Patrick Terry Tuggle was born on February 3, 1939, to Helen (Wells) and Hobart Gleason “Pat” Tuggle. Though he was born in Kansas, he got to his beloved Odessa, Texas, as fast as he could - 10 days later. Terry was raised in Odessa, and in 2014, he was honored by the Heritage of Odessa Foundation as a Distinguished former Odessan.

Terry graduated from Odessa High School in 1957, earned his B.A. at the University of Texas at Austin, and attended the Southwest Graduate School of Banking at Southern Methodist University.

In 1977, Terry married Joyce (Prock), who encouraged and supported him in all his endeavors. In their almost 49 years of marriage, they shared and enjoyed many outdoor activities, including golf, backpacking, and motorcycling. Civic events were important and attended by both, and they travelled together for business and pleasure. But family and family gatherings were their favorite. Terry dearly loved family.

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