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152 Carlee Place JAMES L. SMITH 479-366-5683
Pagosa Springs, CO 81147 [email protected]
www.linkedin.com/in/jamessmithcfp/

CHIEF EXECUTIVE OFFICER

Accomplished banking professional with 20+year career track highlighted by C-Level leadership roles in two
community banks. Dedicated to increasing income and profitability through best practices, strong customer /
community partnerships, and demonstrated commitment to fostering an engaged and collaborative team.

Organizational Culture … Credit Policy & Loan Portfolio Performance …
Financial Forecasting & Analysis … Operations / P&L Management…

EXPERIENCE & ACHIEVEMENTS

CITIZENS BANK (Being acquired by TBK Bank in September 2018) Pagosa Springs, CO  2017 – Present

Chief Executive Officer, President and Director
 Led bank to meet the following strategic goals;
 Redefine acceptable borrower payment behaviors to reduce past due loans, on-time renewals and fewer

classified assets. Efforts resulted in 30+ past dues shrinking to zero for three consecutive quarters and
reducing non performing loans by nearly 20%.
 Identified various profit improvement opportunities by researching bank fee schedules and re-negotiating
existing contracts/lease agreements.
 Realized zero team turn-over and improved employee morale by soliciting all team members for ideas on
how to realign work processes with a goal of improving efficiency.
 Standardized loan approval process by implementing required cash flow analysis and documentation
requirements.

BANK OF GRAVETT (Sold, now Legacy National Bank) Centerton, AR  2014 – 2017

Chief Lending Officer, Market President and Director
In this role, I partner with CEO to lead the company’s strategic direction while also directly leading the lending
function, serving as chairman of the loan committee and a member of the board of directors, overseeing a team
of 24 banking professionals and two full service branches.
 Produce sustained revenue and profit growth in highly competitive market through introduction of new

business development strategies. Identified competitive lending product gaps and led
design/implementation of new home equity loan and small business loan offerings.
 Leading effort to build de novo secondary market correspondent mortgage department.
 Successfully navigated through multiple FDIC and State led bank supervisory safety and soundness
examinations.

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GREAT SOUTHERN BANK (Publicly-traded bank operating in 6 states. Assets of $4.6 Billion) Rogers, AR  December

2010 – 2014

Market Manager & Commercial Loan Manager
Manage Commercial Loan Department, with direct accountability for financial performance and indirect
responsibility for all N.W. Arkansas bank operations. Lead a team of Commercial Lending Team and Branch
personnel.
As Marketing Manager, provide strategic direction for relationship management, bank owned real estate
disposal, marketing, community engagement and business development for the Northwest Arkansas region.
 Tasked with turning around a poorly-performing lending operation in 2011. Group was rated the Top

Commercial Scorecard team for 2012.
 In 2012 / 2013, Loan Department was challenged to develop a 30% increase in new commercial loans.

Empowered team to strategically target local business owners, centers of influence and professional services
relationships. Result: Led team to originate nearly a 40% increase in new commercial loans.

CAPITAL ONE BANK (Top 10 U.S. Bank with $98Billion in assets) Houston, TX  2008 – 2010

Senior Director; Business Sales, Strategy and Execution
Promoted to executive team creating strategy and driving the delivery of sustainable solutions to address
various business needs.
 To replace outdated customer relationship management (CRM) software, represented Business Banking

National Channel and engaged vendors in calculating new platform effectiveness against organizational
objectives.
 Key contributor to executive task force which produced a “playbook” of best practices in new business
development for use system-wide by the Business Banking segment.

Senior Vice President and Senior Director
Senior executive for Business Banking channel, Houston / SE Texas Region, servicing and growing over 5,000
business relationships. Accountable for managing $450M in deposits, $750M in loans outstanding, and
contributing more than $15M in bottom line revenue. Direct reports: 14 Business Bankers, a Senior Credit Officer,
Sales Support Manager and 8 Account Administrators. Member of Executive Disaster Response and Leadership
Team for the State of Texas.
 Successfully competed against peer regions company-wide in high-profile national sales campaign.

Engaged and led our team to rank #1 in the region: TX-2010 Amazing Journey National Sales Campaign.

WASHINGTON MUTUAL BANK (Top 10 US Bank; acquired by JP Morgan Chase in 2008) Houston, TX  2007 – 2008

Senior Vice President – Business Banking Regional Executive
Hired and managed Business Banking Relationship Manager teams in Houston, San Antonio, and Austin, with
$750M in assets under management. Targeted business clients with annual revenues of $5M-$20M.
 Despite global financial downturn and negative national press, redoubled sales and promotion efforts to

grow overall regional deposits by more than $25M and surpass goals for 2008.

BANK OF AMERICA, BANK OF ARKANSAS AND PRUDENTIAL INSURANCE  1994 – 2007
 1989 – 1994
 Commercial Lending, Private Banking and Insurance Agent

U.S. ARMY

Military Police, Overseas Active Duty

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EDUCATIONAL CREDENTIALS

19-MONTH GRADUATE SCHOOL OF BANKING AT COLORADO – EXECUTIVE DEVELOPMENT INSTITUTE – (IN PROGRESS)
3-YEAR GRADUATE SCHOOL OF BANKING AT COLORADO – University of Colorado Campus – Boulder
KANSAS STATE UNIVERSITY – Manhattan, KS – Master’s Level Certificate – Financial Planning
MISSOURI SOUTHERN STATE UNIVERSITY – Joplin, MO – Finance Major
ABA National Commercial Lending School – Dallas, TX
Bond Academy – Memphis, TN - ICBA Securities
Certifications: CERTIFIED FINANCIAL PLANNER ™, Community Emergency Response Team (CERT)
Licenses: NASD Series 26, 6, 63 (inactive); Life, Health, Fire, Auto & Property Insurance License (inactive)

AFFILIATIONS

BBV Chamber of Commerce: Vice Chairman (2007)
Northwest Arkansas Mercy Family YMCA: Treasurer (2011), Board Chairman (2012)

City of Bentonville – City Council Member – Elected at Large 2014 - present
Bentonville Advertising and Promotion Commission: Commissioner 2015 – present

“40 Under 40” Honoree for 2007, Northwest Arkansas Business Journal

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CITIZENS BANK OF PAGOSA SPRINGS AND TBK BANK ANNOUNCE PLANS TO
MERGE

Pagosa Springs, CO and Dallas, April 9, 2018 – James L. Smith, president and chief executive officer of
Citizens Bank of Pagosa Springs and Aaron P. Graft, chief executive officer of TBK Bank, SSB, are pleased
to announce the signing of an agreement for TBK Bank’s parent company, Triumph Bancorp, Inc. to
acquire Citizens Bank of Pagosa Springs and its parent company, Southern Colorado Corp.

Citizens Bank of Pagosa Springs’s two branches will join TBK Bank’s 53-branch network, 32 of which are
in Colorado.

“We are really excited about the acquisition of Citizens Bank of Pagosa Springs,” said Graft. “Pagosa
Springs is a wonderful community and TBK Bank will continue Citizens Bank of Pagosa Springs’s tradition
of meeting the community’s local needs.”

“Citizens Bank of Pagosa Springs will operate as TBK Bank following the close of the acquisition,” said
Smith. “While the name will change, our values will endure. TBK Bank has a strong commitment to
serving the communities in which they operate. They value their team members and their customers
greatly. I believe this partnership is good for our bank and for our community.”

The transaction is anticipated to close in the third quarter of 2018, pending regulatory approval. To view
the full press release regarding the announcement go
to: http://ir.triumphbancorp.com/file/Index?KeyFile=392951161

About TBK Bank

TBK Bank, SSB is a $3.5 billion bank offering personal and business banking from 53 branches. To learn
more about TBK Bank, please visit www.TBKBank.com. TBK Bank’s parent company, Triumph Bancorp,
Inc., is publicly traded on the Nasdaq under the ticker symbol TBK. To learn more about Triumph
Bancorp, please visit, www.TriumphBancorp.com.

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TBK Bank Media Contact:
Amanda Tavackoli
Senior Vice President, Marketing & Communication
[email protected] | 214-365-6930

Citizens Bank of Pagosa Springs Media Contact:
James L. Smith
President and Chief Executive Officer
[email protected] | 970-731-7235