FineMark National Bank & Trust

What FineMark National Bank & Trust does

FineMark National Bank & Trust is a privately-held national bank founded in 2007 in Fort Myers, Florida, that was acquired by Commerce Bancshares, Inc. on January 1, 2026, and now operates as FineMark Bank & Trust, a division of Commerce Bank. The company provides integrated banking, trust, and investment services to high-net-worth individuals, families, entrepreneurs, and professional athletes, with 13 branch locations concentrated in affluent enclaves across Florida, Arizona, and South Carolina. Following the acquisition, the combined entity holds approximately $36 billion in assets and $90 billion in assets under administration, with FineMark contributing $2.7 billion in loans, $2.1 billion in deposits, and $8.7 billion in trust assets.

FineMark's product suite spans personal banking, business banking, lending (personal and commercial), trust and estate services, financial planning, and wealth management, all delivered under a fiduciary standard through a single relationship team. The investment platform operates on an open-architecture, hybrid model that combines two internally managed equity strategies (Core Strategy targeting outperformance of the S&P 500 over a market cycle with 40-50 concentrated holdings, and Dividend Strategy targeting 1.25x the Russell 1000 Value yield with approximately 35 holdings) with externally sourced investment managers, with securities offered through Infinex Investments, Inc. Technology is delivered through third-party platforms (FIS Client Point, eMoney, FineMark Wealth Access, Zelle, IntraFi ICS/CDARS) plus iOS and Android mobile banking apps and a Federal Reserve member, FDIC-insured charter.

FineMark operates a relationship-driven, high-touch go-to-market model. Revenue is generated through five streams: net interest spread on banking and lending, fee-based wealth management (asset-based and advisory fees), trust and fiduciary service fees, securities commissions, and specialized sports management fees. The FineMark Sports Management sub-brand serves 293 clients including 243 professional athletes across baseball, golf, hockey, football, tennis, and basketball, with a dedicated Gainey Ranch office. The bank employs 101-250 staff and operates regional presidents across Lee County, Collier County, Palm Beach County, Charleston, Arizona, and Dallas, with a dedicated Fort Myers Family Office Division.

Name

FineMark National Bank & Trust

Legal name

FineMark National Bank & Trust

Website

http://finemarkbank.com

Company type

Private

Founded year

2007

Operating status

Acquired

Headcount range

101–250 employees

Short description

FineMark, now a division of Commerce Bank, is a national bank providing integrated banking, trust, and investment services to high-net-worth individuals, families, entrepreneurs, and 293 professional athletes via 13 branches across Florida, Arizona, and South Carolina.

Ownership category

akta.pro rank

Product category

Private Banking

NAICS

Depository Credit Intermediation (5221), Portfolio Management and Investment Advice (523940), Trusts, Estates, and Agency Accounts (525920)

SIC

National Commercial Banks (6021), Investment Advice (6282)

akta.pro primary industry

Trust Administration & Fiduciary Accounting Services (FSAAANAF)

akta.pro secondary industries

Personal & Family Trust Services (FSAAANAA), Athlete Financial Management & Wealth Advisory (Tax, Accounting, Investment) (MPAKAMAG), Corporate Trust Services (Trustee, Agent & Escrow Roles) (FSAEAKAB)

Keywords

• Private banking services
• Wealth management
• Trust and estate services
• Commercial lending
• Investment management

Headquarters

HQ city

Fort Myers

HQ country

United States

HQ region

North America

Offices13 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Wealth Management Fees: Fee-based wealth management services including investment management, financial planning, and advisory services. Revenue generated through a combination of asset-based fees and advisory fees.
2. Trust & Fiduciary Services: Estate planning, trust administration, and fiduciary services. Revenue generated through trust fees, estate settlement fees, and fiduciary service charges.
3. Banking Services: Personal and business banking including checking accounts, savings accounts, CDs, money market accounts, and deposit services. Revenue generated through interest spread and account fees.
4. Lending Services: Personal and commercial lending including construction loans, home equity loans, investment property financing, business loans, and lines of credit. Revenue generated through interest income.
5. Securities & Investments: Investment products offered through Infinex Investments, Inc. Includes externally sourced strategies and internally managed portfolios. Securities are not FDIC insured and may lose value.
6. Sports Management Services: Specialized financial services for professional athletes including banking, investment, trust, and business management. Serves nearly 200 clients including athletes in baseball, golf, hockey, football, tennis, and basketball.

Go-to-market motion1 record

Distribution channels5 records

Marketing channels8 records

Core offering

FineMark Bank & Trust provides integrated private banking, wealth management, trust, and investment services to high-net-worth individuals, families, entrepreneurs, and professional athletes. Offerings span personal and business deposit accounts, customized lending, internally-managed and externally-sourced investment strategies, fiduciary trust administration, estate planning, and financial planning, delivered through a relationship-based model across physical branches in Florida, Arizona, and South Carolina.

Product overview

FineMark Bank & Trust operates as a full-service private banking and wealth management institution, now functioning as a division of Commerce Bank following the January 2026 merger. The company offers a comprehensive, integrated suite of services centered on wealth management, including personal banking, business banking, lending, investment services, trust & estate planning, and financial planning. The organization maintains a specialized niche through its FineMark Sports Management division serving professional athletes, offering concierge-level business management. The investment platform operates on a hybrid model combining proprietary internal strategies (Core and Dividend equity strategies) with externally-sourced investments, all under a fiduciary standard. Services are delivered through 13+ branch locations across Florida, Arizona, and South Carolina, supplemented by comprehensive digital banking capabilities.

Differentiator

Problem solved

Functional benefit

Brands

• FineMark Sports Management: Provides highly personalized business management services to professional athletes, including financial planning, banking, estate planning, and investment services. Serves nearly 200 professional athletes including baseball players, golfers, hockey players, football players, tennis players, and basketball players.

Products and services

• Personal Banking

Quantifiable outcome

• $91.4 billion in total trust assets under administration as of December 31
• +2 more outcomes

Named customers9 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

Feature5 records

Partnerships

One partnership is on record.

• Infinex Investments, Inc.coreChannel Partner/ Reseller/ DistributorSecurities offered through Infinex Investments, Inc., Member FINRA/SIPC. FineMark provides investment services including internally managed strategies and externally sourced investment products through this partnership.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Market position

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/finemarkbank
• LinkedInlinkedin.com/company/finemark-national-bank-&-trust
• Instagraminstagram.com/finemarkbank
• Xx.com/finemarkbank

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles16 records

Funding overview

Funding rounds2 records

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about FineMark National Bank & Trust