Texas Security Bank

What Texas Security Bank does

Texas Security Bank is a privately held Texas community bank founded in 2008 (originally as Texas Trinity Bank) and headquartered in Dallas, operating four branches across the Dallas-Fort Worth metroplex: Dallas (Turtle Creek headquarters), Garland, North Dallas/Prestonwood Tower, and Southlake. The bank is a subsidiary of Texas Security Bankshares, Inc., holds approximately $1.1 billion in total assets as reported in 2023, and serves owner-managed businesses, entrepreneurs, SMBs, commercial real estate investors/developers, and residential mortgage borrowers with a relationship-led commercial banking model.

The core product suite spans digital banking (deposit accounts, treasury management, ACH/wire, positive pay), commercial lending (term loans, SBA 7(a), commercial real estate, lines of credit), residential mortgage origination, and a business education platform comprising the year-long TSB Academy executive program ($2,500/participant), a monthly Business Speaker Series webinar, and a resource center of white papers and book reviews. Technology infrastructure is built on the Q2 digital banking platform with Glia-powered digital customer engagement (chat, video, audio, co-browsing), TESSA virtual assistant, IntraFi network deposits, eMailACheck digital check rails, and a Business Insights cash forecasting tool launched March 2025.

Revenue mechanics are dominated by net interest income from the spread between loans and deposits, supplemented by deposit and treasury management fees, mortgage origination/servicing fees, and modest professional services revenue from the TSB Academy. The bank's go-to-market blends direct commercial lending teams, content-led marketing through education programs, community engagement (CRA, Spanish-language financial literacy, LiFE awards), and digital channels. Notable named relationships include ProPath (healthcare), RedBird Redevelopment ($13.5M CRE loan), Urban Towers Complex, and Unicorn Bags (SBA). Leadership is anchored by founder/CEO/Chairman Craig Scheef, President Drew Keith, CFO/COO Jamie Britton (ex-Texas Capital Bank), and Chief Banking Officer Ben Parkey.

Name

Texas Security Bank

Legal name

Texas Security Bank

Website

https://texassecuritybank.com

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

101–250 employees

Short description

Texas Security Bank is a privately held Dallas community bank with ~$1.1 billion in assets serving owner-managed businesses and SMBs across DFW through four branches, offering commercial lending, SBA loans, treasury management, and a unique business education platform built on Q2 digital infrastructure.

Ownership category

akta.pro rank

Product category

Commercial Banking

NAICS

Commercial Banking (522110)

SIC

State Commercial Banks (6022)

akta.pro primary industry

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

Keywords

• Commercial banking services
• Small business lending
• Treasury management services
• SBA loan programs
• Executive business education

Headquarters

HQ city

Dallas

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Net Interest Income: Primary revenue source from the spread between interest earned on loans (commercial real estate, SBA loans, term loans, lines of credit) and interest paid on deposits (checking, savings, CDs, money market accounts). As a $1.1 billion asset bank, interest income from lending activities is the core earnings driver.
2. Deposit Account Fees and Service Charges: Fees from commercial deposit accounts, wire transfers, ACH processing, and other transaction-based banking services. Includes treasury management fees for payables, disbursements, and collections services.
3. Mortgage Lending Revenue: Origination fees and servicing income from residential mortgage products offered through the bank's mortgage division.
4. Business Education Programs: TSB Academy executive leadership program generates $2,500 per participant for the year-long program. Speaker Series provides educational content to attract and retain business banking customers.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels6 records

Core offering

Texas Security Bank is a privately held community bank serving owner-managed businesses in the Dallas-Fort Worth metroplex through commercial banking, commercial lending (including SBA loans, commercial real estate loans, term loans, and lines of credit), treasury management, deposit accounts, and residential mortgages. The bank differentiates itself by pairing core financial services with a structured business education program (TSB Academy year-long executive leadership course and monthly TSB Business Speaker Series webinars) targeted at business owners.

Product overview

Texas Security Bank is a community bank offering a unified commercial banking platform focused on serving entrepreneurs and owner-managed businesses. The core product portfolio includes Digital Banking (online and mobile access via Q2 platform), Deposit Accounts, Treasury Management Services, Commercial Lending, and Mortgage products. The bank differentiates through educational add-on modules including TSB Academy (year-long executive leadership program), TSB Business Speaker Series (monthly webinars), and Business Insights (cash analysis and forecasting tool). Digital capabilities are enhanced by TESSA virtual assistant for 24/7 customer support, eMailACheck for digital check processing, and IntraFi for expanded deposit insurance. All services are integrated through the Q2 digital banking platform with a focus on relationship banking and business education.

Differentiator

Problem solved

Functional benefit

Brands

• TSB Academy: Year-long executive leadership program designed to help business owners take their business to the next level.
• TSB Business Speaker Series
• TSB Business Education

Products and services

• Commercial and Personal Deposit Accounts Commercial and personal checking, savings, and money market accounts with FDIC insurance coverage for businesses and consumers in the DFW market.
• Treasury Management Services

Quantifiable outcome

• Net Promoter Score 83+ vs. industry benchmark of 32
• +2 more outcomes

Named customers6 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

Integration7 records

AI capability5 records

Feature4 records

Partnerships

Eleven partnerships are on record, tiered core and minor.

• Q2coreTechnology or Integration · 8 March 2022Texas Security Bank implemented Q2's Innovation Studio, Marketplace and Accelerator program for digital banking solutions. Q2's platform provides online and mobile banking capabilities for commercial clients, enabling efficient banking operations and digital service delivery.
• GliacoreTechnology or IntegrationGlia provides Texas Security Bank's digital customer engagement solution, enabling seamless chat, video, audio, and phone communication with expert bankers from any website page. The Glia-powered solution delivers in-branch quality service from mobile devices and computers.
• IntraFi NetworkcoreTechnology or IntegrationIntraFi Network provides the Insured Cash Sweep (ICS) service allowing Texas Security Bank clients to access FDIC insurance coverage beyond the $250,000 limit. The bank's seamless integration allows clients to see and utilize ICS balances directly from the online banking system.
• Moody'scoreStrategic or Co-development PartnerTexas Security Bank uses Moody's formal credit training program including Foundations of Banking, Financial Accounting for Business Lenders, Business Lending, and Commercial Real Estate Lending for their Commercial Banking Analyst training program.
• Hunton Andrews Kurth LLPcoreImplementation/ SI/ Consulting PartnerCustomized loan documentation manual created by Hunton Andrews Kurth LLP for Texas Law is used for Loan Administration training, providing thorough documentation requirements for complex lending transactions including C&I Lending, SBA loan documentation, and real estate loan documentation.
• Q2coreTechnology or IntegrationNon-affiliate technology company providing digital banking infrastructure including online and mobile banking platforms, bill pay, and secure account access.
• University of North TexascoreStrategic or Co-development PartnerTexas Security Bank has a recruiting partnership through the university's banking program. CEO Craig Scheef serves on the Banking Advisory Board for the University of North Texas.
• Texas A&M UniversitycoreStrategic or Co-development PartnerTexas Security Bank has a recruiting partnership through the university's commercial banking program. SVP and Senior Credit Officer Chris Benson serves on the Commercial Banking Program Advisory Board at Texas A&M University.
• Texas Tech UniversityminorStrategic or Co-development PartnerUniversity banking program partnership for recruiting next generation banking talent.
• Texas Southern UniversityminorStrategic or Co-development PartnerUniversity banking program partnership for recruiting next generation banking talent.
• Sam Houston State UniversityminorStrategic or Co-development PartnerUniversity banking program partnership for recruiting next generation banking talent.

Scale indicators8 records

Recent moves9 records

Expansion highlights6 records

Direct peers

• Texas Capital Bancshares: Texas-focused commercial bank headquartered in Dallas serving businesses and executives across the state. Directly comparable to Texas Security Bank given overlapping DFW footprint, commercial lending focus, and relationship-based banking model; larger in scale but similar customer orientation.
• Independent Bank Group: Texas-headquartered community bank (McKinney) providing commercial banking, SBA lending, and treasury services to SMBs. Closely comparable to TSB in target customer (owner-managed businesses), product mix (CRE, C&I, SBA), and DFW market overlap.
• Southside Bancshares: Texas-based community bank holding company operating commercial and consumer banking branches primarily in East and North Texas. Comparable to Texas Security Bank in community bank positioning, Texas geography, and relationship-driven SMB lending.
• First Financial Bankshares: Abilene-headquartered Texas community bank operating a multi-branch network across the state. Comparable to TSB as a Texas commercial bank focused on SMB and consumer banking, though substantially larger in asset base.
• Guaranty Bancshares: Texas community bank holding company based in Mount Pleasant with a growing DFW presence, offering commercial and consumer banking. Directly comparable in target market (Texas SMBs), product set (CRE, SBA, treasury), and community banking culture.
• Origin Bancorp: Community-oriented financial holding company with operations across Texas, Louisiana, and Mississippi providing commercial, SBA, and treasury banking. Comparable in community bank model and SMB customer orientation, with overlapping Texas geography.

Broad incumbents

• Cadence Bank: Mid-sized regional bank with a significant Texas commercial banking franchise serving businesses, executives, and commercial real estate. Comparable in DFW commercial banking focus, but much larger and broader in geographic and product scope than TSB.
• Comerica: Large regional bank historically anchored in Dallas with significant commercial banking, treasury management, and CRE lending franchises. Comparable in DFW mid-market commercial banking focus, but operates at vastly greater scale with broader product offerings.
• PlainsCapital Bank: Texas-based commercial banking subsidiary of Hilltop Holdings with a strong DFW presence serving SMBs and middle-market companies. Comparable in target customer (Texas business owners) and commercial banking product mix, though broader in geographic reach.

Emerging players

• Third Coast Bank: Texas-focused community bank headquartered in Humble serving SMBs and professionals across the state. Comparable to TSB in Texas SMB focus and relationship-based model, though still scaling its branch and digital banking footprint.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/TXSecurityBank
• Facebookfacebook.com/people/Texas-Security-Bank/100063485259836
• LinkedInlinkedin.com/company/texas-security-bank
• Instagraminstagram.com/texassecuritybank

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles15 records

Subsidiaries1 record

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 Texas Security Bank