Margaret (Molly) Curl

Public Member

Margaret (Molly) Curl of Richardson is a retired partner with Grant Thornton LLP. Prior to that, she was part of the senior management team for entities controlled by Beal Financial Corporation. Curl began her career with the Office of the Comptroller of the Currency in Chicago and Dallas, as a national bank examiner.  She is on the board of Guaranty Bancshares, Inc. (Parent company of Guaranty Bank & Trust NA headquartered in Mt. Pleasant). Curl is also on the board of First National Bank of America in East Lansing, Michigan.

Hector J. Cerna

Banking Member

Hector J. Cerna is President and CEO of IBC Bank in the Eagle Pass region. He has worked in the Texas banking industry for over 25 years. Cerna currently serves as a board member of the Border Trade Alliance, first vice president of the Maverick County Development Corporation, member of the Eagle Pass Chamber of Commerce and member of the Texas Bankers Association. He is also involved in his community as chairman of the Diocese of Laredo Finance Council and board member of OMNIA Casa del Nino.

Lori B. McCool

Public Member

Lori B. McCool is a member of the State Bar of Texas and Texas Society of Certified Public Accountants. She is a director and audit chair of the Marine Spill Response Corporation.

Mrs. McCool has served on the Texas Financial Education Endowment (TFEE) grant committee since the inception of the Endowment. She received bachelor’s degrees from Texas Tech University and the University of North Texas, and a law degree from Baylor University.