The Bank of Tampa

Name

The Bank of Tampa

Legal name

The Bank of Tampa

Website

https://bankoftampa.com

Company type

Private

Founded year

1984

Operating status

Operating

Headcount range

251–500 employees

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022), National Commercial Banks (6021)

akta.pro primary industry

SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB)

akta.pro secondary industries

Direct Lending — Specialty Finance (Consumer/SME Lending Platforms) (FSAHAJAF), Private Banking Lending (Securities-Backed, Real Estate, Structured Credit) (FSABADAE)

Keywords

• Community banking services
• Commercial lending
• Wealth management services
• SBA lending
• Personal banking

Headquarters

HQ city

Tampa

HQ country

United States

HQ region

North America

Offices14 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. Interest Income: Traditional banking revenue from interest earned on loans including commercial loans, residential mortgages, SBA loans, personal loans, and lines of credit. The bank serves as an SBA Preferred Lending Partner for 7(a) and 504 loan programs.
2. Deposit Services: Fee income from personal and commercial deposit accounts, including checking, savings, money market accounts, and business deposit solutions.
3. Wealth Management: BT Wealth Advisors provides investment management, financial planning, and wealth advisory services through partnership with LPL Financial. Services include retirement planning, estate planning, and portfolio management.
4. Trust Services: Trust administration services including estate administration, fiduciary services, investment management, and escrow services for individuals and families.
5. Treasury Services: Commercial treasury services including payables management, receivables management, international banking services, and fraud protection.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

The Bank of Tampa is a privately held community bank founded in 1984 and headquartered in Tampa, Florida. It provides personal banking, commercial banking, wealth management, and trust services primarily to clients in the Tampa Bay area. The institution operates as a traditional relationship-based community bank with local decision-making authority.

Product overview

The Bank of Tampa is a community bank offering a comprehensive suite of banking products across personal, commercial, trust, and wealth management divisions. The core offerings include deposit accounts and credit solutions for both personal and business clients, supported by digital banking platforms (online and mobile). Commercial banking services encompass treasury services, SBA lending (7(a) and 504 programs as a Preferred Lending Partner), commercial real estate lending, middle market banking, aircraft financing, and Practice Solutions for healthcare professionals. Trust Services provides estate administration, fiduciary services, investment management, and escrow. BT Wealth Advisors (in partnership with LPL Financial) delivers wealth management and financial planning. Value-added services include Zelle® person-to-person payments, Remote Deposit Capture, and Lockbox Services for commercial clients.

Differentiator

Problem solved

Functional benefit

Brands

• BT Wealth Advisors: Wealth management and financial advisory services provided by non-commissioned advisors, offering comprehensive financial planning, investment management, and wealth advisory services.

Products and services

• Personal Banking
• Commercial Banking
• Wealth Management
• Trust Services

Quantifiable outcome

• $533 million+ in PPP loans funded for 3,202 clients during COVID-19 pandemic
• +2 more outcomes

Named customers3 records

Segments5 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Feature3 records

Partnerships

One partnership is on record.

• ZellecoreTechnology or IntegrationThe Bank of Tampa offers Zelle and Zelle for Small Business for quick, safe money transfers between bank accounts at different institutions.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Seacoast Banking Corporation of Florida: Florida-headquartered community bank offering commercial, consumer, SBA, and wealth management services across the state. Highly comparable in product mix and Florida regional focus, with larger scale providing a useful benchmark for The Bank of Tampa's SBA and CRE lending strategy.
• Cadence Bank: Mid-sized commercial bank with strong middle-market, SBA, and treasury management capabilities serving the Southeast U.S. Closely comparable to Bank of Tampa's middle-market banking and SBA Preferred Lending Partner positioning, though with broader geographic reach.
• SouthState Corporation (SouthState Bank): Southeast-focused commercial bank offering SBA lending, CRE, treasury, and wealth services across Florida and adjacent states. Direct peer given overlapping Florida footprint, SBA focus, and similar relationship-banking model targeted at SMBs.
• Pilot Bank: Tampa Bay-headquartered community bank competing directly with Bank of Tampa for SMB and consumer relationships in Hillsborough and Pinellas counties. Closest direct geographic and product peer in the local market.
• First Citrus Bank: Tampa Bay-area community bank offering commercial, personal, and SBA lending with comparable relationship-driven model. Direct competitor for the same SMB and professional services clients in Hillsborough and Pinellas counties.

Broad incumbents

• United Community Banks: Large Southeast-focused commercial bank with full suite of SBA, CRE, wealth, and treasury services. Comparable product breadth but materially larger scale and broader geography; serves as a benchmark for what scaled Bank of Tampa could become.
• Bank OZK: National CRE and SBA lending powerhouse with significant Florida presence. Comparable to Bank of Tampa's commercial real estate and SBA lending focus but with substantially larger scale and institutional investor base.
• Regions Bank: Super-regional bank with extensive Florida branch network and full commercial, SBA, and wealth capabilities. Competes with Bank of Tampa for middle-market and SMB relationships in overlapping Tampa Bay and Sarasota geographies.

Regional players

• Crews Bank & Trust: Florida-based community bank with similar privately-held structure, relationship-banking model, and emphasis on local decision-making. Comparable ownership and operating philosophy though focused on different Florida sub-markets.

Others

• LPL Financial: Independent broker-dealer and RIA platform that powers BT Wealth Advisors' investment offerings. Not a direct competitor but a key infrastructure/ecosystem partner whose platform economics and advisor retention directly affect Bank of Tampa's wealth fee stream.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/the-bank-of-tampa

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds1 record

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 The Bank of Tampa