NexBank
NexBank Capital, Inc. is a Dallas-based private financial holding company operating NexBank, the largest privately held bank in Texas. Through its Institutional, Commercial, and Mortgage Banking divisions, it delivers credit, deposit, treasury, correspondent, and warehouse lending services to financial institutions, corporates, government entities, and mortgage lenders nationwide.
- Company typePrivate
- Founded1922
- HeadquartersDallas, United States
- Headcount101–250
- GTM typeB2B
- OfferingServices
What NexBank does
NexBank Capital, Inc. is a Dallas-based, privately held financial holding company with $17.35 billion in total assets as of Q1 2026, operating through its primary subsidiary NexBank - the largest privately held bank in Texas. Originally chartered in 1922 and converted to its current charter structure in July 2020, the holding company runs three primary business divisions: Institutional Banking (revolving lines of credit, holding company term loans, depository services, and treasury management for financial institutions and large corporations), Commercial Banking (commercial lending, commercial real estate financing including interim bridge, permanent, mini-permanent, construction and development, and treasury management), and Mortgage Banking (wholesale and correspondent lending and warehouse lending, with approved seller/servicer status at Fannie Mae, Freddie Mac, and Ginnie Mae). The bank additionally offers public funds depositories collateralized through the Federal Home Loan Bank of Dallas and a smaller Personal Banking platform. Two wholly owned operating subsidiaries - NexBank Securities, Inc. and NexBank Title, Inc. - extend the franchise into securities and title services, while a College Savings Bank division supports education savings products.
Underlying technology consists of a digital banking platform (online and mobile banking with multi-factor authentication and biometric login support) and a 24/7 online warehouse lending system offering real-time system-wide access with same-day funding and same-day wire settlements; no proprietary AI/ML capabilities are disclosed. The bank maintains correspondent, non-delegated and delegated programs targeting mortgage lenders, banks, and credit unions nationwide, plus a dedicated partner portal for mortgage banking clients. Capital strength is significant, with Tier 1 Capital at 15.17%, Total Capital at 15.67%, and Tier 1 Leverage at 9.29% - all well in excess of well-capitalized regulatory minimums, supported by over $700 million in preferred stock and subordinated notes placements across 2021-2023 and a $390 million equity raise in January 2023.
NexBank generates revenue across multiple streams: net interest income from loans and investment securities; transaction and fee income from correspondent, wholesale, and warehouse mortgage lending (conforming, government, non-conforming jumbo, non-QM); subscription-style recurring revenue from treasury management, deposit, and depository relationships with institutional clients and public funds; and security/title income via subsidiaries. Pricing is relationship-based and not publicly disclosed. Customers include institutional clients (financial institutions, holding companies, large corporations), commercial enterprises and middle-market companies, government and municipal agencies, real estate developers and investors, mortgage lenders, banks, and credit unions, with a smaller individual consumer base. Distribution is direct-relationship-led nationally, with correspondent and wholesale lending partnerships serving as the dominant channel for the mortgage banking franchise.
NexBank firmographics
Firmographics- Name
- NexBank
- Legal name
- NexBank Capital, Inc.
- Website
- https://nexbank.com
- Company type
- Private
- Founded year
- 1922
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- NexBank Capital, Inc. is a Dallas-based private financial holding company operating NexBank, the largest privately held bank in Texas. Through its Institutional, Commercial, and Mortgage Banking divisions, it delivers credit, deposit, treasury, correspondent, and warehouse lending services to financial institutions, corporates, government entities, and mortgage lenders nationwide.
- Ownership category
- akta.pro rank
NexBank industry classification
Industry- Product category
- Commercial Banking
- NAICS
- Commercial Banking (522110), Depository Credit Intermediation (5221), Offices of Bank Holding Companies (551111)
- SIC
- National Commercial Banks (6021), State Commercial Banks (6022), Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Real Estate (Commercial Property, REITs) (FSABACAH)
- akta.pro secondary industry
- Digital Banking & Neobank Platforms (BPAMAFAD)
Keywords
Where NexBank is headquartered
LocationHeadquarters
- HQ city
- Dallas
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
NexBank business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others
Revenue model
- Institutional Banking: Banking services including revolving lines of credit, holding company term loans, tailored depository services, and treasury management for institutional clients and financial institutions
- Mortgage Banking: Wholesale and correspondent lending services, warehouse lending, covering conforming, government, non-conforming jumbo, and non-QM loan products
- Commercial Banking: Commercial lending, commercial real estate lending including interim bridge, permanent, mini-permanent financing, construction and development, and treasury management services
- Public Funds Banking: Tailored depository services and specialized interest-bearing accounts for government and municipal agencies with collateral through FHLB Dallas Letter of Credit
- Personal Banking: Personal banking services including online banking, mobile banking, and personal deposit accounts for individuals throughout the U.S.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Warehouse Lending Line |
| Subscription | Monthly | High-Yield Money Market Account |
| Subscription | Monthly | Public Funds High-Yield Money Market |
| Other | Multi-year contract | Series A Preferred Stock Private Placement |
Go-to-market motion2 records
Distribution channels6 records
Marketing channels5 records
NexBank product offering
Product offeringCore offering
NexBank, through its holding company NexBank Capital, Inc., is the largest privately held bank in Texas with over $17 billion in assets, providing three primary banking service lines: Institutional Banking (revolving lines of credit, holding company term loans, depository services, treasury management for financial institutions and public funds), Commercial Banking (commercial lending, commercial real estate financing including interim bridge, permanent, mini-permanent, and construction financing), and Mortgage Banking (wholesale/correspondent lending, warehouse lending for conforming, government, non-conforming jumbo, and non-QM loans). The bank also offers Personal Banking, treasury management services, and securities/title services through subsidiaries.
Product overview
NexBank is a financial holding company with over $17 billion in assets operating as the largest privately held bank in Texas. The company operates through three primary divisions: Institutional Banking (serving financial institutions with credit facilities, depository services, and treasury management), Commercial Banking (providing commercial lending, commercial real estate financing, and business deposit products), and Mortgage Banking (offering wholesale/correspondent lending and warehouse lending through an approved seller/servicer for Fannie Mae, Freddie Mac, and Ginnie Mae). The bank also maintains two subsidiaries—NexBank Securities, Inc. and NexBank Title, Inc.—along with a College Savings Bank division. The product portfolio includes various loan products (conforming, government, non-conforming jumbo, non-QM, commercial, and CRE loans), deposit products (money market, checking, analysis accounts), and digital banking services accessible through online and mobile platforms.
Differentiator
Problem solved
Functional benefit
Brands
- NexBank Wealth Advisors: Wealth management services division
- NexBank Securities, Inc.
- NexBank Title, Inc.
- College Savings Bank
Products and services
- Institutional Banking
Quantifiable outcome
- Top 20 U.S. Bank by Mortgage Servicing Assets (S&P Global Market Intelligence)
- +5 more outcomes
Companies that use NexBank
Customer profileNamed customers5 records
Segments6 records
Ideal customer profiles5 records
NexBank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
NexBank partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core and minor.
- Dallas Area Habitat for HumanitycoreNexBank partners with Dallas Area Habitat for Humanity to provide housing loans for low to moderate-income borrowers, covering closing and title costs. The bank has helped nearly 3,200 families in Texas through these programs. In August 2024, NexBank, NexPoint Philanthropies, and Dallas Area Habitat for Humanity teamed up to build six homes in Dallas County.
- Hunton Andrews Kurth LLPminorHunton Andrews Kurth LLP provided legal counsel for the $100 million private placement of Series A Preferred Stock completed September 1, 2021
- Habitat for Humanity TexascoreStatewide partnership supporting affordable housing initiatives for low to moderate-income families in Texas
- Homebase for HousingminorSponsor of housing information and referral program collaborating with local Dallas organizations providing housing search assistance, emergency shelter options, and resources for past due bills
- The Real Estate Council Community FundminorPartnership supporting community development and real estate projects in low-income neighborhoods in Dallas
- Texas Women's FoundationminorPartnership empowering women through opportunities in housing, childcare, and education to support economic security and leadership potential
- BanzaiminorPartnership providing financial literacy education to elementary school age children, teenagers, and adults
- Impact Dallas CapitalminorPartnership supporting Dallas community development and capital initiatives
Scale indicators31 records
Recent moves6 records
Expansion highlights5 records
NexBank competitors and assessment
Company assessmentDirect peers
- WSFS Financial: Philadelphia-based bank holding company combining commercial banking with a meaningful mortgage lending segment. Strong analog for NexBank's commercial-plus-mortgage model with similar size and capital posture.
- Cadence Bank: Regional commercial bank offering commercial lending, treasury management, and mortgage services across the South and Texas. Comparable institutional/commercial product breadth to NexBank.
- Comerica: Dallas-headquartered commercial bank focused on middle-market, institutional, and small-business lending with significant commercial real estate exposure. Highly comparable to NexBank on customer mix (institutional + commercial + CRE) and Texas market presence.
- Webster Financial: Regional commercial bank with commercial lending, treasury management, and mortgage banking (HSA Bank and residential mortgage). Comparable multi-line banking + mortgage structure to NexBank.
- Hilltop Holdings: Dallas-based holding company combining a commercial bank (PlainsCapital) with a sizeable mortgage origination franchise. Closely resembles NexBank's banking-plus-mortgage business model and Texas footprint.
- Independent Bank Group: Texas-headquartered community bank with commercial, real estate, and mortgage lending. Comparable scale (~similar asset size range) and CRE focus to NexBank's commercial real estate portfolio.
- Texas Capital Bancshares: Texas commercial bank targeting business clients and financial institutions with treasury management and capital markets services. Mirrors NexBank's institutional/commercial banking mix and growth profile.
- Cullen/Frost Bankers (Frost Bank): Texas-based commercial bank with institutional, commercial, and treasury management services. Direct geographic and product overlap with NexBank's institutional banking and commercial banking divisions.
Broad incumbents
- UWM Holdings (United Wholesale Mortgage): Largest U.S. wholesale mortgage lender, directly comparable to NexBank's wholesale and correspondent channel positioning in the mortgage banking division.
- Mr. Cooper Group: Large U.S. mortgage servicer and originator operating at significantly greater scale. Comparable business model to NexBank's mortgage banking division and useful benchmark for servicing-economics dynamics.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
NexBank social profiles
Digital presenceNexBank financial estimates
Financial estimateRevenue estimate
Valuation estimate
NexBank leadership team
Management profileNumber of profiles
Profiles12 records
NexBank subsidiaries and ownership
Company hierarchySubsidiaries3 records
NexBank funding detail
Funding detailFunding overview
Funding rounds9 records
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
NexBank M&A and investment
M&A and investmentM&A
Investments2 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about NexBank
What does NexBank do?
NexBank, through its holding company NexBank Capital, Inc., is the largest privately held bank in Texas with over $17 billion in assets, providing three primary banking service lines: Institutional Banking (revolving lines of credit, holding company term loans, depository services, treasury management for financial institutions and public funds), Commercial Banking (commercial lending, commercial real estate financing including interim bridge, permanent, mini-permanent, and construction financing), and Mortgage Banking (wholesale/correspondent lending, warehouse lending for conforming, government, non-conforming jumbo, and non-QM loans). The bank also offers Personal Banking, treasury management services, and securities/title services through subsidiaries.
Is NexBank a public or private company?
NexBank is a private company. It is classified as corporate owned and is currently operating.
When was NexBank founded?
NexBank was founded in 1922. It employs 101 to 250 people.
Where is NexBank based?
NexBank is headquartered in Dallas, United States, in the North America region.
How does NexBank make money?
Five revenue lines are on record. Institutional Banking is the primary driver. The others are mortgage Banking, commercial Banking, public Funds Banking and personal Banking.
Who are NexBank's main competitors?
Direct peers on record are WSFS Financial, Cadence Bank, Comerica, Webster Financial, Hilltop Holdings, Independent Bank Group, Texas Capital Bancshares and Cullen/Frost Bankers (Frost Bank). Broad incumbents are UWM Holdings (United Wholesale Mortgage) and Mr. Cooper Group.
Does NexBank have an API?
No public API is recorded for NexBank.
What industry is NexBank in?
NexBank's product category is Commercial Banking. Its primary akta.pro industry code is FSABACAH, Real Estate (Commercial Property, REITs), with a secondary code of BPAMAFAD, Digital Banking & Neobank Platforms. Its NAICS code is 522110 and its SIC code is 6021.