Susser Bank

What Susser Bank does

Susser Bank is a privately held, FDIC-insured regional bank founded in 1959 and headquartered in Arlington, Texas, operating across four Texas metropolitan markets — Houston, San Antonio, Dallas, and Round Rock. The bank provides a full suite of commercial and consumer banking products, including commercial loans, commercial real estate loans, construction financing, SBA loans, treasury management, business credit cards, and a dedicated Technology Banking vertical serving tech companies and startups. On the consumer side, it offers checking, savings, mortgages, consumer loans, personal credit cards, certificates of deposit, retirement (IRA) accounts, Zelle, Card Swap, telephone banking, and ClickSWITCH onboarding tools. Susser Bank operates a relationship-based distribution model with physical branches, dedicated market presidents/co-market executives in each Texas region, and a banker directory supporting direct outreach, complemented by 24/7 online and mobile banking channels. The bank makes money primarily through traditional net interest income (interest earned on commercial, real estate, construction, and consumer lending) supplemented by fee-based revenue from treasury management, credit cards, and other banking services. Leadership includes Sam Susser as Chairman and CEO and Carl Cravens as President and Chief Banking Officer, with recent senior hires (Dennis Stasio in Houston, Jerret Krouse in San Antonio) signaling active multi-market expansion in 2026. The bank's strategic emphasis is on long-term relationship banking in Texas, with technology-forward digital services layered on top of its community-bank foundation.

Name

Susser Bank

Legal name

Susser Bank

Website

https://susserbank.com

Company type

Private

Founded year

1959

Operating status

Operating

Headcount range

251–500 employees

Short description

Susser Bank is a privately held, FDIC-insured Texas regional bank founded in 1959, serving commercial and consumer customers across Houston, San Antonio, Dallas, and Round Rock with relationship-based lending, deposit, treasury management, and a dedicated technology banking vertical.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (522110), Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022)

akta.pro industry

PRIMARYFSABABAC

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

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Commercial Banking (SME & Middle Market)

SECONDARYFSABAAAA

Mass-Market Consumer Deposit Banking (Checking/Savings)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Retail Banking

Keywords

• Commercial banking services
• Personal banking services
• Commercial real estate lending
• Small business lending
• Treasury management

Headquarters

HQ city

Dallas

HQ country

United States

HQ region

North America

Offices4 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, real estate, construction, and consumer lending products
2. Fee-Based Banking Services: Non-interest income from treasury management, business credit cards, personal credit cards, and other banking service fees

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Susser Bank is a regional Texas community bank that provides commercial and personal banking products and services. For businesses, the bank offers commercial loans, commercial real estate loans, construction financing, SBA loans, treasury management, business credit cards, and online business banking. For consumers, the bank provides consumer loans, mortgages, personal credit cards, certificates of deposit, retirement accounts (IRAs), online banking, bill pay, Zelle, and telephone banking. The bank is FDIC-insured and operates with a relationship-based community banking approach.

Product overview

Susser Bank is a regional commercial and retail bank offering a comprehensive suite of banking products and services. The bank's product portfolio includes Commercial Banking services (commercial loans, commercial real estate loans, construction financing, treasury management, business CDs, online business banking, business bill pay, and business credit cards) and Personal Banking services (consumer loans, mortgages, personal credit cards, online banking, personal bill pay, Zelle, Card Swap, telephone banking, retirement accounts/IRA, and personal CDs). The bank also offers specialized Technology Banking services for tech companies and SBA Loans for small businesses. The bank operates with digital banking platforms supporting both business and consumer customers.

Differentiator

Problem solved

Functional benefit

Products and services

• Commercial Banking Comprehensive banking services for businesses including checking accounts, savings, and deposit products tailored to commercial clients across Texas.
• Commercial Loans Loans for business operational needs, equipment purchases, and working capital for commercial clients in Texas markets.
• Commercial Real Estate Loans Financing for commercial real estate acquisitions, refinances, and developments serving Texas-based businesses and real estate investors.
• Construction Financing Loans Construction financing for commercial and residential development projects in Texas markets.
• SBA Loans Small Business Administration loan programs providing government-backed financing for small businesses in Texas.
• Treasury Management Solutions Cash management, payment processing, and liquidity management services for business clients across Texas markets.
• Business Credit Cards Credit card products for business expenses and purchasing by commercial clients.
• Business Certificates of Deposit Time deposit accounts for businesses with fixed terms and competitive interest rates.
• Personal Banking Banking services for individual consumers including checking, savings, and deposit accounts.
• Consumer Loans Consumer loans including personal loans and lines of credit for individual banking customers.
• Mortgage Home financing and mortgage lending services for personal banking customers in Texas.
• Personal Credit Cards Credit card products for personal consumer spending.
• Personal Certificates of Deposit Time deposit accounts for personal savings with fixed terms.
• Retirement Accounts (IRA) Retirement savings accounts including Traditional and Roth IRA options for personal banking customers.
• Technology Banking Specialized banking services and financing solutions tailored for technology companies and startups in Texas.

Named customers8 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

Partnerships

One partnership is on record.

• OurCallingminorOthers · 16 July 2025Community volunteer partnership where Susser Bank's Dallas team participates in volunteer activities with OurCalling, an organization serving people experiencing homelessness by meeting them where they are.

Scale indicators2 records

Recent moves5 records

Expansion highlights6 records

Broad incumbents

• Comerica Bank: Comerica is a large regional bank headquartered in Dallas with significant Texas commercial banking operations. Comparable in Texas commercial-banking focus, but with a broader multi-state footprint and middle-market/corporate tilt that overlaps with Susser's mid-market segment.
• Simmons Bank: Simmons Bank is a regional bank with Texas operations offering commercial and consumer banking products. Overlaps with Susser in commercial lending, treasury management, and consumer banking, though operates across a broader multi-state footprint.
• BOK Financial: BOK Financial is a regional financial services company with major Texas presence offering commercial banking, treasury, and wealth services. Comparable in commercial banking and treasury management product set, but operates across multiple states and is significantly larger.
• Cadence Bank: Cadence Bank is a regional bank with significant Texas operations providing commercial, treasury, and consumer banking services. Overlapping products including SBA lending and commercial real estate, but operates across multiple states and is materially larger.
• Hilltop Holdings (PlainsCapital Bank): PlainsCapital Bank is a Texas-based commercial bank under Hilltop Holdings, offering commercial lending, treasury management, and wealth services. Comparable in commercial banking focus and Texas anchor, with a larger scale and broader holding-company services.

Direct peers

• Frost Bank (Cullen/Frost Bankers): Frost Bank is a Texas-headquartered regional bank offering commercial banking, consumer banking, and treasury management across major Texas metros. Same product mix, same geographic footprint, and a similar community-banking positioning, making it the most direct comparable to Susser Bank.
• Independent Bank Group: Independent Bank Group is a Texas-based community bank serving commercial and retail customers across the Dallas-Fort Worth and Houston metros. Highly comparable in size, community-banking approach, and Texas market focus.
• Texas Capital Bank: Texas Capital is a Texas-based commercial bank serving businesses and entrepreneurs with commercial lending, treasury services, and capital markets. Directly comparable in commercial-banking focus and Texas-centric footprint, with a higher-end corporate client mix.
• Prosperity Bancshares: Prosperity Bancshares is a Houston-based regional bank with deep Texas retail and commercial banking presence. Comparable in geographic concentration, community-banking model, and dual commercial/retail product set, though materially larger.
• First Financial Bankshares: First Financial is a Texas-based community bank with branches across many Texas markets including Abilene, Dallas-Fort Worth, Houston, and Central Texas. Closely comparable community/commercial banking model and Texas footprint, though somewhat larger.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/susserbank
• LinkedInlinkedin.com/company/susser-bank

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

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

M&A

Investments2 records

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

Frequently asked questions about Susser Bank