ABA Banking Journal
No Result
View All Result
  • Topics
    • Ag Banking
    • Commercial Lending
    • Community Banking
    • Compliance and Risk
    • Cybersecurity
    • Economy
    • Human Resources
    • Insurance
    • Legal
    • Mortgage
    • Mutual Funds
    • Payments
    • Policy
    • Retail and Marketing
    • Tax and Accounting
    • Technology
    • Wealth Management
  • Newsbytes
  • Podcasts
  • Magazine
    • Subscribe
    • Advertise
    • Magazine Archive
    • Newsletter Archive
    • Podcast Archive
    • Sponsored Content Archive
SUBSCRIBE
ABA Banking Journal
  • Topics
    • Ag Banking
    • Commercial Lending
    • Community Banking
    • Compliance and Risk
    • Cybersecurity
    • Economy
    • Human Resources
    • Insurance
    • Legal
    • Mortgage
    • Mutual Funds
    • Payments
    • Policy
    • Retail and Marketing
    • Tax and Accounting
    • Technology
    • Wealth Management
  • Newsbytes
  • Podcasts
  • Magazine
    • Subscribe
    • Advertise
    • Magazine Archive
    • Newsletter Archive
    • Podcast Archive
    • Sponsored Content Archive
No Result
View All Result
No Result
View All Result
ADVERTISEMENT
Home ABA Banking Journal Podcast

Podcast: Growing a Bank Amid the Ups and Downs of Oil

May 1, 2019
Reading Time: 1 min read
Podcast: Growing a Bank Amid the Ups and Downs of Oil

“If you’re in Midland, Texas, you’re in the oil business,” says Jay Isaacs. “It doesn’t matter if you have a doughnut shop or a dry cleaners.” Isaacs is president of Midland-based FirstCapital Bank of Texas, and on the latest episode of the ABA Banking Journal Podcast, he talks about how his bank manages the unique challenges and opportunities faced by banks in the oil patch.

While no more than 14% of the bank’s portfolio is directly in oil and gas, most businesses and consumers in the Permian Basin are in some way affected by swings in oil prices and production. Isaacs says FirstCapital Bank focuses on lending to independent oil and gas producers, which he describes as safer than lending to drilling companies and oilfield services, which are often the first hit when prices drop. He also talks about how customers’ oil and gas-related business deals can result in large cash flows in and out of the bank, requiring higher liquidity levels.

Isaacs also discusses FirstCapital Bank’s recent entry into new markets in Texas — Horseshoe Bay, Wichita Falls and Dallas — via M&A and de novo strategies, as well as its workplace culture and expansion in mortgage lending.

If you can’t see the audio player above, click here to listen to this week’s episode.

In this episode:

Jay Isaacs
President
FirstCapital Bank of Texas
Monica C. Meinert
Deputy Editor
ABA Banking Journal
Shaun Kern
Senior Counsel
ABA

ADVERTISEMENT
Tags: ABA Banking Journal PodcastMergers and acquisitionsOil and gasRisk management
ShareTweetPin

Related Posts

Existing home sales fell 2.5% in August

HUD rescinds several regulatory requirements for FHA-backed mortgages

Mortgage
July 1, 2025

In a move intended to reduce the cost of homeownership and eliminate unnecessary burden, HUD recently rescinded more than a dozen regulatory requirements in FHA's single-family mortgage insurance program.

Chair’s View: Celebrating a century of giving back

Chair’s View: Celebrating a century of giving back

Community Banking
July 1, 2025

Not only do we celebrate the 150th anniversary of our organization, we also commemorate an important milestone for the ABA Foundation.

Research finds finance industry leads in corporate social responsibility

Research finds finance industry leads in corporate social responsibility

Community Banking
June 27, 2025

Financial institutions are at the forefront in volunteering engagement at 22.2%, nearly a 50% increase from 2023.

Mortgage rates fall

Mortgage rates decrease

Economy
June 26, 2025

The rate for a 30-year fixed-rate mortgage was 6.77% this week. The rate for a 15-year fixed-rate mortgage was 5.89%.

OCC seeks comment on digitalization challenges for community banks

ABA offers recommendations to boost community bank digitalization

Community Banking
June 26, 2025

The OCC should proactively support responsible community bank digitalization through transparency, information sharing and meaningful dialogue with stakeholders, ABA said.

Report: GSE foreclosure prevention actions decrease in Q2 2024

Report: GSE foreclosure prevention actions increase in Q1 2025

Mortgage
June 26, 2025

According to the report, Fannie Mae and Freddie Mac completed 60,592 foreclosure prevention actions during the quarter.

NEWSBYTES

ABA survey: Most banks likely to stick with current core provider

July 2, 2025

Study: U.S. retail bank customers’ financial health declines

July 2, 2025

Survey: California, Texas cities lead in credit card delinquencies

July 2, 2025

SPONSORED CONTENT

Navigating Disruption in Ag Lending – Why Tariffs Are Just the Tip of the Iceberg

Navigating Disruption in Ag Lending – Why Tariffs Are Just the Tip of the Iceberg

July 1, 2025
AI Compliance and Regulation: What Financial Institutions Need to Know

Unlocking Deposit Growth: How Financial Institutions Can Activate Data for Precision Cross-Sell

June 1, 2025
Choosing the Right Account Opening Platform: 10 Key Considerations for Long-Term Success

Choosing the Right Account Opening Platform: 10 Key Considerations for Long-Term Success

April 25, 2025
Outsourcing: Getting to Go/No-Go

Outsourcing: Getting to Go/No-Go

April 5, 2025

PODCASTS

Podcast: Inside ABA’s new Treasury Check Verification System API

June 25, 2025

Podcast: Staying close to clients amid tariff-driven volatility

June 18, 2025

Podcast: Old National’s Jim Ryan on the things that really matter

June 12, 2025
ADVERTISEMENT

American Bankers Association
1333 New Hampshire Ave NW
Washington, DC 20036
1-800-BANKERS (800-226-5377)
www.aba.com
About ABA
Privacy Policy
Contact ABA

ABA Banking Journal
About ABA Banking Journal
Media Kit
Advertising
Subscribe

© 2025 American Bankers Association. All rights reserved.

No Result
View All Result
  • Topics
    • Ag Banking
    • Commercial Lending
    • Community Banking
    • Compliance and Risk
    • Cybersecurity
    • Economy
    • Human Resources
    • Insurance
    • Legal
    • Mortgage
    • Mutual Funds
    • Payments
    • Policy
    • Retail and Marketing
    • Tax and Accounting
    • Technology
    • Wealth Management
  • Newsbytes
  • Podcasts
  • Magazine
    • Subscribe
    • Advertise
    • Magazine Archive
    • Newsletter Archive
    • Podcast Archive
    • Sponsored Content Archive

© 2025 American Bankers Association. All rights reserved.