Banking on Integrity

You can measure a bank in assets. Or you can measure it in the people who trust you with their next step. Hazem and Mack mark Integrity Bank’s two-year anniversary with a candid conversation about building a community bank from the ground up, approaching $400 million in assets, and earning the trust of customers through referrals and relationships. They discuss interest rates, bank consolida...

A normal scan does not always mean a brain is okay. Hazem and Mack sit down with Bishoi Attia and Michael Darrow of Brain Injury Blood Test, also known as Head Got Hurt, to explore how blood biomarkers may help identify traumatic brain injury after car accidents, concussions, and other impacts that do not always show up on traditional imaging. Bishoi shares the personal experience that drew him to...

A family business can become your future faster than you ever planned. Hazem and Mack sit down with Fred Leonard, longtime leader of Val-Tex, to hear how he stepped into his father’s struggling valve lubricant and sealant company, lost his father just a few years later, and spent decades rebuilding the business one customer and one carton at a time. Fred shares what community banking meant w...

Hazem and Mack close out season two by revisiting Houston restaurant families and the bankers who helped build Integrity Bank. From Mama Ninfa’s tortilla and pizza factory to the new Integrity team, they highlight how family, work ethic, and community banking together create gathering places for a growing city. To learn more about Integrity Bank, go to itx.bank . Subscribe to Banking on...

Hazem sits down with Integrity Bank CFO Betsy Reese to unpack what makes a bank financially strong and how small business owners can read the signals. Betsy shares her journey from first‑generation immigrant and deposit ops clerk to lender, CPA‑track accountant, and Rice MBA graduate leading the bank’s financial health and safety. To learn more about Integrity Bank, go to itx.bank . Sub...

Booms can make you careless. Busts can teach you how you never want to run a business again. Hazem and Mack sit down with Wade Comeaux, CEO of Catalyst Funding, a Houston-based lender focused on real estate investors, to talk about what he learned from the pre‑crisis mortgage world and why he built his company to behave differently. Wade shares how government pressure, exotic loan products, a...

Dreams can stay on the track. Or they can turn into something you stand on every day. Hazem and Mack speak with Tyler Strothman, collegiate distance runner and founder of Veloci, a performance running shoe company he started while at Rice University. Tyler shares how small town miles, sport management classes, and a simple desire to keep people comfortable and pain free led him to launch a brand f...

Risk can sink a bank. Or it can push you to get radically clear about what you say yes to, and why. Hazem and Mack unpack how they actually look at loan requests at Integrity Bank, sharing stories that span decades of community banking, from a borrower whose partner emptied the account to a wealthy client who hadn’t paid down principal in three years. They talk through the tension between gr...

Grief can break you. Or it can show you exactly what you were always meant to do. Hazem and Mack sit down with Jackie Pham, founder of the CEO Foundation, a Houston nonprofit named after her three children, Colette, Edison, and Olivia, who were lost along with her mother in a tragic accident five and a half years ago. Jackie shares how a career in corporate finance and an MBA from Rice gave her th...

Hazem and Mack sit down with Integrity Bank Chief Credit Officer Chris Favre, who once left a consulting career at Ernst and Young for an industry he barely understood at the time. What followed was a front-row seat to the 2008 recession, years of overseeing foreclosures, and a pivot from lender to the person who stress-tests every deal before it goes to committee. This episode covers what a chief...

Hazem and Mack sit down with Mark Danford, Managing Director of Waterstone and a 14-year veteran of SBA lending. Waterstone is a full-service outsourced SBA division serving 34 community banks across the country, and Mark is the person who knows how it all works. In this episode they cover how the SBA loan guarantee program actually functions, why Houston did $1.1 billion in guaranteed loans in 20...

The best defense against fraud is the person who already knows your name. Hazem and Mack sit down with Integrity Bank Chief Risk Officer Christy Bussey, just steps from her office, to unpack what it really means to manage risk inside a community bank, covering the evolution of fraud from card skimming to AI voice cloning, why seniors and lonely individuals are the most targeted, how social media o...

The best bankers don't just lend money. They help build lives. Hazem and Mack sit down with Integrity Bank Chief Lending Officer and founding team member Judy Budnik to trace a 40-year banking career that began next door to a small-town Louisiana bank president, wound through Frost Bank, a wedding-day job offer, and Houston National Bank, and ultimately came full circle at Integrity Bank, explorin...

Justice is built one relationship at a time. Hazem and Mack sit down with Houston immigration attorney and Mendez Law Office founder Matthew Mendez. They trace how a middle-class upbringing, a mentor-driven pivot into immigration law, and an entrepreneurial spark ignited by his father-in-law led to building a 41-person firm in one of the country's most competitive legal markets, exploring faith in...

Second acts can redefine a family. Hazem and Mack sit with Houston native and El Tiempo Cantina Executive Chef and President Domenic Laurenzo, grandson of Mama Ninfa, to trace how a Tex‑Mex legacy, bankruptcy, and a detour into professional golf led to building El Tiempo, exploring faith, design, risk, and what it takes to lead a thousand‑person restaurant family in Houston today. Learn more about...

Legacy starts at the table. Hazem and Mack walk with longtime Houston restaurateur Phyllis Mandola, daughter of Tex‑Mex pioneer Mama Ninfa, through their family’s journey from political exile and a tortilla and pizza factory to Ninfa’s, seafood concepts, and El Tiempo, exploring neighborhood change, grief, generosity, and how hospitality and education continue her mother’s impact...

Family changes everything. Hazem and Mack sit down with Bryan Hucke and his daughter Reagan to trace an 18 year run of a Huynh Restaurant in EaDo, the shock of eminent domain, the realities of Houston’s restaurant economics, and how ownership, education, and hospitality shape the next chapter for their business and their lives. Learn more about Huynh Restaurant here . To learn more about Int...

Relationships outlast trends. Hazem and Mack talk with Jayne Edison of OFI about growing a furniture business on loyalty and referrals, a 27‑year banking relationship that started on day one, navigating the Stanford Financial collapse, and how Houston’s “big city, small town” feel shapes her approach to risk, giving back, and big opportunities. Learn more about Office Furniture I...

Banking is changing. Hazem and Mack sit down with Banpay Group’s Fernando Ibarra to explore how a Mexico‑born digital bank serves global small and mid‑sized businesses, why Banpay treats payments as seriously as lending, and how focus, culture, and 24/7 access help it compete with the world’s largest financial institutions. Learn more about Banpay here . To learn more about Integrity B...

Entrepreneurship takes time. Hazem and Mack talk with David Hatcher about turning a high school dream into a major chemical company, why he left engineering to learn sales and finance, and how Houston rewards integrity, grit, and steady, decades‑long effort more than quick wins or flashy ideas. To learn more about Integrity Bank, go to itx.bank . Subscribe to Banking on Integrity on Apple Podcasts...

Hazem Ahmed and Mack Neff sit down with longtime friend and mentor Paul Nick to trace an extraordinary life spanning wartime service, aviation, and a distinguished insurance career. Paul recounts his early years between New Orleans and Southern California during World War II, the culture shock of segregated buses in New Orleans, and the dyslexia that made academics difficult. He explains how colle...

Entrepreneur Markus Nassar joins Hazem and Mack to share his journey from a multicultural upbringing and international travel business to building a multi unit Jimmy John’s empire in Texas. From Jordan and Germany to Boston and Dubai, Markus traces his path through a family travel company that expanded across several countries before he sold it after 9/11 due to extreme volatility. He explai...

President and CEO of the Greater Houston YMCA , Stephen Ives, joins Hazem and Mack to explore how the Y strengthens community far beyond treadmills and weight rooms. From youth sports and senior programs to refugee resettlement and anti human trafficking work, Stephen shares how 175 locations across Greater Houston are building belonging, connection, and opportunity. He explains why only a fractio...

How did Jimmy Baba's early experiences in his family's business influence his entrepreneurial journey? In this episode, hosts Hazem Ahmed and Mack Neff chat with Jimmy Baba, board member and entrepreneur. Jimmy shares his journey from working in his father's liquor stores to opening a deli chain in Houston. He reflects on the people skills learned during his youth and how these experiences shaped...

What inspires someone to prioritize community engagement and education advocacy? Eric Calderon, a board member of Integrity Bank, shares his journey, emphasizing education's role in creating opportunities. Raised by a police officer and a school teacher, he reflects on a family that valued community roots. After completing engineering at Texas A&M, he pursued an entrepreneurial path post-busin...