Independent Banker - July 2021 - 44

ICBA's
Austin Capital Bank's team
includes (from left to right)
fintech marketing director
Alejandra Rodriguez; branch
manager Vanessa Smith;
CEO and founder Erik Beguin;
mortgage loan off icer Vicente
Galvan; and fintech product
owner Crystal Huang.
CONSUMER AND MORTGAGE
Austin Capital Bank finds success in unlikely places
ustin Capital Bank's strength
comes from the fact that it's a
nontraditional bank-and that
its founder and CEO, Erik Beguin,
is a nontraditional banker. Beguin
likens himself to a brand manager
and the community bank to a fi ntech.
" When I go to banking
conferences, I feel like the odd
duck out, " says Beguin, whose
background is in brand and product
management, including a short stint
branding antiperspirant at Procter
& Gamble. " A lot of community
banks are running the same business
model, but I read the OCC [Offi ce of
the Comptroller of the Currency] list
of permissible bank activities, and I
fi gure out which ones no one else is
doing and do those. "
Austin Capital Bank's innovative
character is evident on its website.
There, the community bank
prominently features its fi nancial
Austin Capital Bank
Austin, Texas
Asset size: $292 million
Consumer lender score: 99.30
Rank in category: 1
technology services, including
various consumer fi ntech products.
The bank describes itself as " like
ridesharing for banking " because
as an organization it's technologyenabled
and community-driven.
That clear focus on technology and
innovation, plus the strength of its
mortgage business, are the reasons
2020 was a successful year for Austin
Capital Bank, Beguin says.
" We're really a digital-fi rst bank, so
2020 lent itself nicely to us, " he says.
" And we have a mortgage division,
and 2020 was a banner year for that. "
Austin Capital Bank wasn't always
44 Q ICBA Independent Banker Q July 2021
Photo by Dennis Burnett

Independent Banker - July 2021

Table of Contents for the Digital Edition of Independent Banker - July 2021

Table of Contents
Independent Banker - July 2021 - Cover1
Independent Banker - July 2021 - Cover2
Independent Banker - July 2021 - Table of Contents
Independent Banker - July 2021 - 2
Independent Banker - July 2021 - 3
Independent Banker - July 2021 - 4
Independent Banker - July 2021 - 5
Independent Banker - July 2021 - 6
Independent Banker - July 2021 - 7
Independent Banker - July 2021 - 8
Independent Banker - July 2021 - 9
Independent Banker - July 2021 - 10
Independent Banker - July 2021 - 11
Independent Banker - July 2021 - 12
Independent Banker - July 2021 - 13
Independent Banker - July 2021 - 14
Independent Banker - July 2021 - 15
Independent Banker - July 2021 - 16
Independent Banker - July 2021 - 17
Independent Banker - July 2021 - 18
Independent Banker - July 2021 - 19
Independent Banker - July 2021 - 20
Independent Banker - July 2021 - 21
Independent Banker - July 2021 - 22
Independent Banker - July 2021 - 23
Independent Banker - July 2021 - 24
Independent Banker - July 2021 - 25
Independent Banker - July 2021 - 26
Independent Banker - July 2021 - 27
Independent Banker - July 2021 - 28
Independent Banker - July 2021 - 29
Independent Banker - July 2021 - 30
Independent Banker - July 2021 - 31
Independent Banker - July 2021 - 32
Independent Banker - July 2021 - 33
Independent Banker - July 2021 - 34
Independent Banker - July 2021 - 35
Independent Banker - July 2021 - 36
Independent Banker - July 2021 - 37
Independent Banker - July 2021 - 38
Independent Banker - July 2021 - 39
Independent Banker - July 2021 - 40
Independent Banker - July 2021 - 41
Independent Banker - July 2021 - 42
Independent Banker - July 2021 - 43
Independent Banker - July 2021 - 44
Independent Banker - July 2021 - 45
Independent Banker - July 2021 - 46
Independent Banker - July 2021 - 47
Independent Banker - July 2021 - 48
Independent Banker - July 2021 - 49
Independent Banker - July 2021 - 50
Independent Banker - July 2021 - 51
Independent Banker - July 2021 - 52
Independent Banker - July 2021 - 53
Independent Banker - July 2021 - 54
Independent Banker - July 2021 - 55
Independent Banker - July 2021 - 56
Independent Banker - July 2021 - 57
Independent Banker - July 2021 - 58
Independent Banker - July 2021 - 59
Independent Banker - July 2021 - 60
Independent Banker - July 2021 - 61
Independent Banker - July 2021 - 62
Independent Banker - July 2021 - 63
Independent Banker - July 2021 - 64
Independent Banker - July 2021 - 65
Independent Banker - July 2021 - 66
Independent Banker - July 2021 - 67
Independent Banker - July 2021 - 68
Independent Banker - July 2021 - 69
Independent Banker - July 2021 - 70
Independent Banker - July 2021 - 71
Independent Banker - July 2021 - 72
Independent Banker - July 2021 - 73
Independent Banker - July 2021 - 74
Independent Banker - July 2021 - 75
Independent Banker - July 2021 - 76
Independent Banker - July 2021 - 77
Independent Banker - July 2021 - 78
Independent Banker - July 2021 - 79
Independent Banker - July 2021 - 80
Independent Banker - July 2021 - Cover3
Independent Banker - July 2021 - Cover4
https://www.nxtbook.com/mspc/independentbanker/october2024
https://www.nxtbook.com/mspc/independentbanker/september2024
https://www.nxtbook.com/mspc/independentbanker/august2024
https://www.nxtbook.com/mspc/independentbanker/july2024
https://www.nxtbook.com/mspc/independentbanker/june2024
https://www.nxtbook.com/mspc/independentbanker/may2024
https://www.nxtbook.com/mspc/independentbanker/april2024
https://www.nxtbook.com/mspc/independentbanker/march2024
https://www.nxtbook.com/mspc/independentbanker/february2024
https://www.nxtbook.com/mspc/independentbanker/january2024
https://www.nxtbook.com/mspc/independentbanker/december2023
https://www.nxtbook.com/mspc/independentbanker/november2023
https://www.nxtbook.com/mspc/independentbanker/october2023
https://www.nxtbook.com/mspc/independentbanker/september2023
https://www.nxtbook.com/mspc/independentbanker/august2023
https://www.nxtbook.com/mspc/independentbanker/july2023
https://www.nxtbook.com/mspc/independentbanker/june2023
https://www.nxtbook.com/mspc/independentbanker/may2023
https://www.nxtbook.com/mspc/independentbanker/april2023
https://www.nxtbook.com/mspc/independentbanker/march2023
https://www.nxtbook.com/mspc/independentbanker/february2023
https://www.nxtbook.com/mspc/independentbanker/january2023
https://www.nxtbook.com/mspc/independentbanker/december2022
https://www.nxtbook.com/mspc/independentbanker/november2022
https://www.nxtbook.com/mspc/independentbanker/october2022
https://www.nxtbook.com/mspc/independentbanker/september2022
https://www.nxtbook.com/mspc/independentbanker/august2022
https://www.nxtbook.com/mspc/independentbanker/july2022
https://www.nxtbook.com/mspc/independentbanker/june2022
https://www.nxtbook.com/mspc/independentbanker/may2022
https://www.nxtbook.com/mspc/independentbanker/april2022
https://www.nxtbook.com/mspc/independentbanker/march2022
https://www.nxtbook.com/mspc/independentbanker/february2022
https://www.nxtbook.com/mspc/independentbanker/january2022
https://www.nxtbook.com/mspc/independentbanker/december2021
https://www.nxtbook.com/mspc/independentbanker/november2021
https://www.nxtbook.com/mspc/independentbanker/october2021
https://www.nxtbook.com/mspc/independentbanker/september2021
https://www.nxtbook.com/mspc/independentbanker/august2021
https://www.nxtbook.com/mspc/independentbanker/july2021
https://www.nxtbook.com/mspc/independentbanker/june2021
https://www.nxtbook.com/mspc/independentbanker/may2021
https://www.nxtbook.com/mspc/independentbanker/april2021
https://www.nxtbook.com/mspc/independentbanker/march2021
https://www.nxtbook.com/mspc/independentbanker/february2021
https://www.nxtbook.com/mspc/independentbanker/january2021
https://www.nxtbook.com/mspc/independentbanker/december2020
https://www.nxtbook.com/mspc/independentbanker/november2020
https://www.nxtbook.com/mspc/independentbanker/october2020
https://www.nxtbook.com/mspc/independentbanker/september2020
https://www.nxtbook.com/mspc/independentbanker/august2020
https://www.nxtbook.com/mspc/independentbanker/july2020
https://www.nxtbook.com/mspc/independentbanker/june2020
https://www.nxtbook.com/mspc/independentbanker/may2020
https://www.nxtbook.com/mspc/independentbanker/april2020
https://www.nxtbook.com/mspc/independentbanker/march2020
https://www.nxtbook.com/mspc/independentbanker/february2020
https://www.nxtbook.com/mspc/independentbanker/january2020
https://www.nxtbook.com/mspc/independentbanker/december2019
https://www.nxtbook.com/mspc/independentbanker/november2019
https://www.nxtbook.com/mspc/independentbanker/october2019
https://www.nxtbook.com/mspc/independentbanker/september2019
https://www.nxtbook.com/mspc/independentbanker/august2019
https://www.nxtbook.com/mspc/independentbanker/july2019
https://www.nxtbook.com/mspc/independentbanker/june2019
https://www.nxtbook.com/mspc/independentbanker/may2019
https://www.nxtbook.com/mspc/independentbanker/april2019
https://www.nxtbook.com/mspc/independentbanker/march2019
https://www.nxtbook.com/mspc/independentbanker/february2019
https://www.nxtbook.com/mspc/independentbanker/january2019
https://www.nxtbook.com/mspc/independentbanker/december2018
https://www.nxtbook.com/mspc/independentbanker/november2018
https://www.nxtbook.com/mspc/independentbanker/october2018
https://www.nxtbook.com/mspc/independentbanker/september2018
https://www.nxtbook.com/mspc/independentbanker/august2018
https://www.nxtbook.com/mspc/independentbanker/july2018
https://www.nxtbook.com/mspc/independentbanker/june2018
https://www.nxtbook.com/mspc/independentbanker/may2018
https://www.nxtbook.com/mspc/independentbanker/april2018
https://www.nxtbook.com/mspc/independentbanker/march2018
https://www.nxtbook.com/mspc/independentbanker/february2018
https://www.nxtbook.com/mspc/independentbanker/january2018
https://www.nxtbook.com/mspc/independentbanker/december2017
https://www.nxtbook.com/mspc/independentbanker/november2017
https://www.nxtbook.com/mspc/independentbanker/october2017
https://www.nxtbook.com/mspc/independentbanker/september2017
https://www.nxtbook.com/mspc/independentbanker/august2017
https://www.nxtbook.com/mspc/independentbanker/july2017
https://www.nxtbook.com/mspc/independentbanker/june2017
https://www.nxtbook.com/mspc/independentbanker/may2017
https://www.nxtbook.com/mspc/independentbanker/april2017
https://www.nxtbookmedia.com