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The Independent Bankers Association of Texas (IBAT) exclusively represents Texas' community banks and branches, located in more than 800 towns, cities and rural areas across the state. Providing safe and responsible financial services to all Texans, IBAT members range in size from $3 million to $16 billion with combined assets of $153 billion. Formed in 1974, IBAT is directed by volunteer leaders and a dedicated and experienced staff.