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The Hill Country Podcast

The Hill Country Podcast: AJ Rodriguez of Guadalupe Bank on Community Banking, Local Growth, and Interest-Rate Uncertainty

Welcome to the award-winning The Hill Country Podcast. The Texas Hill Country is one of the most beautiful places on earth. In this podcast, Tom’s partners, Gilbert Paiz and Andrew Gay, take the lead in visiting with AJ Rodriguez, now the interim CEO and board member of Guadalupe Bank.

AJ recounts entering banking after a ranch fire led him to college, an internship, and an examiner role with the U.S. Treasury, and subsequent roles at larger banks before becoming CEO of a South Texas community bank that grew to 31 branches and $2.2B in assets; after retiring in 2012 and moving to Fredericksburg, he helped launch the Backwoods barbecue restaurant and later joined Guadalupe Bank, stepping in as CEO after the prior CEO resigned. They contrast community banks with national banks, emphasizing local decision-making, relationship-based service, community involvement, and support for small businesses, and provide Guadalupe Bank details (about $254–$256M in assets, ~37–38 employees, locations in Kerrville and Fredericksburg, and a San Antonio production office planned to become a branch). They cover recruiting talent via a Schreiner University internship rotation program, regional optimism post-flood and amid steady growth, current products and fraud-prevention investments, and non-advisory commentary on interest rates, inflation, and market volatility.

Resources:

Guadalupe Bank 

Other Hill Country-Focused Podcasts:

Hill Country Authors Podcast

Hill Country Artists Podcast

Texas Hill Country Podcast Network

Cover Art

Nancy Huffman

Categories
Kerr250 Podcast

The Kerr250 Podcast: Kerr250 – Guadalupe Bank Launches ‘Patriot Cash Reserve’ Account to Commemorate America’s 250th Birthday

Kerr250 is a community-focused podcast dedicated to celebrating America’s 250th birthday through the people, businesses, traditions, and events of Kerr County. As our nation marks this historic anniversary on July 4, 2026, Kerr250 will highlight local celebrations and community efforts that bring this milestone to life. Each episode will feature conversations with local leaders, business owners, organizers, volunteers, and proud citizens who are helping make Kerr County a vibrant part of this national moment. The podcast will explore how history, patriotism, service, and community pride come together in one county that believes America’s strength has always come from its people. Kerr250 is where Kerr County honors the past, celebrates the present, and helps inspire the future. In this episode, Tom Fox visits with AJ Rodriguez, Chairman and CEO of Guadalupe Bank, as part of a series on how local businesses plan to mark the nation’s 250th anniversary on July 4, 2026.

Rodriguez describes the bank’s new “Patriot Cash Reserve” checking account, created after engagement with Patriot Academy’s constitutional citizenship course, designed to commemorate the 250th anniversary and offer customers an interest-bearing transaction option for new money only. Balances from $75,200 to $249,999 pay the federal funds rate minus 2% (about 1.6%), with a free first order of checks and certain fees waived based on balances; balances over $250,000 pay the federal funds minus 1% (about 2.6%). Rodriguez discusses optimism about increased national unity and invites other businesses to collaborate.

Highlights include:

  • Patriot Cash Reserve
  • Meaning of July Fourth
  • Bicentennial Memories

Resources:

Kerr250 website

Guadalupe Bank