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Centennial bank kerrville

centennial bank kerrville

Kerrville Branch of Centennial Bank in Kerrville, TX. Find Routing Number, Map Location, Swift Codes, Contact Numbers. KATHLEEN CAILLOUX FAMILY FOUNDATION CENTENNIAL BANK TRUSTEE is based in TX. As of the end of the tax year 2019, the organization recognized $4060819 in r. Kerrville Branch is a branch office of Centennial Bank. They provide the following services: Full Service Office Location and are located at 1145 Junction.

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Bruno Tissot – Bank for International Settlements (BIS) 830-997-9110

Than k you!

Update business information for Our View The chamber’s annual business directory, Our View, will be published at the beginning of the year. In an effort to keep everything that’s printed in the directory current and accurate, check your business’ page on the member directory at centennial bank kerrville Page TEU Services 7418




Ribbon cuttings

Ribbon Cutting: Oct. 29 for new membership Business: John Deere dealership that serves large and small ag, construction and turf city bank lubbock texas phone number Contact: 884 Harper Road, 830-216-6854, [email protected] or

Heart of the Cards


Ribbon Cutting: Oct. 30 for new membership Business: Sells gaming accessories Contact: 1810 Junction Highway, Suite 106 or

Fitness First Sports Ribbon Cutting: Nov. 15 for 40th anniversary Business: Clothing design creation and printing Contact: 141 W. Water St., Suite A-100, 830-896-0114,

» Tri-O


Ribbon Cutting: Nov. 27 for grand opening and new membership Business: Tapas restaurant Contact: 109 Highway 39 in Ingram, 830-367-3287,


The Apothecary Shoppe

Ribbon Cutting: Nov. 29 for new membership Business: Prescriptions for specific needs and professional consultation Contact: 1228 Bandera Highway, 830-257-0732,

Photos courtesy of the Kerrville Area Chamber of Commerce

It’s all right here • 5

Get to Know Business Spotlight

Doing what is right Centennial Bank helps its customers and community thrive Story and photos by Chelsea M.K. Stack Centennial Bank was founded in Centennial bank kerrville in 1934 and has grown to 14 locations across West Texas, the Centennial bank kerrville Plains, Hill Country and Austin. The Kerrville office was opened in 2002. The bank has a reputation for a friendly staff of local experts who treat their customers like neighbors and friends with a commitment to help them realize ambitions and achieve goals, according to its website. It has been awarded the five-star Bauer Rating every quarter for more than six years. “I believe the secret to success is in always doing what is right — capital one platinum secured credit increase easy. Doing what is right for the customers, employees and community,” said Brian Bowers, SVPKerrville market president. “This isn’t just the big things, but the little things we do every day.” Centennial Bank is a big sponsor of community events from the Hill Country District Junior Livestock Show to the

chamber through a title sponsorship of the Chamber Choice Awards Banquet, as well as the Tivy Athletic Booster Club and the Kerrville Public School Foundation, among others. “The one that I am most proud of, personally, is the financial literacy program we have started for all eighth grade students in KISD,” Brian said. “This program consists of nine classes that we will teach over the course of the school year. We will cover topics from budgeting, borrowing money, savings and overall smart money habits. Since starting the program, the feedback from teachers, students and parents has been very positive.” Centennial Bank also is hosting the Before-Hours Business Breakfast from 6:45 to 8 a.m. Thursday, Dec. 13. “The breakfast is always a fun time to form new relationships and visit with existing ones, as we get together to celebrate the Christmas season,” Brian said. “It is always a well-attended event, and I even believe Santa

Below: The staff at Centennial Bank gets to enjoy a view of the Guadalupe River behind their office. Right: Teller Alisyn Powers speaks with SVP- Kerrville Market President Brian Bowers at Centennial Bank.

6 BusinessLink • December 2018

Claus may have worked us into his schedule and may be making an appearance.” The chamber is a great source for the business community, according to Brian. “Not centennial bank kerrville does it strive to provide one voice for the business community, it also provides great networking opportunities and makes Kerrville a great place to own a business,” he said. “The chamber has further added events, such as the Hill Country Economic Summit that adds value by providing knowledge to the business community.” The biggest reward in the banking business, according to Brian, is helping individuals and businesses achieve their dreams. However, he said the biggest challenge is working in a highly regulated industry, where common sense doesn’t always win out. Centennial Bank and the management team strongly believe in providing one of the best company cultures that can discover online banking bonus found in the banking industry, Brian said. “The bank works to meet the needs of employees, not only financially, but by providing a work environment that allows each individual to excel,” Brian said. “We believe in equipping our employees with the tools they need, and then letting them do what they have been trained to do.” He is most proud of how the bank helps the employees, customers and communities win in business and life. The success of its employees, customers and communities is its measure of ambition and satisfaction, he said. “Your win is our why,” Brian said. “If you have ever read the book ‘Good to Great’ by Jim Collins, it talks about an employer having the right people on the bus. I can tell you that we have the right people on the Centennial bus, and that community

banking is not just what we do, but it’s who we are.” From the tellers to board of directors, they are committed to doing what is right for their customers and communities, he said. “There is no better part of what we do than helping our customers turn their ‘what ifs’ into ‘why nots,’” Brian said. “The countless customers we have helped with financing their dream homes for construction, permanent financing for their home centennial bank kerrville helping business owners achieve their dreams by meeting all of their banking needs from deposits to loans.” Centennial Bank offers all of its customers certificates of deposit, ambition savings, internet banking and bill pay, mobile banking and a fraud center. There are additional services offered for personal banking, including health savings and individual retirement accounts; business banking, including real estate and agricultural loans; and wealth management, including selecting a corporate fiduciary and trust services. Centennial Bank has two locations in Kerrville: 1145 Junction Highway and 207-C Sidney Baker South. The lobby at the Junction Highway location is open from 9 a.m. to 3 p.m. Mondays through Thursdays and from 9 a.m. to 5 p.m. Fridays, while the drive-through is open from 8 a.m. to 6 p.m. Mondays through Fridays. The lobby at the Sidney Baker location is open from 9 a.m. to 3 p.m. Mondays through Fridays, while the drive-through is open from 8 a.m. to 6 p.m. Mondays through Fridays and from 9 a.m. to noon Saturdays. For more information, call 830-896-5000 or visit

It’s all right here • 7

Volunteer Spotlight

Q&A with Kathy Lyles Q: What is your volunteer role and how long have you served in that role?

A: Since June 2015, I have served as the volunteer gardener at The

Coming King Sculpture Prayer Garden, keeping the garden groomed, sowing wildflower seeds and adding plants, etc.

Q: How has volunteering impacted or changed your life? A: I have met many wonderful people, including other volunteers, and I really feel like a part of my community.

Q: Centennial bank kerrville is volunteering both rewarding and challenging for you? A: As a Christian, we are taught to put others first; not only am I

Q: What other organizations do you volunteer with and for how long? obedient in my faith, but there is great joy in doing this. A: I have volunteered with the Kerrville Chapter of the Native Plant Q: What inspired you to start volunteering? Society of Texas for 17 years. I am also helping the City of Fredericksburg A: Serving others is an integral part of being a Christian. and the Pioneer Museum with landscaping projects. I have done volunteer alumni work for 12 years, finding and helping people Q: When not volunteering, where do you work or spend your time? reconnect with friends from our high school in Bogota, Colombia, A: I have developed about an acre and a half of the four acres where helping plan stateside reunions and keeping regular communications with more than 1,400 alumni from the classes of 1950-79.

we live, so keeping it groomed is a big job.

For more information on The Coming King Sculpture Prayer Garden, 520 Benson Drive, call 830-928-7774 or visit

Her favorite quote:

Let each of you look not only to his own interests, but also to the interests of others. 8 BusinessLink • December 2018

~ The apostle Paul in Philippians 2:4

Photo by Chelsea M.K. Stack

Get to Know

Welcome Gilberto Salinas to KEDC By Chelsea M.K. Stack


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895-2162 Superior Janitorial

















Gilberto “Gil” Salinas is the new chief operation officer of the Kerr Economic Development Corp. He plans to implement strategies for business and corporate growth in an array of sectors, which are tied to the recently launched Kerrville 2050 Comprehensive Plan. He currently serves as a board member of the International Economic Development Council and is a founding board member of the Bordernomics Alliance: Mexican and Americans Thinking Together. Previously, he served as the head of economic development for the BrownsvilleMatamoros Borderplex. Gil has worked with Space Exploration Technologies Corp., or SpaceX, and presented his story Salinas about the project in a TED Talk series at the 2017 IEDC Annual Conference in Toronto, Canada. He served a four-year term on the Texas Aerospace and Aviation Advisory Usps office open today in 2016. He also was rewarded the Development Counsellors International 40 Under 40 Rising Stars in Economic Development in the nation and was named the 2015 Distinguished Alumnus of Leadership Brownsville. Gil earned a bachelor’s degree in journalism from The University of Texas at Austin and a master’s degree in communication from The University of Texas–Pan American. In his free time, he plays protagonist roles in Texas-based productions, including “From Dusk Till Dawn,” and starred in “Queen of the South” on the USA Network.

Over a decade of professional service to the Hill Country 8575 Excellent references and free estimates Insured & Bonded

It’s all right here • 9

Left: Jenna Karkosky and Zach Anderson shop at East End Market. Right: Kate Howard-Marlow is the owner of East End Market.

in Kerrville

3 chamber member retailers offer holiday shopping opportunities By Nancy Foster Kerrville has an exciting vibe at holiday time. The courthouse and downtown are decked in finery; social calendars are packed with holiday plays, musicals and special events; and shops are laden with fabulous wares and seasonal gifts. The chore of holiday shopping is fun and painless in Kerrville, and the movement to

10 BusinessLink • December 2018

Photos by Tom Holden

Shop local

Photos by Nancy Foster. Plane photo by Tom Holden

“shop local” is made easy with tried and true retailers, a multi-stop shopping mall, big box stores and recently-opened specialty shops and boutiques. The Kerrville Area Chamber of Commerce lists more than 50 retailers among its members. “Kerrville is the commercial hub of the Hill Country. Our various retail establishments serve over 100,000 customers on a regular basis,” said Chamber President/CEO Walt Koenig. “We continue our work to build Kerrville’s retail capacity by bringing more world-class companies to our community, while encouraging residents and visitors to patronize our existing local businesses.” Shopping locations are plentiful. Downtown Kerrville is a pleasant spot for one-stop shopping and a great place to start. Park the car and browse through gift, clothing, book, antiques and children’s stores, as well as galleries. Buy a cultural experience with fabulous play or concert tickets and take a break long enough to enjoy a tasty lunch. Look beyond downtown to garden centers, museums and specialty shops; head to the flagship store of James Avery Craftsman; or buy gift cards to just about anywhere, including restaurants. The choices are endless, merchants are friendly and some retailers even wrap and ship for a nominal fee. Three popular retailers offer holiday shopping opportunities and explain how the chamber plays a role in their success. Remember to patronize area chamber

members for all holiday needs.

East End Market One of the trendiest shops to hit Kerrville this year is East End Market, 1712 Water St. Open since Aug. 21, this 8,000-square-foot retail store, formerly the Kerr Crafters Warehouse, currently houses the merchandise of 10 vendors who sell wares predated to 1990 or earlier. Items on display during my visit included vintage jeans and other attire, furniture, art, home décor and collectible signs. Owner Kate Howard-Marlow said she chose this location “because it’s an area that lacked life, and I wanted to be a part of revitalizing this part of town.” Her vision — and that of her parents who are investors in the River Trail Cottages across the street and nearby Monroe’s East End Grill — is to improve this section of Kerrville. Kate said she wants customers to think of her shop for unique, uncommon items. She uses her background in interior design and special effects to perfect advantage. The brightly-lit retail area has been fitted with repurposed and recycled original materials

It’s all right here • 11

wherever possible, and the inviting interior is enticing, well-appointed and welcoming. For Kate, being part of the chamber offers great networking opportunities, and she is very involved with the Young Professionals Forum. “I see them having a like mind for Kerrville to grow and be a place for people of all ages to enjoy,” she said. Many people discover East End Market by chance, but word of mouth is attracting more and more people from Kerrville and beyond. As holiday time approaches, East End Market can be looked at as a charming and enjoyable place to shop. For more information, call 830-955-5882 or visit

Billy’s Western Wear Photos courtesy of Billy’s Western Wear

Since 2007, Billy’s Western Wear, 1731 Sidney Baker St., has catered to Hill Country shoppers looking for fashionable western looks, hats, books and home décor gifts. This family-owned and operated business is co-owned by the store’s originator, Billy Bishop; his wife, Sarah; what is the routing number for first interstate bank their daughter and son-in-law, Debbie and Greg White. Located in front of The Home Depot parking lot, Billy’s is the go-to place for the best brands, styles and selections available in the industry. Greg notes the convenience of 24/7 online shopping and their popular gift cards never expire. “Being a part centennial bank kerrville the Kerrville Chamber of Commerce has proven to be a significant force in our business,” Greg said. “They represent the voice of businessmen and women,

12 BusinessLink • December 2018

Photos by Tom Holden

offer a rich network and provide promotions and support for businesses big and small.” For more information, call 830-257-0505 or visit

Cover story Shop local

Baublit’s Jewelers A downtown fixture for years, Baublit’s Jewelers, 719 Water St., is the place to go for quality gems and jewelry for that special someone on the shopping list. It offers a complete jewelry inventory of gold, silver, diamond, colored gemstones and pearls, in addition to unique finds, such as vintage wrist watches and antique pocket watches. It also enjoys a brisk business in jewelry remodeling, as well as watch and jewelry repair. The store in itself is a fascinating step back in time. Originally built in 1929 as office space for the adjacent Arcadia Theater, it features pressed tin ceilings, original Mexican tile flooring and a wall of historic local photographs. Owners Dayton and La Verne Baublit, along with their daughter and office manager Amy Jones, love being part of the downtown business location. “We have been serving Kerrville for three generations since my dad, Philip Baublit, opened on Earl Garrett Street in 1970,” Dayton said with pride. “We provide excellent customer service that keeps our clientele coming back. As long-standing members of the chamber, we look to them to keep us informed of local business issues.” When asked about holiday shopping tips, the Baublits all agreed that trending right now are big and bold fashion watches, as well as any jewelry in the everpopular white gold and silver. For more information, call 830-257-8317. Below: Amy Jones with her father, Dayton Baublit, at Baublit’s Jewelers. Left: Greg and Debbie White with Sarah and Billy Bishop, owners of Billy’s Western Wear.

It’s all right here • 13

Leadership & EDUCATION Leadership Kerr County

Q: Where in the world was LKC in November?

A: Learning about our educators on Education Day

Photo and story by Michael Anglin On Tuesday, Nov. 13, Leadership Kerr County Class No. 34 gathered at Schreiner University to start the cold day with plenty of coffee and meet several of the higher education professionals in Kerrville. The morning speakers included Shawna Fahrenthold of Alamo Colleges District’s Greater Kerrville Center, as well as Dr. Mark Woodhull and Dr. Diana Commuzzie of Schreiner University. Plenty of information and questions were exchanged before the class headed off to Tivy High School for a fantastic lunch prepared by the Tivy High School culinary arts students and sponsored by Justin Hamilton of State Farm. The second half of Education Day was in the Tivy High School auditorium, where they were joined by representatives of Kerr County schools. The afternoon speakers were comprised of Steve Schwarz of Hill Country High School, Shelby Balser of Tivy High School and Justin

14 BusinessLink • December 2018

Crittenden of Ingram Tom Moore High School, followed by the superintendent panel which included Dr. Mark Faust of Kerrville Independent School District and Luci Harmon of Hunt ISD, then Laurie Rees represented KISD mentoring at the end of the day. The next LKC class is Dec. 11 for Local Government Day. Keep an eye out for LKC Class No. 34 and their blue shirts, as they tour the area each month, learning more about Kerrville and the great people that keep it running.

About LKC

The Leadership Kerr County program is offered through the Kerrville Area Chamber of Commerce. LKC class members grow as leaders and learn what Kerr County is really all about during their monthly classes every third Tuesday. For more information, visit or call chamber membership director Angela North at 830-896-1155.

Courtesy photo

Leadership & EDUCATION


November CoffeeTalk in review By Nancy Foster On Nov. 6, Denise LeMeilleur, co-owner of LeMeilleur’s RV-Truck and Equipment Repair Co., presented an engaging CoffeeTalk presentation on policies every mom and pop store’s needs. Denise, who has an extensive background in business and marketing and is the company’s safety manager, placed heavy emphasis on the importance of having an employee manual LeMeilleur to enable employees to know the rules of the game about what is expected of them. Among the many important components recommended for the manual were policies on anti-harassment, workplace discrimination, leave of absence and vacation, social media and cellphone usage, as well as procedures relating to local, state and federal workplace regulations.

WHEREAS, For 100 years, the Garrett Insurance Agency has provided it’s clients with exemplary service, and it is truly fitting that this family-owned business receive special recognition at this milestone in it’s history; now, therefore, be it

Quarter Page

PROCLAIMED, That the Senate of the State of Texas hereby commend the owner, management, and staff of Garrett Insurance Agency, Incorporated, on their commitment to high standards and quality service and extend to them best wishes on the occasion of the agency’s 100th anniversary;

Garret Insurance

100 years and counting Excellence Achieved and continues

What’s Brewing

We are still looking for CoffeeTalk presenters for 2019. Look for details on future CoffeeTalks in the next issue of BusinessLink.

About CoffeeTalks

CoffeeTalks are generally on the first Tuesday of every month, excluding the summer, from 8 to 9 a.m. at the chamber office. Are you a chamber member with a topic to share? Contact Angela North at [email protected] or 830-896-1155.

Stephen, Dawn Buckingham, Caleb and Bob Schmerbeck

Insurance Excellence since 1918

212 Sidney Baker South FAX: 830-896-1175

Centennial Bank, Centennial bank kerrville Get directions: Centennial Bank


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Christmas Ladies Night Out


Saturday 29 21 Republican Women of Family Free Day 10 a.m.–4 p.m.

5:30-7:30 p.m.

Downtown Kerrville

Zion Lutheran Church, 624 Barnett St.

centennial bank kerrville


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