Happy State Bank

Happy State Bank: Getting a bank loan is not always easy. You have to consider the reputation of the company, their financial strength, and the amount of the loan. Some banks may seem better than others, but it all depends on how the company handles their customer service.


Founded in Happy, Texas in 1908, Happy State Bank provides a wide variety of financial services to individuals and businesses. The Bank operates from 62 branches in 43 communities throughout Texas, Arkansas, Florida, Alabama, and New York. It has over $4 Billion in assets and $28 Million in loan portfolio.

In 1990, a group of investors led by J. Pat Hickman purchased Happy State Bank. The Bank had six employees and a $10 million in assets. It was renamed Happy State Bank in 2004.

Happy State Bank merged with Home BancShares Inc. in 2021. The merger cleared the way for Happy to become a division of Centennial Bank. The new parent company is based in Conway, Arkansas.

The new leadership at Happy State Bank has not had an easy ride. They have lost entire loan production teams in Lubbock, Plainview, and Amarillo, Texas markets. According to one former employee, the issues started to surface after the new management team took over. This was a surprise to many.

In April 2020, Happy announced a new CEO. Mike Williamson was selected to be the President and Chief Executive Officer of Happy. He was previously the DFW Market President for the bank. He also served as Chief Operating Officer from 2015 to 2019. He was elected to the Board of Directors last year. However, he did not reply to our request for comment.

The Bank has also been awarded the Torch Award by the Better Business Bureau. In August of 2004, Happy State Bank acquired Colonial Trust Company. In 2012, it added Signature Bank, and in 2014 it opened a branch in Addison. In addition, it acquired four locations from First Bank & Trust of Seymour.

Assets totaling $3 billion

Considering its hefty $3 billion in deposits, Happy State Bank has a ton to brag about. While the company may not be as flashy as some of its rivals, it does have a solid suite of online and mobile banking products to go along with its physical presence in Texas and the panhandle. The most important thing to consider is the company’s overall customer satisfaction, which is not too shabby given its stellar reputation. For those looking for an uncluttered place to stash their money, the Happy State Bank may be just the ticket.

Happy State Bank is also one of the few banks to offer free checking, making it an ideal option for those on a budget. Besides, it is a full-service bank, which means you can’t go wrong. For those who prefer the old-fashioned way, Happy State Bank has 36 locations to choose from. To top it off, Happy State Bank is FDIC insured, making your money safe in its custody.

Deposits totaling $3 billion

Founded in 1908, Happy State Bank is a traditional brick and mortar institution that are known for their low-cost online and mobile banking services. They offer a bevy of banking products and services, including checking and savings accounts, CDs, and money market accounts. They have over 36 branches across the state and boast a stellar customer service record. They are an FDIC insured financial institution, which is no small feat in today’s climate of financial stress.

Considering the impressive number of branches and the competitive rates and fees, Happy State Bank is a solid choice for your money. They also offer some of the best APYs in the industry, making them well worth a second look. Their high-interest savings account is the smart way to stash your cash, and you won’t get hit with a hefty fee if you’re lucky. They also have one of the lowest ATM fees in the business, so you’ll have a plethora of surveys to choose from. If you’re looking for the best bank in the Houston area, Happy State Bank is the place to be. The name may be a mouthful, but the products and services they offer are anything but. Hopefully, you’ve made the right choice for your financial future.

Loan portfolio

Founded in 1908 in Happy, Texas, Happy State Bank is a community-focused regional bank headquartered in Dallas-Fort Worth with a presence in 25 Texas communities. It offers new loans and credit cards. It also offers loan deferments and account changes. It has FDIC insurance. The bank is one of the leading banks in Texas.

The company’s assets are spread out across the Panhandle/South Plains region of Texas. They are heavily concentrated in commercial real estate and construction and development sectors. They are also very active in personal loans. They have received several awards from the United States Treasury Department and the Better Business Bureau. They have a financial literacy program in 34 elementary schools and are active with the Better Business Bureau’s Torch Award, which recognizes a bank’s ethical business practices.

In 2012, Happy Bancshares entered the Dallas-Fort Worth market. They have built up 30% of their loan portfolio in the area. Their assets are sold as securitized loans. They have recovered $1411,000 from the sale of these loans. The company has also made several acquisitions in the last three years. Its recent deals include a deal with First National Bank of Tahoka and Muleshoe Bancshares Inc.

The deal with Home BancShares was done in April, and it is expected to boost the company’s capital position. The two companies have completed a $918 million deal. It is expected to close in early 2022. The transaction will add J. Pat Hickman to the board of directors.

In addition to the merger, has been partnering with Lightico to provide its customers with a mobile-first platform. It allows users to apply for loans and upload supporting documents virtually. They also use Lightico’s text-messaging service to communicate with their customers.

Customer service

Whether you’re looking to open a new account or need some financial advice, Happy State Bank has you covered. They have more than 40 locations throughout Texas and the surrounding states. The bank specializes in personal and business banking, as well as wealth management services. As a part of Centennial Bank, Happy State Bank has been in business for more than a century.

Happy State Bank is a strong competitor in the banking arena. They offer a debit card at most of their branches, which is a great way to save for the future. Also, you can take advantage of their mobile banking features. These include text and photo banking, which make it easier to stay on top of your finances. Some branches even offer drive up hours. You can also check out their official website for more information.

Despite its small size, Happy State Bank has a large amount of assets. In fact, it ranks as one of the top 20 banks in Texas. They are also a recipient of the prestigious Torch Award from the Better Business Bureau. They are a strong contender for the best bank in the U.S. and one of the best places to work in the U.S. They have more than 1,000 employees.

As you can see, Happy State Bank is a pillar of the community. They have more than $10 million in assets and operate a number of services that are important to their customers. They have a few limitations, however. They may charge a fee for certain transactions, and they may have restrictions on certain products and services. But, Happy State Bank is a solid financial institution, and you can trust them to handle your money in a responsible manner.

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