TBK Bank

What TBK Bank does

TBK Bank, SSB is a Texas state savings bank headquartered in Dallas, Texas, operating as a wholly-owned banking subsidiary of Triumph Financial, Inc. (Nasdaq: TFIN). The bank runs 63 branch locations across six states — Colorado, Illinois, Iowa, Kansas, New Mexico, and Texas — and serves individual consumers, small and medium-sized businesses, commercial enterprises, agricultural operators, and community associations with deposit, lending, and treasury management products.

The product set spans personal checking tiers (AIM, Everyday, Launch), savings, money market, CDs, and an HSA; consumer lending including mortgages, HELOCs, auto, RV/boat, and personal loans; credit cards issued through Elan Financial Services; and an extensive commercial book covering commercial loans, community association loans, commercial real estate loans, agricultural loans, equipment finance and loans, and mortgage warehouse facilities. Treasury management is delivered through the Commercial Center, Small Business Center, TBK Business Mobile app, and payables/receivables/liquidity management modules, with fraud prevention and QuickBooks/Quicken integration.

TBK monetizes primarily through interest income on its lending portfolio (warehouse, CRE, agricultural, consumer, and credit card balances), transaction and account fees on deposits (monthly service charges, wire, overdraft), treasury management and cash management fees for commercial clients, and credit card interchange from the Elan partnership. Distribution is omnichannel: physical branches for relationship banking, telephone banking for inside sales, and self-serve online and mobile platforms augmented by Zelle real-time payments, Apple/Samsung/Google Pay wallet support, and accounting-software sync. GTM combines local community engagement with digital account-opening funnels, supported by referral bonus programs and social/content marketing.

Name

TBK Bank

Legal name

TBK BANK, SSB

Website

https://tbkbank.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

TBK Bank is a Texas state savings bank and wholly-owned subsidiary of Triumph Financial (Nasdaq: TFIN), operating 63 branches across six Midwestern and Southwestern states to serve consumer, small business, commercial, agricultural, and community association customers with deposit, lending, and treasury management products.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Savings Institutions and Other Depository Credit Intermediation (52218)

SIC

Savings Institutions, Not Federally Chartered (6036)

akta.pro primary industry

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

akta.pro secondary industries

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA), Credit Cards & Revolving Credit (FSABAAAC)

Keywords

• Community banking services
• Commercial real estate lending
• Mortgage warehouse lending
• Personal banking products
• Agricultural loans

Headquarters

HQ city

Dallas

HQ country

United States

HQ region

North America

Offices7 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income from Loans: Primary revenue stream from interest earned on mortgage warehouse lending, commercial real estate loans, agricultural loans, and consumer lending products including credit cards issued through Elan Financial Services
2. Core Banking Fees: Monthly service charges on deposit accounts including checking and savings accounts, wire transfer fees, overdraft fees, and other transaction-based fees
3. Credit Card Interchange: Revenue share from credit card transactions processed through the Elan Financial Services partnership for TBK Bank branded cards
4. Treasury Management Services: Fee income from commercial treasury management services including cash management, wire transfers, and business banking services

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels4 records

Core offering

TBK Bank is a community savings bank that provides consumer and commercial banking products and services—including deposit accounts (checking, savings, money market, CDs), personal and commercial lending (mortgages, HELOC, auto, RV/boat, commercial, CRE, agriculture, equipment, mortgage warehouse), treasury management, and credit cards—delivered through 63 branch locations across six states complemented by online and mobile digital banking platforms.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking Accounts A suite of personal checking account products (including AIM Checking, Everyday Checking, and Launch Checking) for individual consumers, offering features such as interest, ATM fee refunds, direct deposit, debit cards, and mobile deposit with monthly service charges that can be waived under qualifying conditions.
• Personal Savings Accounts and Money Market Accounts Personal savings accounts and money market accounts for individual consumers, providing interest-bearing deposit options with monthly maintenance charges and withdrawal limits on standard savings accounts.
• Certificates of Deposit (Personal CDs) Personal certificates of deposit offered to individual savers seeking fixed-term deposit products with predetermined interest rates.
• Premier Health Savings Account (HSA) A health savings account product for individuals who want a tax-advantaged way to save and pay for qualified medical expenses, offered through TBK Bank's personal savings menu.
• Personal Loans Unsecured or general-purpose personal installment loans for individual borrowers financing life events or consolidating debt.
• Mortgage Loans Residential mortgage loan products for consumers purchasing or refinancing homes, offered through TBK Bank's personal loan menu.
• Home Equity Line of Credit (HELOC) Revolving credit lines secured by home equity, allowing individual homeowners to access funds for renovations, debt consolidation, or other needs.
• Auto Loans Auto loans for consumers to finance the purchase of personal vehicles, offered through TBK Bank's personal loan menu.
• RV and Boat Loans Specialized installment loans for consumers to finance the purchase of recreational vehicles and boats.
• Personal Credit Cards TBK Bank branded personal credit cards issued through a partnership with Elan Financial Services, providing Visa/Mastercard network transactions and cardholder services to individual consumers.
• Business Checking Accounts Business checking account products (including Business Interest Checking, Business Checking, Business Basic Checking, and Commercial Checking) for small to mid-sized businesses, offered through TBK Bank's business banking menu.
• Business Savings, Money Market, and CDs Business savings accounts, money market accounts, and certificates of deposit for commercial depositors seeking interest-bearing business deposit options.
• Commercial Loans Commercial loan products for businesses requiring working capital or general commercial financing, offered through TBK Bank's business loan menu.
• Commercial Real Estate Loans Commercial real estate loan products for borrowers financing or refinancing income-producing or owner-occupied commercial properties.
• Agriculture Loans Agricultural loan products (farm operating loans, land financing, and crop loans) for farmers, ranchers, and agribusiness borrowers in the Midwest and Southwest.
• Equipment Finance and Equipment Loans Equipment finance and equipment loan products that enable businesses to finance purchases of equipment and machinery.
• Mortgage Warehouse Facilities Mortgage warehouse credit facilities for independent mortgage originators needing short-term funding for residential mortgage pipelines.
• Community Association Banking and Loans Deposit accounts and lending products specifically designed for community associations, HOAs, and similar organizations requiring banking relationships.
• Treasury Management Services A bundled suite of treasury management services for business banking clients, including Commercial Center, Small Business Center, TBK Business Mobile, payables solutions, receivables solutions, fraud prevention, and liquidity management.
• Business Credit Cards Business credit cards for commercial clients, offered through TBK Bank's business services to support business spending and cash flow management.
• Merchant Services Merchant card payment acceptance services for business banking clients, supporting in-person and card-not-present transactions.
• Online Banking Internet banking platform enabling personal and business customers to manage accounts, pay bills, transfer funds, view statements, and conduct banking transactions online.
• Mobile Banking Native mobile banking applications for iOS and Android enabling customers to deposit checks, manage accounts, transfer funds, pay bills, and access banking services on mobile devices.
• Zelle Real-Time Payments Real-time person-to-person payment service integration through the Zelle network, enabling customers to send and receive money quickly and securely from within TBK Bank's online and mobile banking platforms.

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature8 records

Partnerships

Three partnerships are on record, tiered core and minor.

• Elan Financial ServicescoreTechnology or IntegrationProvides credit card issuing services for TBK Bank branded credit cards. Elan handles card processing, network relationships (Visa/Mastercard), and cardholder services while TBK Bank offers cards to its customer base.
• Early Warning Services (Zelle)coreTechnology or IntegrationProvides Zelle real-time payment integration allowing TBK Bank customers to send and receive money quickly and securely through the bank's online and mobile banking platforms.
• Wells FargominorOthersCorrespondent banking relationship where Wells Fargo provides certain processing services and banking infrastructure support for TBK Bank operations.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Southside Bancshares: Texas-based community bank holding company (NYSE: SBSI) operating branches across Texas with a focus on consumer and commercial lending, including CRE — overlapping footprint and product set with TBK.
• Prosperity Bancshares: Texas-headquartered community bank (NYSE: PB) with a substantially larger branch network across Texas and Oklahoma, pursuing a similar relationship-banking, deposit-funded, and M&A-driven growth model.
• Simmons First National: Arkansas-headquartered community bank (Nasdaq: SFNC) operating across the South and Midwest with similar community banking, consumer, and commercial product offerings, including ag-related lending.
• Pinnacle Financial Partners: Tennessee-headquartered community bank (Nasdaq: PNFP) operating across the Southeast/Mid-South with a similar relationship-driven, multi-state community banking model serving consumer, SMB, and commercial segments.
• Independent Bank Group: Texas-headquartered community bank holding company (Nasdaq: IBTX) operating a similar multi-state Texas/Midwest/Southeast footprint with comparable consumer, SMB, and commercial banking products. Closest like-for-like peer given overlapping markets and product mix.
• Stock Yards Bancorp: Kentucky-based community bank (Nasdaq: SYBT) with a comparable relationship-driven model across consumer, commercial, and wealth segments; similar mid-sized regional community bank profile.
• First Financial Bankshares: Texas-based community bank (Nasdaq: FFIN) with a similar model of relationship banking across multiple Texas metros, comparable deposit-gathering approach, and overlapping commercial/SMB lending verticals.
• Veritex Holdings: Dallas-headquartered community bank (Nasdaq: VBTX) serving Texas and the broader Southwest with similar consumer, small business, and commercial banking offerings, including CRE lending. Directly comparable in geography, scale, and product set.

Broad incumbents

• Cullen/Frost Bankers: Large Texas-based regional bank (NYSE: CFR) with overlapping Texas/HSO market presence. Larger and broader, but competes directly in Texas consumer and commercial banking.
• BOK Financial: Tulsa, OK-based regional financial holding company (Nasdaq: BOKF) with a multi-state commercial and consumer banking franchise, including significant CRE and energy lending exposure — overlapping verticals with TBK.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCWyu52Zt9wm8_BQM3ol7Iwg
• Facebookfacebook.com/TBK-Bank-1239485789434820
• LinkedInlinkedin.com/company/tbk-bank
• Instagraminstagram.com/tbkbank
• Xx.com/TBK_Bank

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about TBK Bank