Gil Hodges

President and Chief Lending Officer at First Lockhart Bank, where I help lead all facets of the organization alongside our CEO, including strategy, lending, growth initiatives, and community engagement. I bring a relationship-driven approach to community banking, with deep experience in commercial real estate lending, portfolio mortgage products, and market expansion. Throughout my career, I’ve focused on building strong teams, maintaining disciplined credit standards, and positioning the bank for long-term, sustainable growth. My leadership philosophy centers on accountability, service, and consistency—doing the right thing for our customers, our employees, and the communities we serve. As President, my focus is on strengthening our core markets, expanding into new communities, growing deposits, and ensuring First Lockhart Bank continues to operate as a trusted, independent community bank. Proud to work alongside a talented team and committed to helping our customers, partners, and communities succeed.

As Chief Lending Officer at First Lockhart National Bank, I am honored to play a key role in shaping the financial success of our clients and the growth of our community. With over a decade of experience in lending and financial services, my mission is to foster meaningful relationships, deliver tailored financial solutions, and support the aspirations of businesses and individuals alike. I oversee a dedicated team of lending professionals, ensuring we meet the diverse needs of our clients—from small business owners and entrepreneurs to families building their future. By focusing on personalized service, sound credit practices, and strategic partnerships, I aim to make a lasting impact on our local economy and the people we serve. At the heart of my work is a belief in the power of community banking to create opportunities, empower dreams, and drive sustainable growth. Let’s connect to explore how we can work together to achieve your financial goals.

Provide financing for the San Marcos and surrounding area small business and commercial real estate community. First Lockhart National Bank offers commercial real estate loans for various types of projects, including office and retail space and multi family. We specialize in creating a personal experience with every request and think outside the normal big bank requirements. Please feel free to contact me here. Thanks www.firstlockhart.com

• Responsible for doing considerable research on larger potential borrowers. • Assisted in making presentations to loan committee and director committee. • Developed detailed reports on credit and lending risks within a variety of industries. (Hotels, C-Stores, CRE Investment property, SFR Investment Property, Oil & Gas service companies) • Developed cash flow analysis that compared to credit outstanding utilizing Sageworks analysis software. • Created and developed extensive spreadsheets outlining client assets and credit risk. • Prepared annual reviews of large credit borrowers. • Assisted in pre & post-closing of large commercial loans.

Provides account services to customers by receiving deposits and loan payments; cashing checks; issuing savings withdrawals; recording night and mail deposits; selling cashier's checks, traveler's checks, and series e bonds; answering questions in person or on telephone; referring to other bank services.

Earned as part of the rigorous three-year Graduate School of Banking program at UW-Madison, this executive education program provides high-level leadership training tailored for community bankers. Focused on strategic decision-making, financial management, and organizational leadership, the program equips banking executives with the skills to drive innovation and strengthen financial institutions.