Capstar Bank
Capstar Bank is a Nashville-based, publicly traded state chartered bank (NASDAQ: CSTR) founded in 2008 that provides personal and business banking products and services to retail and commercial customers across its Tennessee market footprint.
- Company typePublic
- Founded1834
- HeadquartersNashville, United States
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What Capstar Bank does
Capstar Bank is a state chartered, publicly traded bank (NASDAQ: CSTR) headquartered in Nashville, Tennessee. Founded in 2008 and operating with 101-250 employees, the bank provides personal and business banking products and services to retail and commercial customers in its market footprint. The franchise has historically emphasized community banking relationships, including a correspondent banking function evidenced at the senior vice president level.
The bank pursues growth through a combination of organic deposit gathering and lending, plus inorganic expansion. In 2018, Capstar acquired Athens Federal for approximately $113.5 million, extending its Tennessee banking presence. In July 2020, the bank raised $30 million in capital, supporting continued balance sheet expansion. The institution is publicly listed, giving it access to public capital markets as a funding source alongside deposits.
The business model is that of a traditional community bank, generating revenue primarily through net interest income (the spread between loan yields and deposit costs) and non-interest income from deposit account fees and other banking services. Customer segments include individual consumers (checking, savings, mortgages, consumer loans) and business/commercial clients (deposit accounts, commercial lending, treasury and cash management). GTM relies on physical branch presence, relationship-led commercial banking, and standard digital banking channels.
Capstar Bank firmographics
Firmographics- Name
- Capstar Bank
- Legal name
- Old National Bancorp
- Website
- https://capstarbank.com
- Company type
- Public
- Founded year
- 1834
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Capstar Bank is a Nashville-based, publicly traded state chartered bank (NASDAQ: CSTR) founded in 2008 that provides personal and business banking products and services to retail and commercial customers across its Tennessee market footprint.
- Ownership category
- akta.pro rank
Capstar Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (522110)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- Savings Banks (Public/State-Owned) (FSABAKAK)
Keywords
Where Capstar Bank is headquartered
LocationHeadquarters
- HQ city
- Nashville
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Capstar 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
Revenue model
- Net Interest Income: Interest earned on loans (mortgages, HELOCs, commercial loans) and investment securities, offset by interest paid on deposits. Core banking revenue stream from spread between lending rates and deposit rates offered.
- Non-Interest Income: Fees from deposit accounts (service charges), wealth management fees, treasury management fees, credit card fees, and interchange income from debit/credit card transactions.
- Wealth Management Services: Financial advisory, investment management, and private banking services generating fee-based revenue from clients.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Market Monitor Money Market Account - 3.25% APY with $20,000 minimum new money |
| One time/ perpetual license | Pay-as-you-go | 4-Month CD - 4.00% APY with $500 minimum deposit |
| Subscription | Monthly | ONB Preferred Checking - Interest-bearing account |
| Usage-based | Monthly | HELOC - Variable rate starting at 4.85% introductory APR |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels6 records
Capstar Bank product offering
Product offeringCore offering
Capstar Bank is a state-chartered bank headquartered in Nashville, Tennessee, providing personal and business banking products and services. Founded in 2008 and publicly traded on NASDAQ under ticker CSTR, the bank serves consumer and commercial clients through deposits, lending, and related financial services.
Differentiator
Problem solved
Functional benefit
Quantifiable outcome
- Earn up to $600 cash bonus for new personal checking accounts with qualifying direct deposits
- +4 more outcomes
Companies that use Capstar Bank
Customer profileNamed customers1 record
Segments2 records
Ideal customer profiles2 records
Capstar Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Capstar Bank partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered flagship and core.
- First Midwest BancorpflagshipFirst Midwest Bancorp merged with Old National Bancorp, with First Midwest Bank becoming a division of Old National Bank. This strategic combination expanded Old National's footprint across the Midwest, combining First Midwest's presence with Old National's existing operations to create a larger regional banking institution.
- FIS GlobalcoreFIS Global provides core banking technology infrastructure including Lockbox Portal, Image Services (Web CD), and Wealth Management platform access (Client Point, TrustDesk). Old National uses FIS systems for commercial remote deposit, statement imaging, and wealth management client portals.
- Elan Credit Card ServicescoreElan Credit Card Services provides credit card issuing and management services for Old National's consumer credit card products, including online card access and account management.
- FNBO (First National Bank of Omaha)coreFNBO provides credit card issuing services for Old National Bank credit cards, with dedicated card access portal at card.fnbo.com.
- LPL FinancialcoreOld National uses LPL Financial platforms for wealth management services including Account View and WealthVision for investment account access and management by wealth advisors and clients.
Scale indicators2 records
Recent moves3 records
Expansion highlights3 records
Capstar Bank competitors and assessment
Company assessmentMarket position
Competitive moat4 records
Key highlights5 records
Customer concentration
Capstar Bank social profiles
Digital presenceCapstar Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Capstar Bank leadership team
Management profileNumber of profiles
Profiles5 records
Capstar Bank subsidiaries and ownership
Company hierarchySubsidiaries1 record
Capstar Bank funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Capstar 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 Capstar Bank
What does Capstar Bank do?
Capstar Bank is a state-chartered bank headquartered in Nashville, Tennessee, providing personal and business banking products and services. Founded in 2008 and publicly traded on NASDAQ under ticker CSTR, the bank serves consumer and commercial clients through deposits, lending, and related financial services.
Is Capstar Bank a public or private company?
Capstar Bank is a public company. It is classified as public and is currently operating.
When was Capstar Bank founded?
Capstar Bank was founded in 1834. It employs 101 to 250 people.
Where is Capstar Bank based?
Capstar Bank is headquartered in Nashville, United States, in the North America region.
How does Capstar Bank make money?
Three revenue lines are on record. Net Interest Income is the primary driver. The others are non-Interest Income and wealth Management Services.
Does Capstar Bank have an API?
No public API is recorded for Capstar Bank.
What industry is Capstar Bank in?
Capstar Bank's product category is Community Banking. Its primary akta.pro industry code is FSABAKAK, Savings Banks (Public/State-Owned). Its NAICS code is 522110 and its SIC code is 6022.