A “Roll of Honor” bank is a bank that has voluntarily provided double protection for its depositors by building up its surplus and undivided profits account to a point where this reserve fund is equal to, or greater than the capital of the bank.
The laws, either National or State, do not require any bank to provide this “extra measure of safety.” As a matter of fact, the soundest banking practice and the legal requirements of some states fix 20 per cent of the bank’s capital as a sufficient reserve fund to maintain for the safety of its depositors.
But before a bank can become known as a “Roll of Honor” bank, it must voluntarily build up its surplus reserve fund to an amount at least five times the usual requirements. So severe are the requirements that only one bank in five in the entire country can qualify as a “Roll of Honor” institution.
The fact that this bank has achieved this distinction stamps it as one of the strongest institutions for its size in the whole United States.
You can see, therefore, that it does mean a great deal to you as a depositor or as a possible depositor, that this is a “Roll of Honor” bank. In addition to giving you “more than the law requires” in protection, we are only striving to give you a “double measure” of courteous and friendly service.
David Browning Culberson
David Browning Culberson was born in Troupe County, Georgia, Sept. 24th, 1830; was educated at Brownwood, La., and Grange, Ca., and studied law under Chief Justice Chilton of Alabama.
He was married to Miss Eugenia Kimball, a lady of sterling character and brilliant mind. It was to her influence and encouragement that he owed a large measure of his success. To this union three children were born, Charles A., the oldest, was one year old when the family moved to Texas in 1856. Robert Owen and a daughter, Anna, were born in Texas. Robert Owen is the only surviving one. He now resides in Houston, Texas.
The Culberson family—Jim Culberson, a brother with his family and Dr. R. L. Rowell and family, and others and a large company of slaves came to Texas in covered wagons.
Dr. Rowell located in Jefferson but the Culberson brothers moved to Gilmer, Texas, where they practiced law for two years, then came to Jefferson to make their home.