Board of Directors

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Tom C. Nichols

Chairman of the Board

Tom Nichols currently serves as Chairman of the Board and CEO for Carlile Bancshares, Inc. Tom has acquired, managed and sold banking organizations and other financial services companies for over 30 years. He began his banking career in 1969 as a bank examiner for the FDIC. Since then, his experience includes time with Gerald J. Ford's Ford Bank Group where he served as President and Chief Operating Officer and later, Chairman, President and CEO of Ford's lead bank, First National Bank of Lubbock. While with the Ford Bank Group, he oversaw the acquisition and operation of numerous banks in Texas and New Mexico. Mergers and acquisitions of Ford Bank Group led to Nichols holding the titles of President and Chief Operating Officer for First United Bank Group and later, Regional President of Norwest Bank of Texas, N.A. In 1996 Nichols formed State National Bancshares, Inc. (SNBI) and chartered its subsidiary, State National Bank, a de novo national banking association originally chartered in Lubbock, TX. Recruiting former senior officers from Ford Bank Grup and United New Mexico, Nichols let the SNBI management team from 1996-2005 in the completion of ten acquisitions and grew from a de novo to assets over $1/7 billion at the time of its acquisition by BBVA in 2007. Tom holds a BS degree in Economics from Abilene Christian University, serves on the First Acceptance Corporations (FAC-NYSE)Audit and Compensation Committees, and resides in Fort Worth, TX.

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Robert W. Gentry

Senior Chairman

Rob Gentry earned his Finance degree while working his way through Texas Tech University as a bank teller. Upon graduation he became an Examiner with the U. S. Treasury, Office of the Comptroller of the Currency, serving from 1970-1974, from 1974 to 1992, Mr. Gentry worked in several positions for the Ford Bank Group including Sr. Vice President/Director FNB- Plainview, organizing President/Director, United National Dallas, President, United National Denton, President/Director, FNB-Borger and Organizing President, Ford Capital of Dallas. In 1992 he left the Ford Bank Group and co-found a Dallas based Investment Management Company serving community banks throughout Texas, including Lake Cities State Bank in Lake Dallas. In 1995 he joined the Board of the Lake Cities State Bank and began orchestrating a new business and management plan for the bank. Through this plan the Lake Cities State Bank added Tony Clark and a new banking team and expanded from a single location to NORTHSTAR's footprint of 10 locations in North Texas at the time the company was merged into Carlile Bancshares in July of 2012. Mr. Gentry now serves as Senior Chairman of NORTHSTAR BANK and Director of Carlile Bancshares.

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Tony R. Clark

President / CEO

Tony Clark has worked in banking for over 30 years. He and Rob Gentry restructured Lake Cities State Bank in 1999 and renamed it NORTHSTAR BANK OF TEXAS. Collectively this new group built the bank from assets of $39 million and two locations to the largest locally owned bank in Denton and Denton County, and one of the largest in the Dallas / Ft. Worth Metroplex. Prior to NORTHSTAR BANK, Tony was President for Texas Bank in Denton from 1993-1999. He graduated from Midwestern State University with a BBA in Business/Finance. He is a 1996 graduate of Southwestern Graduate School of Banking at Southern Methodist University. In addition to leading the bank, Tony has strong participation in community organizations such as United Way, Chamber of Commerce, and various other well-known non-profits.

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Don E. Cosby

Vice Chairman of the Board

Don Cosby is the President and Chief Operating Officer for Carlile Bancshares. Don brings more than 25 years of experience in the banking and financial services related industries, including his work with Tom Nichols over most of that time period. He worked at the Ford Bank Group and served as Chief Financial Officer from 1981-1989. In 1989, Don became Chief Fiscal (Financial) Officer at Texas Tech University until 1996 when he teamed up with Tom Nichols to form State National Bank, Inc. (SNBI). He holds a BBA degree in Accounting from Texas Tech University and became a certified public accountant in 1979.

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Myra Crownover

Texas State Representative

Myra Crownover has served as a Director for NORTHSTAR BANK since 2001. She is currently serving her fifth term as the State Representative for District 64 in North Texas. Myra has been appointed to several state committees serving in key positions. In addition, she spends numerous hours with various local memberships and community organizations in the Denton County area.

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Kent Key

Kent Key Custom Homes

Kent Key has been in the custom home building business since the early 80's. He is also involved with many other real estate developments and businesses in the North Texas area. Kent joined the NORTHSTAR BANK Board of Directors in 1999 when the bank was restructured.

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Joseph Mulroy

Retired Businessman

Joe Mulroy has owned and operated several businesses in Denton County for over 31 years. In addition to his business experience, Joe has served on Denton's City Council, Planning and Zoning Commission, Public Utility Board, and served in numerous capacities on civic and non-profit organizations and boards. Joe joined the Board at NORTHSTAR BANK in 1999, and serves on the Board's Audit Committee.

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Patrick O'Brien

Rogers- O’Brien Construction

Pat O'Brien is Chairman of the Board of Rogers-O'Brien Construction. Following college and serving in the Army, Pat joined with Steve Rogers to form the existing company in 1969. He is a member of several industry and community organizations and has served in many leadership roles within the construction industry. In addition, Pat is the recipient of multiple awards, Including QUOIN's "SIR Award", as well as the American Subcontractor Association's "Lifetime Achievement Award". Pat joined the NORTHSTAR BANK Board in 1999.

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Robert Sherman


Bob Sherman retired from the banking industry in Chicago, IL after 30 years of holding key positions within banks and subsidiary companies. Bob joined the NORTHSTAR BANK Board in 1999, and is currently retired. He donates his time to a vast number of civic and non-profit organizations while serving in key leadership roles for them. Bob is a Life Member of the University of North Texas President's Council and the University of North Texas Foundation Board of Directors.

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Richard Smith

Semi-Retired Businessman

Dick Smith has served on the Board of NORTHSTAR BANK since 1999. After a successful career founding and growing several businesses in the healthcare industry, Dick is semi-retired. He is involved in several business interests as well as enjoying giving back to the Denton community. He currently serves on the Denton Fire Fighters Pension Board and as Chairman of the City of Denton Public Utility Board.

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Roy Stewart


Roy has served on the Board since 2006 and also leads the business development efforts in NORTHSTAR's Northeast Tarrant County operations. He previously owned and operated Roy Stewart Homes, Inc. for 34 years. Roy currently serves on the Grapevine City Council (for the past 18 years) and is active in many civic and community organizations.

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Robert Widmer


Bob Widmer has practiced law since 1982. His area of expertise focuses on Business Planning, Estate Planning, Tax Planning, Business and Corporate Law to name a few. In addition to his law practice, Bob has written a book, served as an Adjunct Professor at the University of North Texas and has served on many civic and non-profit boards. Bob joined NORTHSTAR BANK's Board in 2007.

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Jack Furst

Advisory Board Member
Retired Co-Founder HM Capital Partners

Jack Furst was selected as an Advisory Board Member in 2010 for NORTHSTAR BANK. Jack is a philanthropist and retired co-founder of HM Capital Partners. In addition to his community, civic and church work, Jack has been the force behind The Summit Bechtel Family National Scout Reserve for the Boy Scouts.