Captex Bank
Captex Bank (Community National Bank & Trust of Texas) is a privately held, FDIC-insured community bank founded in 1964, serving consumers, small businesses, and wealth-management clients across 18 Texas communities with personal banking, business banking, mortgage, and wealth services.
- Company typePrivate
- Founded1964
- HeadquartersFort Worth, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Captex Bank does
Community National Bank & Trust of Texas, operating under the consumer-facing brand Captex Bank (with DBAs CNB&T and MyBankTX), is a privately held, FDIC-insured community national bank founded in 1964 and headquartered in Fort Worth, Texas. The bank operates physical branches across 18 Texas communities and serves individual consumers, small businesses, homebuyers, and wealth-management clients through a four-pillar product set: Personal Banking (checking, savings, personal loans, overdraft protection, Round-Up automatic savings), Business Banking (business checking, commercial lending), Mortgage (purchase, construction, refinance, home equity), and Wealth Management (trust services, investment management, estate settlement, IRA rollover). Distribution is hybrid: a relationship-led, community-rooted branch model supplemented by digital channels including the MyBankTX mobile app (iOS/Android), online banking with bill pay, Zelle peer-to-peer transfers, mobile deposit, and CardSwap subscription-management across 150+ merchants.
Captex Bank firmographics
Firmographics- Name
- Captex Bank
- Legal name
- Community National Bank & Trust of Texas
- Website
- https://captex.bank
- Company type
- Private
- Founded year
- 1964
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Captex Bank (Community National Bank & Trust of Texas) is a privately held, FDIC-insured community bank founded in 1964, serving consumers, small businesses, and wealth-management clients across 18 Texas communities with personal banking, business banking, mortgage, and wealth services.
- Ownership category
- akta.pro rank
Where Captex Bank is headquartered
LocationHeadquarters
- HQ city
- Fort Worth
- HQ country
- United States
- HQ region
- North America
Offices5 records
Markets served
Captex Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Supply Chain
Revenue model
- Interest Income: Traditional banking revenue from interest earned on loans including personal loans, business loans, mortgages, and home equity loans
- Deposit Account Fees: Fees from checking and savings accounts including overdraft protection services and other account-related charges
- Wealth Management Services: Revenue from trust services, investment management, estate settlements, and IRA rollover accounts
- Debit Card Rewards: My Direct Rewards Checking program offers rewards for debit card purchases, including promotional 2x rewards periods
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Personal Checking Accounts |
| Other | Monthly | Personal Savings Accounts |
| Other | Monthly | Business Checking Accounts |
| Other | Pay-as-you-go | Mortgage and Lending Products |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels6 records
Captex Bank product offering
Product offeringCore offering
Captex Bank, operating as Community National Bank & Trust of Texas (CNB&T, MyBankTX), is a Texas-based community bank offering personal banking (checking, savings, and personal loans), business banking (business checking and commercial lending), mortgage products (purchase, construction, refinance, home equity), and wealth management services (trust, investment management, estate settlement). Banking services are delivered through a branch network across 18 Texas communities supplemented by online and mobile banking channels.
Product overview
Community National Bank & Trust of Texas operates as a traditional community bank offering a unified portfolio of financial products and services organized into four core divisions: Personal Banking (checking, savings, and lending with digital banking features including online access, mobile deposit, Zelle, and overdraft protection), Business Banking (commercial checking and lending solutions), Mortgage (purchase, construction, refinance, and home equity products), and Wealth Management (trust services, investment management, and estate administration). The bank also provides supplementary features like Round-Up Automatic Savings and CardSwap subscription management. The digital banking platform serves as the primary interface for account management across all product lines.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Checking Accounts Individual deposit accounts offering features such as My Direct Rewards Checking with debit card rewards programs, online and mobile banking access, and overdraft protection options for consumer banking customers.
- Personal Savings Accounts Individual savings deposit accounts with competitive rates and automatic savings features for consumer customers.
- Personal Loans Credit facilities for individual borrowers including various lending products and competitive rate options.
- Online and Mobile Banking Digital banking platform providing account access, bill pay, mobile deposit, Zelle money transfers, CardSwap subscription management, and video tutorials for individual and business customers.
- Business Checking Accounts Commercial deposit accounts designed to support small business banking needs with comprehensive business banking resources.
- Commercial Lending Business credit facilities and loan products for commercial borrowers including term loans and lines of credit.
- Mortgage Products Home financing services including purchase mortgages, construction loans for building, home improvement financing, refinancing options, and home equity loans.
- Wealth Management Services Comprehensive financial advisory services including trust services, investment management, estate settlement administration, and IRA rollover accounts.
Quantifiable outcome
- 2x debit card rewards program offering 10 cents per purchase during promotional periods
Companies that use Captex Bank
Customer profileNamed customers2 records
Segments4 records
Ideal customer profiles4 records
Captex Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature4 records
Captex Bank partnerships and signals
Strategic signalScale indicators3 records
Recent moves6 records
Expansion highlights5 records
Captex Bank competitors and assessment
Company assessmentDirect peers
- Independent Bank Group: Texas-based community bank holding company operating branches across Texas and the Southwest; comparable multi-product community banking model targeting consumers, small businesses, and commercial borrowers.
- Cadence Bank: Regional bank with significant Texas and Southeast presence offering consumer, commercial, and wealth management services; similar product mix and customer segments in overlapping Texas markets.
- Texas Capital Bancshares: Texas-based commercial bank with strong business banking and treasury management franchises; comparable in market geography, commercial lending orientation, and SMB focus.
- Cullen/Frost Bankers (Frost Bank): Texas-headquartered community/commercial bank with deep branch network across the state; same regional footprint, similar relationship-based commercial and consumer banking model, and direct competition for Texas SMB and personal banking customers.
- Simmons First National Bank: Community bank holding company with a strong acquisition-driven growth model across the South and Midwest; comparable multi-product community banking strategy and M&A orientation.
- Prosperity Bancshares: Texas-anchored community bank with extensive in-state branch network and a track record of acquiring community banks; directly comparable model and a likely M&A consolidator peer.
Broad incumbents
- Wells Fargo: Large national bank with deep Texas branch network across consumer, mortgage, and commercial banking; competes across all of Captex's product lines with broader scale and product breadth.
- Bank of America: National incumbent with significant Texas retail and digital banking presence; overlapping deposit, consumer lending, and wealth management competition.
- JPMorgan Chase: National full-service bank with extensive Texas retail and commercial presence; competes for the same household and SMB deposits, loans, and wealth relationships but at vastly greater scale.
Emerging players
- Ally Bank: Digital-first bank competing for deposits, consumer loans, and mortgage origination with no-branch economics; directly pressures Captex's deposit franchise and consumer lending share.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Captex Bank social profiles
Digital presenceCaptex Bank compliance and trust
Trust signalCompliance1 record
Captex Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Captex Bank leadership team
Management profileNumber of profiles
Profiles2 records
Captex Bank funding detail
Funding detailFunding overview
Funding rounds2 records
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Captex Bank M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Captex Bank
What does Captex Bank do?
Captex Bank, operating as Community National Bank & Trust of Texas (CNB&T, MyBankTX), is a Texas-based community bank offering personal banking (checking, savings, and personal loans), business banking (business checking and commercial lending), mortgage products (purchase, construction, refinance, home equity), and wealth management services (trust, investment management, estate settlement). Banking services are delivered through a branch network across 18 Texas communities supplemented by online and mobile banking channels.
Is Captex Bank a public or private company?
Captex Bank is a private company. It is classified as private equity controlled and is currently operating.
When was Captex Bank founded?
Captex Bank was founded in 1964. It employs 11 to 50 people.
Where is Captex Bank based?
Captex Bank is headquartered in Fort Worth, United States, in the North America region.
How does Captex Bank make money?
Four revenue lines are on record. Interest Income is the primary driver. The others are deposit Account Fees, wealth Management Services and debit Card Rewards.
Who are Captex Bank's main competitors?
Direct peers on record are Independent Bank Group, Cadence Bank, Texas Capital Bancshares, Cullen/Frost Bankers (Frost Bank), Simmons First National Bank and Prosperity Bancshares. Broad incumbents are Wells Fargo, Bank of America and JPMorgan Chase. Ally Bank is listed as an emerging player.
Does Captex Bank have an API?
No public API is recorded for Captex Bank.