J. Armando Rincon

Armando is the Senior Vice President – Loan Officer at the downtown branch in Athens. He has worked in banking for more than 25 years, starting as a part-time teller and working his way through virtually every department of the bank, from new accounts to credit analyst, and now to his current role as a Sr. Vice President – Loan Officer. Armando specializes in auto, personal, business, and real estate loans.

He received his degree in management from the University of Texas at Tyler and attended Trinity Valley Community College, where he earned an associate's degree in drafting. He completed advanced education through the Texas Bankers Association and received the TBA Lending Certificate. He also received a certificate from The Bank Operations Institute (BOI), and in 2025, he graduated from the Southwest Graduate School of Banking at SMU Dallas.

Armando is a tireless volunteer in the Athens community. He is a Reserve Police Officer for the Athens Police Department and coaches for the Henderson County Soccer Association. He also serves on the board of the Cain Center YMCA, is Treasurer for the Athens Public Education Foundation, and is on the TVCC Business and Management Advisory Committee. His past service has included the East Texas Arboretum, Family Peace Project, Henderson County Library, Henderson County Help Center, and the TVCC Scholarship Foundation. He was also tapped to serve on the Henderson County Re-districting Citizen's Advisory Committee.

Armando has two children and resides in Athens. He enjoys traveling, watching sports, going to the gym, and playing golf.