief slowdown. I believe that businesses were waiting to see what  transpired with the election and potential rate changes. Now that we have moved past 2024,  into 2025, we are seeing a pickup in momentum as borrowers are reengaging in business  transactions. In addition to having the election and 2024 behind us, I believe that borrowers and bankers alike have grown more accustomed to higher interest rates. Experiencing an extended period of near-zero interest rates created sticker shock for most people as rates rose. Now, we’re getting past that sticker shock to some degree. People are beginning to recognize what could be our new normal and we are seeing business trends pick up. 

Where does the demand for your products and services come from? Are there any  specific targeted industries you plan to attract? 

We don’t have a specific niche market. One of TXN Bank’s strengths is our versatility in serving a wide range of customers. We have everything from a mortgage product for the families moving west out of San Antonio, to commercial real estate loans and small business loans to farm operating and crop loans. Because of our size, we have the ability to be nimble and meet our customers where they need us.  

How are you working with small and medium-sized businesses to help them grow and navigate financial challenges? 

The last few years have been challenging for small-business owners due to the rate increases.  The cost of doing business has changed dramatically. We prioritize sitting down with customers  and having candid conversations to help us understand their business in a manner that allows  us to tailor our services for their individual needs, whether that’s a loan or treasury management product. Listening to our customers, spending time with them, and getting to understand their business and needs is of utmost importance. 

What is your view of the labor pool, given the influx of people into the San Antonio region? 

Attracting and retaining talent is a persistent challenge. The job market is competitive, and  remote work options present challenges to acquiring talent. Being in primarily rural markets is  an additional challenge. We have become more adaptable on some hybrid/work from home  options. Presenting employees with opportunities for growth also helps to retain talent. When  we look within our own ranks and put people in the right positions, it benefits us in the long run.  We don’t have a large market to pull from to find employees. We work hard to challenge  employees, promote from within, and give them tools to be successful. 

Are there any specific partnerships you have in place to continue to promote the financial profession? 

The Texas trade associations for bankers, both the Independent Bankers Association of Texas  and Texas Bankers Association, are tremendous outlets for education and the different  opportunities they provide for employees. They provide webinars, newsletters, conferences, and onsite learning events. Our employees are involved in these organizations to help continue the growth in our industry.  

With broader economic and regulatory trends, are there any challenges you are seeing, especially with a new legislative year coming? 

Senate Bills 1071 and 1033 are two important pieces of legislation we are watching. 1071 is  small-business data collection, and banks will be required to collect more information on our  small-business borrowers, which presents implementation challenges, especially for smaller  banks. Senate Bill 1033 is a proposal for open banking, which would require banks to be able to transfer customer information from one financial institution to another. 1033 poses numerous  challenges, not the least of which is to how we as financial institutions ensure the security of our  customer’s personal information as it is transferred from one institution to another. In light of  recent changes coming out of Washington, we’ve been monitoring what will happen with the  CFPB (Consumer Financial Protection Bureau) and the rules they were in the midst of implementing. 

How are you leveraging technology innovation to enhance customer experience and create efficiencies for your teams? 

Interactive teller machines are the big thing that separates us in the communities we currently serve. They allow us to provide the same teller services in our drive throughs all while having  longer hours. We have one set of tellers who are running interactive teller machines at all of our locations. These tellers service seven drive through locations all from our main office in Hondo. The customer still receives a one-on-one experience, interacting with the same tellers they know from in-branch visits. In addition to the added service hours provided by the ITMs, TXN Bank offers enhanced treasury management services, a robust online banking platform, and e-sign capability. Pairing these services with what I would consider outstanding customer service is what creates a unique and enhanced customer experience. 

How are you contributing to the San Antonio community beyond your financial services?

We have a phenomenal staff across our six locations that are involved in many different  community activities, such as coaching little league, being an officer of the local chamber of  commerce, the Lions Club, and various education foundations just to name a few. Putting our  people in the community and making sure we are giving our employees the resources and time  to be active in those organizations is a key focus for TXN Bank. We have an employee who  spends time in schools teaching financial literacy, we support the local food pantries and the  local children’s advocacy groups. These are just a few of the ways in which we work to enhance our community beyond financial services. 

What is your outlook of TXN Bank’s growth over the next two to three years? 

We continue to operate in a manner that Texans can think of our bank as a member of the  community and can take care of their business needs. I see tremendous growth in the future of  TXN Bank, as we work through changes in the regulatory and economic environment. I foresee TXN Bank becoming a regional powerhouse while remaining a true community member and advocate for our local businesses and families. Our vision is clear: When people think of TXN  Bank, we want them to think of a true community bank, one that takes care of all their needs, from personal banking to business growth. As we grow, we will remain a trusted advocate for our communities, balancing regional strength with local heart.