Hill Country roots since 1908
Banking that knows
your county road.
Checking, savings, mortgages, escrow, and insurance from neighbors who live where you live, with online banking that works just as hard as we do.
What we offer
Everything your household and business need
Checking
Everyday accounts with early direct deposit and no minimum on Hill Country Checking.
Learn moreSavings & CDs
Competitive APY on savings, money market, and certificates from 6 to 60 months.
Learn moreMortgages
Purchase, refinance, and ranch property loans underwritten right here in Texas.
Learn moreEscrow Services
Neutral, secure funds holding for real estate and business transactions.
Learn moreInsurance
Home, auto, life, and renters coverage through our in-house agency.
Learn moreBusiness Banking
Operating accounts, ag lending, and merchant services for Main Street.
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Hill Country Checking ••4821
$8,412.36
Online & mobile banking
Your bank, open on your schedule
Deposit, transfer, pay bills, track savings goals, and message your relationship manager from anywhere in the state.
- Instant transfers between your accounts and other members
- Deposit by ACH, mobile check, or wire
- Savings goals with progress tracking
- Escrow, loan, and insurance details in one place
- Secure messages with a named relationship manager
Home lending
Local decisions on your front porch
From first homes in town to acreage outside it, our lenders underwrite right here and service your loan for its life.
Explore mortgages
Escrow services
Hold funds with a neutral third party
Buying land, a business, or equipment? We hold the money until everyone's conditions are met, then release it.
How escrow worksRooted in Menard County
When the town does well, we do well
For more than a century our story has been told alongside the San Saba River. We sponsor the county livestock show, fund scholarships, and our team volunteers thousands of hours a year.
- 117
- years serving Texas
- 4
- Hill Country branches
- $2.1M
- community giving
Figures are fictional, created for this capstone project.
Our community work
Main Street first
Deposits here fund loans here.
Customer stories
Neighbors, not account numbers
“When we bought our first place outside Junction, our loan officer picked up every single call. That's what a community bank is supposed to feel like.”
“The escrow team held the deposit on our equipment sale and released it the day the tractor was delivered. Clean and simple.”
“The app is honestly better than the big bank I left. I can see my savings goals and pay the feed store without driving to town.”
Testimonials are fictional examples written for this demo.
We will never ask for your password or PIN.
Not by phone, text, or email. If something feels off, hang up and call us at the number on our website.
Ready to bank with neighbors?
Open demo checking and savings in about five minutes. No real money required.