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Happy State Bank -1145 Junction Hwy

Happy State Bank -1145 Junction Hwy

Full-Service Branch

1145 Junction Hwy
Kerrville, TX 78028



Brian Bowers


  • ATM
  • Bank
  • Online Banking
  • Mortgage Lender
Brian Bowers

Brian Bowers


“If you ask me, Kerrville is the heart of Texas. This a tight-knit community that supports local businesses and pours into youth organizations – much like Happy. I love working for a bank where we put others first and I can openly share my faith with others. It’s also pretty amazing that ‘live by the Golden Rule’ is part of our mission statement.”

Featured Products


Our personal checking options are sure to help you bank Happy! Looking for the basics with no minimum balance requirement? Happy Checking is the way to go. If you keep a higher balance and enjoy extra perks, Happy Interest Checking is right for you.


Thinking of buying or refinancing? The Happy Mortgage Team is ready to help you make your move. And, with our Hybrid eClosing, you can close by phone in minutes!

Small Business

Get the job done with Happy Business Checking! Great for small businesses, this account has no monthly maintenance fees and comes with all the extras you need to take care of business.

Community Involvement

Habitat for Humanity

We are proud to support Habitat for Humanity and their mission to create a world where everyone has a decent place to live.

Kerrville Area Chamber of Commerce

We are Happy to support the Kerrville Area Chamber of Commerce and their work with local businesses.

Hill Country Youth Ranch

We are proud supporters of the Hill Country Youth Ranch and their commitment to providing a safe, loving, and life-enhancing environment for children.

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Our only job is to help our customers. That means we'll do what it takes to bring your financial dreams to life.
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