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Jeff Sinnott

Jeff Sinnott
President and Chief Executive Officer

Jeff Sinnott serves as President and Chief Executive Officer and is a member of the Board of Directors of Vantage Bank Texas. Sinnott joined Vantage Bank Texas in 2018 as Chief Operations, Technology and ERM Officer where he led a complete overhaul of the bank’s operations and technology divisions, emphasizing an enhanced, omni-channel customer experience.

Sinnott has been in the commercial banking and technology fields for the past 25 years, focusing on innovation and transformation. He began his career in Charlotte, NC as a software engineer working on the Model Banking Program at Bank of America. He has since overseen largescale technology and operations initiatives at numerous banks and spent a portion of his career leading global software initiatives in the consumer goods industry, focusing on product design, development and deployment. Some of the major firms where Sinnott led these initiatives include PepsiCo, Heinz, Walmart, and Danone. Sinnott returned to banking in 2003 when he joined Summit Bank, N.A. as their Chief Information Officer. In 2007, Sinnott joined Southwest Bank in Fort Worth as Chief Operations Officer where, along with the Operations and Technology divisions, he led the Treasury Management sales team. Jeff brought his expertise to Vantage Bank Texas in the fall of 2018 and, in a short period of time, has made an extraordinary impact on the way the bank delivers products and services to our customers.

Sinnott is active in the banking community and has served on the Tarrant County Bankers Association Board of Directors and the Business Digital Banking Product Advisory Board at Digital Insight and Intuit.

Sinnott graduated from Texas A&M University in 1994, earning a bachelor’s degree in Business Analysis/Management Information Systems. He also graduated with honors from the Graduate School of Banking in Colorado in 2006.


George Cardenas

George Cardenas
Executive Vice President / Regional President

George Cardenas is a Regional President for Vantage Bank Texas and is responsible for Commercial Lending in the Rio Grande Valley, Laredo and El Paso. He joined the Bank in 2003 and has over 20 years of lending experience.

Mr. Cardenas is a Trustee Board Member of the Boys and Girls Club of Edinburg, a Board Member of the Juan Diego Catholic School and on the Zoning Board of Adjustments in Edinburg. He is an Advisory Board Member of the UTRGV Business School, and of the McAllen Economic Development Corporation. George is also an actively involved in the Cattle Barons Ball for the American Cancer Society and served as committee chair in 2015.

Mr. Cardenas holds a bachelor’s and a master’s degree in Business Administration from the University of Texas Pan American and is a graduate of the Southwest Graduate School of Banking from Southern Methodist University.


Joel Castaneda

Joel Castaneda
Executive Vice President / Chief Risk Officer

Joel Castaneda serves as the Chief Risk Officer for Vantage Bank Texas and is responsible for Enterprise Risk Management, Compliance, and Internal Audit. He has over 13 years of bank operations, bank regulatory supervision, and risk management experience.

Prior to joining Vantage Bank Texas, Mr. Castaneda was a Risk Management Director within the Enterprise Risk and Compliance Office at USAA in San Antonio, TX where he specialized in operational risk management. In this role, he conducted independent risk oversight of various operational risk disciplines and functional areas for USAA Federal Savings Bank. He began his career in risk management at the Office of the Comptroller of the Currency (OCC) as an Associate National Bank Examiner performing safety and soundness examinations of community banks. Mr. Castaneda has previously served as President of the Rio Grande Valley Chapter of the Risk Management Association (RMA) and on the Advisory Board for Operational Risk/Enterprise Risk Management for the RMA Texas Chapter.

Mr. Castaneda holds a bachelor’s degree in Business Administration - Accounting from the University of Texas Pan American.


Marin Espinosa

Marin Espinosa
Executive Vice President / Chief Banking Services Officer

Marin Espinosa joined Vantage Bank Texas in 1990 and currently serves as the Chief Sales and Service Officer. In this role he oversees the Bank’s retail banking center network, mortgage and international sales and service, including foreign exchange. Mr. Espinosa has 35 years of experience in personal and international banking relationship management.

Mr. Espinosa has worked with the Rio Grande Valley chapter of Easter Seals, the Mission Economic Development Corporation, the Starr County Youth Fair and HOSTS, a Mission Independent School District initiative to mentor at-risk students.

Mr. Espinosa earned his bachelor’s degree in Business Administration with a concentration in Marketing at Texas State University in San Marcos, Texas.


Phil Lesh2

Phil Lesh
Executive Vice President / Chief Financial Officer

Phil Lesh has been the Chief Financial Officer of Vantage Bank Texas since 2010 where he manages the Accounting and Finance Department, oversees asset and liability management, capital requirements, liquidity positions and overall financial performance of the Bank. Prior to joining Vantage Bank Texas, he served as a Senior Finance Manager and Consultant for Wachovia and Bank of America. Mr. Lesh has over 30 years of experience in finance management and is a past member of the Texas Bankers Association CFO Forum.

Mr. Lesh holds a BBA in Finance from Stephen F. Austin State University.


Robert Molloy

Robert Molloy
Executive Vice President / Regional President

Robert Molloy joined Vantage Bank Texas in 2019 and is the Regional President of the North Texas Market (Fort Worth/Dallas Metroplex). Prior to joining Vantage Bank Texas, Mr. Molloy led SouthWest Bank in Fort Worth. He is a respected member of the Fort Worth business community with a banking and banking leadership career spanning 33 years.

Mr. Molloy serves as a Board Member for YMCA of Metropolitan Fort Worth Endowment and Downtown Fort Worth Inc. He previously served as the Chairman of the Board for YMCA of Metropolitan Fort Worth.

He holds a Bachelor’s Degree in Finance from Texas A&M University.


Randy Talley2

Randy Talley
Executive Vice President / Chief Credit Officer

Randy Talley is currently serving as the Chief Credit Officer of Vantage Bank Texas. In this position, Mr. Talley is responsible for the management and strategic direction of the credit department, appraisal group, loan review team, and special asset division. He is a tenured credit officer with over 20 years of operational, sales, credit, and risk experience in banking and corporate lending. Prior to joining Vantage Bank Texas, Mr. Talley was the Chief Credit Officer at Southwest Bank in Fort Worth, Texas. His corporate experience includes senior management and executive positions at Equify Financial, Equify Real Estate, F&M Bank Corp and General Electric Capital Corporation.

Mr. Talley holds an undergraduate business degree from the University of North Texas.


Patty Terry

Patty Terry
Executive Vice President / Chief Administrator & Chief of Human Resources

Patty Terry is the Chief Administrative Officer and Chief Human Resources Officer of Vantage Bank Texas. Ms. Terry served as the Chief Operations Officer of Vantage Bank Texas from 2010 – 2018. Her banking career spans more than 40 years with a career emphasis on finance, accounting and commercial lending administration. She has led finance and administrative teams at Bank of America and Wachovia, serving as an executive and providing comprehensive support to leadership teams and other executives. She currently serves as the Secretary to the Board of Directors of Vantage Bank Texas.

Ms. Terry has a BBA in Accounting from Lamar University.


Paul Thornton

Paul Thornton
Executive Vice President / Regional President

Paul Thornton is a Regional President for Vantage Bank Texas and is responsible for Commercial Lending in San Antonio and Medina County. He has served in this capacity since 2009. Mr. Thornton has a varied background in his more than 35 years in banking, including Market CEO, Senior Credit Officer, Loan Administration Officer and teller.

Mr. Thornton is currently a Board Member of the United Way of San Antonio and of ChildSafe, a children’s advocacy center serving San Antonio and Bexar County. He is the Treasurer of the William Ludwikowski Foundation and is a member of the Texas State University Bobcat Club. Mr. Thornton was recognized in 1998 by the San Antonio Business Journal as a “40 under 40 Rising Star”.

Mr. Thornton received a BBA from Texas State University. He is a graduate of Oklahoma Commercial Lending School and a graduate of Texas Tech Banking School.