Oakworth Capital Bank
Oakworth Capital Bank is a privately held Southeast US regional bank providing commercial banking, wealth management, and advisory services to closely held businesses, professionals, and high-net-worth individuals through four offices across Alabama, Tennessee, and North Carolina.
- Company typePrivate
- Founded2008
- HeadquartersBirmingham, United States
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What Oakworth Capital Bank does
Oakworth Capital Bank is a privately held regional bank founded in 2008 and headquartered in Birmingham, Alabama. The bank operates four offices across the southeastern United States (Birmingham and Mobile in Alabama, Nashville in Tennessee, and Charlotte in North Carolina) and serves closely held businesses, professionals, and high-net-worth individuals with an integrated platform spanning commercial and private banking, wealth and trust management, and advisory services through its wholly-owned registered investment adviser subsidiary, Oakworth Asset Management, LLC.
The bank generates revenue primarily through net interest income from its $1.6 billion gross loan portfolio, supplemented by recurring fees on $2.7 billion in wealth and trust assets under management, and treasury management and advisory fees. Its go-to-market is relationship-driven: dedicated relationship managers and advisory teams serve business owners, doctors, lawyers, and executives across the Southeast, supplemented by an online banking platform (built on FundsXpress infrastructure) that handles deposits, bill pay, wires, ACH, and credit card access. The bank's 4-step "Oakworth Process" packages financial planning, lending, and investment advisory into a unified client experience.
As of December 31, 2025, the bank reported $2.0 billion in total assets, $82.7 million in full-year revenue (+17% YoY), $19.8 million in net income (+25% YoY), and diluted EPS of $3.94 (+24% YoY). Q1 2026 revenue reached $22.3 million (+13% YoY), and the bank reports a 95% client retention rate with an NPS of 95. Oakworth is FDIC-insured, has paid 11 consecutive annual cash dividends, and completed a $35 million subordinated notes private placement in August 2022 to fund growth.
Oakworth Capital Bank firmographics
Firmographics- Name
- Oakworth Capital Bank
- Legal name
- Oakworth Capital Bank
- Website
- https://oakworthcapital.com
- Company type
- Private
- Founded year
- 2008
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Oakworth Capital Bank is a privately held Southeast US regional bank providing commercial banking, wealth management, and advisory services to closely held businesses, professionals, and high-net-worth individuals through four offices across Alabama, Tennessee, and North Carolina.
- Ownership category
- akta.pro rank
Oakworth Capital Bank industry classification
Industry- Product category
- Commercial and Private Banking
- NAICS
- Commercial Banking (522110), Portfolio Management and Investment Advice (523940)
- SIC
- National Commercial Banks (6021)
- akta.pro primary industry
- Private Banking Lending (Securities-Backed, Real Estate, Structured Credit) (FSABADAE)
- akta.pro secondary industry
- Bank-Affiliated Retail Wealth Management (FSAAAAAB)
Keywords
Where Oakworth Capital Bank is headquartered
LocationHeadquarters
- HQ city
- Birmingham
- HQ country
- United States
- HQ region
- North America
Offices4 records
Markets served
Oakworth Capital Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Marketing or Sales, Technology or R&D
Revenue model
- Net Interest Income: Interest income from lending activities including commercial loans, private banking loans, and other credit products. Primary revenue driver with 20% growth in 2025.
- Wealth and Trust Management: Fees from managing wealth and trust assets under administration. Grew 18% year-over-year with $2.7 billion in assets under management as of December 31, 2025.
- Commercial and Private Banking Services: Banking services for closely held businesses and professionals including deposit products, treasury management, and credit facilities.
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
Oakworth Capital Bank product offering
Product offeringCore offering
Oakworth Capital Bank is a privately held regional bank that provides commercial and private banking, wealth management and trust services, and financial advisory services to closely held businesses, professionals, and high-net-worth individuals across the southeastern United States. Its offerings include deposit products, commercial and private lending, treasury management, trust and estate administration, and investment advisory delivered through a 4-step proprietary Oakworth Process. As of December 31, 2025, the bank held approximately $2.0 billion in total assets and $2.7 billion in wealth and trust assets under management.
Product overview
Oakworth Capital Bank offers a unified banking, wealth management, and advisory services platform. The core product portfolio consists of Commercial/Private Banking serving closely held businesses and professionals, Wealth Management providing trust and estate services, and Advisory Services for financial planning. Digital services include Online Banking. A subsidiary, Oakworth Asset Management, provides registered investment adviser services including investment management and financial planning. The bank operates across multiple Southeastern U.S. markets including Central Alabama, South Alabama, Middle Tennessee, and Central Carolinas.
Differentiator
Problem solved
Functional benefit
Products and services
- Commercial & Private Banking Banking services designed for closely held businesses and professionals, providing deposit products, commercial and private lending, treasury management, and credit facilities to navigate financial complexities.
- Wealth Management Comprehensive trust and estate services focused on preserving assets for generations, including trust administration, estate planning, and multi-generational wealth preservation for clients.
- Advisory Services Financial advisory services aimed at helping clients achieve financial security by growing and protecting wealth, making a positive impact, and planning for the future through personalized investment planning.
- Online Banking Digital banking platform providing online access to accounts, bill pay, wire transfers, ACH management, and credit card services for both consumer and commercial clients.
- Oakworth Asset Management Registered investment adviser subsidiary of Oakworth Capital Bank Inc., providing investment management and financial planning services through Oakworth Asset Management, LLC.
Quantifiable outcome
- 13% year-over-year revenue increase to $22.3 million in Q1 2026
- +3 more outcomes
Companies that use Oakworth Capital Bank
Customer profileNamed customers1 record
Segments3 records
Ideal customer profiles3 records
Oakworth Capital Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
Oakworth Capital Bank partnerships and signals
Strategic signalScale indicators11 records
Recent moves5 records
Expansion highlights5 records
Oakworth Capital Bank competitors and assessment
Company assessmentDirect peers
- Renasant Corporation: Mississippi-headquartered community bank with footprint across the Southeast (Mississippi, Alabama, Tennessee, Georgia, Carolinas) offering commercial banking and wealth management. Closely comparable in scale, geographic overlap, and relationship-banking approach.
- Trustmark Corporation: Mississippi-based community bank with significant Southeast operations including Tennessee, Alabama, and Florida, providing commercial banking, wealth management, and trust services. Similar community-bank scale and product mix overlapping Oakworth's territory.
- ServisFirst Bancshares: Birmingham, Alabama-headquartered commercial bank of comparable size (~$17B assets) serving closely held businesses and professionals across the Southeast with a relationship-driven model. Direct competitor for commercial and private banking relationships in Oakworth's home market.
- Pinnacle Financial Partners: Nashville-based commercial bank specializing in closely held businesses, professionals, and wealth clients across the Southeast. Highly comparable relationship-driven, associate-centric model and overlapping footprint in Tennessee and the Carolinas.
Regional players
- United Community Banks: Georgia-headquartered community bank operating across the Southeast (GA, TN, NC, SC, FL, AL) with commercial banking and wealth services. Closely comparable relationship-led community banking model with geographic overlap in Tennessee and the Carolinas.
- Atlantic Union Bankshares: Virginia-based super-community bank offering commercial banking and wealth management across the Mid-Atlantic and Carolinas. Comparable commercial-and-wealth model with overlap in the Carolinas expansion market.
Broad incumbents
- SouthState Corporation: Large Southeast regional bank headquartered in Winter Haven, Florida with full commercial, private banking, and wealth capabilities across Carolinas, Georgia, Alabama, and other states. Competes directly in the Carolinas market where Oakworth is expanding.
- First Horizon Corporation: Memphis-headquartered regional bank with substantial Tennessee presence serving commercial, private banking, and wealth clients. Larger scale than Oakworth but directly competes for the same professional and closely held business segments in overlapping Southeast markets.
- Cadence Bank: Houston-headquartered super-regional bank with Southeast franchise and full commercial banking, private banking, and wealth management capabilities. Competes for similar client segments in Alabama and Tennessee at greater scale.
- Regions Financial: Birmingham-based large regional bank with deep Alabama roots and commercial, private banking, and wealth management lines. Overlaps with Oakworth across Central and South Alabama, though serving a much broader customer base including consumers.
Market position
Strengths5 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Oakworth Capital Bank social profiles
Digital presenceOakworth Capital Bank compliance and trust
Trust signalCompliance2 records
Oakworth Capital Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Oakworth Capital Bank leadership team
Management profileNumber of profiles
Profiles1 record
Oakworth Capital Bank subsidiaries and ownership
Company hierarchySubsidiaries1 record
Oakworth Capital Bank funding detail
Funding detailFunding overview
Funding rounds3 records
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Oakworth Capital 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 Oakworth Capital Bank
What does Oakworth Capital Bank do?
Oakworth Capital Bank is a privately held regional bank that provides commercial and private banking, wealth management and trust services, and financial advisory services to closely held businesses, professionals, and high-net-worth individuals across the southeastern United States. Its offerings include deposit products, commercial and private lending, treasury management, trust and estate administration, and investment advisory delivered through a 4-step proprietary Oakworth Process. As of December 31, 2025, the bank held approximately $2.0 billion in total assets and $2.7 billion in wealth and trust assets under management.
Is Oakworth Capital Bank a public or private company?
Oakworth Capital Bank is a private company. It is classified as management employee owned and is currently operating.
When was Oakworth Capital Bank founded?
Oakworth Capital Bank was founded in 2008. It employs 51 to 100 people.
Where is Oakworth Capital Bank based?
Oakworth Capital Bank is headquartered in Birmingham, United States, in the North America region.
How does Oakworth Capital Bank make money?
Three revenue lines are on record. Net Interest Income is the primary driver. The others are wealth and Trust Management and commercial and Private Banking Services.
Who are Oakworth Capital Bank's main competitors?
Direct peers on record are Renasant Corporation, Trustmark Corporation, ServisFirst Bancshares and Pinnacle Financial Partners. Regional players are United Community Banks and Atlantic Union Bankshares. Broad incumbents are SouthState Corporation, First Horizon Corporation, Cadence Bank and Regions Financial.
Does Oakworth Capital Bank have an API?
No public API is recorded for Oakworth Capital Bank.
What industry is Oakworth Capital Bank in?
Oakworth Capital Bank's product category is Commercial and Private Banking. Its primary akta.pro industry code is FSABADAE, Private Banking Lending (Securities-Backed, Real Estate, Structured Credit), with a secondary code of FSAAAAAB, Bank-Affiliated Retail Wealth Management. Its NAICS code is 522110 and its SIC code is 6021.