Mr. Howard was named President & Chief Executive Officer of T Bancshares, Inc. and T Bank, N.A. in July 2010. He joined as a Director and Executive Vice President, Chief Operating Officer of both organizations in September 2007. Previously and from 1994, Mr. Howard served as the Executive Vice President, Chief Operating Officer of a $2.2 billion savings bank headquartered in Denver, Colorado. His responsibilities included management of bank operations, retail branch operations, mortgage servicing and loan operations, compliance and business and strategic planning, as well as serving on the board of directors. Mr. Howard started his banking career in 1986 in San Antonio, Texas. He is an honors graduate of the University of Texas at San Antonio where he earned a Bachelor of Business Administration degree in finance.