Board of Directors
CHAIRMAN & CHIEF EXECUTIVE OFFICER
Jeff founded Keystone Bank with more than 28 years of experience as a financial industry/business generalist with a depth of expertise in finance and business development. A former CPA and CFO, Jeff previously started Pioneer Bank in Dripping Springs, Texas. Under his leadership as Founding President, CEO and Director, the bank grew from $9 million in initial capitalization to $1.2 billion in total assets with 22 locations across Texas. Jeff currently serves on the Independent Bankers Association of Texas Services Board.
Johnny is a life-long Texan and attorney with 29 years of practice experience. He combines his broad range of professional skills with a commitment to the type of integrity and hard work that built Keystone Bank. He is currently with the law firm of Hajjar Peters LLP based in Austin and Amarillo where he represents individuals and all types of business entities in acquisitions and development transactions. He and his wife, DeNise, are active members of Austin Ridge Bible Church. Johnny attended Texas Tech University for both his bachelors and his law degree.
Myles is a serial entrepreneur and investor having started his first company when he was 23. Myles typically invests in five opportunities annually and currently has investments in the U.S., London and France. He is the Founder and Chairman of the Board of two InsTech companies, Chairman of the Board of Design Basics, Founder and Board Member of San Luis Spirits and FLoShield as well as a Board Member of Workify. Myles and his wife, Terrell, have been married for 33 years and have three grown children, all of whom have started their own companies.
Brent M. Giles is the President and Chief Executive Officer of Liberty Bancorp Inc. and BankLiberty. Prior to joining BankLiberty, Mr. Giles was President of Lawson Bank, Lawson, Missouri and Vice President of UMB Bank, Kansas City, Missouri. Brent received his bachelor’s degree in Banking and Finance and his MBA all from the University of Missouri.
Ben Mackovak is the Co-Founder and Managing Member of Strategic Value Bank Partners, an investment partnership specializing in community banks. Ben has served as a director for community banks throughout the country. Ben holds an MBA from the University of Virginia’s Darden Graduate School of Business and a bachelor’s degree from Kent State University, where he graduated magna cum laude.
Clint founded the successful Greenleaf Book Group after writing his own book, and helping friends publish their books. He has since founded Moonshot, HomePlate Peanut Butter™, Tree Neutral, Bambino Balls and Pigs and Bricks, LLC. He also, blogs for Inc.com and CNN Money. Clint is a regular guest host on Fox Business Network and has been featured in The Wall Street Journal, Inc. magazine, Fox, CNBC, CNN, MSNBC, Money magazine, Men's Health, Forbes and Entrepreneur, among others.
Bryan St. George
Bryan joined Keystone Bank as President with nearly 15 years of industry experience. As an Executive Vice President, he was instrumental in growing Pioneer Bank’s assets to more than $1B. Bryan got his start in the industry by launching his own mortgage company that provided lending services throughout Texas and the Southwest. He also serves as a director at an insurance technology company in Austin, Texas. Bryan, his wife and two young children live in Central Austin.
EXECUTIVE VICE PRESIDENT & CHIEF OPERATIONS OFFICER
Mark is a community banker with more 40 years of experience in all aspects of banking. Most recently serving as Senior Vice President with the Independent Bankers Association of Texas, Mark has also held executive positions at community banks across Texas and New Mexico. Mark is a graduate of the Texas Tech School of Banking, the School for Bank Administration at the University of Wisconsin and the Graduate School of Banking at the University of Colorado.
EXECUTIVE VICE PRESIDENT & CHIEF FINANCIAL OFFICER
Chris joined Keystone Bank with 12 years of experience in the industry including multiple mergers and acquisitions. Chris earned his Bachelor of Business Administration and Master of Public Accounting degrees from the University of Texas at Austin in 2001 and achieved his CPA certification in 2005. Since then, he has served as CFO and Controller for two other banks in Texas. Chris and his wife, Sandy, have two young boys, Austin and Zach.
Dustin A. Wells
EXECUTIVE VICE PRESIDENT & MORTGAGE DIRECTOR
Dustin is an experienced mortgage banker with 21 years of management and leadership positions in the industry. After launching the mortgage division for several organizations, including IBC Bank in Austin, Dustin was tapped to do the very same thing for Keystone Bank. Dustin earned his bachelor’s degree in pre-Law from The University of Pittsburgh and went on to successfully complete the Dale Carnegie Leadership Training for Managers Program. He is involved with the national and local chapter of the Mortgage Bankers Association and served on the Home Equity Committee for the Consumer Bankers Association. Dustin enjoys coaching his son's baseball team and spending time on the lake with his family.
SENIOR VICE PRESIDENT — CREDIT
Riley has 18 years of banking experience and was part of Jeff Wilkinson’s team prior to joining Keystone Bank. The vast majority of Riley’s career has been on the credit side of the bank. In his current role, Riley oversees credit administration, underwriting and loan review. He graduated from University of Nevada at Las Vegas with a bachelor’s degree and went on to complete the Southwest Graduate School of Banking at Southern Methodist University.
SENIOR VICE PRESIDENT — COMMERCIAL LENDING
Sean brings more than 17 years of commercial lending, underwriting and analyst experience to Keystone Bank, having served as Regional Credit Officer and Portfolio Manager for BB&T in multiple markets across the country. Sean mentored teams of lenders and underwriters before joining Keystone Bank. Sean received his bachelor’s degree in finance from West Virginia University and attended the Banking School at Wake Forrest University. He and his wife, Andrea, have two daughters that love living in the Texas Hill Country.
Ryan has spent 5 years in multiple positions working his way up the banking industry—most recently as a lender for Ballinger National Bank. He graduated with a bachelor’s degree from Southwest Texas State University and has also attended the IBAT Bank Lending Institute and the TBA Real Estate Lending School.
AUSTIN MARKET PRESIDENT
Paul has spent 37 years as a commercial lender, primarily focused on commercial real estate. He served as the Austin Market President for Green Bank for 6 years before its Austin branch was acquired by Keystone Bank in 2019. Paul earned his bachelor’s degree in finance from the University of Texas in Austin. Paul, his wife, three children and three grandchildren live in Austin and enjoy travelling and spending time on Lake Travis. As a trained dental technician, Paul volunteers with Manos de Christo, a non-profit that provides dental services to more than 25,000 low-income patients in Austin ever year.
BALLINGER MARKET PRESIDENT
After graduating from Texas Tech University with a bachelor’s degree in Finance in 1974, Phillip began his career in banking at Federal Reserve Bank of Dallas as an examiner. After 3 years, he moved to First National Bank of Rotan in Texas working in operations. In 1997, Phillip’s family organized Ballinger National Bank in Ballinger, Texas. They sold the bank to Keystone Banchsares, Inc. in October 2018.
VICE PRESIDENT — OPERATIONS
Susie brings 12 years of operational expertise to Keystone Bank having held positions in compliance, internal audit, call center operations and consumer and mortgage lending operations. Susie has held a key role in Keystone’s recent acquisitions and technology upgrades. She earned her bachelor’s degree from Texas State University and a master’s degree from Jacksonville State University.
Eloise began her banking career with Ballinger National Bank in 2007 as a teller. She quickly advanced to proof operator and data processing. Over time she would help with cashier and compliance duties and eventually would transition to oversee all of those functions within the Bank. Currently, Eloise serves as the Cashier and BSA officer for Keystone Bank. She enjoys spending time with her family and with the Ballinger community.
VICE PRESIDENT — TREASURY MANAGEMENT
Kristin worked her way up in the Austin banking industry with 8 years of experience, starting as a teller and eventually helping launch their treasury management department. She is a graduate of the University of Arkansas at Fort Smith with a degree in Business Administration. She and her husband and daughter live in South Austin. They enjoy bay fishing.