Banking on Integrity

Hazem and Mack close out season two by revisiting Houston restaurant families and the bankers who helped build Integrity Bank. From Mama Ninfa’s tortilla and pizza factory to the new Integrity team, they highlight how family, work ethic, and community banking together create gathering places for a growing city. To learn more about Integrity Bank, go to itx.bank. Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts! Key Takeaways Phyllis Mandola’s family turned a tortilla and pizza factory into the original Ninfa’s, shaping Houston’s Tex‑Mex identity. Her story shows hospitality as “my house is your house,” with guests treated like visitors in the family home. Domenic Laurenzo recalls Ninfa’s growing alongside “Boomtown”‑era Houston, making tacos al carbón and Tex‑Mex widely popular. Judy Budnik shares a full‑circle path from special assets and Houston National Bank to Integrity Bank’s relationship‑driven culture. The recap ties restaurant legacy and community banking together as different expressions of the same values: integrity, service, and neighborhood roots. Timestamped Overview 00:33 Hazem sets the intention to keep the recap brief while honoring the people and themes that defined the season before heading into season three. 00:52 He begins with Phyllis Mandola, describing how her family turned a tortilla and pizza factory on Navigation into the original Ninfa’s and shaped Houston’s food identity. 02:00 Phyllis shares her “homemade entrepreneur” parents, creative extended family, and grandparents who fled Mexico and rebuilt their lives in Texas. 04:00 She explains the mix of tortillas and pizza, the Italian‑Mexican family roots, and her uncle’s invention of the tortilla machine that helped launch the business. 06:00 Hazem recalls Tony Mandola’s restaurant as a constant celebration space, and Phyllis credits Tony’s hospitality and “mi casa es su casa” philosophy for that atmosphere. 07:35 Hazem transitions to Domenic Laurenzo, noting the Laurenzo name many Houstonians grew up with and how it has expanded into concepts like Lorenzo’s Cantina. 08:00 Domenic describes growing up as Ninfa’s expanded from Navigation to Westheimer and Gulf Freeway, and how the restaurant grew alongside booming “Boomtown” Houston. 10:00 He reflects on his grandmother’s practice of greeting guests at the door and the way Tex‑Mex, tacos al carbón, and simple comfort food spread across the city. 12:00 Hazem connects these restaurant stories to Integrity Bank’s own beginnings, emphasizing that both are rooted in family, work ethic, and service. 14:00 The recap turns to Judy Budnik, who started in special assets, learned “what not to do,” and then joined Mack at Houston National Bank. 16:00 Judy shares how mentors like Mike Moser and Mack shaped her path, and how she transitioned from credit analysis to lending and business development. 18:52 She describes joining Integrity Bank as a full‑circle moment, seeing the bank as a family and a chance to fill a niche left by consolidation in the market. 21:00 Hazem and Mack reflect on community banking’s role in supporting multiple generations of business owners and the satisfaction of seeing customers’ children take over. 23:00 They tie together the season’s themes: restaurant families, bankers, and entrepreneurs all building gathering places and businesses rooted in integrity. 25:00 Hazem invites listeners to learn more about Integrity Bank, to nominate entrepreneurs whose integrity and impact deserve a microphone, and notes that season three will start in September. 27:00 Mack and Hazem thank listeners for joining them through season two and reiterate their commitment to sharing more Houston stories in the next season.See omnystudio.com/listener for privacy information.

Hazem sits down with Integrity Bank CFO Betsy Reese to unpack what makes a bank financially strong and how small business owners can read the signals. Betsy shares her journey from first‑generation immigrant and deposit ops clerk to lender, CPA‑track accountant, and Rice MBA graduate leading the bank’s financial health and safety. To learn more about Integrity Bank, go to itx.bank. Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts! Key Takeaways 1. Betsy’s banking career began in high school in deposit operations, where she learned payments and reconciliations from the ground up. 2. Moving into lending pushed her from introvert to people‑focused banker, giving her a view of customers and credit. 3. Merger uncertainty led her to pursue an MBA at Rice while working and parenting full time. 4. She gained hard‑earned experience guiding a troubled bank back to “safe and sound” under regulatory scrutiny during COVID. 5. Betsy stresses that becoming a CFO requires understanding accounting, operations, lending, and regulation, not just classroom knowledge. Timestamped Overview 02:00 Betsy shares her background as a first‑generation Chinese immigrant in Houston and her first job in deposit operations reconciling accounts and learning the payments system. 04:00 She describes leaving deposit ops for lending to avoid repetitive work, joining the chief lending officer’s team, and confronting her introversion as she started dealing with people. 06:00 Betsy talks about how lending work changed her personality, gave her customer exposure, and set the stage for later roles in accounting and finance. 08:00 She explains why bank mergers often eliminate roles like CFO, her dislike of uncertainty, and her long‑standing question about whether to sit for the CPA exam. 10:00 Betsy recounts choosing instead to pursue a full‑time MBA at Rice University while working full time and raising children, highlighting the support of her husband and classmates. 12:00 She describes navigating five different CEOs in one institution over five years, the bank’s COVID‑era troubles, and regulators pausing operations with a “speeding ticket.” 14:00 Betsy explains what “safe and sound” means in practice and how that experience taught her to run a bank more conservatively and with stronger discipline. 16:00 Hazem asks about the path to becoming a CFO, and Betsy walks through the need to understand accounting, operations, lending, and regulation before leading the bank’s finances. 18:00 She talks about measuring the bank’s health day to day—looking at capital, liquidity, asset quality, and profitability—and how those numbers fit together. 20:00 The conversation turns to how small and medium‑sized business owners can interpret basic bank performance indicators and why they should care about their bank’s strength. 22:00 Betsy reflects on Houston’s role in her career, the opportunities the city provided, and why she chose to stay in community banking rather than move to a Big Four track. 24:00 Hazem and Betsy discuss balancing growth with prudence, what “too much growth” can look like in banking, and how Integrity Bank aims to avoid those pitfalls. 26:00 She shares what a “good day” looks like for her as CFO and how she thinks about protecting both depositors and shareholders while supporting customers. 28:00 Hazem closes by tying Betsy’s story back to Integrity Bank’s mission and the importance of disciplined, relationship‑driven community banking.See omnystudio.com/listener for privacy information.

Booms can make you careless. Busts can teach you how you never want to run a business again.Hazem and Mack sit down with Wade Comeaux, CEO of Catalyst Funding, a Houston-based lender focused on real estate investors, to talk about what he learned from the pre‑crisis mortgage world and why he built his company to behave differently. Wade shares how government pressure, exotic loan products, and easy money contributed to the last meltdown, why Catalyst focuses on fix‑to‑rent, DSCR loans, and long‑term partnerships, and how he thinks about leadership, culture, and concentration risk when the cycle inevitably turns. Learn more about Catalyst Funding (https://catalystfdg.com/). To learn more about Integrity Bank, go to itx.bank. Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts! Key Takeaways 1. Wade’s early years in national mortgage lending showed him how quickly good intentions and flexible products can morph into bad credit. He describes the pre‑crisis environment of stated‑income loans, high‑LTV deals, and pressure to lend into certain zip codes, and how that experience shaped his approach. 2. Catalyst Funding was founded in 2014 to be more countercyclical and investor‑focused. Instead of chasing refi waves, the company centers its business on fix‑to‑rent, fix‑and‑flip, and long‑term DSCR loans that help real estate investors build wealth over time. 3. Loan size is only one piece of risk; the borrower is the other. Wade explains why Catalyst has done loans up to the low‑million‑dollar range, but how experience, track record, and overall exposure to a single client matter as much as the dollar amount itself. 4. Banks like Integrity are key capital partners, and they care deeply about concentration. Wade walks through how he talks to banks about larger loans, what they look for in “compensating factors,” and why a strong narrative and data‑driven underwriting can unlock exceptions when it makes sense. 5. Leadership through cycles is about culture, not just spreadsheets. The conversation closes with Wade’s thoughts on avoiding whipsaw hiring and layoffs, building a team that understands risk, and remembering that you can borrow money and ideas—but conviction about your model has to be earned the hard way. Timestamped Overview 01:10 Wade traces his career through large mortgage lenders and describes the pre‑crisis boom in creative home loan products02:30 How government policy and pressure around certain zip codes and income levels helped fuel looser credit decisions03:50 Stated‑income, high‑leverage loans, and the mindset that home prices could only go up05:30 Why Wade chose to launch Catalyst Funding in 2014 after living through layoffs and volatility in the mortgage business07:25 Grassroots beginnings: finding his first clients, doing early hard money deals, and blending investor and lender experience09:00 What Catalyst funds today: fix‑to‑rent, fix‑and‑flip, DSCR loans, and conventional refinances for real estate investors11:00 Minimum fees, typical loan sizes, and why Catalyst’s largest loans have been around the low‑million‑dollar range12:30 How banks that fund Catalyst think about single‑borrower and single‑loan concentration, and when they’ll stretch14:00 The importance of borrower experience, underwriting, and story when asking capital partners to take more risk16:30 Wade’s view on leading through interest rate moves and cycles, from hiring decisions to communicating with investors19:00 Why he believes culture and conviction matter more than chasing the hottest product of the moment21:00 Closing thoughts from Hazem and Mack on partnering with lenders like Catalyst and helping investors build responsiblySee omnystudio.com/listener for privacy information.

Dreams can stay on the track. Or they can turn into something you stand on every day.Hazem and Mack speak with Tyler Strothman, collegiate distance runner and founder of Veloci, a performance running shoe company he started while at Rice University. Tyler shares how small town miles, sport management classes, and a simple desire to keep people comfortable and pain free led him to launch a brand focused on helping runners and everyday athletes stay active longer. Learn more about Veloci (https://velocirunning.com/) To learn more about Integrity Bank, go to itx.bank. Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts! Key Takeaways 1. Tyler built Veloci out of his own life in running, treating the brand as a way to give back to the sport and community that shaped him, not just a way to sell product. 2. He chose Rice during COVID without visiting campus, moved to Houston sight unseen, and used the university’s sport management and entrepreneurship ecosystem as a launchpad for the company. 3. Veloci started in January 2025 with one model and two colors, then expanded into a stability version for overpronators and is now adding a faster “super trainer” so runners can match shoes to different training days. 4. The core of the brand is comfort and longevity: Tyler talks about reducing pain, extending the life of healthy miles, and designing for both serious runners and everyday wear. 5. Instead of waiting for a perfect path, Tyler treated Veloci as his real world business education, learning through customers, product iterations, and the discipline of shipping something new. Timestamped Overview 00:01 Hazem introduces Tyler Strothman and Veloci, setting up a conversation about a college runner who started his own performance footwear company. 01:00 Tyler explains what Veloci does and who he designs for, from serious runners to people who just want all day comfort in a running shoe. 03:20 He shares how growing up on farms and country roads in Wisconsin and Indiana led to a love of running, team culture, and pushing himself. 06:10 Tyler talks about deciding to attend Rice during COVID, choosing the school based on calls with coaches and teammates and moving to Houston without a prior visit. 08:20 He describes majoring in sport management, loading up on business and entrepreneurship classes, and seeing Rice as a launchpad for doing real work in the world. 11:15 Veloci’s launch story in January 2025: starting with one shoe and two colorways, chosen in part by counting what colors students wore into the campus gym. 13:10 Expansion into a “sister” stability shoe for overpronators and the decision to build a faster “super trainer” so runners can match shoes to different training days. 15:15 A practical look at shoe lifespan, why most people should think about replacing running shoes around 300 to 400 miles, and how wear patterns differ by stride. 18:00 Tyler reflects on seeing Veloci shoes on more feet and how customer feedback shapes decisions about new models and colorways. 20:00 Hazem and Mack talk about Tyler’s passion, why this is not just about making money, and how his focus is on solving a real problem for active people. 22:00 Tyler shares what he has learned so far about product design, manufacturing, and balancing performance with comfort and durability. 24:00 Conversation turns to the realities of being a young founder, including juggling training, classes, and startup demands, and what sacrifices that requires. 26:00 Tyler talks about what keeps him motivated on hard days and how he measures success beyond sales numbers. 28:00 Hazem and Mack offer closing encouragement, tying Tyler’s story back to Houston’s entrepreneurial spirit and the kind of founders Integrity Bank wants to support.See omnystudio.com/listener for privacy information.

Risk can sink a bank. Or it can push you to get radically clear about what you say yes to, and why. Hazem and Mack unpack how they actually look at loan requests at Integrity Bank, sharing stories that span decades of community banking, from a borrower whose partner emptied the account to a wealthy client who hadn’t paid down principal in three years. They talk through the tension between grace and discipline, why character still matters as much as collateral, and how a fast no can be one of the most respectful answers a banker can give. To learn more about Integrity Bank, go to itx.bank. Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts! Key Takeaways 1. Behind every “yes” or “no” is a full picture of cash flow, collateral, and character. Hazem and Mack explain how they look beyond a single ratio to understand a borrower’s business, personal situation, and track record before making a decision. 2. Relationship banking means walking with people through hard seasons, not just funding their wins. The stories they share, of borrowers who were wronged by partners, or who struggled for years, show how repayment, honesty, and effort shape what a banker is willing to do next. 3. A fast “no” is often kinder than a slow “maybe.” Instead of dragging owners through weeks of paperwork only to decline, they emphasize the importance of being direct, so entrepreneurs can pivot, seek other options, or rethink a deal before it’s too late. 4. Even wealthy borrowers are not immune to tough conversations. Mack recounts stepping into a bank in the mid‑1980s and confronting a blue‑blood client with an unsecured six‑figure loan that had not been reduced in three years, underscoring that discipline applies across the board. 5. Integrity, in practice, is about protecting depositors while still trying to fuel dreams. The episode closes with reflections on what “relationship banking” really means at Integrity today and how clear communication, realistic structures, and mutual trust can make or break a long‑term relationship. Timestamped Overview 00:00 Hazem and Mack open the episode reflecting on what “relationship banking” means in 202605:10 A borrower loses everything when a partner wipes out the account and still pays the bank back over time07:35 How long memories, second chances, and consistent effort shape a banker’s willingness to help again10:30 The line between compassion and enabling: when to restructure, extend, or finally say no14:55 Mack discovers a wealthy River Oaks client with a large unsecured loan and no principal payments in three years17:15 What that conversation taught him about trust, accountability, and cleaning up a credit culture20:00 Why a fast no can be a sign of respect and how they try to avoid “slow maybes” that waste an owner’s time22:30 How Hazem and Mack think about protecting depositors while still supporting entrepreneurs’ dreams25:00 Final reflections on character, candor, and why the best banking relationships feel more like partnerships than transactionsSee omnystudio.com/listener for privacy information.

Grief can break you. Or it can show you exactly what you were always meant to do. Hazem and Mack sit down with Jackie Pham, founder of the CEO Foundation, a Houston nonprofit named after her three children, Colette, Edison, and Olivia, who were lost along with her mother in a tragic accident five and a half years ago. Jackie shares how a career in corporate finance and an MBA from Rice gave her the tools to rebuild with purpose, how the CEO Foundation partners with Houston nonprofits to empower the next generation of leaders, and why she believes showing up for others is one of the most powerful things any of us can offer. Learn more about the CEO Foundation at ceofoundation.org. To learn more about Integrity Bank, go to itx.bank. Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts! Key Takeaways 1. The CEO Foundation is named for Jackie's three children: Colette, Edison, and Olivia. After losing all three and her mother in a single accident, Jackie chose to keep parenting through the foundation, channeling her grief into a mission to empower the next generation of leaders, change makers, and community members. 2. Rather than choosing one cause, Jackie built the CEO Foundation on a partnership model, supporting over 30 Houston nonprofits whose work aligns with the spirit of each of her children. The foundation also helps these organizations with marketing and awareness, filling a gap that many smaller nonprofits cannot fill on their own. 3. The CEO Foundation's annual gala flips the traditional charity auction model: instead of bidding on experiences to keep for yourself, attendees bid on items that are donated directly to nonprofit partners and shared with underserved children, giving kids a first Rockets game, a birthday trip to a museum, or simply a guaranteed school lunch. 4. Jackie spent nearly her entire career in corporate finance, eventually serving as a CFO, but found herself wanting work whose purpose she could explain to her own children. That desire led her to startups, an MBA at Rice, and ultimately to founding the CEO Foundation after her loss. 5. Her advice to anyone who has suffered significant loss, or to any organization that wants to make a deeper community impact, is rooted in connection: show up, listen, engage with everyone you meet, and recognize that bridging the right people together can be just as powerful as writing a check. Timestamped Overview 00:31 Hazem welcomes Jackie Pham, founder of the CEO Foundation00:58 The meaning behind CEO: Colette, Edison, and Olivia01:30 Losing her three children and her mother in a tragic accident02:20 Deciding she was still a mom and founding the foundation to keep working for them03:18 The partnership model: supporting 30-plus nonprofits rather than choosing one cause04:30 How Jackie chooses partners whose work speaks to each child individually05:00 The CEO Foundation's role in marketing and awareness for smaller nonprofits05:41 How the annual gala works: bidding for others instead of keeping what you win06:50 Giving underserved kids their first NBA game or museum visit and what that means to families07:44 Spotlight on East Fort Bend Human Needs Ministry and sponsoring kids' sack lunches09:50 Giving 100 tickets to the Children's Discovery Center to be shared as birthday gifts10:33 How community programs keep kids safe, supervised, and away from harmful influences11:50 The Nehemiah Center: after-school care for children of healthcare workers near the Med Center13:49 How programs like these keep kids out of trouble and build self-confidence14:06 Jackie's academic and professional background: UH undergraduate, Rice MBA, career in fintech and corporate finance14:41 Why she started questioning corporate finance and sought more purpose through grad school15:39 Learning to tell the story through the numbers for organizations she truly believed in16:30 How becoming a parent changed what she needed her career to mean17:46 Working in carbon project development and how she explains meaningful work to children19:00 A moment of laughter about explaining banking and community impact to your own kids19:31 Hazem on how hardship becomes a passion and why giving is an act of gratitude20:05 Jackie's answer: one day at a time, making them proud, doing right by them21:40 Mack's reflection on the quiet inspiration Jackie gives to people going through their own grief22:26 Bowes Place: working with grieving families and children who have lost someone23:15 A little boy at a dinner event, a photo of his brother, and a conversation about missing someone every day24:36 What Hazem and Mack can do beyond banking: connections, engagement, and knowing people's full stories25:22 Jackie's advice: the people who bridge connections are as important as those directly in the work26:50 Why the word "relationship" in banking has to mean more than an account number28:27 How to find and follow the CEO Foundation: website, Instagram, and Facebook at CEO for good29:40 How many local nonprofit foundations exist in greater Houston and how CEO Foundation fits in30:48 Closing gratitude and invitation for listeners to support the foundationSee omnystudio.com/listener for privacy information.

Hazem and Mack sit down with Integrity Bank Chief Credit Officer Chris Favre, who once left a consulting career at Ernst and Young for an industry he barely understood at the time. What followed was a front-row seat to the 2008 recession, years of overseeing foreclosures, and a pivot from lender to the person who stress-tests every deal before it goes to committee. This episode covers what a chief credit officer actually does, how Integrity Bank evaluates investment real estate, and why personal guarantees and credit history still matter more than most borrowers expect. To learn more about Integrity Bank, go to itx.bank. Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts! Key Takeaways 1. Chris came to banking through a back door, starting at Ernst and Young in management consulting, realizing quickly that a 22-year-old had no business advising Fortune 500 companies, and finally taking a mentor's advice to call about banking after years of ignoring it. The transition clicked almost immediately because he could finally explain what he did to his grandmother. 2. His timing in banking has twice been painfully instructive: he joined a lending desk in early 2007 just as the marching orders went from "make loans" to "don't make loans," and spent years overseeing foreclosures and selling repossessed properties before landing at the first Integrity Bank in 2012 as a welcome reset. 3. The chief credit officer role is not about saying no. It is about identifying strengths, naming weaknesses honestly, and then finding applicable mitigants so that every deal that goes to loan committee has been stress-tested and every risk has a documented reason for being accepted. 4. On investment real estate, Integrity Bank looks for 25% equity contribution, a 1.25x debt service coverage ratio, post-closing liquidity, personal guarantees, and a global cash flow analysis of the guarantor's full financial picture, not just the subject property. 5. Working capital lines operate on a different logic than real estate: the bank lends against eligible receivables at up to 80%, strips out anything over 90 days old, applies concentration limits of 25% per customer, and watches the days sales outstanding as a real-time signal of whether a business is generating profit on paper but running out of cash in practice. Timestamped Overview 00:31 Mack introduces Chris Favre, Chief Credit Officer and longtime colleague00:55 From Ernst and Young consulting to banking: how Chris found his career03:07 Why banking finally felt like a home industry and why he could explain it to his grandmother03:26 Joining a lending desk in 2007 and living through the shift from "make loans" to "don't make loans"04:04 Foreclosures, courthouse steps, and why joining Integrity Bank in 2012 was a welcome change04:45 What the original Integrity Bank was and how many of the same teammates carried over05:12 What a chief credit officer does: the six C's, underwriting, and loan committee presentations06:36 Why every borrower thinks their deal is incredible and why that requires a devil's advocate07:08 The "Dr. No" trap and why identifying weaknesses without mitigants is the real failure08:06 The three-part framework: strengths, weaknesses, and applicable mitigants09:27 Why having been a lender first makes Chris more effective as a credit officer10:08 How community banking's flat structure creates better credit decisions than siloed institutions11:46 Chris's seat on loan committee and why his voice matters in every approval decision12:41 Breaking down a million-dollar investment real estate deal from a credit perspective13:00 The 75% advance rate, 25% equity requirement, and post-closing liquidity standard14:55 Why cash equity matters for the borrower as much as the bank15:30 Global cash flow analysis: looking at the guarantor's full picture, not just the property16:31 Why personal guarantees are a standard expectation at Integrity Bank17:42 Credit scores, credit history, and why one big hickey is better than a lot of small ones19:47 How the 2008 recession changed the banking industry's view of bankruptcy and character22:01 The bank's responsibility to depositors and why that shapes every credit decision23:32 Why a borrower's projected upside does not change the bank's fixed rate of return24:58 How appraisals and lease maturity analysis factor into a real estate credit review25:51 Working capital lines: how receivables aging, inventory turns, and days payable work together28:14 The borrowing base formula: 80% of eligible receivables and the concentration and taint rules29:31 The taint rule explained: why one delinquent account contaminates all new receivables from that customer29:58 A third loan category: spec construction financing and how draw structures work for builders31:56 Why Chris's transparency about the bank's credit appetite is unusual and valuable32:08 How Integrity Bank manages portfolio concentration without turning off longtime customers33:38 Mack's closing reflection on asking Chris to make the leap from production to creditSee omnystudio.com/listener for privacy information.

Hazem and Mack sit down with Mark Danford, Managing Director of Waterstone and a 14-year veteran of SBA lending. Waterstone is a full-service outsourced SBA division serving 34 community banks across the country, and Mark is the person who knows how it all works. In this episode they cover how the SBA loan guarantee program actually functions, why Houston did $1.1 billion in guaranteed loans in 2025, the 504 versus 7A distinction, policy changes under the current administration, what disqualifies a business from the program, and what it takes to close a deal in 37 days. Learn more about Waterstone (https://www.b1bank.com/waterstone). To learn more about Integrity Bank, go to itx.bank. Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts! Key Takeaways 1. Waterstone functions as a fully outsourced SBA lending division for community banks, handling everything from initial borrower meetings through underwriting and closing, while the bank retains all credit and funding decisions. It currently serves 34 banking partners ranging from $34 million to $9 billion in assets, with two thirds of those banks outside of Texas. 2. SBA loans are not a rubber stamp or a bailout program. They are commercial loans with a government guarantee designed to extend reasonable terms to creditworthy businesses that fall just outside a bank's conventional risk parameters, whether due to startup age, ownership transitions, or limited collateral. 3. Houston is one of the most active SBA markets in the country, generating $1.1 billion in guaranteed loans in 2025 alone, driven by the city's density of startups, diverse industries, and a culture that rewards entrepreneurship across every sector. 4. The 7A and 504 programs serve different purposes: 7A is flexible and can cover working capital, acquisitions, and equipment alongside real estate, while 504 is designed for long-term fixed assets with a lower blended rate. Beginning July 5, the two programs are being decoupled so a business can access up to $10 million by combining them. 5. Waterstone has maintained a 100% SBA approval rating across 14 years and 34 banking partners by prioritizing complete documentation, proper eligibility screening, and prudent underwriting before any application is submitted, proving that good lender behavior is what preserves the program's integrity and keeps guarantee honor rates above 97%. Timestamped Overview 00:00 Banking on Integrity intro00:31 Hazem introduces Mark Danford, Managing Director of Waterstone00:39 What Waterstone does and how it functions as an outsourced SBA division01:36 Waterstone's relationship with Integrity Bank and its acquisition by b1BANK in 202402:24 How many banks Waterstone serves and where they are located02:49 The size range of Waterstone's banking partners, from $34 million to $9 billion in assets03:09 Why SBA lending capability matters for any bank serving a city like Houston03:26 Houston's $1.1 billion in SBA guaranteed loans in 202504:51 How often deals get declined and what disqualifies a loan from the start05:28 Why about half of what Waterstone reviews moves through the approval process06:01 The origins of the SBA in 1953 and why small businesses drive 97% of employment06:48 What happens to small business growth without reasonable SBA terms07:33 Maximum and minimum SBA loan amounts under the 7A program08:09 The emerging $10 million SBA headline and what it actually means08:34 Explaining the 504 program: fixed assets, real estate, debentures, and blended rates10:54 How decoupling 7A and 504 limits opens a path to $10 million in combined financing11:20 How SBA policy changes happen and how frequently the rules shift under new administrations13:00 The current administration's push to support US manufacturing through higher guarantees14:17 How often the SBA honors its guarantees and what lenders must do to earn it15:08 Why prudent lending behavior is as important with SBA loans as without16:18 How multiple SBA loans to the same entity work and how collateral stacks across transactions19:35 What better terms actually means for a small business borrower: down payments, amortization, cash flow20:00 A concrete example: financing dump trucks at 100% over 10 years versus 20% down over 522:32 How Waterstone engages from the first customer conversation through closing25:39 Waterstone's 100% SBA approval rating across 14 years26:28 Turnaround times: 37 days on one end, 339 days on the other27:23 Why every business owner should maintain an organized financial file before they ever need a loan27:53 How timely tax filings and organized records signal management quality to lenders29:05 How many lender service providers exist nationally and how Waterstone differs29:38 Industries that are and are not eligible for SBA loans30:49 Disqualified business types: nonprofits, marijuana-adjacent businesses, restrictive membership clubsSee omnystudio.com/listener for privacy information.

The best defense against fraud is the person who already knows your name. Hazem and Mack sit down with Integrity Bank Chief Risk Officer Christy Bussey, just steps from her office, to unpack what it really means to manage risk inside a community bank, covering the evolution of fraud from card skimming to AI voice cloning, why seniors and lonely individuals are the most targeted, how social media oversharing fuels scams, and what small business owners and everyday consumers can do right now to protect themselves, their families, and their finances. To learn more about Integrity Bank, go to itx.bank. Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts! Key Takeaways 1. The Chief Risk Officer role has evolved well beyond compliance checklists and dual controls. Today it means sitting at the table when strategic decisions are made, actively managing regulator relationships, and serving as the bank's early warning system for anything that looks outside the norm. 2. The fastest growing fraud threat in 2026 is AI voice cloning and deepfake scams, where criminals clone a voice from just a few seconds of audio and use it to manipulate family members. The best defenses are a family safe word, calling back independently, and slowing down whenever a request feels urgent or emotional. 3. Seniors are disproportionately targeted not because they are less intelligent but because they trust people, answer their phones, and often have savings. The same loneliness that makes someone answer a stranger's call also makes them vulnerable to long-running romance and social media scams that can drain savings over months before the victim realizes what happened. 4. Social media oversharing is one of the primary ways scammers gather the personal information they need, including birthdays, pet names, school names, vacation schedules, and voice samples, to make their approaches feel legitimate and personal. 5. For small business owners, internal fraud prevention starts with dual controls so that no single person can initiate and approve a financial transaction alone, paired with a regular review of bank statements or online banking as a simple but effective form of audit. Timestamped Overview 00:31 Hazem introduces Christy Bussey, Chief Risk Officer at Integrity Bank01:05 What a Chief Risk Officer actually does inside a bank01:36 How Christy manages relationships 02:42 What regulators are and are not there to do for banks03:53 What keeps regulators up at night: cyber risk, fraud, and liquidity04:28 How fraud has shifted from card theft to emotional manipulation05:30 AI voice cloning and deepfake scams: how they work and how to stop them06:49 Why vulnerable and elderly individuals are the most targeted07:24 Common elder fraud scams: Medicare, fake tech support, fake investments08:32 How loneliness and isolation increase susceptibility to romance and social media scams09:58 Why community banks catch fraud that big banks miss10:59 The familiarity advantage: knowing customers before they walk in the door11:48 An Uber driver's story and the difference between big banks and community banks12:27 Protective transfer scams and smishing: fake links from fake institutions14:51 Why your email inbox should work like your front door15:40 Social media oversharing: what you are unknowingly giving scammers17:43 Why trusting people is both a virtue and a vulnerability18:39 The importance of talking about fraud inside families and communities19:39 Real-time banking access as a fraud prevention tool and why checking daily matters21:16 Mack on checking his accounts two to three times a day and being available 24/722:45 When banks call customers outside business hours and why it matters23:13 Personal versus business devices and why mixing them creates risk25:17 Why financial tasks should live on a dedicated, protected device25:59 Internal fraud: dual controls and the importance of separating access27:34 Closing thoughts on speed, risk, and protecting everyone who listens28:19 What regulators and technologists are watching over the next 24 to 36 months29:33 Christy's closing message: awareness is still the best prevention tool availableSee omnystudio.com/listener for privacy information.

The best bankers don't just lend money. They help build lives. Hazem and Mack sit down with Integrity Bank Chief Lending Officer and founding team member Judy Budnik to trace a 40-year banking career that began next door to a small-town Louisiana bank president, wound through Frost Bank, a wedding-day job offer, and Houston National Bank, and ultimately came full circle at Integrity Bank, exploring real estate lending, community banking philosophy, what it takes to go from renter to owner, and why the relationships you build outlast any transaction. To learn more about Integrity Bank, go to itx.bank. Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts! Key Takeaways 1. Judy's path into banking started in Lafayette, Louisiana, where her next-door neighbor, a local bank president, modeled what it looked like to help businesses get off the ground and advised her to pursue a finance degree, get her master's, and move to Houston for greater opportunity. 2. She arrived in Houston in the late 1980s planning to stay a few months, started at Frost Bank under mentor Mike Moser in the special assets department, and received her first offer from Mack Neff at the steps of her own wedding ceremony in 1993. 3. Early experience with problem loans and special assets shaped her preference for real estate lending, where collateral is more stable and the long-term value of property often becomes a borrower's most important financial asset, even when their core business is something else entirely. 4. Community banking, in Judy's view, is fundamentally about education: helping clients understand their cash flow, structure their financials, and find paths to ownership through tools like SBA loans, equity partners, and lease add-backs when they do not yet have 15 to 20 percent down. 5. Joining Integrity Bank was a full-circle moment, filling a real market void left by consolidation and giving her a chance to close out her career the way it began: spending real time with customers, mentoring younger bankers, and watching families and businesses grow across generations. Timestamped Overview 00:00 Banking on Integrity intro00:31 Mack introduces Judy Budnik as a founding team member of Integrity Bank01:01 Growing up next door to a bank president in Lafayette, Louisiana02:20 Moving to Houston, joining Frost Bank, and meeting mentor Mike Moser03:41 Receiving a job offer from Mack Neff at the steps of her wedding04:34 How Mack recruited Judy to Houston National Bank in 199305:43 Moving from credit analyst to lender and building a real estate focus07:33 Judy's role as Chief Lending Officer and her skill at making deals bankable08:10 How Integrity Bank evaluates cash flow, collateral, and multiple repayment sources09:12 The education component of community banking and smart use of leverage10:17 Why real estate often becomes an entrepreneur's most valuable long-term asset11:25 The advantages of owning your business location rather than renting it12:22 What borrowers need to qualify: financials, tax returns, and equity injection13:42 SBA loans, family equity partners, and other paths when 15 percent is out of reach14:21 How Integrity Bank stretches the box while staying disciplined as a lender15:27 Watching clients' families grow and why generational relationships define the career16:31 How new clients find Judy and what the first conversation looks like17:13 Houston's industry diversity and why it makes community banking endlessly exciting19:08 Judy as a teacher inside the bank and why mentorship matters20:06 Why she chose to join a brand new institution rather than stay at an established one21:20 Full circle careers, mentorship, and the meaning of two-generation client relationships23:02 Banking consolidation, displaced bankers, and Integrity Bank's opposite trajectory24:22 The story of housing Integrity Bank's Chief Risk Officer for six months25:18 What that act of generosity says about Integrity Bank's culture and family spirit26:09 Recognizing the 175 shareholders who took the risk to fund the vision27:07 Closing thoughts, how to reach Judy, and why if you know her, you know Integrity BankSee omnystudio.com/listener for privacy information.

Justice is built one relationship at a time. Hazem and Mack sit down with Houston immigration attorney and Mendez Law Office founder Matthew Mendez. They trace how a middle-class upbringing, a mentor-driven pivot into immigration law, and an entrepreneurial spark ignited by his father-in-law led to building a 41-person firm in one of the country's most competitive legal markets, exploring faith in clients, the complexity of immigration, marketing in a billboard city, and what it means to serve Houston's most vulnerable families. Learn more about Mendez Law Office at mendezlawoffice.com or in Spanish at abogadomendez.com. To learn more about Integrity Bank, go to itx.bank. Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts! Key Takeaways 1. Matthew's entrepreneurial drive didn't come from his upbringing. Both parents held traditional jobs, but he was awakened by watching his father-in-law run multiple businesses and by his wife Ginny's steady encouragement to bet on himself. 2. He launched Mendez Law in January 2017 after consistently outperforming the firms he worked for, starting with just him and Ginny handling everything from client intake to assembling furniture, and growing quickly by prioritizing marketing in a saturated field. 3. Houston is arguably the epicenter of immigration law in the nation as the largest city in the largest border state. It has the density of courts, judges, and diverse immigrant communities that make it uniquely demanding and important for the practice. 4. Mendez Law distinguishes itself by offering free consultations, operating with radical transparency about what the law can and cannot do, and serving clients who have all come through government-vetted processes. Not individuals who have evaded legal scrutiny. 5. With 11 attorneys and 41 staff, Matthew is now expanding into personal injury law, with an eye toward blending the high-volume, billboard-style visibility of Houston's most recognizable legal brands with the deep client respect of elite, results-driven firms. Timestamped Overview 00:31 Hazem introduces Matthew Mendez and Mendez Law Office00:52 How Matthew launched the firm in 2017 and Ginny's foundational role03:20 The entrepreneurial spark: his father-in-law's example and a shift in mindset04:54 Deciding to become an attorney, writing skills, and finding a passion for immigration07:51 Mentor Juan Reyes and the mentor-shaped path into immigration law08:14 Is Houston the epicenter of immigration law in the U.S.?09:13 Estimating Houston's immigration attorney population (1,500–3,000)10:23 What most people misunderstand about immigration law's complexity12:30 How most Mendez Law clients are government-vetted and legally present13:56 What draws immigrants to Houston: economy, opportunity, and no barriers to entry18:06 Growing to 41 employees and 11 attorneys, and overcoming the fear of hiring20:11 Expanding into personal injury law and the competitive marketing landscape22:23 Houston's "billboard attorney" culture — Mattress Mack, Jim Adler, and brand-building25:05 Plans for marketing, persona-building, and standing out in a short-attention-span world27:07 The business side of running a law firm — cash flow, accountants, and banking relationships28:58 How to contact Mendez Law: free consultations, social media, phone, and bilingual website30:44 Closing thanks, reflections on serving Houston's communities, and final remarksSee omnystudio.com/listener for privacy information.

Second acts can redefine a family. Hazem and Mack sit with Houston native and El Tiempo Cantina Executive Chef and President Domenic Laurenzo, grandson of Mama Ninfa, to trace how a Tex‑Mex legacy, bankruptcy, and a detour into professional golf led to building El Tiempo, exploring faith, design, risk, and what it takes to lead a thousand‑person restaurant family in Houston today. Learn more about El Tiempo Cantina here. To learn more about Integrity Bank, go to itx.bank. Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts! Key Takeaways 1. Domenic grew up in a multigenerational restaurant family that helped popularize Tex-Mex in booming 1980s Houston, watching his grandmother lead Ninfa’s and greet lines of guests while his father crisscrossed Texas running stores. 2. Before returning to the family business, he pursued professional golf, even running a mini tour sponsored by Ninfa’s, until the restaurant’s bankruptcy forced a hard pivot back home and a move from Tanglewood to the East End. 3. The loss of Ninfa’s through bankruptcy and a perceived hostile takeover left deep resentment, but a small operation called Dom Burger became a crucible for resilience, quality, and a renewed focus on faith and family. 4. El Tiempo Cantina emerged from this rebuilding period, with its name inspired in Monterrey and captured in a poem about welcoming guests into a Mexican house where past, present, and future meet, paired with a deliberate “romantic industrial hacienda” atmosphere. 5. Today Domenic focuses on leading almost a thousand employees, protecting culture while navigating franchising, delivery, and changing consumer behavior, emphasizing human relationships, training, and his father’s mantra to first be a man of God. Timestamped Overview 00:00 Banking on Integrity intro and restaurant chapter framing 00:31 Hazem introduces Domenic and the interconnected Houston restaurant families 01:38 Early memories of Houston, childhood freedom, and neighborhood moves 03:10 Grandmother’s opening of Ninfa’s locations and Tanglewood upbringing 05:18 How Ninfa’s helped make Tex-Mex mainstream comfort food 06:30 Watching his grandmother work the floor and build a beloved brand 07:57 Stories of her travels, blessings, and public recognition 08:38 Discovering golf, becoming a four year letterman, and turning pro 09:27 Running the Ninfa’s Texas golf tour and life on the mini tour circuit 10:26 News of Ninfa’s bankruptcy and sudden return to the East End 12:30 Reflections on his father’s work ethic, depression, and family fears 13:55 Launching Dom Burger and rebuilding during a two year revival period 15:12 Resentment over the bankruptcy outcome and non-compete constraints 17:54 Opening El Tiempo, the Canal Street phase, and defining “pura calidad” 21:29 Searching Houston for a new site and finding the Richmond location 22:50 Trip to Monterrey and the moment the El Tiempo name was born 24:12 Antonio’s poem about time, home, and carrying the past forward 25:33 Hazem’s reflections on El Tiempo’s dining room feel and time slowing down 26:15 Domenic’s design role and coining “romantic industrial hacienda” 27:45 Atmosphere versus food and why both matter in great restaurants 28:07 Mack on margaritas, memorable nights, and guest experience 28:45 Hazem asks about the future, Galveston franchising, and the Post location 29:24 Adapting to delivery, training staff, and preparing to succeed his father 31:01 Challenges of franchising, culture transfer, and protecting the brand 33:08 Closing appreciation for the family’s contribution to Houston and final thanksSee omnystudio.com/listener for privacy information.

Legacy starts at the table. Hazem and Mack walk with longtime Houston restaurateur Phyllis Mandola, daughter of Tex‑Mex pioneer Mama Ninfa, through their family’s journey from political exile and a tortilla and pizza factory to Ninfa’s, seafood concepts, and El Tiempo, exploring neighborhood change, grief, generosity, and how hospitality and education continue her mother’s impact on Houston across generations. Learn about The Ninfa Laurenzo Scholarship Fund. To learn more about Integrity Bank, go to itx.bank. Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts! Key Takeaways 1. Phyllis grew up with entrepreneurial parents shaped by exile from Mexico, a grandfather who built the original Ninfa’s building, and a mother who started as a teenage hairdresser before moving into tortillas, pizza, and eventually tacos. 2. The first Ninfa’s on Navigation began as a small tortilla and pizza factory, then added a ten table restaurant in 1973 that introduced tacos al carbon and fajitas to Houston, relying heavily on neighborhood loyalty and family labor. 3. Waiting tables while painfully shy pushed Phyllis into people work, and she came to see front of house roles and host stands as critical points of welcome where guests are treated as entering a home, not just a business. 4. The Mandola seafood restaurants, including the River Oaks move and later building on Waugh Drive, reflect both the upside of owning real estate and the risk of misjudging customer migration, reinforcing how location and neighborhood change can make or break a concept. 5. After losing her mother, husband, and brother, Phyllis channeled grief into the Ninfa Laurenzo Scholarship Fund, extending her mother’s spirit of feeding and uplifting people by funding students and reminding donors that generosity returns many times over. Timestamped Overview 00:00 Banking on Integrity intro and welcome 01:19 Phyllis describes her parents’ personalities and early entrepreneurship 02:32 Family history as political exiles and her grandfather’s construction work 03:12 How tortillas, pizza, and Italian influence came together 04:27 The tortilla machine, early distribution, and delivering pizzas as a teen 05:51 Origin stories around nachos and family restaurant folklore 07:06 Transition from factory to 10 table restaurant and 1973 opening 09:04 Phyllis’s shyness and learning hospitality through waiting tables 11:33 Neighborhood support, Catholic school networks, and early growth 13:36 East End’s evolution into EaDo and reflections on the old barrio 16:46 Meeting and marrying Tony, first restaurants, and seafood pivot 19:03 Shepherd and River Oaks eras and building community around celebrations 20:24 Hospitality philosophy, “mi casa es su casa,” and long term employees 23:11 Mack’s reflections on people contact versus screens for young entrepreneurs 25:09 Building on Waugh Drive, owning dirt, and the realities of customer behavior 26:29 Grief, resilience, and lessons taken from her mother’s example 28:22 Creating the Ninfa Laurenzo Scholarship Fund and its origin story 29:48 Reading student essays, selecting recipients, and the emotional impact 30:07 Mack’s call to give and closing appreciationSee omnystudio.com/listener for privacy information.

Family changes everything. Hazem and Mack sit down with Bryan Hucke and his daughter Reagan to trace an 18 year run of a Huynh Restaurant in EaDo, the shock of eminent domain, the realities of Houston’s restaurant economics, and how ownership, education, and hospitality shape the next chapter for their business and their lives. Learn more about Huynh Restaurant here. To learn more about Integrity Bank, go to itx.bank. Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts! Key Takeaways 1. A corporate career in telecommunications turned into restaurant ownership when Bryan fell in love with a small Midtown spot, its food, and eventually his waitress, whose family recipes became the heart of their Vietnamese restaurant. 2. Locating in EaDo near Houston’s stadiums created opportunity but also long term risk, and after 18 years of operations the family must now relocate because of a long anticipated eminent domain taking. 3. Being an owner operator with family in the kitchen and at the front door has been central to their success, reinforcing consistency, accountability, and a guest experience that feels more like visiting a home than a transaction. 4. Reagan’s journey from four year old hostess to hospitality student at the University of Houston shows how early responsibility, formal education, and exposure to industry leaders can position the next generation to scale beyond a single location. 5. Their approach to hospitality blends value, ambiance, customization, and genuine gratitude, and they see travel, new locations, and careful expansion as ways to grow while protecting culture during a pivotal year of change. Timestamped Overview 00:00 Banking on Integrity intro and host setup 00:31 Bryan and Reagan introduced and current EaDo location described 02:12 Eminent domain timeline and the need to relocate 05:08 Reagan’s early roles in the restaurant and growing responsibilities 07:34 How Bryan met his wife and the origin of the restaurant concept 08:52 Family involvement, second location plans, and dynasty potential 10:28 Keys to surviving 18 years in a tough industry 11:57 Employee tenure, turnover, and building long term staff relationships 13:37 Customer relationships, remembering guests, and becoming part of their lives 16:51 Balancing food, ambiance, cleanliness, and value on the guest’s check 18:06 Mack’s view on execution, hot food, and service discipline 19:19 Bryan’s hopes for Reagan’s career and her post graduation options 21:54 Fertitta’s influence on UH and Reagan’s view of global hospitality 23:24 Houston as a base with global possibilities for a hospitality career 25:18 Matching guests to dishes and curating the menu experience 26:37 Traveling for food and drink, and how trips shape their perspective 28:43 Mexico City as a nearby culinary playground for inspiration 29:11 Houston’s cultural mix, fusion of stories, and closing reflectionsSee omnystudio.com/listener for privacy information.

Relationships outlast trends. Hazem and Mack talk with Jayne Edison of OFI about growing a furniture business on loyalty and referrals, a 27‑year banking relationship that started on day one, navigating the Stanford Financial collapse, and how Houston’s “big city, small town” feel shapes her approach to risk, giving back, and big opportunities. Learn more about Office Furniture Innovations here. To learn more about Integrity Bank, go to itx.bank. Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts! Key Takeaways Long‑term relationships with clients and bankers can power a business across decades, companies, and market cycles, turning professional contacts into deep friendships. A trusted banker who understands your history, risk, and character can be a stabilizing force through both growth and crisis. In moments of sudden disruption, like the Stanford Financial collapse, quick decisions to protect inventory and cash can make the difference between survival and significant loss. Houston’s “large city, small town” character connects entrepreneurs, bankers, and vendors through shared networks, charity work, and mutual trust. A belief that “numbers don’t pay you back, people do” reinforces the importance of character, integrity, and relationship‑driven business practices. Timestamped Overview 00:00 Banking on Integrity intro00:44 Welcoming OFI’s Jayne Edison02:21 A 27‑year relationship with banker Judy Budnick03:34 “Numbers don’t pay you back, people do”04:05 Entering furniture in 1989 and loving design variety04:58 A first client who’s stayed for four decades05:32 Trucks on the road during the Stanford Financial shutdown06:52 Recovering high‑value rugs and managing losses08:30 Meeting Bobby, a contractor who understands her world09:18 Winning a million dollars on a slot machine in Las Vegas10:41 Using the windfall to buy Tiki Island property, not toys11:41 South Texas roots and parents’ work ethic13:01 Planting palm trees at the hometown school in their honor15:21 OFI’s commitment to community and women‑owned business leadership17:25 Discovering and supporting A Place for Peanut horse rescue19:41 Hundreds of horses saved and rehomed25:55 Seeing her work across Houston, from the Fed to courthouses28:20 Vendors backing her to start OFI and working from a hall closet30:02 Winning major justice center projects and fixing problems head‑on33:44 Landing the Federal Reserve Bank with a creative showroom gambit36:57 Executing large clinic and title‑office rollouts during COVID37:57 Jayne, Hazem, and Mack reflect on family‑style banking and Houston’s spiritSee omnystudio.com/listener for privacy information.

Banking is changing. Hazem and Mack sit down with Banpay Group’s Fernando Ibarra to explore how a Mexico‑born digital bank serves global small and mid‑sized businesses, why Banpay treats payments as seriously as lending, and how focus, culture, and 24/7 access help it compete with the world’s largest financial institutions. Learn more about Banpay here. To learn more about Integrity Bank, go to itx.bank. Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts! Key Takeaways 1. Banpay began as a money transmitter in Mexico and evolved into a regulated digital bank focused on serving small and medium enterprises rather than traditional consumer banking. 2. Digital banks can specialize in payments, collections, and connectivity instead of trying to replicate every service offered by large commercial banks. 3. Trying to offer too many products becomes “kryptonite” for banks; sustainable success comes from focusing on a few services and delivering them with exceptional quality. 4. Lowering transaction costs, speeding up processes, and improving customer attention are critical differentiators in the future of banking. 5. Hiring local teams and respecting regional cultures—from accents to business customs—helps global organizations build trust and significantly grow revenue in each market. Timestamped Overview 00:44 Introducing banker and founder Fernando Ibarra01:51 Career building banks in Mexico and looking global03:25 Origins of Banpay as a money transmitter04:10 Choosing to serve small and medium enterprises, not retail05:32 Treating payments and collections as equal to lending07:10 Banpay’s mission: reliable, disruptive service and strong returns09:07 Multi‑currency accounts and real‑time global payments11:32 Technology, global data centers, and 24/7 uptime14:52 Cybersecurity strategy, liquidity, and layered protection19:39 “Kryptonite for banks” and the danger of doing everything21:56 Hiring local teams and honoring culture in each region25:27 Early push into real‑time payments across Mexico27:29 Vision to lead real‑time cross‑border trade flows30:22 Strict compliance and saying no to the wrong business31:05 Partnership and shared perspective with Integrity BankSee omnystudio.com/listener for privacy information.

Entrepreneurship takes time. Hazem and Mack talk with David Hatcher about turning a high school dream into a major chemical company, why he left engineering to learn sales and finance, and how Houston rewards integrity, grit, and steady, decades‑long effort more than quick wins or flashy ideas. To learn more about Integrity Bank, go to itx.bank. Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts! Key Takeaways 1. A clear decision to become an owner, made as early as high school, can quietly guide education choices, job moves, and the skills you prioritize over decades. 2. Learning to sell and to read financial statements, especially cash flow, is often more important to entrepreneurial success than technical expertise alone. 3. Entrepreneurship rarely produces quick wins; it requires long periods of hard work, resilience, and a willingness to confront and solve problems as they arise. 4. Houston’s culture rewards integrity, hustle, and a good story, making it a uniquely accessible city for entrepreneurs who want to build lasting businesses. 5. Mentorship and generosity amplify an entrepreneur’s impact, allowing lessons learned over a lifetime to benefit the next generation of business owners. Timestamped Overview 00:00 Banking on Integrity intro00:44 Meeting David and his 40‑year friendship with Mack02:27 High school decision to own a company03:40 Leaving engineering to learn sales and finance as a stockbroker05:02 Buying Sanford Chemical with heavy leverage06:32 Navigating regulation and moving production to Mexico09:11 Mack’s “career loan” and trusting the borrower over the balance sheet13:51 Building a board smarter than the founder and avoiding bad deals15:42 Going public, steady growth, and a 1.6 billion sale18:41 Pride in independent children and a strong marriage22:24 Why David will never leave Houston24:51 Encouraging the next generation of Houston entrepreneurs27:09 Mentoring, giving back, and closing reflectionsSee omnystudio.com/listener for privacy information.

Hazem Ahmed and Mack Neff sit down with longtime friend and mentor Paul Nick to trace an extraordinary life spanning wartime service, aviation, and a distinguished insurance career. Paul recounts his early years between New Orleans and Southern California during World War II, the culture shock of segregated buses in New Orleans, and the dyslexia that made academics difficult. He explains how college ROTC and a Marine Corps officer program led him into flight school, carrier landings, and helicopter training. Paul shares vivid stories from flying H 46 helicopters in Vietnam, including a crash on a hillside and a day when enemy fire pierced his helmet inches from his head. After returning home, he chose life insurance over airline flying or corporate marketing, ultimately joining Northwestern Mutual and moving from New Orleans and Baton Rouge to Houston. Paul describes building a major general agency covering half of Texas, using small overrides on many policies to retire at 59 and a half and spend decades enjoying family life. He closes with advice for younger generations on saving early, buying a home, and using financial flexibility to choose their own paths. To learn more about Integrity Bank, go to itx.bank. Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts! Key Takeaways 1. Despite severe dyslexia and academic struggles, Paul leveraged grit and relationships to build a highly successful career in life insurance and become financially independent relatively young. 2. His Marine Corps service included carrier qualifications, helicopter combat missions in Vietnam, a major crash, and a near fatal incident where rounds penetrated his helmet on the ground. 3. Paul deliberately chose insurance over airline flying or corporate marketing because he wanted to sell something almost everyone needs and values. 4. Houston’s relatively open business culture compared to New Orleans and Baton Rouge helped Paul grow a Northwestern Mutual general agency that benefited from the city’s rapid expansion. 5. Paul urges younger people to save consistently, invest early, and buy a home as soon as practical to gain options, security, and the freedom to leave unsatisfying jobs.See omnystudio.com/listener for privacy information.

Entrepreneur Markus Nassar joins Hazem and Mack to share his journey from a multicultural upbringing and international travel business to building a multi unit Jimmy John’s empire in Texas. From Jordan and Germany to Boston and Dubai, Markus traces his path through a family travel company that expanded across several countries before he sold it after 9/11 due to extreme volatility. He explains why he turned to franchising, how he evaluated brands, and how he settled on Jimmy John’s to secure strong A locations. Markus details buying underperforming stores from absentee owners, developing long tenured teams, and granting equity to key operators so they think and act like owners. He also introduces his work in funeral funding, where purchasing life insurance assignments from funeral homes helps families cover costs during an emotionally difficult time. The conversation closes with his growing supplement brand Pump Sauce, his reflections on younger generations, and the deep work ethic and curiosity that keep him learning new industries. Learn more about Jimmy Johns Houston, Pump Sauce, and Link Funeral Funding. To learn more about Integrity Bank, go to itx.bank. Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts! Key Takeaways 1. Markus shifted from a volatile global travel business into franchised restaurants, carefully selecting Jimmy John’s to gain access to strong locations and a proven model. 2. He grew by buying existing units from absentee owners and building a core team of long term operators who hold equity, aligning their incentives with store performance. 3. Through a funeral funding company, Markus helps funeral homes and families bridge the delay between death and life insurance payouts by purchasing assignments on policies. 4. Funeral practices and funding needs vary widely across cultures and faiths, from quick, low cost burials supported by community to lavish services financed through pre need insurance. 5. Markus continues to diversify into supplements, catering, and other ventures while emphasizing work ethic, character, and a lifelong commitment to learning over rigid plans. Timestamped Overview00:56 Hazem welcomes Markus to share his background and path to Houston.01:14 Markus recounts being born in Jordan to a Palestinian Armenian father and German mother, moving to Germany for school, and later studying at Boston University.01:40 He describes returning to Germany to join the family travel business, expanding offices into Dubai, Indonesia, and Spain, and experiencing the sector’s sensitivity to geopolitical shocks.02:30 Markus explains selling his travel company after 9 11 and moving back to the United States intending a short stay that turned permanent in Texas.02:53 He shares how a romantic dream of owning restaurants led him into franchising and eventually into Jimmy John’s after evaluating multiple brands.03:24 Markus recalls reviewing SBA statistics on restaurant failure rates and deciding franchising offered better odds for an inexperienced owner.04:03 He explains why Jimmy John’s appealed as a young system that still offered A locations, unlike mature franchises that would push him to weaker markets.04:32 Markus notes opening his first store around 2007 and eventually building a network of units concentrated in Austin and across Texas.05:00 He details a strategy of acquiring stores from absentee owners, often professionals living out of state, and turning them around with a committed internal team.05:58 Hazem highlights that Markus now owns about 35 locations and asks why he grants equity to five key leaders rather than only raising their salaries, a question that resonates with Hazem and Mack.06:16 Markus explains that equity creates emotional ownership, deeper commitment, and long term alignment, even if salary alone could exceed their profit share.07:00 Mack notes how equity changes mindset and behavior and praises Markus for mentoring team members who started as drivers and sandwich makers.09:34 Hazem personalizes the point with his neighborhood Jimmy John’s, pointing out long tenured staff and a manager who has been there since 2008.09:57 Hazem asks how Markus identifies the next generation of employees with potential and what traits he looks for in rising talent.10:28 Markus says his approach is organic, relying on quickly sensing work ethic, caring, and character, then moving those people up as the business grows.11:26 Hazem likens that intuition to a sixth sense and notes how small actions like punctuality and picking up trash signal deeper commitment.11:49 Mack invites Markus to discuss ventures beyond Jimmy John’s and Markus mentions involvement in a supplement company, a catering firm, and a funeral funding company.12:24 Hazem asks to start with funeral funding and Markus explains average funeral costs, common reliance on life insurance, and payment delays tied to death certificates.13:32 Markus walks through how funeral homes take assignments against life insurance policies and then sell those assignments to funding companies like his for immediate cash.14:34 Hazem shares a personal story about navigating an unexpected death in his circle and reflects on the pressure families face when unprepared.15:19 Mack notes how many people avoid planning for a guaranteed event like death and how that avoidance cuts across ages.15:23 Markus agrees and observes that people often prepare for many certainties except death due to fear and discomfort discussing it.16:11 Markus explains that some lower cost religious funerals rarely require funding while others, such as elaborate weekend long services with catering and security, can reach 50,000 dollars.17:33 Hazem notes how cultural precedent and family burial patterns can drive expectations that may exceed present financial realities.18:05 Markus likens funeral decision making to weddings, where families often avoid skimping at emotional moments even when it is not economically rational.18:35 Hazem urges listeners to preplan and communicate wishes, sharing a conversation he had with his children about types of death and preparation.19:35 Markus offers a lighthearted reflection on seeing death certificates with birth dates close to his own and how that reminder pushes him to enjoy each day.21:10 Hazem transitions to Markus’s supplement venture and asks how it helps keep people out of funeral homes a bit longer.21:19 Markus recounts partnering with professional bodybuilders who created a novel liquid pump product and how he invested and helped grow the brand.23:13 He outlines the product line including Pump Sauce, liquid L carnitine, caffeinated pre workouts, sleep gummies without melatonin or THC, and protein gummies, plus learning Amazon, Shopify, TikTok, and export channels.24:03 Hazem notes younger generations seem more engaged with supplements than nutrition and asks why that shift is happening.24:28 Markus admits struggling to understand what drives younger people, oscillating between confusion and appreciation of trends like reduced alcohol use.25:33 Markus points out data showing younger people drinking and partying less and spending more time in smaller groups, which he views as a positive development.26:02 Mack comments on how constant exposure to content and short attention spans drive rapid shifts in focus, contrasting that with older generations’ emphasis on deep relationships.26:57 Markus shares that he prefers returning to the same restaurants, building bonds with staff, and worries that younger people interact differently but still seem to be doing fine.27:23 Hazem notes it is unfair to expect younger generations to replicate their parents’ behaviors given radically different tools and environments.27:55 Hazem observes that Markus constantly mentions learning and asks where his drive to keep learning new businesses comes from.27:55 Markus credits his father and grandfather’s work ethic, shares his 83 year-old father’s new tourism contract in Saudi Arabia’s Neom, and describes deriving joy from building and learning across multiple ventures.29:50 Mack compares that mindset to banking as a profession that allows learning across industries and says he is jealous of Markus’s vantage point as a serial entrepreneur.31:01 Hazem warmly invites Markus to explore that path and closes by praising his grace in business, dedication to his teams, and friendship.See omnystudio.com/listener for privacy information.

President and CEO of the Greater Houston YMCA, Stephen Ives, joins Hazem and Mack to explore how the Y strengthens community far beyond treadmills and weight rooms. From youth sports and senior programs to refugee resettlement and anti human trafficking work, Stephen shares how 175 locations across Greater Houston are building belonging, connection, and opportunity. He explains why only a fraction of adults will ever join a gym and how the Y’s family centered model and social services fill that gap. Stephen also discusses navigating Hurricane Harvey recovery, COVID closures, major portfolio restructuring, and federal funding swings while keeping mission at the center. He reflects on data from the Kinder Institute showing just how disconnected 18 to 29 year olds feel and why belonging is more predictive of life satisfaction than income or education. The conversation closes with Stephen’s personal journey from lifeguard to CEO, his love for Houston, and how a bike ride from Canada to Mexico shaped his vocation.​ To learn more about the YMCA of Greater Houston, go here. To learn more about Integrity Bank, go to itx.bank. Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts! Key Takeaways 1. The YMCA’s core impact is building relationships and a sense of belonging, not simply operating gyms and pools.​ 2. Only about a quarter of adults ever walk into any gym, so the Y’s family based programming and social services reach people far beyond traditional fitness users.​ 3. Data from the Kinder Institute shows 18 to 29 year olds are the most lonely and disconnected group in Greater Houston and that connection and belonging correlate more strongly with life satisfaction than income or education.​ 4. The Greater Houston YMCA has navigated Harvey recovery, COVID shutdowns, real estate consolidation, and sharp swings in federal refugee resettlement funding while refocusing on sustainable, mission aligned work.​ 5. Stephen’s career grew from part time lifeguarding to leading a 100 million plus association, illustrating how the Y develops leaders, workforce skills, and community minded careers.​ Timestamped Overview00:00 Hazem and Mack introduce Banking on Integrity and welcome Greater Houston YMCA CEO Stephen Ives.​01:00 Stephen explains his role overseeing programs across roughly 175 locations and 10,000 square miles in the Houston metro.​01:40 The hosts ask what the YMCA should mean to the average Houstonian and Stephen shares that people never mention equipment, they talk about friendships and community.​03:10 Mack asks about usage patterns at the downtown Y and Stephen describes morning and afternoon peaks plus daytime programming for seniors and youth.​03:40 Hazem recalls coaching youth sports and his father’s Silver Sneakers experience as Stephen explains the Y’s focus on community and not just the gym.​05:33 Stephen outlines the Y’s social work roots, from mentoring and health equity to housing, refugee resettlement, immigrant support, and anti trafficking services.​07:32 Mack asks about Ys across Texas and immigrant integration as Stephen details how a few thousand new Americans annually engage in formal Y programs.​09:12 Stephen shares new research with the Kinder Institute on loneliness, belonging, and how connection strongly predicts life satisfaction and self efficacy.​11:23 Stephen reflects on how Houston uniquely welcomes newcomers and empowers fresh ideas compared with other large coastal cities.​13:18 Mack connects that openness to Integrity Bank’s mission as Stephen defines integrity as consistency between words and actions in community.​14:35 Hazem asks how Stephen first entered the Y and Stephen describes starting as a lifeguard in Portland, Maine before discovering YMCA career paths.​16:56 Stephen walks through arriving in Houston post Harvey, reopening flooded branches, then rapidly pivoting through COVID closures and a real estate reset.​19:28 He explains growing and later sharply reducing federal refugee and immigration contracts as elections and funding priorities shifted.​21:40 Hazem asks about funding mix as Stephen breaks down the association’s heavy reliance on fee for service revenue like memberships and after school care.​23:06 Mack is surprised by the size of the childcare business as Stephen emphasizes trust, safety, school partnerships, and educational enrichment for thousands of kids daily.​24:38 Hazem invites listeners to give back and Stephen describes supporting the Y through traditional giving, joining, or impact oriented membership models.​26:14 Mack asks who should consider a Y career and Stephen frames the organization as a hospitality and workforce development training ground for young workers.​27:05 Hazem turns to Stephen’s personal life as he talks about his marriage, two daughters in Boston and LA, and one daughter working in the Y system.​27:31 Stephen shares the story of biking from Canada to Mexico and how that adventure preceded his first lifeguarding role at the Y.​See omnystudio.com/listener for privacy information.

How did Jimmy Baba's early experiences in his family's business influence his entrepreneurial journey? In this episode, hosts Hazem Ahmed and Mack Neff chat with Jimmy Baba, board member and entrepreneur. Jimmy shares his journey from working in his father's liquor stores to opening a deli chain in Houston. He reflects on the people skills learned during his youth and how these experiences shaped his perspective in business.  Discussing the growth of his deli business and its eventual sale, Jimmy highlights the challenges of running multiple locations. He also shares insights into the real estate investments he pursued after exiting the deli industry.  Directors Ahmed and Neff explore Baba's banking relationships, learning about the distinctions between large institutions and community banks. As Integrity Bank board members, they examine how personal relationships shape business success.  To learn more, go to itx.bank. Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts! Key Takeaways 1. Jimmy Baba's entrepreneurial journey highlights the importance of perseverance, adaptability, and timing in business success. His transition from a family liquor store to running a successful deli chain shows a pragmatic approach to seizing growth opportunities. 2. Relationships are crucial in business, both with mentors and in banking. Jimmy's success was heavily influenced by his mentors and the relationships he built with community bankers, emphasizing that strong relationships can provide valuable support and guidance. 3. The episode illustrates the advantages of community banks over larger banks. Community banks offer personalized service and deep relationships, which can be beneficial for entrepreneurs who need tailored financial support and guidance. 4. Real estate investing carries risks and rewards, often hinging on factors like location and timing. Starting small and leveraging strategic insights can lead to successful long-term investments, as observed in Jimmy's experience with property development. 5. Houston's diverse and rapidly growing market presents vast opportunities for businesses. The cultural diversity and economic resilience of the city make it a promising environment for both new ventures and established businesses looking to expand. Timestamped Overview 00:00 From Liquor Store to Deli Owner 05:19 Business Resilience Through Economic Cycles 09:08 Early Growth Challenges and Support 10:56 Pasadena Real Estate Luck 14:56 Ditching Big Banks for Local Options 19:30 Banking: Business and Advisory Role 20:46 Integrity Bank's People-Driven Success 24:22 Houston's Bright Future, Traffic Challenges 27:19 Team's Collective Expertise ShinesSee omnystudio.com/listener for privacy information.

What inspires someone to prioritize community engagement and education advocacy? Eric Calderon, a board member of Integrity Bank, shares his journey, emphasizing education's role in creating opportunities. Raised by a police officer and a school teacher, he reflects on a family that valued community roots. After completing engineering at Texas A&M, he pursued an entrepreneurial path post-business school. His philanthropic focus includes aiding first-generation students and serving on boards like YES Prep, highlighting the transformative power of education.  Eric and Integrity Bank's founders, Hazem Ahmed and Mack Neff, explore Integrity Bank's impact in Houston. They discuss the bank's role in fostering prosperity through small businesses.  Integrity Bank's mission emphasizes genuine engagement and support for local entrepreneurs, reinforcing the significance of preserving Houston's integrity and growth.  To learn more, go to itx.bank. Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts! Key Takeaways 1. The podcast focuses on the importance of community banks in supporting local entrepreneurs. Eric's story emphasizes the role these banks play in providing personal connections and tailored financial solutions that big banks might not offer. 2. Eric highlights how education opened many doors for him, creating opportunities he couldn't have imagined. He feels a strong obligation to give back, particularly in helping first-generation students navigate educational paths that could lead to their success. 3. Eric discusses his involvement in various philanthropic activities, particularly in education. He stresses the importance of not waiting to make an impact and his belief in helping others by sharing his experiences and insights to guide them. 4. Eric’s relationship with Hazem and Mack showcases how professional connections can evolve from brief encounters to meaningful partnerships. This emphasizes the significance of networking and maintaining relationships that can lead to mutual success. 5. The name "Integrity Bank" was chosen deliberately to reflect the values of honesty and dedication in business dealings. Timestamped Overview 00:00 Unexpected Engineering Journey 05:59 Empowering Through Business Education 09:52 Take the Shot 12:29 Embracing Failure in Conversations 15:58 Authentic Investment Connection Experience 18:30 Harvard Talk: Community Banking Insights 23:07 Banking Insights: Investor Trust and Diversity 25:59 Motivation: Surrounding with Good People 29:55 Integrity in Business ValuesSee omnystudio.com/listener for privacy information.

What are the challenges of maintaining company culture during rapid growth? Caroline Dwairy, a Houston native and board member of Integrity Bank, shares her story on Banking on Integrity. Raised in Houston, Caroline pursued medicine before transitioning to the business world. She joined her family's oil and gas company, witnessing its expansion from 60 to 300 employees.  Navigating growth involved maintaining company culture and adapting to an ever-evolving landscape. Caroline emphasizes the significance of personal touch in both banking and business.  Caroline reflects on her unique path, the role of women in leadership within male-dominated industries, and her contributions to Integrity Bank's success. Her dedication to finding value beyond titles resonates through her journey. To learn more, go to itx.bank. Subscribe on Apple Podcasts, Spotify, or wherever you get your podcasts! Key Takeaways 1. The podcast emphasizes the thriving entrepreneurial culture of Houston, highlighting how local business owners are spearheading innovation and growth. The hosts and Caroline underscore the importance of local banking in supporting these ventures. 2. Caroline Dwairy's career journey from aspiring doctor to lawyer and subsequently a successful businesswoman illustrates the importance of adaptability and openness to change. 3. Working in a family business presents unique challenges and opportunities. Caroline highlights the importance of earning respect through hard work and valuing relationships within the company, debunking the perception that family members have it easier. 4. Caroline discusses the challenges and opportunities for women in leadership roles, particularly in male-dominated industries like oil and gas. Her perspective underscores the importance of focusing on competence and contribution over gender. 5. Caroline, Hazem, and Mack stress the importance of personal relationships, customized services, and the agility of community banks in supporting local businesses and individuals effectively. Timestamped Overview 00:00 From Restaurants to Law Studies 06:01 Connected Company Culture 07:01 Caroline's Unique Professional Journey 11:40 Women Leaders in Oil & Gas 13:14 Pioneering Female Leadership Challenge 17:23 Small Banks Offer Personal Support 22:42 Tariffs Disrupting Supply Chain Economics 24:38 Adapting in Capitalistic Houston  See omnystudio.com/listener for privacy information.

More than fifty years in one industry changes more than résumés. Gary Wooley remembers growing up in post‑World War II New Orleans, finding his way into the oil fields, and unexpectedly discovering a love for teaching at LSU before moving into high‑stakes consulting and board service at Integrity Bank. Along the way, he’s faced the hard realities of risk, regulation, and politics, and he talks with Hazem and Mack about safety, banking, and what it really takes to grow a business. His story weaves together family, education, faith, community, and what it means to keep giving back over a lifetime. To learn more about Integrity Bank, go to itx.bank. Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts! Key Takeaways 1. Gary shares his path from a working-class family in New Orleans to an accomplished career in oil and engineering. His journey highlights the transformational impact of mentors (like Dr. Carver) and the importance of education, curiosity, and seizing opportunities that may arise unexpectedly. 2. The conversation reveals the vast breadth and depth of the oil industry, underscoring its essential role in the global economy and daily life. Despite environmental and political challenges, the discussion makes clear that oil remains irreplaceable as an energy source for the foreseeable future. 3. Gary emphasizes that protecting human life is the oil industry’s highest priority, particularly in light of disasters such as the Deepwater Horizon spill. The transcript drives home the significant risks present in oil extraction and the vital need for rigorous safety standards and accountability. 4. Through his experience as a bank director and entrepreneur,Gary stresses that strong banking relationships and financial literacy are crucial for small businesses, startups, and established companies alike. Banks play an indispensable role in guiding business owners to sound financial practices and sustainability. 5. Gary’s commitment to giving back—whether through his work with LSU, community involvement, or mentorship. The broader lesson is that a fulfilling career includes investing in the success and well-being of others, both professionally and personally. Timestamped Overview 00:00 Choosing Mechanical Engineering Path 03:52 Grad School Offer He Couldn't Refuse 09:12 From Bricklayer to Oil Career 11:50 Consultant Resolves High-Stakes Crises 13:41 BP Fallout and Deepwater Horizon 18:34 Oil Debate: Necessity vs. Transition 22:42 Banking: Crucial for Startups 24:10 Understanding Small Business Financing 29:14 Reflecting on LSU Achievements 30:08 Model of Integrity and FSee omnystudio.com/listener for privacy information.

Trucks connect cities. Families fuel the connection. Shaun Leone shares how Sunburst Truck Lines grew from a single truck in 1988 into a company woven into Houston’s ports and railroads. He explains how strict regulations and insurance hurdles shape drivers’ daily reality, even as revenue grows 10–15% in most years. The Leone family now carries that success into the community by supporting local charities through the Sunburst Cares program. Learn more about Sunburst Truck Lines here. To learn more about Integrity Bank, go to itx.bank. Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts! 1. Shaun Leone described how Sunburst Truck Lines began as a family business in 1988 with just one truck, founded by his father. The story highlights the humble beginnings, perseverance, and gradual scaling of the company through hard work and family involvement. 2. The conversation explored the vital role trucking plays in the economy, especially through intermodal shipping and the transportation of container goods in and out of key ports. Shaun emphasized how trucking keeps supply chains running—even more visible since COVID-19. 3. After the unexpected passing of Sunburst’s founder, Shaun and his family committed to carrying the business forward, establishing accountability, and transitioning from running the business emotionally to managing it strategically. 4. The episode dove into the realities of fluctuating fuel costs, the struggle to find qualified drivers due to strict insurance requirements, and the escalating challenges (and costs) around commercial insurance policies. Safety and regulatory compliance are central to business sustainability. 5. Shaun Leone shared Sunburst’s commitment to giving back through local charities and their own Sunburst Cares foundation. The company is rooted in supporting its community and practicing integrity, which also connects to the founding principles of Integrity Bank. Timestamped Overview 00:00 Growing Interest in Container Shipping 05:48 Growing Trucking Business Success 08:07 Board Member's Dedication Acknowledged 11:34 Finding Purpose in Business 14:17 Market Expansion for Stability 16:56 Houston's Unique Role in Trade 22:02 Safety, Insurance, and Cost Balance 23:56 Sunburst's Community Impact Highlights 26:04 Family, Fun, and Togetherness  See omnystudio.com/listener for privacy information.

John Able joins Hazem and Mack to share his journey from a struggling student to a world-ranked competitive water skier, accomplished lawyer, and successful real estate investor. He discusses the lessons learned along the way, from early real estate calculations to building lasting partnerships with investors and tenants, and how persistence, adaptability, and family values have shaped both his career and life philosophy. To learn more about Integrity Bank, go to itx.bank. Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts! Key Takeaways 1. John emphasizes the importance of determination and resourcefulness in overcoming challenges, such as dealing with learning differences (ADHD, dyslexia) and persevering through school and career obstacles. Success, he suggests, is less about natural aptitude and more about gritty persistence and creative problem-solving. 2. Maintaining engagement with passions, like water skiing forJohn, contributes to happiness, physical health, and a youthful mindset. Staying active and continually embracing change are highlighted as keys to healthy aging and sustained vitality. 3. John’s real estate success is attributed not only to business acumen, but also to the foundation of strong, trust-based relationships—with family, tenants, investors, and banking partners. He illustrates that people and partnerships, not just strategy or market timing, drive sustainable business results. 4. This conversation stresses the importance of ethics and good stewardship, especially when handling investors’ money. Openness during hard times, such as the Covid-19 crisis, and prioritizing others’ interests (tenants, investors) builds lasting trust and reputation. 5. Values and work ethic are passed down through generations, with John working closely with his children in business. Diversity in skills and perspectives among family members strengthens the organization, and a focus on legacy and teamwork shapes both family and business success. Timestamped Overview 00:00 Determination Through Challenges 05:28 Staying Youthful Through Passion 09:18 16-Year-Old's Real Estate Dream 11:04 First Real Estate Experience 16:05 Navigating a $16 Million Deal 18:39 Responsible Investment and Returns 22:33 Building Success Through Integrity 24:03 Trust, Partnerships, and Success 29:21 Max's Trust-Fueled VentureSee omnystudio.com/listener for privacy information.

Banking on Integrity closes season one with Hazem and Mack reflecting on eight months of conversations with Houston entrepreneurs, the mission of community banking, and what integrity really looks like in business and relationships. They share lessons from their guests, celebrate their growing team and customer trust, and look ahead to season two in 2026. Have a guest idea for season two? Contact us here. To learn more about Integrity Bank, go to itx.bank. Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts! Key Takeaways Community banks play a vital role in Houston by knowing their customers personally, tailoring solutions, and keeping deposits working locally. Success is defined individually, but integrity, hard work, and moral character matter more than credit scores or balance sheets. Strong banking relationships focus on listening to owners’ goals, offering advice and introductions, not just loans and accounts. Houston’s consolidation of community banks is a concern, driving Mack’s goal to advocate for more de novo community banks nationwide. Season one guests modeled investing in others’ success, which Hazem and Mack see as the heart of banking and the purpose of the podcast. See omnystudio.com/listener for privacy information.

Juan Bustamante and Ralph Fady, business students at the University of Houston, join the podcast to share how they are reshaping the campus experience. Through leadership in real estate and private equity clubs, they build community, promote professional growth, and connect peers with Houston industry leaders. By taking part in internships and campus organizations, they prepare for impactful careers and help foster connections and practical skills among commuter students. To learn more about Integrity Bank, go to itx.bank. Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts! Key Takeaways 1. Engaging in specialized student organizations—such as real estate, private equity, and industry-focused clubs—provides students with fundamental career skills, exposure to industry professionals, and a pathway to discover and pursue their interests beyond traditional classroom experiences. Both Juan Bustamante and Rauf Fadi attribute much of their career direction and network to their club involvement. 2. The university has evolved significantly, investing heavily in infrastructure and campus life to shed its “commuter school” reputation, strengthen the student community, and attract more students to stay on campus.  3. The campus and surrounding areas are in constant development, including new housing and retail initiatives, but challenges remain, such as low supply of student housing and retail vacancies during academic breaks. As Juan Bustamante and Rauf Fadi observe, these trends present both obstacles and opportunities for students interested in real estate and urban development. 4. AI is both a concern and a tool for current students. While some worry about job security, forward-thinking students like Juan Bustamante and Rauf Fadi see AI as a way to boost personal efficiency and stand out professionally, embracing technology to enhance their analytical and operational capabilities. 5. Building relationships, seeking internships, and leveraging professional connections are essential for long-term success. Both guests emphasize that being proactive about making connections on and off campus plays a pivotal role in shaping their career trajectory and helps them envision owning their own funds or portfolios in development and real estate in a decade.See omnystudio.com/listener for privacy information.

Feras Moussa joins the podcast to talk about how he went from his first four-plex on Westheimer to co-founding Disrupt Equity, managing thousands of units.  He credits the company's commitment to education, strong operations, and building high-performing teams for their success. Alongside real estate, he now helps investors diversify into small business acquisitions, always focusing on people and community. To learn more about Integrity Bank, go to itx.bank. Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts! Key Takeaways 1. Multifamily real estate investment requires not just finding deals and capital but successfully managing and operating properties, with execution being the main differentiator according to Feras Moussa. 2. Educating investors and being transparent builds trust and leads to better decisions, as demonstrated by Feras Moussa and his team’s focus on sharing knowledge and data. 3. Navigating the multifamily market’s challenges, like rising costs and shifting interest rates, takes active management, clear communication, and adaptability to change. 4. Diversifying beyond real estate through business acquisitions offers new opportunities, with Feras Moussa’s Equity Launchpad showing how education and creative deal-making help navigate this less structured space. 5. Building strong teams and networks allows entrepreneurs to scale and succeed across ventures, with partnerships and relationships being crucial to long-term growth. Timestamped Overview 00:00 Apartment Size and Townhome Trends 03:30 "Vision Excites, Execution Challenges" 09:31 Organizing a Consistent Meetup Framework 10:18 "Fair Deal Access for Investors" 13:24 "Balancing Risk in Property Deals" 17:26 "Net Operating Income Explained" 21:16 Diversifying Investments: Real Estate vs. Business 23:26 Educating Sellers on Business Exits 27:43 "Investor-Focused Cash Flow Strategy" 29:28 "Entrepreneur's Dilemma: Leadership Shift"See omnystudio.com/listener for privacy information.

Rock Dawson, senior advisor at DRDA, joins Hazem and Mack to share how he leverages decades of business and manufacturing experience to help Houston’s small and medium-sized companies achieve sustainability and growth. Guided by the city’s resilient spirit, he emphasizes intentional planning, building strong relationships, and adapting to new technology. He aims to serve as the trusted board of directors that many business owners might not realize they need, offering practical guidance for lasting success. Learn more about DRDA here. To learn more about Integrity Bank, go to itx.bank. Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts! Key Takeaways 1. Sustainability in business: Plan intentionally for the future and establish exit strategies from the start. 2. Adoption and impact of technology: Use technology deliberately and cost-effectively, focusing on quick wins and automation while maintaining strong human relationships. 3. Houston’s entrepreneurial culture: Benefit from a diverse, energetic, and community-driven environment that fosters innovation and resilience. 4. Importance of business relationships and networks: Build strong connections for client acquisition, growth, and problem-solving; organizations act as connectors to advance business. 5. Financial preparedness and exit planning: Keep accurate records from day one to stay adaptable and prepared for transition or sale. Timestamped Overview 00:00 Client Relationships and Shared Values 05:50 Business Success: Strategy and Teamwork 09:17 AI's Impact on Jobs 13:08 Houston's Growth and Resilience 17:04 Houston: Growth, Commerce, Opportunities 18:29 Consolidation's Impact on Small Businesses 21:47 Houston: A Connected Community 25:01 Small Business Financial Strategies 28:08 Start With a Clear Goal 31:21 Entrepreneurship Insights & CollaborationSee omnystudio.com/listener for privacy information.

Scott Clanton’s story at MG Architects is rooted in nearly a century of adaptation, long-term relationships, and creative problem-solving. Over decades, he watched bank design transform from teller lines and vaults to open, collaborative spaces shaped by technological advances. His commitment to serving clients, learning on the job, and refining his craft keeps both his firm and himself at the forefront. Connect with MG Architects here. To learn more about Integrity Bank, go to itx.bank. Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts! Key Takeaways 1. Bank buildings have shifted from highly secure, transaction-focused spaces (with teller lines, large vaults, and safe deposit boxes) to more open, customer-centric environments using teller pods and fewer physical security features. This change mirrors technological advances, decreased reliance on cash handling, and new approaches to customer interaction. 2. MG Architects has built its business on performing quality work that earns referrals, rather than heavy marketing. Strong relationships and consistently exceeding client expectations are vital for repeat business and organic growth, especially in a specialized field like bank design. 3. Both the banking and architectural industries require continual adaptation. Branch consolidation, changing client needs, and shifts in what physical structures are necessary mean firms must be flexible, learning new skills and adjusting services to remain relevant and successful. 4. Scott Clanton’s journey from employee to co-owner highlights the importance of entrepreneurship and ongoing professional development within established firms. Empowering and mentoring the next generation is essential to a company’s longevity and adaptability. 5. The permitting and approval stages for new builds and renovations can be unpredictable and frustrating, often outside the architect’s control. Building strong relationships with permit runners and city officials—as well as keeping clients informed—are key strategies for navigating these obstacles and maintaining project timelines. Timestamped Overview 00:00 MG Architects' 90-Year Legacy 05:39 Integrity Bank Journey Summary 06:35 Architectural Expertise in Banking 10:17 Architectural Trust and Specialization 15:22 Decline of Cash in Banks 19:20 Branch Closures Explained 22:18 Bank Consolidation Reshaping Landscape 25:34 Learning Architecture and Business Basics 26:34 Designing for Client's Vision 31:33 Building Relationships with IntegritySee omnystudio.com/listener for privacy information.

Rejection often ignites new entrepreneurial paths. After submitting more than 455 job applications and facing endless rejection, Freddy Cruz founded Speke Podcasting, a purpose-driven podcast production company based in Houston. Landing his first client provided the confidence to pursue this journey. With support from his wife and a deep passion for authentic storytelling, Freddy continues to build success and inspire others, one podcast episode at a time. Connect with Speke Podcasting here. To learn more about Integrity Bank, go to itx.bank. Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts! Key Takeaways 1. Failure and rejection can be powerful catalysts for personal growth and the pursuit of entrepreneurship, even for those who never saw themselves as business owners. Freddy Cruz shares his experience of applying to over 455 jobs, receiving mainly indifference, and ultimately realizing that entrepreneurship was a path made necessary by circumstance rather than choice. 2. Brand identity and purpose matter. Freddy’s evolution from “Freddy Cruz Creative Works” to “Speke Podcasting” shows how a business’s name and focus need to reflect its unique value and mission. Speke Podcasting links its name to advocacy for Houston’s homeless animal population and meaningful storytelling. 3. Strong personal relationships and support at home are critical to entrepreneurial success. The episode underscores that behind many entrepreneurs are people who lift them up during their hardest moments. 4. Rejection and failure are not only inevitable in entrepreneurship but also essential learning tools. Freddy, Hazem and Mack discuss how repeated “no’s” make you stronger, more humble, and willing to adapt. 5. Podcasts create meaningful connections and preserve stories that might otherwise be lost in today’s fast-paced world. Podcasting is positioned as an intimate, lasting medium that brings out personal insights, encourages vulnerability, and enriches both hosts and listeners. Timestamped Overview 00:00 Grateful for Inspiring Integrity 08:53 Discovering My True Path 10:17 From Boss to Networking Success 13:28 Embracing Risk and Resilience 18:49 Value of Sharing Stories 21:52 Choose Community Banks Over Big 23:36 Heartfelt Resilience and Connection 27:27 Podcasting InsightsSee omnystudio.com/listener for privacy information.

Integrity often shines brightest in times of crisis. Chung Wu’s story unfolds from his immigrant roots and restaurant struggles to surviving the Enron debacle as a principled financial advisor. Guided by honesty, transparency, and putting his clients first, Wu built CWIG Investments into a successful hedge fund. His unwavering commitment to ethical practice defines his legacy in Houston’s business community. Connect with CWIG Investments here. To learn more about Integrity Bank, go to itx.bank. Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts! Key Takeaways 1. Chung Wu’s journey from Hong Kong to Houston exemplifies the pursuit of opportunity, resilience, and building a life through hard work and support from family. His early experiences washing dishes and putting himself through school reflect the drive that often underpins entrepreneurial and professional success. 2. Chung’s path from college to working multiple jobs, moving into accounting and finance roles, launching a restaurant business, and then pivoting to financial advising, illustrates the importance of adaptability. Staying open to new opportunities and responding to life’s challenges prepares individuals for long-term growth. 3. The Enron episode highlights the critical role of ethical decision-making, especially under pressure. Chung’s commitment to honesty and acting in his clients’ best interest—even at personal and professional risk—reinforces the concept that integrity is “doing the right thing when nobody is watching.” This principle builds long-term trust and reputation. 4. The fallout from Enron’s collapse and the turbulent times surrounding events like Tropical Storm Allison and 9/11 provided Chung with clarity and purpose. The importance of transparency, responsibility, and learning from difficult circumstances is emphasized as central to both individual and community recovery and growth. 5. Chung shares how he built CWIG Investments and a hedge fund focused on data-driven, risk-managed strategies. He discusses the role of technology, research, and simplicity in creating efficient, safe, and client-focused financial vehicles. The discussion also touches on AI’s impact and the enduring need for human judgment in financial advising. Timestamped Overview 00:00 Texas Dreaming, 1972 Arrival 03:17 Mom's Sacrifice for Education 06:56 From Jewelry Clerk to Finance 12:48 Enron's Fraud Concerns Unveiled 14:11 Compliance, Risks, and Truths 19:25 Corporate Corruption and Personal Growth 22:01 Finding Purpose Through Adversity 24:26 9/11 Reflection and Investor Insight 28:32 Stock Insights: History & Forecast 32:42 Embracing Wisdom Through Experience 36:57 AI's Power and Risks 38:35 Moral Responsibility in Decision-MakingSee omnystudio.com/listener for privacy information.

Dan Parsons, leader of the Better Business Bureau in Houston and South Texas, shares the story of an organization founded by business owners committed to truth in advertising and voluntary accountability. Hazem and Mack highlight why trust is vital to Houston’s economy and how self-regulation benefits both businesses and consumers. The episode offers practical advice for protecting yourself when making significant purchases, and encourages listeners to support the show by subscribing, sharing with friends and family, and advancing the mission of promoting integrity in business. Connect with The Houston and South Texas BBB here. To learn more about Integrity Bank, go to itx.bank. Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts! Key Takeaways 1. The BBB originally emerged as a self-regulating business association in response to fraudulent advertising practices in the early 20th century. Its foundation was built on businesses protecting the marketplace from bad actors, rather than government intervention. Today, the BBB continues to champion ethical business behavior and trustworthy advertising, serving both businesses and consumers. 2. Advertising claims (like “lowest price”) are heavily scrutinized due to their history of misleading the public. The BBB actively monitors advertising, challenges false claims, and promotes transparent practices. The conceptual takeaway is that honesty and self-regulation in advertising help build trust and prevent both loss of reputation and regulatory crackdowns. 3. Today's consumers have access to more information, choices, and tools than ever before, making them better equipped to protect themselves. However, the sheer volume of options and resources can be overwhelming, sometimes leading to information fatigue and mistakes. The takeaway: Empowered consumers must balance access with due diligence to avoid pitfalls. 4. Some industries—like automotive dealers, contractors, and infrastructure services—generate recurring complaints due to poor practices or outright fraud. The BBB tracks these patterns, helping consumers steer clear of bad actors and guiding regulatory attention where needed. Proactive education and preparedness are the best defenses against these industry-specific issues. 5. With the proliferation of online review platforms, the BBB stands out for its focus on verifying legitimacy and encouraging thorough responses from businesses. Reviews and complaints are not just outlets for frustration. They’re essential feedback for both businesses and the public. Transparent, empathetic responses and responsible handling of complaints foster trust and better consumer experiences. Timestamped Overview 00:00 "Business Self-Regulation Origins" 04:04 Oil Industry Pricing Challenges 09:18 Consumer Challenges and Confusion 11:54 "Assessing Patterns and Concerns" 16:26 "Car Prices and Supply Struggles" 17:29 "Proving Fraud Requires Patterns" 22:32 "Extended Warranty Sales Tactics" 23:21 Consumer Industry Insights 27:34 "Complaints, Resolutions, and Patience" 29:38 "Ensuring Review Credibility"See omnystudio.com/listener for privacy information.

Robert Wagnon, founder of Republic State Mortgage, joins Hazem and Mack to share how his journey started with a need for money and evolved through mentorship and strong community connections. By focusing on long-term relationships instead of quick transactions, Robert built a billion-dollar company rooted in expertise, problem-solving, and integrity. His story shows that truly caring about others’ success leads to lasting impact and a legacy of trust. Learn more about Republic State Mortgage here. To learn more about Integrity Bank, go to itx.bank. Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts! Key Takeaways 1. Success in entrepreneurship and banking isn’t just about transactions or products—it’s fundamentally about building genuine, trusting relationships. Robert Wagnon emphasizes how his connections with mentors and community bankers were pivotal for his business growth, guiding him far beyond just financial transactions. Long-term, trust-based relationships create opportunities and help solve problems more effectively than a focus on short-term gains. 2. Unlike large, impersonal financial institutions, community banks and smaller mortgage companies thrive by listening, understanding individual client needs, and being flexible. They discuss how this personalized approach enables them to “make the box around the client,” rather than forcing clients to fit into rigid requirements, thus providing competitive advantages and lasting loyalty. 3. Scaling a culture rooted in clear, codified values is essential for sustainable growth. Robert shares that Republic State Mortgage succeeded by defining and truly living its eight core values, hiring and firing based on them, and ensuring they weren’t just “words on the wall.” This clarity in purpose and values fosters unity, guides decisions, and attracts like-minded talent. 4. Experience and mentorship are invaluable, especially for new entrepreneurs. Robert’s career trajectory was shaped by mentors who listened, provided wisdom, and made essential connections. This highlights the importance of seeking out and learning from those who have navigated similar challenges, as well as giving back by mentoring others. 5. Leaders must adapt as the business landscape changes, make decisions aligned with both prudence and culture, and have the wisdom to say no when necessary. Robert points out that the kindest credit decision is a timely, honest one—delaying or equivocating causes harm. Furthermore, he illustrates that organizational growth sometimes requires tough choices, such as letting go of high performers who don’t align with company values, and knowing when the industry environment calls for a fundamental business shift. Timestamped Overview 00:00 "Mentorship Beyond Banking" 04:16 "Jim's Guidance and Connections" 08:25 "Mortgage Business: People and Stories" 09:49 "Referrals Drive Business Success" 13:24 "Building a Community of Trust" 16:38 "Loan Approval: Weighing the Risks" 20:23 "Expertise Over Cost Priority" 24:27 "Roy Spence on Purpose Institute" 27:16 "Values-Driven Hiring Approach" 30:30 Business Success Through Collaboration 33:32 "Offer, Challenges, and Constraints" 36:30 "Choose the Right Banker"See omnystudio.com/listener for privacy information.

Jennifer Salazar, executive director of the Houston Better Business Bureau Education Foundation, joins Hazem and Mack to discuss her fight against fraud and cyber threats targeting both seniors and youth across Texas. Through innovative programs in schools, housing complexes, and community outreach, Jennifer empowers people to recognize scams and protect their assets. Her dedication is fueled by a deep belief in prevention and passionate advocacy for vulnerable communities. Reach Jennifer at 713-341-6184, or call the Senior Medicare Patrol hotline at 1-888-341-6187. To learn more about Integrity Bank, go to itx.bank. Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts! Key Takeaways 1. Seniors are specially targeted by various scams—romance, grandparent, Medicare, jury duty, and more. While seniors fall for scams less often, when they do, they lose the most money. Medicare fraud is an especially significant issue, with stolen Medicare numbers valued highly and total scams costing billions annually. Prevention and education, such as checking Medicare summary notices and community vigilance, are crucial for protecting this vulnerable population. 2. Open, respectful conversations between younger family members and their elders are essential in scam prevention. The emphasis is on staying involved in loved ones’ lives, having honest discussions without shame or blame, and using practical tactics like code words for verification. Empowering both seniors and families to report incidents promptly and support each other emotionally makes a substantive difference. 3. Younger generations face increasing risks due to social media, app-based fraud, cyberbullying, impersonation, and AI-driven scams. Even teens and children are falling victim to sophisticated tactics like phishing, fake scholarships, and sextortion. The largest defense is education—teaching them about privacy, the permanence of online actions, and maintaining open lines of communication with trusted adults. 4. Combating scams is a community effort. Organizations like the BBB, banks, police, adult protective services, and even grocery store staff all play key roles. Familiarity with clients' habits (e.g., banking behavior), validating charities, and staff intervening when unusual transactions occur are tangible ways institutions protect individuals from falling victim. 5. The BBB of Houston, particularly its Education Foundation, is at the forefront of consumer protection through a suite of unique programs. Their mission is multi-faceted: prevent scams, educate all age groups, support victims, and build stronger community resilience. Their work is funded through community events and federal grants, showing how nonprofit collaboration can address pressing social issues. Timestamped Overview 00:00 Consumer Protection and Scam Awareness 03:56 Medicare Fraud and Senior Vigilance 09:01 Scam Prevention and Response Tips 10:29 Beware of Financial Scams 13:35 "Medicare Enrollment: Protect Your Info" 18:40 Passion for Sociology and Advocacy 21:53 Youth Advocacy: Social Media Risks 25:19 "Parenting, Cyberbullying, and AI Challenges" 29:07 "Prioritizing Client Familiarity" 30:10 Medicare Support & Survivor HelpSee omnystudio.com/listener for privacy information.

Dr. Katherine Pulse, a Houston chiropractor, joins the show to share how she built her practice and the support she found through community banking. She speaks openly about personal hardships, her father’s influence, and her ongoing education in acupuncture, neurology, and nutrition. Once met with skepticism, chiropractic care has gained wider acceptance, shaping both her career and the field itself. That growth took an even more personal turn when her husband’s cancer diagnosis led her into fundraising and leadership with Victory, a group dedicated to advancing local cancer research. This conversation also explores Houston’s entrepreneurial energy, shifting patient demographics, and the role of passion in healthcare. Dr. Pulse leaves listeners with one lasting message: trust your inner voice when facing change or new directions. Learn more about Dr. Pulse here. To learn more about Integrity Bank, go to itx.bank. Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts! Key Takeaways Dr. Pulse’s journey illustrates that bravery isn’t the absence of fear, but the ability to overcome it—especially in the face of personal tragedy (her father’s death, a divorce, her mother’s illness). Resilience and determination are critical for long-term success in any profession. The chiropractic field has evolved significantly, becoming more scientifically grounded and more widely accepted by the medical establishment and insurance companies.  Continuous professional growth—through acquiring new certifications, learning new techniques, and improving practice infrastructure—ensures both personal fulfillment and better patient care. Community banks and support networks play a vital role in enabling small business growth and independence. Personal hardships (such as her husband’s battle with cancer) inspired Dr. Pulse to advocate for cancer research and support. Transforming personal struggles into community impact exemplifies how adversity can be redirected into meaningful contribution and advocacy. Successful entrepreneurship in Houston thrives on hard work, risk-taking, and a genuine desire to help others. Building relationships with clients, supporting the local community, and following one's passion are repeatedly emphasized as cornerstones of long-term business success and personal satisfaction. Timestamped Overview 00:00 Dr. Kathryn Pulse's Passionate Journey 06:04 Passion Overcomes Skepticism 07:45 Guiding Young Careers: Key Traits 12:46 Raising Millions for Cancer Research 16:28 Houston: America's Entrepreneurial Hub 18:54 Pride in Houston's Success StoriesSee omnystudio.com/listener for privacy information.

Bank acquisitions are reshaping Houston’s financial landscape, leaving fewer community banks and more large institutions. This episode explores: Trends driving consolidation The real impact on local business owners and customers Practical steps to take if your bank changes hands To learn more about Integrity Bank, go to itx.bank. Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts! Key Takeaways 1. Surge in Bank Acquisitions Main Takeaway: There’s been a notable uptick in bank acquisitions recently, especially in Texas. This trend is driven mainly by the growth imperatives of large banks, which need significant, often vertical, growth to satisfy shareholder and stock market expectations. Smaller community banks, in contrast, see opportunity in this climate, as they can attract clients seeking stability and personal relationships after their banks are acquired. 2. Impact on Small and Community Banks Main Takeaway: While large banks chase acquisitions to maintain upward stock movement, community banks like Integrity Bank see these changes as a “once in a lifetime” opportunity. They can focus on local relationships and personalized service, capitalizing on the dissatisfaction that mergers sometimes cause for long-standing customers of acquired banks. 3. The Dwindling Number of Charters and Community Banks Main Takeaway: The overall number of banks (charters) in the US has shrunk significantly over the past few decades. The decrease is concerning, as fewer new banks are being chartered to replace those that disappear. The hosts suggest that legislative or policy changes may soon be needed to preserve and encourage community banking, which is vital for local economic health and small business support. 4. Competition from Non-Traditional Lenders and Credit Unions Main Takeaway: Community banks are facing increasing competition from private lenders and credit unions. Private lenders, free from strict banking regulations, can offer faster access to funds—albeit at higher rates—while credit unions can often offer better rates because they don’t pay taxes. This competitive landscape challenges banks to adapt and highlights the need for regulatory updates to ensure fairness and sustainability. 5. Effects of Interest Rate Fluctuations Main Takeaway: Interest rate changes have widespread impacts on banks, borrowers, and depositors alike. The hosts emphasize that while rate drops from the Fed do immediately affect rates on loans and deposits, both sides of the banking equation (what banks pay for deposits and charge for loans) are sensitive to these shifts. The advice for business owners and consumers alike is to avoid trying to “time the market” perfectly, focusing instead on making prudent, relationship-based decisions. Timestamped Overview 00:00 Banks' Growth Pressure and Acquisitions 04:34 Banking Advice: Seek Stability 07:22 Transactional vs. Relationship Banking 13:55 Credit Unions Versus Community Banks Competition 16:16 Private Lenders' Industry Impact 20:00 Call for Tailored Bank Regulations 25:01 Interest Rates: Stability Over Change 27:56 Homebuying Dilemmas Amid Interest Rates 30:22 Caution in Car Dealership Negotiations  See omnystudio.com/listener for privacy information.

Explore a legacy of faith, family, and perseverance with AW Mechanical’s founders. Dwain Person shares his journey to building a family-driven company trusted by educational and medical clients across Houston. Founded in 1971, A/W Mechanical is rooted in direct sales and a values-first management style Focus on hiring people who care, including family members, and promoting talent from within Company remains family-owned through internal succession planning Hear how A/W Mechanical’s legacy continues. One relationship, one family member, and one steadfast value at a time. Learn more about A/W Mechanical here. To learn more about Integrity Bank, go to itx.bank. Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts! Key Takeaways 1. Faith and Values in Business Leadership Main Takeaway: Dwain Person, the founder of A/W Mechanical, emphasizes that running his company with a foundation of strong values—specifically faith in God, commitment to family, and integrity in business—has been central to its longevity and success. He openly communicates these principles to both employees and customers, which shapes the company culture and reputation. 2. Importance of Direct, Relationship-Based Sales Main Takeaway: The growth of A/W Mechanical was built on direct sales efforts and maintaining personal relationships with customers, rather than relying heavily on advertising. Regular direct outreach, follow-ups, and personal touches (like phone calls and visits) have helped the company gain new clients and retain existing ones, illustrating that relationship-building is crucial in business development. 3. Prioritizing People: Employees and Customers Main Takeaway: A central theme in the discussion is the importance of surrounding yourself with good people—emphasized through selective hiring, internal training, and fostering an environment of care and respect. The company invests in its team, from young trainees to longtime staff, and strives to treat customers with honesty and attention, which, in turn, drives loyalty and positive results. 4. Navigating Challenges and Maintaining Financial Health Main Takeaway: Over decades in business, A/W Mechanical has faced its share of challenges, from unreliable partners to customer bankruptcies. Effective management of accounts receivable, legal recourse when necessary, and being selective about client industries are all part of ensuring business continuity and avoiding unnecessary financial risk. 5. Family Business and Succession Planning Main Takeaway: Despite the common belief that mixing business and family can be problematic, A/W Mechanical demonstrates that with clear expectations and shared values, family members can work well together. Dwain is actively promoting family members into leadership roles, showing a commitment to succession planning and long-term stability as a family business. Timestamped Overview 00:00 Career Shift: From Business to Engineering 04:59 Faith-Driven Business Success Formula 09:38 Constant Business Momentum: Forward or Backward 12:50 Integrity Banking: Values-Driven Leadership 15:36 Proactive Payment Management Strategy 19:29 Business Growth & Entrepreneurship Opportunities 20:54 Unseen Challenges of Business Management 26:07 Tribute to Dwaine's Business IntegritySee omnystudio.com/listener for privacy information.

Building a bank from the ground up takes vision, grit, and the right team. Hazem Ahmed and Mack Neff share Integrity Bank’s first-year milestones—challenges overcome, goals surpassed, and local businesses empowered. The episode spotlights how strong relationships and a dedicated staff have defined Integrity Bank’s story, serving Houston’s business community one customer at a time. To learn more about Integrity Bank, go to itx.bank. Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts! Key Takeaways 1. Hazem and Mack emphasize that while financial metrics are important, the standout advantage of Integrity Bank is its people. The experience, dedication, and team culture are what set the organization apart, reflecting the idea that a strong internal team drives long-term success and customer satisfaction. 2. Integrity Bank’s rapid growth—reaching profitability in less than a year, amassing $85.5 million in loans, and nearly $100 million in deposits—demonstrates the power of focused strategy and strong community relationships. The main lesson is that measurable financial milestones are possible even in the early life of a business with the right foundation and support. 3. Proactive risk management, specifically through careful loan selection and maintaining adequate loan loss reserves, is vital in banking. The discussion underscores the necessity of being cautious and disciplined, with an understanding that even “good loans” can turn bad, and preparation is key to long-term viability. 4. The bank’s focus is on serving local entrepreneurs, small businesses, and the broader Houston community. Relationship-driven banking, rather than mass advertising, is central. This highlights the importance of deep, trust-based relationships in serving communities and fostering economic growth. 5. The rigorous regulatory oversight in banking is presented not as a burden, but as a vital pillar ensuring trust, operational soundness, and protection for shareholders and depositors. Embracing transparency and regulatory scrutiny helps maintain integrity and builds public confidence. Timestamped Overview 00:00 Highlighting Staff Excellence at Integrity Bank 05:58 Weekly Loan Approvals & Risk Management 07:35 Banking Loan Loss Reserves Insight 13:08 Success Through Community Banking 16:27 Immigrant Work Ethic in Houston 18:50 Houston Banks Thriving on Real Estate 22:23 Building Relationships Beyond Banking 26:19 Entrepreneurial Banking TransparencySee omnystudio.com/listener for privacy information.

Andrea Martinez of AMA Marketing sits down with Hazem Ahmed and Mack Neff to share her journey from studying advertising to shaping standout brand collaborations across Houston. She breaks down how to uncover a company’s core ethos, engage diverse communities, and spark creativity through cross‑industry partnerships. The conversation tackles social media shifts, shrinking attention spans, and why in‑person events can beat traditional ads. Andrea also pulls back the curtain on her team structure, the role of virtual assistants, and her vision for AMA Marketing’s future. Marketing insight, local flavor, and fresh ideas, all in one episode. Connect with Andrea: [email protected] To learn more about Integrity Bank, go to itx.bank. Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts! Key Takeaways 1. Marketing isn’t one-size-fits-all. The shift from traditional, “cookie cutter” approaches to creative, tailored strategies is essential—especially for small and medium businesses. Andrea stresses the need to differentiate through creativity, collaboration, and adaptability to current trends (like digital presence and social media). 2. Before launching any marketing initiatives, it’s crucial for a business to define its brand’s core essence—its values, tone of voice, ethos, and what sets it apart. Once this foundation is laid, identifying and reaching the right audience becomes much more effective and authentic. 3. Creative collaborations across industries (like pop-up events, cross-promotions, or partnerships between seemingly unrelated brands) can amplify reach and add excitement. Andrea emphasizes that these out-of-the-box partnerships often resonate more and drive engagement, helping brands tap into broader or niche communities. 4. Consumer attention spans are shorter than ever due to the digital content overload. To stand out, brands must deliver clear messaging quickly, leverage the right content formats (like short videos or reels), and prioritize real human connection. Despite technological advances, authentic face-to-face interactions and community events remain irreplaceable. 5. Growing a business in today’s world can look different—Andrea highlights the benefits of using virtual assistants and outsourcing certain tasks to free up time for high-value, creative, and client-facing activities. While efficiency and flexibility are advantages, maintaining core ethos and personal touch remains key to developing a strong team and brand identity. Timestamped Overview 00:00 Diverse Internships to Marketing Career 05:08 Independent Work and Trust 08:46 Building Banker-Client Relationships 10:02 Brand Solidification Comes First 14:47 Human Connection Irreplaceable 19:22 Outsourcing Edits for Efficiency 22:30 Decline of Newspaper Advertisements 26:06 Perspective and the Power of Silence 27:05 Consequences of Driving DistractionsSee omnystudio.com/listener for privacy information.

The Doyle family of Texan Title has spent three decades growing their business across Texas—without losing their family-first touch. Patrick Doyle, CEO, reflects on a legacy of acquisitions and steady values. Shannon Osborne, president of Southland Title, leads with trust, transparency, and heart. Andrew Doyle dives into the world of commercial deals and what it takes to keep clients coming back. You’ll get the basics of title insurance, straightforward tips for avoiding fraud, and insights on why close-knit relationships matter more than ever.  Enjoy a conversation about community, philanthropy, and family, woven into one Texas success story. Learn more about Texan Title here. To learn more about Integrity Bank, go to itx.bank. Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts! Key Takeaways 1. The Doyle family emphasizes the unique rewards and challenges of running a family-owned business across generations. Key points include maintaining close relationships, balancing professional roles with family dynamics, and fostering a sense of pride and legacy. Keeping a “mom-and-pop” mentality, even as the company grows, is central to their culture and ongoing success. 2. As Texan Title has expanded from a small local business to an enterprise with over 211 employees and multiple branches, maintaining a family-like, inclusive atmosphere remains a top challenge. The Doyles strive for open communication, trust-building, and ensuring that all staff feel involved and valued—balancing democratic participation with decisive leadership. 3. Many consumers may not fully understand what title companies do. The episode clarifies that title companies ensure property ownership is valid, clear of legal encumbrances, and that buyers are protected via title insurance. Their work is essential for secure real estate transactions, and their rates in Texas are state-regulated, so the distinguishing factor is the quality of service and trust. 4. Wire fraud and property title fraud are significant concerns in the industry. Texan Title invests in strong verification processes, secure digital portals, and education to protect clients’ financial interests. Knowing the client personally and maintaining vigilant communication are repeatedly emphasized as critical defenses against fraud. 5. The Doyle family underscores the importance of giving back. Their philanthropic efforts span disaster relief, food banks, health initiatives, and community memorials. For them, true business success is intertwined with community involvement, driven by core values around faith, family, business, and service to others. Timestamped Overview 00:00 CEO's Journey: Expansion and Acquisitions 04:31 Family Legacy in Business 09:12 Balancing Input with Decision-Making 12:04 Property Purchase Assurance Explained 14:27 Texas Homeowner Protection Laws Strengthened 19:31 Consumer Protection Costs Debated 20:17 Phishing Alert: Wire Transfer Scam 25:51 Impactful Giving in Capitalism 27:05 Memorial Statue Donation StorySee omnystudio.com/listener for privacy information.

From her kitchen table to a 200‑agent powerhouse, Nancy Almodovar reveals how she built NAN Properties into one of Houston’s top brokerages. She talks market trends, the move‑in‑ready craze, and helping everyone from first‑time buyers to international relocations. Plus, why her Nan Cares initiative proves real success is about more than sales—and what’s next for Houston housing, from condos to tiny homes. Learn more about NAN Properties here. To learn more about Integrity Bank, go to itx.bank. Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts! Key Takeaways 1. Nancy Almodovar shared her journey of founding NAN Properties, starting at her kitchen table with a $10,000 investment from her husband. The key idea is that entrepreneurial success can be rooted in recognizing gaps in the market, believing in oneself, and leveraging both mentorship and family support. Strategic growth involves adaptability, differentiation, and creating a unique company culture. 2. The discussion covered the ever-changing landscape of Houston's residential real estate market, noting seasonal fluctuations, differences among neighborhoods, and segments such as luxury, first-time buyers, and commercial properties. The main takeaway is that market knowledge must be hyper-local and adaptable, with understanding that factors like interest rates and inventory cycles vary greatly by area. 3. Nancy emphasized the importance of her team—both the 200 realtors and 30 support staff—in building a successful business. Her focus on open-door policies, strong company culture ("Nan Fam"), and supporting local businesses highlights that sustainable success depends on collaboration, community orientation, and valuing employees. 4. Providing guidance for first-time homebuyers and relocating clients, Nancy stressed the significance of working with an experienced realtor, the role of education, and tailored relocation packages. The main takeaway is that client needs are diverse, and high-touch, personalized service is crucial, whether that means helping buyers weigh new construction versus resales or orienting newcomers to Houston life. 5. Nancy discussed the Nan Cares initiative and her philosophy of giving back to the community that supported her business. The big idea here is that true success is measured beyond transactions; it’s about making a positive difference, setting an example for future generations, and collaborating with other local businesses to amplify philanthropic impact. Timestamped Overview 00:00 Unexpected Path to Entrepreneurship 06:03 Houston vs. Galveston Housing Inventory 08:35 Choosing the Right Realtor Matters 11:24 Homebuyers Struggle with Remodeling Vision 13:27 Design Vision and Financial Guts 18:44 Collaborative Impact for Philanthropy 20:00 Success, Humility, and Giving Back 24:55 Retirement-Ready Residential Living 27:05 Downsizing in Texas: Space NeedsSee omnystudio.com/listener for privacy information.

Entrepreneur Juan Carlos De Aldecoa joins Hazem and Mack at Maven Coffee inside Houston’s Thompson Hotel for a conversation about grit, growth, and going big. From immigrant roots to breaking into the automotive world with zero experience, and later co-founding Maven Coffee, Juan Carlos shares how work ethic, mentorship, and smart risks fueled his success. Hear how he’s growing Maven, diving into hospitality with concepts like indoor pickleball courts, and making bold business moves in Houston’s thriving market. It’s a story of resilience, relationships, and keeping life in balance with insights any entrepreneur can use. Learn more about Maven Cafe here. To learn more about Integrity Bank, go to itx.bank. Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts! Key Takeaways 1. Juan Carlos De Aldecoa’s entrepreneurial path is strongly shaped by his family’s work ethic and immigrant roots. From a young age, he was encouraged to take on responsibility, work hard, and never quit—values that built his resilience and drive. The takeaway is that a strong foundation in values and hard work, passed down through family, is often a vital ingredient for entrepreneurial success. 2. Juan Carlos shares how Maven started as an idea and quickly scaled to multiple locations in the Houston area thanks to teamwork, strategic partnerships, and effective management systems. The key lesson is that rapid growth is possible when you assemble a good team, learn from your network, and set up scalable systems early on. 3. Repeatedly, Juan Carlos emphasizes the powerful role mentors and advisors have played in his trajectory, from learning industry specifics to gaining crucial business advice. He intentionally surrounds himself with people smarter than himself. The main idea: seeking out and learning from mentors is essential, especially when entering new industries or scaling businesses. 4. A core strategy Juan Carlos describes is entrepreneurship through acquisition—buying established, successful businesses whose founders are ready to retire (but have no successors), then rolling them up under one parent company. He’s now applying this method beyond automotive, targeting hospitality as well. The concept: smart acquisitions can accelerate growth and preserve valuable local businesses. 5. Throughout the conversation, all the speakers highlight Houston’s supportive, opportunity-rich environment for entrepreneurs. From access to networks and capital, to a willingness among locals to help newcomers, Houston is described as the perfect “incubator.” The message: location and community matter. A thriving, supportive local ecosystem can make a huge difference in entrepreneurial outcomes. Timestamped Overview 00:00 Coffee Shop Plans Altered 03:13 Journey to Hospitality Venture 07:37 Immigrant Family Influence 12:16 Chase Dreams, Not Dollars 14:04 Succession Opportunities in Aging Businesses 18:21 Mentors in Automotive and Hospitality 21:43 Houston: Ideal Business Incubator 24:17 Community Resilience During Hurricane Harvey 25:38 Family Goals and Business InnovationSee omnystudio.com/listener for privacy information.

What does it take to see opportunity in a city that others are leaving behind? Troy Maxwell came to Houston when office buildings were still boarded up and found a way to build something new.  He talks about: The value of relationships and how one introduction at a bank changed his career path How risk-taking and perseverance led him from picking up range balls to real estate development Why Houston is a place where anyone willing to work hard can still achieve the American dream To learn more about Integrity Bank, go to itx.bank. Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts! Key Takeaways 1. Business success is rooted in authentic relationships. Troy Maxwell emphasizes how personal, genuine connections—like those formed at Houston National Bank—create opportunities and foster long-term trust. Treating every interaction with respect, regardless of immediate monetary value, can lead to meaningful, lasting business partnerships. 2. Building something significant requires calculated risk and perseverance. Troy’s journey from picking up range balls to developing large tracts of land exemplifies Houston’s entrepreneurial environment, where grit, hard work, and being willing to "scuff" (work resourcefully and persevere) is key to achieving the American dream. 3. Houston offers unique opportunities for upward mobility and success regardless of background. The city's welcoming and business-friendly nature, diverse economy, and expansive growth make it a prime environment for anyone willing to work hard to pursue and achieve their ambitions. 4. Development success in Houston has been about vision, timing, and adaptability. Troy’s recounting of land assembly, partnership formation, and the city’s westward expansion illustrates how Houston’s open development landscape allows driven individuals to conceptualize, create, and scale projects from the ground up—even starting with minimal resources. 5. Mentorship and passing on hard-earned wisdom is integral to sustaining Houston’s entrepreneurial culture. Troy highlights how being mentored by experts and, in turn, advising the next generation—whether family or community—is about fostering passion, supporting others’ growth, and perpetuating a legacy of opportunity. Timestamped Overview 00:00 Golf Dreams to Business Reality 04:35 Cultivating Relationships Over Money 08:31 From Golf to Development Shift 11:10 From Engineering to Grayson Lakes 15:10 Meetings, Houston, and Resilient Entrepreneurs 18:38 Love for Houston's Growth 20:52 Greater Houston's Unmatched Appeal 23:12 Home-Based Restaurant Success Tips 27:50 Reflections on Urban Growth 30:24 Streamlined Home Building ChallengesSee omnystudio.com/listener for privacy information.

What goes into building homes for people who are chasing the American Dream? What does it mean to put purpose over profit in the Houston housing market?  Amer Syed, Vice President of Sales at Davidson Homes, talks about customer experience, building a strong team, and how he’s using technology to help buyers find the right home at the right time. You’ll hear: How Davidson Homes chooses where and how to build. Why trust and relationships matter in home buying. How buyers can navigate affordability and financing options. Connect with Amer on LinkedIn here. To learn more about Integrity Bank, go to itx.bank. Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts! Key Takeaways 1. The concept of the “American Dream” is deeply tied to homeownership, serving as a significant backdrop to people’s lives and milestones. However, the decision to purchase a home should be driven by personal life factors and readiness, rather than market timing or interest rates. 2. Davidson Homes and Integrity Bank both emphasize creating an exceptional customer experience by treating customers and employees like family. Genuine care, trust, and mission-driven work lead to a superior customer journey and internal culture, which distinguishes them from larger, less personal competitors. 3. Affordability remains a central challenge in today’s real estate market, exacerbated by higher interest rates and rising prices. The right time to buy depends on individual circumstances, and multiple financial assistance programs (grants, USDA/FHA loans) can help make homeownership attainable. 4. Technology, particularly AI tools like ChatGPT, is becoming an essential asset in saving time and boosting efficiency. It can handle routine analysis and reporting, which frees up professionals to focus on personal interactions and relationship building, rather than replacing the human element. 5. There is a shift back to more modestly sized homes and practical designs, driven by affordability concerns and changing lifestyles (e.g., less use of large kitchens and extra rooms). Home designs are adjusting to what people truly need, rather than focusing on excess or prestige. Timestamped Overview 00:00 Finding Passion and Alignment 04:57 Workplace Pride and Leadership 07:28 Revitalization and Affordability Challenges 10:51 Master Plan Community Expansion Strategy 14:25 People: Core of Business Success 19:36 AI: Enhancing Efficiency, Not Replacing Humans 21:16 Embracing Tech: Email's Endurance 23:33 Guiding New Homebuyers 27:54 Rethinking Home Size Expectations 30:28 Building Dreams, Fostering ConnectionsSee omnystudio.com/listener for privacy information.

Starting a new bank from scratch means building trust one relationship at a time. In nine months, we faced many questions: How do you measure growth when everything is still new? How do you plan for the future when there are so many unknowns? How do you keep going, even when there are setbacks? Today, we’re reflecting on what it takes to grow a community bank in Houston and the lessons that apply to any business hoping to find its place. To learn more about Integrity Bank, go to itx.bank. Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts! Key Takeaways 1. The episode centers on reflecting over Integrity Bank’s first nine months, emphasizing the importance of realistic, data-driven projections and strategic planning for growth. Thoughtful forecasting, based in industry knowledge rather than guesswork, helps keep expansion sustainable and expectations grounded. 2. Hazem and Mack highlight that Integrity Bank values deep, meaningful relationships with clients and shareholders over just increasing numbers. Building a community based on trust and personal touch gives the bank a strong foundation and helps differentiate it from transactional, commodity-driven competitors. 3. The discussion stresses the necessity of being nimble and ready to act when unexpected opportunities arise—such as expansion opportunities with office space or hiring unexpected talent. It’s about balancing careful planning with the ability to seize moments as they appear, supported by strong relationships. 4. Mack shares wisdom about the importance of directing energy toward things within your control—your actions, your team, and your service—rather than external factors like the wider economy or regulatory changes. This mindset is portrayed as essential for entrepreneurs and leaders facing uncertainty. 5. Hazem and Mack caution against pursuing growth for its own sake, noting that unsustainable or poorly planned expansion can destabilize an organization. They cite industry examples where unbalanced growth led to failure. The main lesson is that growth should always be monitored against multiple metrics to ensure sound, long-term health. Timestamped Overview 00:00 Integrity Bank's Proud Progress 03:57 Realistic Expectations in Community Banking 07:19 Bank Break-Even and Interest Strategy 13:22 Focus on Control and Motivation 16:04 Success Through Numbers and Trust 21:04 Neighbor's Space: Expansion Opportunity 22:51 Opportunistic Relationships in Business 25:22 Seize Opportunities, Adapt and Thrive 30:24 Measured Growth for SMB Success 31:48 Houston: Where Dreams Become RealitySee omnystudio.com/listener for privacy information.

What does it mean to bring artists and community together in a space that isn’t a gallery?  Some walk halls for inspiration, others meet by chance, and sometimes an idea grows into something bigger than either person could have planned.  Today, Chu the Artist joins Hazem and Mack to talk about how art found a new home inside Integrity Bank, how a teacher shares confidence with students, and how creativity changes a career. Learn what happens when art goes beyond the studio Hear how young artists find their first audience See how a passion can become a calling See Chu’s work here. To learn more about Integrity Bank, go to itx.bank. Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts! Key Takeaways 1. The episode explores how art and business—especially banking—can collaborate in meaningful ways. By incorporating local art into the bank’s physical space, Integrity Bank demonstrates its commitment to reflecting and supporting the community, challenging traditional notions of what belongs within banking environments. 2. Mentorship and guidance are crucial for developing both artistic and entrepreneurial talent. Chu emphasizes the importance of helping others “see better” and building their confidence, mirroring the bank's approach to supporting clients in realizing their aspirations, whether in art or business. 3. Encouragement from one’s mother and the opportunity to participate in a major art commission, can be pivotal in shaping a person's confidence and career path. Recognition and rewards serve as strong motivators for young talents and are essential in both art and business. 4. Versatility is highlighted as a defining trait for success. Chu discusses working in various media (painting, mosaic, installation art, etc.) and continually seeking new creative challenges. Ongoing practice, teaching, and learning from different materials or genres keeps an artist’s work evolving—an attitude equally valuable in any innovative or entrepreneurial pursuit. 5. Artists often face challenges balancing creativity with financial stability. Chu underscores the importance of blending artistic training with business skills like marketing, self-promotion, and entrepreneurship, especially in the modern era where greater access (e.g., social media) can empower artists to sustain themselves professionally. Timestamped Overview 00:00 Chance Meeting Sparks Artistic Collaboration 03:29 "Community Art in Corporate Spaces" 07:08 Early Passion Leads to Artistic Contract 12:38 Consistent Practice Through Teaching 15:51 Artistic Exploration Beyond Comfort Zones 19:38 "Empowering Aspirations Through Guidance" 20:37 Showcasing Emerging and Young Artists 25:30 Artists Need Business Training 28:27 "Guaranteed Enjoyment Promise"See omnystudio.com/listener for privacy information.

Have you ever thought about how someone breaks the cycle of incarceration in a family?  The Prison Entrepreneurship Program has helped people behind bars learn how to launch a business and start a new life. Today, Hazem and Mack welcome PEP's Chief Development Officer Chris Valka for a conversation you don't want to miss.  Hear what happens when relationships formed in prison have an impact long after release.  You'll find out: What happens when volunteers and those incarcerated meet face to face Why character, family, and employment matter after someone comes home What it means to be part of breaking generational patterns Learn more about PEP here. To learn more about Integrity Bank, go to itx.bank. Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts! Key Takeaways 1. The Prisoner Entrepreneurial Program (PEP) increases formerly incarcerated individuals’ chances of success by teaching them entrepreneurship and business skills. This is based on the reality that many struggle to find employment due to their records. By empowering them to start their own businesses, PEP not only gives them financial opportunities, but also helps break generational cycles of incarceration and poverty. 2. The real “secret sauce” of PEP’s success is the strong relationships formed between volunteers, mentors, and participants. Consistent support from volunteers before and after release helps form community bonds and a sense of belonging, which is crucial for reintegration. These relationships are transformational for both participants and volunteers. 3. Volunteering for PEP is not just about helping others; it profoundly affects the volunteers themselves. The program fosters empathy, gratitude, and self-reflection for those who serve, often leaving volunteers feeling that they gain even more from the experience than the participants. 4. PEP doesn’t just teach business—it restores dignity to people who have been judged and labeled by society. Celebrations like graduations, involving family reunification and public recognition, are key moments of transformation. Restoring dignity opens the door for meaningful societal reintegration. 5. With strong outcomes (like recidivism rates far below state and national averages), PEP is exploring ways to scale its model digitally and geographically. Despite technology, the program’s data proves that personal, in-person engagement is irreplaceable. As PEP seeks to expand, it aims to maintain its high standards by blending digital access with face-to-face mentorship. Timestamped Overview 00:00 Empowerment Through Entrepreneurship Training 03:58 Breaking the Cycle of Incarceration 07:52 "Life Caddies Support Reentry Success" 12:50 "Reevaluating Incarceration and Redemption" 14:12 Listening for Transformation in Incarceration 18:20 PEP's Digital Curriculum Expansion Plan 22:31 Join, Invest, Support PP Online 25:55 "Servant Leadership in Rehabilitation" 27:06 "Family's Role in Rehabilitation" 31:16 Touching Reunion at GraduationSee omnystudio.com/listener for privacy information.

What do you do when you’re told you have six months to live? Dewey Stringer, a Houston entrepreneur and community leader, faced this question after decades building businesses in the oil industry and banking.  In this episode, Dewey shares how he fought back against a dire cancer diagnosis, pioneered new treatments at MD Anderson and Baylor, and turned his journey into hope for others. Learn more about Adopt-a-Scientist here. To learn more about Integrity Bank, go to itx.bank. Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts! Key Takeaways 1. Dewey Stringer’s journey reflects the importance of resilience, whether navigating the ups and downs of the oil and gas industry or confronting a life-threatening cancer diagnosis. His ability to adapt—pivoting business models and embracing new technologies, and later, embracing experimental medical treatments—shows that persistence coupled with openness to change is vital for long-term success and survival. 2. Dewey’s experience as an early beneficiary of immunotherapy highlights the transformative potential of cutting-edge medical research. His story underscores how scientific breakthroughs (like checkpoint inhibitors) can turn dire prognoses around, and stresses the importance of supporting research and clinical trials that advance healthcare. 3. Strong personal and professional relationships were central to Dewey’s survival and ability to help others. His story illustrates how community connections—whether with friends, fellow business owners, or medical professionals—create networks of support and knowledge-sharing that can save lives and foster collective progress. 4. A major message from Dewey’s experience is the necessity of paying attention to health symptoms and prioritizing regular physical checkups and specific medical screenings. Early detection dramatically improves treatment outcomes for conditions like cancer; neglecting symptoms can have serious, even fatal, consequences. 5. Dewey transformed his personal battle into broader impact by helping hundreds of others navigate the cancer treatment process and by supporting medical research through philanthropy. His involvement, including founding the “Adopt a Scientist, Cure Cancer” initiative, shows how individuals can leverage their experiences and resources to drive positive change and advance life-saving research for the entire community. Timestamped Overview 00:00 Serendipitous Film Role Encounter 04:35 From Student to Oil Entrepreneur 08:03 "Confronting Cancer Amid Career Focus" 13:22 "Personal Triumph in Clinical Trial" 16:07 "Touring Labs During Cancer Battle" 18:10 Turning On T Cells Against Cancer 21:37 Early Detection: Crucial for Cancer Prevention 25:26 Podcast Highlights Community Banking Impact 28:53 Sincere Gratitude for Selfless SupportSee omnystudio.com/listener for privacy information.