Mountain Commerce Bank
- Company typePrivate
- Founded1900
- HeadquartersKnoxville, United States
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
Mountain Commerce Bank firmographics
Firmographics- Name
- Mountain Commerce Bank
- Legal name
- Mountain Commerce Bancorp, Inc.
- Website
- https://mcb.com
- Company type
- Private
- Founded year
- 1900
- Operating status
- Acquired
- Headcount range
- 101–250 employees
- Ownership category
- akta.pro rank
Mountain Commerce Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211), Depository Credit Intermediation (5221)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI)
Keywords
Where Mountain Commerce Bank is headquartered
LocationHeadquarters
- HQ city
- Knoxville
- HQ country
- United States
- HQ region
- North America
Offices9 records
Markets served
Mountain Commerce Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others
Revenue model
- Net Interest Income: Core earnings derived from the spread between interest earned on loans (commercial real estate, commercial & industrial, consumer, mortgage) and interest paid on deposits. The bank grew loan balances to $1.317 billion by end of 2022, with yields on taxable loans increasing to 5.51% in Q4 2023.
- Non-interest Income: Fees from deposit accounts, treasury management services, investment services referrals (through LPL Financial), and other banking service fees.
- Investment Banking / M&A Advisory (post-merger): Following acquisition by Home BancShares in April 2026, Mountain Commerce Bank merged into Centennial Bank and ceased operating as a standalone entity.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | MCB Free Checking - no monthly fee checking account |
| Subscription | Monthly | Gold Key Checking, Century Gold Checking, Executive Checking - premium checking accounts |
| Transaction based/ take rate | Monthly | SBA Loans, Commercial Real Estate Loans, Equipment Lending, Operating Lines of Credit |
| Unit Pricing | Annual | GoldFlex Add-On CD |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels5 records
Mountain Commerce Bank product offering
Product offeringCore offering
Mountain Commerce Bank is a community bank providing a full suite of personal and business banking products across East and Middle Tennessee. Core offerings include checking and savings accounts, mortgages, personal and commercial loans, SBA loans, equipment lending, commercial real estate financing, treasury management, and investment services delivered through LPL Financial. The bank operates on a 'Responsive Relationship Banking' model emphasizing local decision-making and dedicated personal bankers.
Product overview
Mountain Commerce Bank offers a comprehensive suite of traditional banking products and services through a community bank model. The product portfolio includes personal checking and savings accounts (Gold Key Checking, Century Gold Checking, MCB Free Checking, Executive Checking, MCB Gold Savings, Century Gold Savings, Premium Money Market), personal lending (mortgage loans, personal loans, Visa Platinum credit card), and CDs (GoldFlex Add-On CD). Business banking offerings encompass various checking accounts (MCB Business Plus, Non-Profit Business Now, MCB Interest Checking, Commercial Advantage with Account Analysis, IOLTA), business savings and money market accounts, and lending products including SBA Loans, Commercial Real Estate Loans, Equipment Lending, and Operating Lines of Credit. The bank supplements core products with technology-enabled services including Online and Mobile Banking, Mobile Deposit, Remote Deposit Capture, Treasury Management Solutions, RemitPlus, and Interactive Teller Machines (ITMs). Wealth management services are provided through MCB Investment Services in partnership with LPL Financial. The bank also offers specialized Private Banking services for affluent individuals and healthcare professionals.
Differentiator
Problem solved
Functional benefit
Products and services
- Gold Key Checking
- Century Gold Checking
- MCB Free Checking
- Executive Checking
- MCB Gold Savings
- MCB Century Gold Savings
- MCB Premium Money Market
- GoldFlex Add-On CD
- Mortgage Loans
- Personal Loans & Lines of Credit
- Personal Visa Platinum Credit Card
- MCB Business Plus
- MCB Non-Profit Business Now
- MCB Interest Checking
- MCB Commercial Advantage with Account Analysis
- IOLTA (Interest on Lawyers Trust Account)
- Gold Business Savings
- MCB Premium Business Money Market
- Business Visa Credit Card
- SBA Loans
- Commercial Real Estate Loans
- Equipment Lending
- Operating Lines of Credit
- Treasury Management Solutions
- MCB Investment Services
- Private Banking Service
Quantifiable outcome
- 5-Star Superior rating from BauerFinancial for financial strength and stability (maintained for nine consecutive quarters through 2019)
- +5 more outcomes
Companies that use Mountain Commerce Bank
Customer profileNamed customers6 records
Segments3 records
Ideal customer profiles3 records
Mountain Commerce Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Mountain Commerce Bank partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered flagship, minor and core.
- Home BancShares, Inc. (Centennial Bank)flagshipMountain Commerce Bancorp was acquired by Home BancShares, Inc. in an all-stock merger. MCB's banking subsidiary Mountain Commerce Bank merged into Home BancShares' subsidiary Centennial Bank effective April 1, 2026. The combined entity became one of the 75 largest U.S. banks with approximately $25 billion in pro forma assets.
- Bass, Berry & Sims PLC (Legal Advisor to Mountain Commerce)minorBass, Berry & Sims PLC served as legal advisor to Mountain Commerce Bancorp for the merger transaction with Home BancShares.
- Mitchell, Williams, Selig, Gates & Woodyard, PLLC (Legal Advisor to Home BancShares)minorMitchell, Williams, Selig, Gates & Woodyard, PLLC served as legal advisor to Home BancShares for the acquisition of Mountain Commerce Bancorp.
- LPL FinancialcoreLPL Financial is one of the leading financial services companies and the largest independent broker/dealer in the nation. MCB Investment Services is a registered investment advisory practice offering products and services through LPL Financial, including investment management, retirement planning, insurance, and financial planning services to MCB customers.
Scale indicators18 records
Recent moves7 records
Expansion highlights5 records
Mountain Commerce Bank competitors and assessment
Company assessmentBroad incumbents
- Pinnacle Financial Partners: Nashville-headquartered commercial bank (NASDAQ: PNFP) serving Tennessee, the Carolinas, and Virginia with a similar relationship-banking model targeted at SMBs and professionals. Larger scale but overlapping value proposition in Tennessee markets.
- First Horizon Corporation: Memphis-headquartered regional bank (NYSE: FHN) with extensive Tennessee franchise. Much larger than MCB but competes directly for SMB, consumer, and commercial deposits across Tennessee.
- Regions Financial: Birmingham-headquartered regional bank (NYSE: RF) with a deep Tennessee branch network. Provides direct competition for SMB and consumer deposits in MCB's core East Tennessee markets.
- Truist Financial Corporation: Charlotte-headquartered regional bank (NYSE: TFC) with significant Tennessee presence. Competes across consumer, SMB, and commercial banking segments in MCB's geographic footprint.
Direct peers
- FirstBank: Tennessee-headquartered community bank (NASDAQ: FBNC) with a comparable SMB and consumer relationship-banking model. Closest in scale and target market to MCB within Tennessee.
- SmartBank: East Tennessee-based community bank (Pigeon Forge/Knoxville footprint) with comparable SMB, consumer, and CRE lending focus. Direct geographic competitor to MCB in the Knoxville and Tri-Cities markets.
- Wilson Bank & Trust: Privately held Lebanon, Tennessee community bank with a similar relationship-driven model targeting SMBs, professionals, and consumers in Middle Tennessee — overlapping MCB's Brentwood/Nashville presence.
- BankTennessee: Tennessee-based community bank offering deposit accounts, consumer loans, and commercial lending with comparable SMB and consumer relationship focus in the Memphis and broader Tennessee market.
- Citizens Bank of East Tennessee: Community bank serving the East Tennessee market with consumer and small business banking products. Direct local competitor to MCB in the broader East Tennessee region.
Regional players
- Eastman Credit Union: Kingsport, Tennessee-headquartered credit union serving the Tri-Cities region with deposit and consumer lending products. Competes with MCB's Johnson City/Erwin/Unicoi branches for community deposit share.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Mountain Commerce Bank compliance and trust
Trust signalCompliance2 records
Mountain Commerce Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Mountain Commerce Bank leadership team
Management profileNumber of profiles
Profiles25 records
Mountain Commerce Bank subsidiaries and ownership
Company hierarchySubsidiaries1 record
Mountain Commerce Bank funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Mountain Commerce Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Mountain Commerce Bank
What does Mountain Commerce Bank do?
Mountain Commerce Bank is a community bank providing a full suite of personal and business banking products across East and Middle Tennessee. Core offerings include checking and savings accounts, mortgages, personal and commercial loans, SBA loans, equipment lending, commercial real estate financing, treasury management, and investment services delivered through LPL Financial. The bank operates on a 'Responsive Relationship Banking' model emphasizing local decision-making and dedicated personal bankers.
Is Mountain Commerce Bank a public or private company?
Mountain Commerce Bank is a private company. It is classified as public and is currently acquired.
When was Mountain Commerce Bank founded?
Mountain Commerce Bank was founded in 1900. It employs 101 to 250 people.
Where is Mountain Commerce Bank based?
Mountain Commerce Bank is headquartered in Knoxville, United States, in the North America region.
How does Mountain Commerce Bank make money?
Three revenue lines are on record. Net Interest Income is the primary driver. The others are non-interest Income and investment Banking / M&A Advisory (post-merger).
Who are Mountain Commerce Bank's main competitors?
Broad incumbents on record are Pinnacle Financial Partners, First Horizon Corporation, Regions Financial and Truist Financial Corporation. Direct peers are FirstBank, SmartBank, Wilson Bank & Trust, BankTennessee and Citizens Bank of East Tennessee. Eastman Credit Union is listed as a regional player.
Does Mountain Commerce Bank have an API?
No public API is recorded for Mountain Commerce Bank.
What industry is Mountain Commerce Bank in?
Mountain Commerce Bank's product category is Community Banking. Its primary akta.pro industry code is FSABAAAI, Small Business Banking (Microbusiness/Sole Proprietor). Its NAICS code is 52211 and its SIC code is 6022.