Banking on Integrity closes season one with Hazem and Mack reflecting on eight months of conversations with Houston entrepreneurs, the mission of community banking, and what integrity really looks like in business and relationships. They share lessons from their guests, celebrate their growing team and customer trust, and look ahead to season two in 2026.

Have a guest idea for season two? Contact us here.

To learn more about Integrity Bank, go to itx.bank.

Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts!

Key Takeaways

• Community banks play a vital role in Houston by knowing their customers personally, tailoring solutions, and keeping deposits working locally.

• Success is defined individually, but integrity, hard work, and moral character matter more than credit scores or balance sheets.

• Strong banking relationships focus on listening to owners’ goals, offering advice and introductions, not just loans and accounts.

• Houston’s consolidation of community banks is a concern, driving Mack’s goal to advocate for more de novo community banks nationwide.

• Season one guests modeled investing in others’ success, which Hazem and Mack see as the heart of banking and the purpose of the podcast.

See omnystudio.com/listener for privacy information.

Juan Bustamante and Ralph Fady, business students at the University of Houston, join the podcast to share how they are reshaping the campus experience.

Through leadership in real estate and private equity clubs, they build community, promote professional growth, and connect peers with Houston industry leaders. By taking part in internships and campus organizations, they prepare for impactful careers and help foster connections and practical skills among commuter students.

To learn more about Integrity Bank, go to itx.bank.

Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts!

Key Takeaways

1. Engaging in specialized student organizations—such as real estate, private equity, and industry-focused clubs—provides students with fundamental career skills, exposure to industry professionals, and a pathway to discover and pursue their interests beyond traditional classroom experiences. Both Juan Bustamante and Rauf Fadi attribute much of their career direction and network to their club involvement.

2. The university has evolved significantly, investing heavily in infrastructure and campus life to shed its “commuter school” reputation, strengthen the student community, and attract more students to stay on campus.

3. The campus and surrounding areas are in constant development, including new housing and retail initiatives, but challenges remain, such as low supply of student housing and retail vacancies during academic breaks. As Juan Bustamante and Rauf Fadi observe, these trends present both obstacles and opportunities for students interested in real estate and urban development.

4. AI is both a concern and a tool for current students. While some worry about job security, forward-thinking students like Juan Bustamante and Rauf Fadi see AI as a way to boost personal efficiency and stand out professionally, embracing technology to enhance their analytical and operational capabilities.

5. Building relationships, seeking internships, and leveraging professional connections are essential for long-term success. Both guests emphasize that being proactive about making connections on and off campus plays a pivotal role in shaping their career trajectory and helps them envision owning their own funds or portfolios in development and real estate in a decade.

See omnystudio.com/listener for privacy information.

Feras Moussa joins the podcast to talk about how he went from his first four-plex on Westheimer to co-founding Disrupt Equity, managing thousands of units.

He credits the company's commitment to education, strong operations, and building high-performing teams for their success. Alongside real estate, he now helps investors diversify into small business acquisitions, always focusing on people and community.

To learn more about Integrity Bank, go to itx.bank.

Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts!

Key Takeaways

1. Multifamily real estate investment requires not just finding deals and capital but successfully managing and operating properties, with execution being the main differentiator according to Feras Moussa.

2. Educating investors and being transparent builds trust and leads to better decisions, as demonstrated by Feras Moussa and his team’s focus on sharing knowledge and data.

3. Navigating the multifamily market’s challenges, like rising costs and shifting interest rates, takes active management, clear communication, and adaptability to change.

4. Diversifying beyond real estate through business acquisitions offers new opportunities, with Feras Moussa’s Equity Launchpad showing how education and creative deal-making help navigate this less structured space.

5. Building strong teams and networks allows entrepreneurs to scale and succeed across ventures, with partnerships and relationships being crucial to long-term growth.

Timestamped Overview

00:00 Apartment Size and Townhome Trends

03:30 "Vision Excites, Execution Challenges"

09:31 Organizing a Consistent Meetup Framework

10:18 "Fair Deal Access for Investors"

13:24 "Balancing Risk in Property Deals"

17:26 "Net Operating Income Explained"

21:16 Diversifying Investments: Real Estate vs. Business

23:26 Educating Sellers on Business Exits

27:43 "Investor-Focused Cash Flow Strategy"

29:28 "Entrepreneur's Dilemma: Leadership Shift"

See omnystudio.com/listener for privacy information.

Rock Dawson, senior advisor at DRDA, joins Hazem and Mack to share how he leverages decades of business and manufacturing experience to help Houston’s small and medium-sized companies achieve sustainability and growth.

Guided by the city’s resilient spirit, he emphasizes intentional planning, building strong relationships, and adapting to new technology. He aims to serve as the trusted board of directors that many business owners might not realize they need, offering practical guidance for lasting success.

Learn more about DRDA here.

To learn more about Integrity Bank, go to itx.bank.

Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts!

Key Takeaways

1. Sustainability in business: Plan intentionally for the future and establish exit strategies from the start.

2. Adoption and impact of technology: Use technology deliberately and cost-effectively, focusing on quick wins and automation while maintaining strong human relationships.

3. Houston’s entrepreneurial culture: Benefit from a diverse, energetic, and community-driven environment that fosters innovation and resilience.

4. Importance of business relationships and networks: Build strong connections for client acquisition, growth, and problem-solving; organizations act as connectors to advance business.

5. Financial preparedness and exit planning: Keep accurate records from day one to stay adaptable and prepared for transition or sale.

Timestamped Overview

00:00 Client Relationships and Shared Values

05:50 Business Success: Strategy and Teamwork

09:17 AI's Impact on Jobs

13:08 Houston's Growth and Resilience

17:04 Houston: Growth, Commerce, Opportunities

18:29 Consolidation's Impact on Small Businesses

21:47 Houston: A Connected Community

25:01 Small Business Financial Strategies

28:08 Start With a Clear Goal

31:21 Entrepreneurship Insights & Collaboration

See omnystudio.com/listener for privacy information.

Scott Clanton’s story at MG Architects is rooted in nearly a century of adaptation, long-term relationships, and creative problem-solving. Over decades, he watched bank design transform from teller lines and vaults to open, collaborative spaces shaped by technological advances. His commitment to serving clients, learning on the job, and refining his craft keeps both his firm and himself at the forefront.

Connect with MG Architects here.

To learn more about Integrity Bank, go to itx.bank.

Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts!

Key Takeaways

1. Bank buildings have shifted from highly secure, transaction-focused spaces (with teller lines, large vaults, and safe deposit boxes) to more open, customer-centric environments using teller pods and fewer physical security features. This change mirrors technological advances, decreased reliance on cash handling, and new approaches to customer interaction.

2. MG Architects has built its business on performing quality work that earns referrals, rather than heavy marketing. Strong relationships and consistently exceeding client expectations are vital for repeat business and organic growth, especially in a specialized field like bank design.

3. Both the banking and architectural industries require continual adaptation. Branch consolidation, changing client needs, and shifts in what physical structures are necessary mean firms must be flexible, learning new skills and adjusting services to remain relevant and successful.

4. Scott Clanton’s journey from employee to co-owner highlights the importance of entrepreneurship and ongoing professional development within established firms. Empowering and mentoring the next generation is essential to a company’s longevity and adaptability.

5. The permitting and approval stages for new builds and renovations can be unpredictable and frustrating, often outside the architect’s control. Building strong relationships with permit runners and city officials—as well as keeping clients informed—are key strategies for navigating these obstacles and maintaining project timelines.

Timestamped Overview

00:00 MG Architects' 90-Year Legacy

05:39 Integrity Bank Journey Summary

06:35 Architectural Expertise in Banking

10:17 Architectural Trust and Specialization

15:22 Decline of Cash in Banks

19:20 Branch Closures Explained

22:18 Bank Consolidation Reshaping Landscape

25:34 Learning Architecture and Business Basics

26:34 Designing for Client's Vision

31:33 Building Relationships with Integrity

See omnystudio.com/listener for privacy information.

Rejection often ignites new entrepreneurial paths.

After submitting more than 455 job applications and facing endless rejection, Freddy Cruz founded Speke Podcasting, a purpose-driven podcast production company based in Houston. Landing his first client provided the confidence to pursue this journey. With support from his wife and a deep passion for authentic storytelling, Freddy continues to build success and inspire others, one podcast episode at a time.

Connect with Speke Podcasting here.

To learn more about Integrity Bank, go to itx.bank.

Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts!

Key Takeaways

1. Failure and rejection can be powerful catalysts for personal growth and the pursuit of entrepreneurship, even for those who never saw themselves as business owners. Freddy Cruz shares his experience of applying to over 455 jobs, receiving mainly indifference, and ultimately realizing that entrepreneurship was a path made necessary by circumstance rather than choice.

2. Brand identity and purpose matter. Freddy’s evolution from “Freddy Cruz Creative Works” to “Speke Podcasting” shows how a business’s name and focus need to reflect its unique value and mission. Speke Podcasting links its name to advocacy for Houston’s homeless animal population and meaningful storytelling.

3. Strong personal relationships and support at home are critical to entrepreneurial success. The episode underscores that behind many entrepreneurs are people who lift them up during their hardest moments.

4. Rejection and failure are not only inevitable in entrepreneurship but also essential learning tools. Freddy, Hazem and Mack discuss how repeated “no’s” make you stronger, more humble, and willing to adapt.

5. Podcasts create meaningful connections and preserve stories that might otherwise be lost in today’s fast-paced world. Podcasting is positioned as an intimate, lasting medium that brings out personal insights, encourages vulnerability, and enriches both hosts and listeners.

Timestamped Overview

00:00 Grateful for Inspiring Integrity

08:53 Discovering My True Path

10:17 From Boss to Networking Success

13:28 Embracing Risk and Resilience

18:49 Value of Sharing Stories

21:52 Choose Community Banks Over Big

23:36 Heartfelt Resilience and Connection

27:27 Podcasting Insights

See omnystudio.com/listener for privacy information.

Integrity often shines brightest in times of crisis.

Chung Wu’s story unfolds from his immigrant roots and restaurant struggles to surviving the Enron debacle as a principled financial advisor. Guided by honesty, transparency, and putting his clients first, Wu built CWIG Investments into a successful hedge fund. His unwavering commitment to ethical practice defines his legacy in Houston’s business community.

Connect with CWIG Investments here.

To learn more about Integrity Bank, go to itx.bank.

Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts!

Key Takeaways

1. Chung Wu’s journey from Hong Kong to Houston exemplifies the pursuit of opportunity, resilience, and building a life through hard work and support from family. His early experiences washing dishes and putting himself through school reflect the drive that often underpins entrepreneurial and professional success.

2. Chung’s path from college to working multiple jobs, moving into accounting and finance roles, launching a restaurant business, and then pivoting to financial advising, illustrates the importance of adaptability. Staying open to new opportunities and responding to life’s challenges prepares individuals for long-term growth.

3. The Enron episode highlights the critical role of ethical decision-making, especially under pressure. Chung’s commitment to honesty and acting in his clients’ best interest—even at personal and professional risk—reinforces the concept that integrity is “doing the right thing when nobody is watching.” This principle builds long-term trust and reputation.

4. The fallout from Enron’s collapse and the turbulent times surrounding events like Tropical Storm Allison and 9/11 provided Chung with clarity and purpose. The importance of transparency, responsibility, and learning from difficult circumstances is emphasized as central to both individual and community recovery and growth.

5. Chung shares how he built CWIG Investments and a hedge fund focused on data-driven, risk-managed strategies. He discusses the role of technology, research, and simplicity in creating efficient, safe, and client-focused financial vehicles. The discussion also touches on AI’s impact and the enduring need for human judgment in financial advising.

Timestamped Overview

00:00 Texas Dreaming, 1972 Arrival

03:17 Mom's Sacrifice for Education

06:56 From Jewelry Clerk to Finance

12:48 Enron's Fraud Concerns Unveiled

14:11 Compliance, Risks, and Truths

19:25 Corporate Corruption and Personal Growth

22:01 Finding Purpose Through Adversity

24:26 9/11 Reflection and Investor Insight

28:32 Stock Insights: History & Forecast

32:42 Embracing Wisdom Through Experience

36:57 AI's Power and Risks

38:35 Moral Responsibility in Decision-Making

See omnystudio.com/listener for privacy information.

Dan Parsons, leader of the Better Business Bureau in Houston and South Texas, shares the story of an organization founded by business owners committed to truth in advertising and voluntary accountability. Hazem and Mack highlight why trust is vital to Houston’s economy and how self-regulation benefits both businesses and consumers. The episode offers practical advice for protecting yourself when making significant purchases, and encourages listeners to support the show by subscribing, sharing with friends and family, and advancing the mission of promoting integrity in business.

Connect with The Houston and South Texas BBB here.

To learn more about Integrity Bank, go to itx.bank.

Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts!

Key Takeaways

1. The BBB originally emerged as a self-regulating business association in response to fraudulent advertising practices in the early 20th century. Its foundation was built on businesses protecting the marketplace from bad actors, rather than government intervention. Today, the BBB continues to champion ethical business behavior and trustworthy advertising, serving both businesses and consumers.

2. Advertising claims (like “lowest price”) are heavily scrutinized due to their history of misleading the public. The BBB actively monitors advertising, challenges false claims, and promotes transparent practices. The conceptual takeaway is that honesty and self-regulation in advertising help build trust and prevent both loss of reputation and regulatory crackdowns.

3. Today's consumers have access to more information, choices, and tools than ever before, making them better equipped to protect themselves. However, the sheer volume of options and resources can be overwhelming, sometimes leading to information fatigue and mistakes. The takeaway: Empowered consumers must balance access with due diligence to avoid pitfalls.

4. Some industries—like automotive dealers, contractors, and infrastructure services—generate recurring complaints due to poor practices or outright fraud. The BBB tracks these patterns, helping consumers steer clear of bad actors and guiding regulatory attention where needed. Proactive education and preparedness are the best defenses against these industry-specific issues.

5. With the proliferation of online review platforms, the BBB stands out for its focus on verifying legitimacy and encouraging thorough responses from businesses. Reviews and complaints are not just outlets for frustration. They’re essential feedback for both businesses and the public. Transparent, empathetic responses and responsible handling of complaints foster trust and better consumer experiences.

Timestamped Overview

00:00 "Business Self-Regulation Origins"

04:04 Oil Industry Pricing Challenges

09:18 Consumer Challenges and Confusion

11:54 "Assessing Patterns and Concerns"

16:26 "Car Prices and Supply Struggles"

17:29 "Proving Fraud Requires Patterns"

22:32 "Extended Warranty Sales Tactics"

23:21 Consumer Industry Insights

27:34 "Complaints, Resolutions, and Patience"

29:38 "Ensuring Review Credibility"

See omnystudio.com/listener for privacy information.