Amid fierce competition and rising costs, lenders are investing in specialized staff and new products and services. Yet through it all, relationships remain the foundation for serving commercial clients. On the surface, it’s never been a better time to be a Texas business in need of a new banking partner. Companies can choose from 487 banks insured by the Federal Deposit Insurance Corp. that have branch deposits in this state, according to FDIC data analyzed by Samco Capital Markets.