This December 16, 1914 letter from Houston, Texas was issued by The Union National Bank concerning a past-due loan and account overdraft.
In the early twentieth century, Texas banks operated within rapidly expanding agricultural and commercial networks, extending credit to smaller regional institutions. Correspondence between banks often addressed loan maturities, balance maintenance agreements, and overdraft conditions as part of routine financial oversight. Formal typed letters such as this one reflect the professional tone and structured banking relationships of the era.
The letter is addressed to Mr. T. P. Priddie, Cashier of Farmers State Bank in Rogers, Texas, and references a note due on the 14th along with an agreement to maintain balances during the life of the loan. It notes an actual overdraft during the prior two months and requests retirement of the note with past-due interest. The ornate letterhead features a detailed engraving of the Union National Bank building, officer listings across the top, and a bold masthead with capital stock noted at one million dollars, all typical of prominent Texas banking stationery of the period.
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