Joe Quiroga

President of Texas National Bank

José (Joe) Quiroga is currently President of Texas National Bank and a
member of the Bank’s Board of Directors, a position he has held since 2007.

Texas National Bank is a Hispanic-Owned community bank and CDFI chartered
in 1920 out of Mercedes, TX with an emphasis on servicing the small business
needs of the Rio Grande Valley. Since 2007 the Bank has grown from
$64 million to $787 million in assets with 10 locations.

Prior to joining Texas National Bank, Mr. Quiroga was Vice President at
JPMorganChase with positions in Commercial Lending and Private Banking
managing both U.S. and International clients. Mr. Quiroga was previously
licensed as a registered Investment Advisor with NASD Series 7, 63 and
State of Texas Group 1 insurance license.

Mr. Quiroga is currently serving on his 2nd term on the Board of the Federal
Reserve Bank of Dallas. He previously served on the Community Depository
Institutions Advisory Council and was appointed as the committee’s national
representative in Washington D.C. In addition, Mr. Quiroga serves on the
OCC’s Minority Depository Advisory Committee to the Comptroller of the
Currency, as a Board Member of the Community Development Bankers
Association and the Texas Bankers Association.

Mr. Quiroga’s civic activities currently include serving on Board for the
Edinburg’s Boys and Girls Club, Board Member of the VAMOS Scholarship
Fund, Board Member for the TNB Foundation, Board Member of Christian’s
Manor, and Board Member of Del Valle Community Development Corp.

Mr. Quiroga graduated Magna Cum Laude from the University of Texas
Pan-American Class of 2000 with a Degree in Business Administration with
a concentration in Finance.

Mr. Quiroga’s passions include traveling, fishing, and hunting with his
18-year-old daughter Kiara.