SouthStar Bank: A Bank That Cares
Nestled in the heart of Texas, SouthStar Bank has been a pillar of community banking for more than a century. With a strong emphasis on local decision-making, community involvement, and employee development, SouthStar Bank sets itself apart from larger financial institutions by fostering personal relationships and providing customized financial solutions.
As marketing manager Keely McCarthy shares, the bank’s philosophy is simple: “We know you by your name, not a number.” This commitment to community and personalized service has made SouthStar Bank a trusted institution for generations.
A Century of Banking Excellence
Founded in 1920, SouthStar Bank has grown from a single location in Moulton, Texas, to 16 full-service branches across Central Texas, along with a loan production office in Austin. What started as a small, family-run bank has evolved into a modern financial institution with more than $1 billion in assets. Despite its growth, the bank remains true to its roots, carrying forward its tradition of community-focused banking.
In 2015, SouthStar Bank unified its various branches—previously operating under names like First Star, Lone Star, and Texas Star Bank—under a single banner. The Raymond G. Schindler family purchased the bank in 1981 and still holds the majority interest today, continuing to guide its mission and values.
Unlike large, impersonal banks, SouthStar Bank prides itself on its commitment to personalized service. According to McCarthy, who recently celebrated five years with the company, the bank’s dedication to knowing each customer personally is a key differentiator.
“You’ll always be greeted by name when you walk into your branch. We strive to welcome everyone, making them feel valued and respected,” she said.
Local decision-making is another standout feature. Because lending decisions are made at the community level, bankers can apply practical, common-sense standards when assessing loans.
“We know the people we serve, and that helps us find solutions tailored to their unique situations,” McCarthy said.
This hands-on approach ensures that customers receive the flexibility and consideration they deserve rather than being reduced to a credit score assessed by an out-of-state decision-maker.
A Strong Commitment to Volunteerism
SouthStar Bank firmly believes in giving back to the communities it serves. Its outreach efforts include sponsorships, donations, and hands-on volunteer work. In 2024, the bank partnered with Foundation Communities in Austin, a nonprofit organization supporting low-income individuals. Employees participated in the foundation’s supper club, providing meals and opportunities for social interaction among residents.
Beyond organized volunteer events, each SouthStar Bank branch is encouraged to support local causes that matter to their communities. Whether sponsoring local school programs, assisting small businesses through the Small Business Administration lending program, or donating to charitable organizations, the bank actively reinvests in its communities.
Investing in Employees
SouthStar Bank’s commitment to its employees is evident in its strong culture of professional development and internal promotion. McCarthy’s personal story is a testament to this philosophy.
She started as a marketing intern in 2020, expecting a six-month position to fulfill her college credit requirements. However, as the pandemic disrupted job markets, SouthStar Bank recognized her potential and extended her internship. Later, pleased with her efforts, the company created a full-time marketing coordinator position for her. After two years, she was promoted to marketing manager.
“They had complete faith in me,” she said. “They told me, ‘Do your best. If it’s too much, just let us know, and we’ll support you.’ That kind of investment in employees is rare.”
This culture of support extends beyond McCarthy’s experience. Her current marketing coordinator was initially a personal banker with a marketing degree. SouthStar Bank recognized his potential and promoted him into his desired field, allowing him to grow within the organization. The bank’s emphasis on developing talent from within ensures that employees feel valued and have opportunities to build long-term careers.
Additionally, SouthStar Bank boasts employees who have been with the institution for decades. One standout example is an employee celebrating 50 years with the bank—a testament to its positive work environment and strong employee retention.
SouthStar Bank’s Role in a Booming Texas Economy
As Central Texas, particularly the Austin area, experiences rapid growth, SouthStar Bank continues to adapt and expand. “Austin has become a mini Silicon Valley,” McCarthy said, referencing the influx of businesses and residents.
To meet the increasing demand, the bank opened a loan production office in Central Austin in 2023 and continues to hire across its branches. Despite its expansion, SouthStar Bank maintains its core values of personalized service and community commitment. “We may be small compared to national banks, but we offer all the modern features while still knowing our customers personally,” McCarthy said.
For those considering banking with SouthStar, McCarthy offers a simple yet powerful message: “Big banks might seem convenient, but they don’t know you. At SouthStar Bank, we build relationships, provide customized solutions, and genuinely care about our customers. Why not have modern banking features and outstanding customer service at the same time?”
Through its century-long legacy, commitment to volunteerism, investment in employees, and dedication to personal banking, SouthStar Bank stands out as a trusted financial institution deeply rooted in its community. Whether assisting customers with mortgages, supporting local businesses, or fostering career growth, SouthStar Bank continues to thrive by putting people first.
A REALTOR’S Role in A Changing Market
As a REALTOR®, you play a vital role in helping clients navigate one of the biggest financial and personal decisions of their lives. In today’s evolving market, having the right knowledge, tools, and network is key to ensuring a seamless homebuying experience. At the Five Points Board of REALTORS®, we provide local REALTORS® with access to expert resources, industry professionals, and advocacy efforts that support a strong real estate market in Williamson County and beyond.
Market Trends
Clients rely on their REALTOR® to provide insight into when to buy, how to price a home competitively, and how to navigate negotiations based on current market conditions. At the Five Points Board of REALTORS®, we offer educational resources, market reports, and networking opportunities to ensure our members have the knowledge and tools to stay ahead in an ever-changing industry.
Helping Clients Get Financially Prepared
As a trusted real estate professional, you know how important financial readiness is for homebuyers. Guiding your clients through the preapproval process can help them determine their purchasing power and set realistic expectations.
Our affiliate lenders offer a variety of loan options, including conventional loans, FHA loans with down payments as low as 3.5%, VA loans for eligible military buyers with no down payment, and down payment assistance programs.
By partnering with local lenders, you can help clients understand their options, maximize affordability, and confidently move forward in their homebuying journey.
Educating Clients on Costs Beyond the Purchase Price
Many first-time buyers focus solely on the listing price, but as REALTORS®, it’s important to ensure they understand the full financial commitment of homeownership. Beyond the down payment and mortgage, buyers should budget for:
• Closing costs, which typically range from 2% to 5% of the home price
• Home inspections and appraisals
• Property taxes and homeowners insurance
• Homeowners association (HOA) fees, if applicable
• Ongoing maintenance and potential repairs
With affiliate inspectors and title professionals as members of the Five Points Board of REALTORS®, you can confidently refer clients to trusted industry experts who will ensure the homebuying process is smooth and transparent.
Creating a Sense of Urgency and Being
Prepared to Move Quickly
While preparing to buy a home takes time, once the search begins, the process can move quickly. In a market where inventory is still limited in certain price ranges, homebuyers need to be prepared to act fast when they find a home that fits their needs. Delays in decision-making or securing financing can result in missing out on a desired property.
Encouraging buyers to consider their timeline and flexibility well in advance can help them avoid rushed decisions or scheduling conflicts. By ensuring that financing is in place, inspections are scheduled promptly, and buyers understand what to expect, you can help them move forward confidently and efficiently.
Your Network. Your Advantage.
At the Five Points Board of REALTORS®, we believe in strength through collaboration. Our members—including REALTORS®, lenders, title companies, inspectors, and other industry affiliates—form a strong local network dedicated to providing the best service to homebuyers in Williamson County. By leveraging our education, resources, and advocacy efforts, you can enhance your business, serve your clients with confidence, and help shape the future of real estate in the local market.
The Five Points Board of REALTORS® is committed to supporting its members and ensuring that homebuyers in Williamson County receive the best guidance, expertise, and opportunities available. Connect with us today to learn more about how we can help you and your clients succeed.
Highlight These Features in Your Listings, Attract More Buyer Interest
Austin’s housing market reflects many of the same trends seen nationally, with buyers placing high value on certain amenities and home features. Recent research from REALTOR® organizations and local Austin brokers highlights a shift in buyer preferences toward energy efficiency, smart home technology, enhanced outdoor living, and flexible spaces for work and leisure. Below is an overview of common amenities in listings, emerging trends, and key shifts in what Austin homebuyers are looking for, supported by data and statistics.
Common Amenities in Listings
Core features – Many staple amenities appear in most single-family home listings. National surveys show buyers prioritize quality and functionality over sheer size. In fact, as the average new home size has slightly decreased (2,479 square feet in 2023, the lowest in 13 years), buyers are willing to sacrifice square footage if it means getting the features they want. According to the National Association of Home Builders (NAHB), 80% or more of home shoppers rate the following amenities as “essential” or “desirable”:
• Laundry room – A dedicated space for a washer and dryer (a top-requested feature).
• Patio or deck – Outdoor area for entertaining and relaxation.
• Energy-efficient windows – Energy Star-rated windows for better insulation.
• Exterior lighting and ceiling fans – Adequate outdoor lighting and ceiling fans, important for comfort, especially in warm climates.
• Storage space – Garage storage and walk-in pantries to accommodate family needs.
• Front porch and landscaping – Welcoming front porches and well-maintained yards for curb appeal.
• Main-floor bathroom – A full bathroom on the main level for convenience.
These basic features are extremely common in Austin listings. Air conditioning, in particular, is virtually a given in Texas and has become the single most important home feature for buyers nationwide—83% of buyers say A/C is “very important,” ranking it above any other home characteristic, even higher than staying within budget. Modern kitchens with islands and updated bathrooms also remain strong selling points, but increasingly, buyers expect homes to come with added touches and technology that enhance comfort and efficiency. This has led sellers and builders to highlight new types of amenities in their listings.
Energy-Efficient and Sustainable Features
Green upgrades are in high demand as Austin buyers grow more eco-conscious and mindful of energy costs. Energy-efficient improvements not only appeal to environmentally minded buyers but also promise lower utility bills, a big plus in the Texas heat. About 33% of recent homebuyers say heating and cooling costs are a “very important” factor in their purchase, the top-rated environmental consideration, and 31% say the same about energy-efficient windows, doors, and siding. In Texas, builders have taken note: Many new developments focus on sustainable construction and energy-efficient homes to cater to eco-conscious buyers. Common green features now touted in listings include high-performance insulation, Low-E windows, and Energy Star-rated appliances, all of which ranked among the top amenities desired by more than 80% of buyers in the NAHB survey.
Austin’s abundant sunshine is also driving interest in solar power. What used to be a niche upgrade is becoming mainstream; local Austin brokers report that solar panels are increasingly expected rather than optional. Homes with solar energy systems not only reduce monthly energy bills but signal a commitment to sustainability that resonates with today’s buyers. While only about 5% of buyers nationally considered solar panels a “very important” home feature as of 2022, this share may grow as solar technology becomes more affordable and Texas homeowners recall power grid challenges from recent years. Overall, investing in green amenities can pay off. One analysis found that energy-saving and smart home improvements can boost a home’s value by 3% to 5% on resale, underscoring how sought-after these features have become.
Smart Home Technology
High-tech amenities have moved from luxury to must-have for a growing segment of homebuyers. Austin’s tech-savvy population and the prevalence of remote work mean smart home technology is often expected in mid- to high-end listings. A recent National Association of REALTORS® study noted that 40% of homebuyers now actively look for smart home features during their search, and this demand is even higher in tech hubs like Austin. Buyers are looking for homes that can keep up with a modern, connected lifestyle. Popular smart amenities include:
• Smart thermostats – Programmable thermostats, often smartphone-controlled, to optimize comfort and energy use during Texas’ sweltering summers.
• Advanced security systems – Wi-Fi-enabled security cameras, video doorbells, and smart locks for peace of mind. Security cameras and video doorbells are among the fastest-growing home features over the past decade.
• Voice-activated controls – Voice assistants like Alexa and Google Home integrated to manage lighting, speakers, and appliances hands-free.
• Whole-home automation – Central hubs that connect lighting, HVAC, and even smart irrigation systems, allowing homeowners to monitor and control their property remotely.
Buyers see these technologies as adding both convenience and resale value. REALTORS® report that many clients aren’t just willing to invest in smart home tech—they expect it. Homes with extensive smart features can command a price premium. For example, smart security and climate control features help a home stand out; one survey of REALTORS® found that more than 40% had clients specifically interested in smart devices such as locks, lights, and thermostats as part of their home search. In Texas, where managing heat and storms is part of life, buyers appreciate tech like multi-zone HVAC systems and energy management systems that keep the home comfortable efficiently.
Outdoor Living Spaces
Outdoor amenities have taken on new importance, especially after the pandemic reinforced the value of having private outdoor space. In Austin’s mild winter and hot summer climate, features that enhance outdoor enjoyment are big selling points. Spacious yards, decks and patios, swimming pools, and outdoor kitchens are commonly highlighted in listings to entice buyers seeking an indoor-outdoor lifestyle. Zillow research confirms that buyers are willing to pay a premium for well-appointed outdoor spaces—homes advertising features like an outdoor kitchen, built-in grill, or pizza oven fetched about 2% more than otherwise similar homes.
Local market insights show that after 2020, Austin homebuyers increasingly prioritized space and fresh air. Properties with larger yards, pools, or proximity to parks saw heightened demand as remote workers sought more breathing room. Today, it’s common for listings to highlight decks, outdoor kitchens, and even sustainable landscaping with drought-resistant plants, allowing homeowners to maximize outdoor living while minimizing maintenance. In Central Texas, a pool can be a major attraction, especially if paired with energy-efficient pumps or solar heaters to keep operating costs down.
Home Offices and Flexible Spaces
The rise of remote and hybrid work has made home office space one of the most sought-after amenities in recent years. Austin’s large tech and professional workforce amplifies this trend. Many buyers now insist on a dedicated, productive workspace at home. A National Association of Home Builders survey found that nearly one in four buyers called a home office essential. Real estate data showed that homes advertising a defined office sold for about 3.4% more on average—over $12,000 on a median-priced home—and about nine days faster than comparable homes without one.
Austin’s single-family home listings are evolving to meet modern preferences. Buyers want efficiency, connectivity, and lifestyle flexibility, and homes that check these boxes are in the highest demand.
ABoR Communities: Your Key to Building Your Network, Career Longevity
The real estate industry is more than just transactions—it’s about relationships, advocacy, education, and continuous growth. That’s why this month’s column focuses on ABoR Communities and how you can get involved.
Being active in ABoR Communities has been one of the best career moves I’ve made. It has helped me expand my network, develop leadership skills, and make a lasting impact. I encourage every ABoR member to explore how these communities can help shape their careers—and to actively participate in the conversations that strengthen our association and profession.
Curious about which community might be the best fit for you? Here’s a look at each of our communities and their work:
Global
In today’s market, real estate has no borders. The ABoR Global community connects agents with international opportunities, education, and networking to help navigate the complexities of global transactions. From cross-border investments to cultural training, ABoR Global broadens your scope beyond local markets. Learn more at UnlockMLS.com/Global.
Upcoming event: Join ABoR Global on March 27 for Choose Your Brew with Ireland, a dynamic event aimed at fostering global connections and celebrating the strong partnership between Ireland and the United States. Register at UnlockMLS.com/Classes-and-Events.
Foundation
The ABoR Foundation supports REALTORS® and the community through scholarships, disaster relief, and service initiatives. Getting involved strengthens local communities and connects you with a network of service-driven professionals. Learn more at UnlockMLS.com/Foundation.
Advocacy and Government Affairs
A thriving real estate industry relies on strong policy and representation. ABoR’s advocacy initiatives keep you informed about legislative changes, connect you with policymakers, and empower you to be a voice for homeownership and property rights. Whether through TREPAC or grassroots efforts, this community ensures REALTORS® remain at the forefront of industry advocacy. Learn more at UnlockMLS.com/Advocacy.
Upcoming event: REALTORS® from across Texas will gather at the Capitol on March 26 for REALTOR® Day at the Capitol. Register now at UnlockMLS.com/RealtorDay to see advocacy in action firsthand.
Diversity, Equity, Inclusion, and Belonging
Real estate is for everyone. ABoR’s Diversity, Equity, Inclusion, and Belonging initiatives foster an industry that reflects and serves the entire community. From fair housing education to leadership programs, this community is dedicated to equity, accessibility, and ensuring every agent has the opportunity to succeed. Learn more at UnlockMLS.com/Belonging.
ABoR Young Professionals Network (YPN)
Looking to accelerate your career and build meaningful connections? ABoR YPN is the place to be. Designed for up-and-coming REALTORS®, YPN provides mentorship, networking, and educational events tailored for those early in their careers. But don’t let the name fool you—this community is open to professionals of all experience levels.
Upcoming event: Join ABoR YPN on March 31 for a conversation with top influencers and social media professionals. Get tips and tricks from local experts to build your social media brand. Register at UnlockMLS.com/Classes-and-Events.
ABoR Strategic Partners
Success in real estate is about more than skills—it’s also about who you know. ABoR collaborates with local chapters of real estate organizations to offer professional development, networking, and advocacy opportunities. Each strategic partner holds a seat on the Diversity Committee, helping create initiatives that advance diversity, equity, and inclusion in our association, community, and industry. Learn more at UnlockMLS.com/StrategicPartners.
Invest in Yourself and Your Career: Get Involved!
Joining an ABoR Community is more than an investment in your career—it’s a commitment to lifelong learning, industry excellence, and making an impact. No matter your experience level, there’s an ABoR Community for you. To get involved, visit UnlockMLS.com/Volunteer. Volunteer applications open Sept. 1.
Looking for another great way to network? Join us at the 2024 ABoR Industry Awards Gala on Friday, May 2. This spectacular event is a perfect opportunity to celebrate our colleagues and profession. To learn more or purchase tickets, visit UnlockMLS.com/Celebrate.