Patrick Howard

Pat Howard currently serves as Chief Operating Officer and Director of Tectonic Financial, as well as Chief Executive Officer and Director of T Bank, NA. He joined the bank in 2007 as Director, Executive Vice President and Chief Operating Officer and was named President and Chief Executive Officer in 2010. Under his leadership, the bank has become one of the top SBA lenders in the nation and consistently outperformed revenue targets.

As Tectonic's Chief Operating Officer, Pat is responsible for turning strategy into operational and financial success. Though data-driven, Pat recognizes that efficient and high-quality customer service ultimately impacts a company’s bottom line. He has made personalized service and innovation an intrinsic part of the firm's strategy and culture.

Prior to T Bank, Pat served as the Executive Vice President and Chief Operating Officer of a $2.2 billion savings bank headquartered in Denver, Colorado. His responsibilities included management of bank operations, retail branch operations, mortgage servicing and loan operations, compliance and business and strategic planning, as well as serving on the board of directors.

Pat started his banking career in 1986 in San Antonio, Texas. He is an honors graduate of the University of Texas at San Antonio, where he earned a Bachelor of Business Administration degree in finance.