Titan Bank
Titan Bank is a federally chartered national bank serving small and medium-sized businesses, commercial borrowers, and self-directed retirement investors nationwide through its online platform. It specializes in business deposit accounts, SBA loans, and non-recourse lending for self-directed retirement plans across all 50 states.
- Company typePrivate
- Founded1907
- HeadquartersMineral Wells, United States
- Headcount501–1,000
- GTM typeB2B
- OfferingServices
What Titan Bank does
Titan Bank, N.A. is a federally chartered national bank headquartered in Mineral Wells, Texas, with its largest office in Dallas. Founded in 1907, it operates as an online-first bank serving small and medium-sized businesses, commercial borrowers, self-directed retirement investors, and consumers in all 50 states. The bank is regulated by the Office of the Comptroller of the Currency, FDIC-insured, and designated as an SBA Preferred Lending Partner, recognized with the SBA Rising Star Award. Its core operating segments are business banking, SBA and commercial lending, self-directed retirement accounts (Solo 401k, IRA LLC, ROBS, Checkbook Controlled IRA) including non-recourse loans for retirement-plan real estate investing, and a niche offering for Canadian-owned US businesses. Two physical branches remain in Mineral Wells (HQ) and Dallas, while the majority of customer interaction is digital.
The technology stack is a web-based online banking platform with native iOS and Android apps supporting business and personal accounts. Differentiated features include same-day online account opening across all 50 states, multi-user permissioning with multi-approval workflows for wires and ACH, single-login visibility across subsidiary/affiliate accounts, free QuickBooks export, mobile check deposit, and fee-free access to 37,000+ MoneyPass ATMs. The platform is positioned as competitive with large-bank digital tooling while preserving relationship-driven service through phone-based live bankers.
Revenue is generated through net interest income on a commercial/SBA loan book (originations ranging $250K–$5M per loan, plus $500K+ non-recourse retirement loans), recurring deposit account economics (monthly fees waived with minimum balance thresholds), wire and transaction fees beyond free tiers, and ancillary treasury services for Canadian-owned accounts. Pricing is heavily fee-free, targeting SMBs frustrated with incumbent bank fees. Distribution combines self-serve digital acquisition via the website and application portals with inside-sales relationship management for SBA and commercial loans, supported by earned-media presence across Bloomberg, WSJ, CNBC, Reuters, and other tier-one outlets.
Titan Bank firmographics
Firmographics- Name
- Titan Bank
- Legal name
- Titan Bank, N.A.
- Website
- https://titanbank.com
- Company type
- Private
- Founded year
- 1907
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- Titan Bank is a federally chartered national bank serving small and medium-sized businesses, commercial borrowers, and self-directed retirement investors nationwide through its online platform. It specializes in business deposit accounts, SBA loans, and non-recourse lending for self-directed retirement plans across all 50 states.
- Ownership category
- akta.pro rank
Where Titan Bank is headquartered
LocationHeadquarters
- HQ city
- Mineral Wells
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Titan Bank business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Interest Income from Lending: Titan Bank generates primary revenue through interest income on commercial real estate loans, business loans, SBA loans, and other credit products. Loan sizes range from $250,000 to $5,000,000 for commercial lending.
- Business Deposit Account Fees: Monthly fees for business accounts, waived with minimum balance thresholds (e.g., $500 combined balance waives monthly fee). Some account types have monthly fees (e.g., Canadian-owned accounts at $14.95/month, waived above $2,500 balance).
- Wire Transfer and Transaction Fees: Fees for wire transfers beyond free limits (up to 25 domestic wires free per month). ATM fees waived at MoneyPass network.
- Non-Recourse Retirement Account Loans: Competitive non-recourse loans to self-directed retirement plan customers with real estate collateral, up to 60% LTV, minimum loan size $500,000.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Business Deposit Accounts - Free with $500 combined balance |
| Subscription | Monthly | Canadian Owned Accounts - $14.95/month |
| Subscription | Monthly | ATM Access - Free at MoneyPass ATMs |
| Subscription | Monthly | Personal Free Checking |
| Subscription | Monthly | Savings Accounts |
| Subscription | Monthly | Money Market Accounts |
| One time/ perpetual license | Monthly | Certificates of Deposit |
| Subscription | Monthly | Self-Directed Retirement Accounts |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels5 records
Titan Bank product offering
Product offeringCore offering
Titan Bank is a federally chartered national bank that provides commercial and small business lending, SBA loan programs, business and personal deposit accounts, self-directed retirement accounts, and specialized banking services for Canadian-owned U.S. accounts. The bank delivers its offerings nationwide primarily through online banking and mobile banking applications, with deposit and lending products underwritten under a federal bank charter regulated by the OCC and insured by the FDIC.
Product overview
Titan Bank is a nationally chartered bank offering a unified online banking platform with multiple product lines. The core offering comprises Business Deposit Accounts (including Canadian-Owned Accounts variants) and Personal Banking services, supplemented by Self-Directed Retirement Accounts (Solo 401k, IRA LLC, IRA Trust, ROBS) and Commercial Lending products (including SBA loans and non-recourse loans for retirement accounts). All services are delivered through a web-based Online Banking platform and mobile applications for iOS and Android, with no branch visit requirements for most customers.
Differentiator
Problem solved
Functional benefit
Products and services
- Business Deposit Accounts Operating deposit accounts for businesses, held at a federally chartered national bank under FDIC insurance, supporting day-to-day business treasury, wires, and cash management for small business customers nationwide.
- Commercial Loans Commercial term and working-capital loans underwritten by Titan Bank for small business borrowers nationwide, originated primarily through its online lending channel.
- SBA Loan Programs U.S. Small Business Administration (SBA)-guaranteed loan programs originated by Titan Bank, forming the cornerstone of its nationwide small business lending franchise and targeting small businesses that need government-backed financing.
- Personal Banking Personal deposit and banking services for individual consumers, delivered under FDIC insurance through Titan Bank's federally chartered national bank platform and accessible online and via mobile.
- Self-Directed Retirement Accounts Self-directed IRA and retirement account products offered by Titan Bank for individuals who want to manage their own retirement investments, held at a federally chartered national bank with FDIC-insured cash components.
- Canadian Owned Accounts U.S. business banking accounts tailored for businesses with Canadian ownership operating in the United States, addressing cross-border KYC and documentation friction through Titan Bank's federally chartered platform.
Quantifiable outcome
- Loan closing times as fast as 14 working days from approval (vs industry standard of 60-90 days for SBA loans)
- +4 more outcomes
Companies that use Titan Bank
Customer profileNamed customers14 records
Segments5 records
Ideal customer profiles3 records
Titan Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Feature6 records
Titan Bank partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- U.S. Small Business Administration (SBA)coreTitan Bank is a Preferred Lending Partner (PLP) of the SBA, which allows the bank to expedite approval and closing processes for SBA loans. This partnership enables faster SBA loan processing compared to traditional bank conventional loans. Titan Bank was recognized with the SBA Rising Star Award highlighting their close partnership and streamlined funding process.
Scale indicators5 records
Recent moves6 records
Expansion highlights5 records
Titan Bank competitors and assessment
Company assessmentDirect peers
- Bluevine: Bluevine is a digital-first SMB banking and lending platform offering business checking, lines of credit, and term loans to small businesses online — directly comparable to Titan's SMB banking and small-balance commercial lending model.
- Live Oak Bank: Live Oak Bank is an online-focused, FDIC-insured national bank specializing in SBA lending to small businesses across niche verticals — closely comparable to Titan's SBA Preferred Lending Partner model and small balance commercial lending focus.
- Relay Financial: Relay is a digital business banking platform offering fee-free checking, ACH/wires, multi-user permissions, and integrations targeting small businesses — directly comparable to Titan's online SMB banking value proposition.
- Grasshopper Bank: Grasshopper Bank is a digital-native commercial bank serving small businesses, startups, and the innovation economy with online banking and specialized lending — comparable to Titan's digital-first commercial banking model.
- First Internet Bank: First Internet Bank is a federally chartered, FDIC-insured online-only bank offering personal and business deposit products nationwide — a directly comparable digital-first chartered bank peer to Titan.
- NBKC Bank: NBKC Bank is an online-focused community bank offering fee-free business and personal banking with nationwide reach — directly comparable to Titan's digital-first, fee-light SMB banking model.
- North American Savings Bank: North American Savings Bank is a federally chartered bank offering online deposit accounts, CDs, and small balance commercial real estate loans — comparable to Titan in chartered bank status, online deposit focus, and small balance CRE lending.
Emerging players
- Mercury: Mercury is a digital banking platform (via partner banks) targeting startups and SMBs with online business accounts, wires, ACH, and integrations — a comparable SMB online banking competitor, though Titan holds a chartered national bank advantage.
Broad incumbents
- Axos Bank: Axos Bank is a large FDIC-insured digital bank offering a broad portfolio of business and personal banking products including SBA lending — a broader incumbent comparable in the digital commercial banking space.
- LendingClub Bank: LendingClub Bank (formerly Radius Bank) is an FDIC-insured digital bank offering business banking, personal loans, and savings — a comparable digital bank with broader consumer lending exposure.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Titan Bank social profiles
Digital presenceTitan Bank compliance and trust
Trust signalCompliance3 records
Titan Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Titan Bank leadership team
Management profileNumber of profiles
Profiles1 record
Titan Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Titan Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Titan Bank
What does Titan Bank do?
Titan Bank is a federally chartered national bank that provides commercial and small business lending, SBA loan programs, business and personal deposit accounts, self-directed retirement accounts, and specialized banking services for Canadian-owned U.S. accounts. The bank delivers its offerings nationwide primarily through online banking and mobile banking applications, with deposit and lending products underwritten under a federal bank charter regulated by the OCC and insured by the FDIC.
Is Titan Bank a public or private company?
Titan Bank is a private company. It is classified as unknown and is currently operating.
When was Titan Bank founded?
Titan Bank was founded in 1907. It employs 501 to 1,000 people.
Where is Titan Bank based?
Titan Bank is headquartered in Mineral Wells, United States, in the North America region.
How does Titan Bank make money?
Four revenue lines are on record. Interest Income from Lending is the primary driver. The others are business Deposit Account Fees, wire Transfer and Transaction Fees and non-Recourse Retirement Account Loans.
Who are Titan Bank's main competitors?
Direct peers on record are Bluevine, Live Oak Bank, Relay Financial, Grasshopper Bank, First Internet Bank, NBKC Bank and North American Savings Bank. Mercury is listed as an emerging player. Broad incumbents are Axos Bank and LendingClub Bank.
Does Titan Bank have an API?
No public API is recorded for Titan Bank.