The National Bank of Central Texas

The National Bank of Central Texas — legal name National Bank, doing business as The National Bank(s) of Central Texas — is a community bank headquartered at 905 Main Street, Gatesville, Texas, in Coryell County. It was chartered on August 21, 1889, as The First National Bank of Gatesville, was renamed The National Bank of Gatesville (1938) and then National Bank (1990). It is FDIC-insured (certificate no. 3214), OCC-supervised, and was wholly owned by the single-bank holding company National United Bancshares, Inc. as of 2011, the most recent ownership detail I could verify. FDIC-based sources list total assets around $597 million (roughly $600M band). The institution renamed itself National United in January 2017 and merged into BancorpSouth Bank on May 1, 2021; the combined bank was renamed Cadence Bank in October 2021, now part of Huntington Bancshares.

Its operations are conventional community/commercial banking across Central Texas: personal checking and savings (branded accounts such as Premier Banclub and Gold Plus), certificates of deposit and IRAs; commercial checking, lockbox, merchant capture, account sweeps and debit cards; and commercial, consumer, residential mortgage, and agricultural lending, plus a mortgage center in Killeen. Branch networks have included Gatesville, Killeen, Copperas Cove, Kempner, Lampasas, Hewitt, and Waco. Investment/insurance products were offered through a third-party broker-dealer.

Its litigation posture is that of an operating company responding defensively, not a patent plaintiff. The single tracked case, The National Bank of Central Texas v. Plano Encryption Technologies LLC (No. 6:15-cv-00249, W.D. Tex., filed Aug. 28, 2015), was a declaratory-judgment action for non-infringement filed after the non-practicing entity Plano Encryption Technologies (PET) sent cease-and-desist letters accusing the bank's online/mobile banking products of infringement. PET asserted financial-services encryption patents and sued numerous Texas banks, mostly in the Eastern District of Texas; Jack Henry & Associates, the banks' software vendor, indemnified similarly accused banks. The W.D. Tex. case was dismissed with prejudice in November 2015 by joint motion, with each side bearing its own costs.