Texas Heritage National Bank
Ralph Kramer has extensive experience in the banking industry, currently serving as the Executive Vice President and Chief Credit Officer at Texas Heritage National Bank since December 2024. Prior to this role, Ralph held similar positions as EVP and Chief Credit Officer at Southwestern National Bank and SVP at TransPecos Banks, SSB. Ralph's career in credit management also includes significant roles at Icon Bank of Texas, N.A., and Small Business Loan Source. Ralph earned a Bachelor of Science in Economics from Texas A&M University, completing the degree in January 1988.
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Texas Heritage National Bank
Texas Heritage has operated continuously since its commencement in 1889, weathering both the Great Depression and the Banking Crisis of the 1980s. We are headquartered in Daingerfield, Texas which is the 4th oldest town in Texas and located in the beautiful piney woods of Northeast Texas. Since then we have grown in numerous locations, size, assets and customer care. Our number one goal is to ensure we serve our communities as efficient as possible. While exceeding in customer care, we also offer a full array of banking solutions for individuals and businesses such as, commercial banking, business banking, small business lending, online banking products and more. Here at Texas Heritage we are dedicated to serving our customers.