Mary Ann Hebel

Business Bank of Texas

Mary Ann Hebel is organizer, director, executive vice president and chief financial officer of Business Bank of Texas, N.A. With over 37 years of banking experience, Mary Ann has contributed to the success of three national banks in the areas of accounting, data processing, human resources, and more recently as chief operations and chief financial officer. Mary Ann has also served as a consultant to the Texas Department of Banking in the capacity of liquidation agent for failed trust companies and private banks.

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Email Mary Ann Hebel mhebel@businessbankoftexas.com

About Mary Ann Hebel

Business Bank of Texas

Mary Ann Hebel is organizer, director, executive vice president and chief financial officer of Business Bank of Texas, N.A. With over 37 years of banking experience, Mary Ann has contributed to the success of three national banks in the areas of accounting, data processing, human resources, and more recently as chief operations and chief financial officer. Mary Ann has also served as a consultant to the Texas Department of Banking in the capacity of liquidation agent for failed trust companies and private banks.

Business experts in the news

by Mary Ann Hebel

Business Bank of Texas

Mary Ann Hebel is organizer, director, executive vice president and chief financial officer of Business Bank of Texas, N.A. With over 37 years of banking experience, Mary Ann has contributed to the success of three national banks in the areas of accounting, data processing, human resources, and more recently as chief operations and chief financial officer. Mary Ann has also served as a consultant to the Texas Department of Banking in the capacity of liquidation agent for failed trust companies and private banks.

We would like to take a moment to recognize one of our long time business associates Tommy Wald of White Glove Technologies. White Glove is our trusted IT service provider at Business Bank of Texas. Recently White Glove received the following industry honor that we want to share with you.

Topics: Technology, Blog Posts

Understanding your company’s debt service coverage ratio

by Mary Ann Hebel

Business Bank of Texas

Mary Ann Hebel is organizer, director, executive vice president and chief financial officer of Business Bank of Texas, N.A. With over 37 years of banking experience, Mary Ann has contributed to the success of three national banks in the areas of accounting, data processing, human resources, and more recently as chief operations and chief financial officer. Mary Ann has also served as a consultant to the Texas Department of Banking in the capacity of liquidation agent for failed trust companies and private banks.

No bank or other lender is going to loan you money for a long-term asset without knowing how you are going to prepay the loan. The debt service coverage ratio (DSCR) is used by banks and other lenders to determine how much free cash your business is generating that is available to repay a long-term loan.

Topics: Management, Accounting & Finance

Transaction account guarantee update – will big banks pass on the cost?

by Mary Ann Hebel

Business Bank of Texas

Mary Ann Hebel is organizer, director, executive vice president and chief financial officer of Business Bank of Texas, N.A. With over 37 years of banking experience, Mary Ann has contributed to the success of three national banks in the areas of accounting, data processing, human resources, and more recently as chief operations and chief financial officer. Mary Ann has also served as a consultant to the Texas Department of Banking in the capacity of liquidation agent for failed trust companies and private banks.

The Business Bank of Texas was founded in 2007 with the concept of using modern technology to help reduce the cost of doing business and to pass on that savings to our customers. Unlike many banks, we haven’t passed on the cost of providing the base level of FDIC insurance and we haven’t passed on the cost of participating in the TAG program.

Topics: Featured, Legal, Articles, Accounting & Finance

Have you ever wondered why lenders require personal guarantees?

by Mary Ann Hebel

Business Bank of Texas

Mary Ann Hebel is organizer, director, executive vice president and chief financial officer of Business Bank of Texas, N.A. With over 37 years of banking experience, Mary Ann has contributed to the success of three national banks in the areas of accounting, data processing, human resources, and more recently as chief operations and chief financial officer. Mary Ann has also served as a consultant to the Texas Department of Banking in the capacity of liquidation agent for failed trust companies and private banks.

In the world of banking (20+ years ago), many loans were made with a handshake. Loan documentation occasionally even happened after funds were advanced. Banks and their business customers were neighbors, friends, and often had long-term relationships.

Topics: Featured, Management, Articles, Accounting & Finance

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Why business owners should know what their company’s NAICS codes are

by Mary Ann Hebel

Business Bank of Texas

Mary Ann Hebel is organizer, director, executive vice president and chief financial officer of Business Bank of Texas, N.A. With over 37 years of banking experience, Mary Ann has contributed to the success of three national banks in the areas of accounting, data processing, human resources, and more recently as chief operations and chief financial officer. Mary Ann has also served as a consultant to the Texas Department of Banking in the capacity of liquidation agent for failed trust companies and private banks.

Every industry in the United States has a North American Industry Classification System (NAICS) code. The code is used for a variety of purposes that may affect your bottom line as well as your ability to access business loans.

Topics: Operations, Management, Blog Posts

How debit and credit ACH can save you time and money

by Mary Ann Hebel

Business Bank of Texas

Mary Ann Hebel is organizer, director, executive vice president and chief financial officer of Business Bank of Texas, N.A. With over 37 years of banking experience, Mary Ann has contributed to the success of three national banks in the areas of accounting, data processing, human resources, and more recently as chief operations and chief financial officer. Mary Ann has also served as a consultant to the Texas Department of Banking in the capacity of liquidation agent for failed trust companies and private banks.

The banking industry has undergone monumental technological changes during the past ten years. One of the most exciting has been bringing electronic funds transfer (EFT) to nearly any business that can benefit from using it. Also called ACH, which stands for Automated Clearing House is a network that electronically processes collections and payments. Though there are a number of types of ACH transactions, ACH debit (also called direct debit) and ACH credit are the most common.

Topics: Operations, Management, Blog Posts, Accounting & Finance

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