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HomeTown Bank Newsletter
 409-763-1271 November 2021

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It's Fall- The Best Time of Year
a Letter from Scott Kusnerik, Executive Vice President

Fall is the season of change and one of the best times of the year… from sports, to weather and events. In regards to sports, October and November are arguably the best sports months of the year. There’s College Football, NFL Football, MLB playoffs (lets go Astros!), local High School Football and the NHL and NBA are starting their seasons.

Fall also means the end of Hurricane Season (which is always a relief for all located on the coast) and one of everyone’s favorite Holidays- Thanksgiving. There is nothing much better than filling up on turkey and cranberry sauce, and watching football all day long. Then of course, the Black Friday Sales are the following day. My wife and credit card company love this day. So as a prudent banker, I advise you to always not spend more than you can afford, as credit card balances are one of the hardest debt items to pay off, as most of us will only pay the minimum balance due, which would equate to about a 15 year payout.

The last thing I would like to talk about is the Season of Change. In addition to the changing of the leaves, there are some big changes coming to the Bank this fall. We have temporarily closed the Seawall Bank in Galveston to make room for a new, spectacular building in its place, which we hope to have ready before next Fall. In the meantime, you can visit the Seawall Bank employees for all your needs at our Main Location in Galveston at 45th and Ave O ½. Our lending staff at HomeTown Bank are always available to assist you with your needs. Enjoy your holiday season!

Community Giving

We've had many great opportunities to engage with our communities these past few months.

Our NEW Seawall Branch Opens Next Summer

HomeTown Bank’s Seawall branch is now temporarily closed to make way for a new building to better serve your needs. Meanwhile, please visit our main branch, just 9 blocks away at 45th and Avenue O 1/2, where you’ll see some familiar faces of the Seawall branch staff! You can also call us at (409) 763-1271.
Emergency Fund Basics
Give your finances a buffer

The COVID-19 pandemic and its economic downturn might have exposed how fragile your finances are. As the economy begins to recover, it’s a good time to consider building an emergency fund to help protect you in the future.
401(k) Plan Basics
To grow your retirement savings, take advantage of a 401(k)

Whether you’re entering the workforce or approaching the end of your career, it’s vital to set aside money for when you retire.
Managing Your Credit Score
Tips for boosting and protecting your score

Since your credit score is an indicator of your financial standing, it plays a large role in determining your eligibility for loans and favorable interest rates.
Cybersecurity Awareness

Phishing is the most commonly reported cyber scam — we want to change that! Check out these phishing red flags.

Published by HomeTown Bank
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Disclaimer - All content contained in this newsletter is for informational purposes only and should not be relied upon to make any financial, accounting, tax, legal or other related decisions. Each person must consider his or her objectives, risk tolerances and level of comfort when making financial decisions and should consult a competent professional advisor prior to making any such decisions. Any opinions expressed through the content in this newsletter are the opinions of the particular author only.

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