About Us

Building a stronger future, together.

A different kind of community banking organization — rooted in people, guided by purpose, and built to last.

About Future Financial

Future Financial Bankshares was founded with a vision to build a different kind of community banking organization. One rooted in people, guided by purpose, and committed to creating lasting value for the employees, clients, shareholders, and communities it serves.

Our belief is simple. Banking has always been about people. Technology will continue to evolve. Process is important. Markets will shift. And relationships, trust, and sound advice remain timeless.

We believe exceptional organizations are built from the inside out. When employees understand how their work connects to a greater purpose, they find joy, meaning, and fulfillment in what they do. That culture inspires collaboration, develops leaders, and creates an environment where people and ideas thrive.

Building a bank that transcends an industry begins with people!

That same philosophy shapes every client relationship. We listen to understand before we seek to solve. We believe every client deserves thoughtful advice, responsive service, and banking solutions tailored to their unique goals.

At Future Financial, banking is more than a transaction. It is personal. It is relational. It is experiential.

Our commitment extends beyond financial performance. We are building an enduring institution that develops leaders, strengthens communities, and creates long term value through intentional decisions made with integrity, humility, and purpose.

We believe leadership begins by considering the impact every decision has on our employees, clients, shareholders, and the communities we proudly serve.

One decision at a time.One relationship at a time.One community at a time.

From our founder

Our Story

Twenty five years ago, a phone call from a career services director changed everything.

A kid from western Kansas, a town of fewer than 900 people, packed his car with little more than enough gas money and drove to Dallas with an opportunity. That opportunity became a career. That career became a calling.

Over the next quarter century, I had the privilege of helping build one of Texas' fastest growing community banking organizations. Along the way, I learned from exceptional mentors, talented teammates, loyal clients, and remarkable leaders. Some taught through encouragement. Others through challenge. Each left an imprint.

Those experiences shaped my belief that community banking is fundamentally about people.

Relationships matter more than transactions.Culture drives performance.Leadership is connecting an organization's vision with an individual's purpose.And when people find meaning in their work, extraordinary things happen.

Future Financial was founded to bring those beliefs together.

Not simply to build another bank, but to build an enduring organization where employees thrive, clients feel understood, communities prosper, and long term value is created for shareholders. An organization that believes banking should be personal, relational, and experiential.

The name Future Financial reflects more than optimism. It reflects a responsibility to build something that will outlast all of us. Every decision we make today shapes the opportunities available for tomorrow's employees, tomorrow's clients, and tomorrow's communities.

Building an institution like this is never the work of one person. It is built through thousands of conversations, enduring relationships, shared purpose, and people willing to believe in something before they can fully see it.

Our story is still being written.We invite you to be part of it.

Jeffrey A. Kesler

Chairman of the Board, President & Chief Executive Officer

Board of Directors

Jeffrey A. Kesler

Chairman of the Board, President & Chief Executive Officer

Jeffrey A. Kesler has more than twenty-five years of banking experience leading commercial banking, executive management, strategic growth, credit administration, and merger integration. Throughout his career, Mr. Kesler has built high performing teams, maintained disciplined credit and risk management practices, and partnered with boards and executive leadership to create long term shareholder value.

Full biography

Mr. Kesler spent fifteen years with Veritex Community Bank (NYSE: VBTX), where he served as a member of the executive leadership team since its inception. As employee #2, Mr. Kesler helped build the institution into one of the largest Texas headquartered banks with approximately $12 billion in assets, starting with four individuals and growing to an institution of over 960 employees and becoming one of the 100 largest banks in the United States.

During his tenure, Mr. Kesler served as Community Bank Market President, Chief Lending Officer, and President of Dallas-Fort Worth. He played a leadership role in the successful integration of seven bank acquisitions while helping establish the operational infrastructure, leadership teams, and scalable banking platform necessary to support sustained growth.

Prior to joining Veritex, Mr. Kesler spent nine years with Colonial Bank, advancing from Credit Analyst to Area President, originating more than $1 billion in commercial lending relationships. He earned a Bachelor of Business Administration in Management from Fort Hays State University in 2000.

Chad R. Newsom

Proposed Director

Chad R. Newsom currently serves as President, Vice Chairman of the Board, and Chief Lending Officer of Commercial State Bank. He is part of a long-standing leadership team, working alongside Chief Executive Officer Phillip G. Newsom, and is actively involved in maintaining the bank's community-focused mission across Ellis County and surrounding markets.

Full biography

Mr. Newsom has spent his entire banking career with Commercial State Bank, joining in 2006 after nine years in education. He has progressively served in senior leadership roles, developing extensive experience in commercial lending, credit administration, and community banking operations. He serves on both the Palmer and Ferris Economic Development Committees and is a graduate of the University of Texas at Austin.

Phillip G. Newsom

Proposed Advisory

Phillip G. Newsom has devoted nearly three decades to leading Commercial State Bank and building one of the most respected community banking franchises in Ellis County. After acquiring the institution in the late 1990s, he led its transformation from a small community bank with approximately $30 million in assets into a well-capitalized institution with approximately $120 million in assets while maintaining its commitment to relationship banking, strong credit quality, and local decision making.

Full biography

Under his leadership, Commercial State Bank expanded its presence in Palmer, Ferris, and Wilmer while earning a reputation for personalized service and active community involvement. Following the acquisition by Future Financial Bankshares, Mr. Newsom will transition to serve as an Advisory Director, providing strategic counsel, historical perspective, and ongoing support to the Board and management team.

Richard Dix

Proposed Director

Richard Dix is the Founder and Chairman of Winchester Carlisle Companies, a Dallas-based real estate investment and operating company founded in 2008 with a history of building, investing in, and monetizing platforms across homebuilding, title, mortgage, single-family rental, real estate brokerage, and property management. He brings more than 30 years of executive leadership experience in real estate, capital markets, lender relationships, operations, and corporate governance.

Full biography

Prior to founding Winchester Carlisle, Mr. Dix served as Mountain West Area President for Pulte Homes, Inc. (NYSE: PHM). He previously served on the Oklahoma board of International Bancshares Corporation / IBC Bank (NASDAQ: IBOC), currently serves on the Baylor Scott & White Foundation Board and the Oklahoma State University Eastin Center for Talent Development Board, and previously served on the local advisory board of BB&T Corporation. Mr. Dix earned a Bachelor of Business Administration from Baylor University.

Brad Reid

Proposed Director

Brad Reid is the President and Co-Founder of Scott + Reid General Contractors, a Dallas-based firm he established in 1992 that has grown into one of Texas's largest privately held commercial construction companies. With over 30 years of industry experience, Mr. Reid oversees all corporate operations, including project assignments, personnel management, and client service, with an emphasis on timely delivery and budget discipline.

Full biography

Under his leadership, Scott + Reid has expanded to more than 125 employees across offices in Dallas and Houston. His emphasis on relationship-driven business has resulted in 85% of projects coming from repeat clients. Mr. Reid holds a degree in business administration from Sam Houston State University.

Mark Wells

Proposed Director

Mark Wells has 50 years of experience in Texas community banking, including Vice Chairman of Grand Bank (Dallas) prior to its acquisition by Independent Bank of Texas, Vice Chairman of The Oaks Bank & Trust (Dallas), and Principal at FirstBank (Dallas). His responsibilities have included serving as Senior Lending Officer and Chief Credit Officer.

Full biography

He has invested in and served on the board of three different community banks, with extensive experience on the Director's Loan Committee. In addition to banking, he has served as a trustee, board member, and board Chairman of both Pine Cove Christian Camps and Trinity Christian Academy, Addison.