Board of Directors

Stephen Raffaele
Chief Executive Officer & President

123 Main Street
New York, NY 12345


American Bank, N.A.

George Hawn
Chairman Emeritus


Ben Wallace

American Bank, N.A.

Patt Hawn Wallace

Hawn/Wallace Investments and Chair, American Bank

Ralph Abendshein
Oakum Holdings LLC
Bibiana Dykema
Levy Dykema Architects
Douglas (Kit) Fox, MD
NeuroTexas, PLLC
Clayton J. Hoover, Jr.
CHH Interests, Ltd.
Mark Nini
GN Ventures, Ltd.
Ted Oakley
Oxbow Advisors
Jorge Rangel
Rangel Law Firm
Hil Stroup
Key Title Group
Gary Valdez
Focus Strategies, LLC
John Wallace
John Wallace Real Estate, LLC
Robert Webster, MD
Third Coast Health
Brad Wheeless
Business Advisor and Consultant
Richard Scanio
Vice Chairman

American Bank, N.A. (Retired)

Austin Regional Board

Joe Petet (Chairman)
American Bank, N.A
Ben De Leon
De Leon Law, PLLC
Beyrl Armstrong
Plateau Land & Wildlife Management
David Howell
G&S Business
John Greenwood
American Bank, N.A.
Skeeter Miller
County Line Restaurants
Tala Matchett
William A. Walker, Jr.
Stalker Energy LP

Corpus Christi Regional Board

Allison Webster
American Bank, N.A.
Christina Hawn
George S. Hawn Properties
Frank Scanio III
Rooke Scanio Interests, Ltd.
Jim Barnette
Coastcon Corporation
Richard S. Bonner, Jr.
Water Truck Rentals, Inc.

Houston Regional Board

Charlie Phillips
American Bank, N.A.
Cliff Kuykendall
Integrity Advisors, Inc.
Glenn Clements
Stewart Title Company (Retired)
Joe Petet
American Bank, N.A.

Leadership Team

Stephen Raffaele, CFA
Chief Executive Officer & President 

123 Main Street
New York, NY 12345


Stephen C. Raffaele is a long-time Texas business leader, having lived and worked in most of the major markets in Texas over his 34-year career. Raffaele has broad executive experience in banking, wealth management, financial management and reporting, investor relations, investments, mergers and acquisitions, public company governance, and strategic planning.

As President and CEO at American Bank, Raffaele manages and provides leadership to the bank’s management team, as well as develops and leads the strategic planning initiatives to ensure the long-term growth and profitability of the bank. He joined American Bank as Senior Executive Vice President and Chief Operating Officer in 2016 and was promoted to President and Chief Operating Officer in 2017. He became Chief Executive Officer and President in 2018. Prior to that time, Raffaele held various C-level positions in several financial organizations including F&M Bank & Trust Co. and Guaranty Bank, both in Dallas, as well as Sterling Bank in Houston.

Raffaele is a Chartered Financial Analyst (CFA) and is an active member of the CFA Institute. In addition, he currently serves on the board for the Texas Bankers Association, the largest state banking association in the country. Raffaele has also been involved with many other charitable organizations, including the Art Museum of South Texas, Boy Scouts of America, the American Cancer Society, and the Salvation Army. He is a graduate of Baylor University, where he earned a B.A. in Business.

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Tom Adams
Chief Financial Officer

As Chief Financial Officer, Tom Adams is responsible for all aspects of the bank’s accounting, policy and financial reporting functions. Before joining American Bank, Tom accumulated over 25 years of public accounting and financial service experience with Triumph Bancorp Inc. and F&M Bancorporation Inc., in Dallas and KPMG Chicago.

Tom is an active member of the American Institute of Certified Public Accountants, the Texas Society of Certified Public Accountants and the Dallas CPA Society. He’s also a proud alumnus of Illinois State University, where he earned a B.S. in Accounting.

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David Doherty
Chief Credit Officer

As Chief Credit Officer, David Doherty oversees and manages the bank's loan portfolio. With over 29 years of banking experience, David previously served as the Executive Credit Officer for IBERIABANK in Houston, with responsibility for credit approval and oversight of the Louisiana, Arkansas, Tennessee, Alabama and Texas energy markets, as well as credit responsibility for the business banking sector and the corporate-wide commercial underwriting team.

David graduated from Louisiana State University with a B.S. and an M.S. in Finance.

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John Greenwood
Market President – Austin

As Market President – Austin, John Greenwood is responsible for all commercial lending activities in Austin and the surrounding area. He has over 17 years of financial institution experience, and served as Executive Vice President with Frost Bank in Austin with responsibility for leading an Austin-based team of bankers focused on middle market and corporate client relationships prior to joining American Bank.

A native of Austin, John is active in the community, working with many organizations in both leadership and volunteer capacities including Ronald McDonald Charities of Central Texas, Habitat for Humanity, the Austin Chamber of Commerce – Opportunity Austin 4.0, Leadership Austin, and the Muscular Dystrophy Association. John has served on the Central Texas Board of the March of Dimes for the past 6 years. He holds a Bachelor of Science in Finance from Louisiana State University.

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Robin Ingari
Executive Credit Risk Officer

As Executive Credit Risk Officer, Robin Ingari has dual responsibilities as a regional credit officer and for developing and implementing new bank-wide enhanced credit risk management and enterprise risk management (ERM) programs. Prior to American Bank, Robin gained over 30 years of commercial banking experience while holding various leadership roles at Texas Commerce Bank, JP Morgan, Comerica Bank, and Regions Bank.

In addition to her banking duties, Robin is an active member of the local and state board of Robert Morris Associates, the executive committee and board of Any Baby Can, and the executive leadership team for the American Heart Association. She graduated from the University of Texas with a B.A. in Biology and an M.B.A. in Management and Finance.

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Patrick King

As Treasurer, Patrick King is responsible for the bank’s corporate treasury activities including investment management, loan and deposit pricing, and risk management. He joined American Bank with over 20 years of senior level banking management and operational experience at Bank SNB in Oklahoma City and the F&M Bank & Trust Company in Dallas.

Patrick graduated from the University of Texas at Dallas with a B.S. in Economics and Finance.

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Joseph T. “Todd” Lee
Chief Information Officer

Todd Lee is responsible for the bank’s information technology strategy and systems. Todd’s career spans more than 30 years, with leadership positions in the banking, education and corporate sectors after serving as a senior consultant with Andersen Consulting. Most recently, he was one of the executive founders of a new Texas-based bank holding company and served as Chief Operations Officer for the subsequent bank. His role there included responsibility for IT, deposit operations, treasury services operations, loan operations, project management, human resources and facilities. In addition to establishing new operational teams, he selected and implemented various platforms and provided day-to-day management for the bank.

Todd holds a Master of Business Administration and a Bachelor of Science from Texas Christian University in Fort Worth, Texas.

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Townes Mahaffey
General Counsel and Board Secretary

As General Counsel and Board Secretary, Townes Mahaffey advises and assists in protecting the bank’s legal interests and maintaining operations within the scope established by law. Prior to joining American Bank in 1995, he practiced commercial and personal injury litigation in Corpus Christi, Texas.

Townes graduated from Texas A & M University with a B.B.A. in Finance, and holds a J.D. from South Texas College of Law in Houston.

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Mark Meyer
President - South Texas Region

As President - South Texas Region, Mark Meyer has responsibility for regional lending and credit approval in the Corpus Christi, Port Aransas, Rockport and Victoria markets. Mark joined the bank in 1997 as a senior lending officer, subsequently serving as chief of branch administration and chief lending officer and has over 40 years of banking experience.

Mark is a graduate of Class 17 of Leadership Corpus Christi and has volunteered with many area organizations, most recently as a board member of the South Texas Naval Foundation and the South Texas Council of the Boy Scouts of America. He earned his B.B.A. in Finance from the University of Texas at Austin.

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Charlie Phillips
Market President – Houston

As Market President – Houston, Charlie Phillips is responsible for all commercial lending activities in Houston and surrounding areas. He has more than 30 years of banking experience. Throughout his career, Charlie has led business development, treasury management and lending services for multiple banks across the Greater Houston area.

Charlie holds a Bachelor of Business Administration from the University of Oklahoma.

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Randy Price
Market President – Victoria

As Market President – Victoria, Randy Price is responsible for all commercial banking activities in the Victoria and surrounding areas. He has over 27 years of financial institution experience in and around the Victoria area, serving as Senior Vice President with Prosperity Bank with responsibility for developing and managing relationships with commercial and individual clients prior to American Bank.

A native of Victoria, Randy holds a Bachelor of Science in Business Administration / Accounting from the University of Houston - Victoria. Active in the community, Randy has worked with many organizations, including the Victoria ISD Education Foundation, Community Food Bank of Victoria, Victoria Northwest Little League, and Making the Grade, in leadership and volunteer roles.

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Cal Ratcliff
Chief Compliance Officer

As Chief Compliance Officer, Cal Ratcliff is responsible for managing compliance activities and the Bank Secrecy Act program. Prior to joining our team, Cal amassed 35 years of progressive management experience in financial institutions and held senior-level positions at the Bank of North Carolina, IBERIABANK, and Wachovia/Wells Fargo.

In addition to his professional duties, Cal is an active member of the Consumer Financial Protection Bureau’s Community Bank Advisory Council and the Chief Compliance Officer Group of the Mid-Sized Bank Coalition of America. He graduated from Wofford College in South Carolina with a B.A. in Economics and Accounting.

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Suzelle Tinnell
Director of Enterprise Planning and Alignment

As Director of Enterprise Planning and Alignment, Suzelle Tinnell is responsible for developing and managing the bank’s enterprise strategy, based on business objectives and long-term goals. Previously, Suzelle managed the bank's newly-organized Project Management Office and served as chief deposit services officer. Prior to American Bank, served as vice president for IT business and project management at Starbucks Coffee Company in Seattle and had a 12-year career in banking with Puget Sound National Bank and worked as a commercial lending officer for US Bank in Washington state.

Before starting her career in the Pacific Northwest, Suzelle attended Texas A&M University-Corpus Christi, where she received a bachelor’s degree in Finance.

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Donette Stubblefield
Chief Banking Executive – Commercial and Wealth

As Chief Banking Executive of Commercial and Wealth Management, Donette Stubblefield is responsible for the bank’s Commercial Banking and Wealth Management strategy, and provides leadership to Commercial Banking, Private Banking, and Wealth Management throughout Texas. With over 20 years of banking experience, Donette has held many senior leadership positions, and most recently served as the Chief Fiduciary Officer and subsequently the Global Wealth-Houston Market Executive for a large regional bank.

Donette is an active member of her community and proudly serves on the board of Society for the Performing Arts, Texas Wall Street Women, and as a member of the Executive Women’s Partnership, as part of the Greater Houston Partnership. She earned her B.S. in Health Administration from the University of Alabama-Birmingham.

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John Wessman
Executive Vice President of Consumer Banking and Marketing

As Director of Consumer Banking and Marketing, John Wessman is responsible for shaping consumer banking, treasury management, trust and asset management and marketing at the executive level. With over 25 years of banking experience, John has served as CMO for BBVA Compass’ U.S. markets and Guaranty Bank in Dallas, as well as head of branch operations at Encore Bank in Houston.

John is licensed in Texas as a CPA, and earned his B.B.A in Business Honors and Accounting from the University of Texas at Austin and his M.B.A. in General Management and Entrepreneurship from the Harvard Business School.

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Commercial Real Estate

We provide local businesses with a variety of real estate loans because we want to see our communities flourish. We don’t just lend here. We live here.

Routing Number | 114903284 - Ashburn - 20149 - False