Tandem Bank
Tandem Bank is a privately held, FDIC-insured community bank headquartered in Tucker, Georgia, serving individual consumers and small-to-medium businesses in the Atlanta metro area through three branches and a digital banking platform.
- Company typePrivate
- Founded2019
- HeadquartersTucker, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Tandem Bank does
Tandem Bank is a privately held, FDIC-insured community bank headquartered in Tucker, Georgia, serving individual consumers and small-to-medium businesses in the Atlanta metropolitan area through three physical branches in Tucker, Decatur, and Peachtree Corners, supplemented by a digital banking platform (my.tandem.bank), iOS and Android mobile applications, and a dedicated Treasury Services portal for business clients. Founded by Charles DeWitt, who serves as Founder and CEO, the bank's product suite spans personal banking (deposit accounts, personal loans, credit cards), business banking (commercial loans, treasury management, business credit cards), and a secure file upload channel for encrypted customer communications, with commercial loan origination handled through a Formstack-powered online application. The bank's go-to-market is local relationship banking, combining expert bankers with digital channels, and the institution recently completed a merger with Georgia Banking Company to expand its presence in the Georgia market. Revenue is generated through traditional community-bank mechanics — net interest income on loans and credit products plus transaction and service fees on deposit accounts, credit cards, and treasury services — and a new Finance Chief (Ryan Heaps) was appointed in February 2026, indicating post-merger organizational buildout. The bank is privately held with no disclosed institutional investors, public ticker, or parent company.
Tandem Bank firmographics
Firmographics- Name
- Tandem Bank
- Legal name
- Tandem Bank
- Website
- https://tandem.bank
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Tandem Bank is a privately held, FDIC-insured community bank headquartered in Tucker, Georgia, serving individual consumers and small-to-medium businesses in the Atlanta metro area through three branches and a digital banking platform.
- Ownership category
- akta.pro rank
Tandem Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (522110), Commercial Banking (52211)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- Branch & In-Person Banking (Teller/ATM Networks) (FSABAAAE)
- akta.pro secondary industry
- Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)
Keywords
Where Tandem Bank is headquartered
LocationHeadquarters
- HQ city
- Tucker
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
Tandem Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- Interest Income: Traditional bank lending revenue from interest on business loans, personal loans, and credit products
- Banking Fees and Service Charges: Fees from deposit accounts, credit cards, treasury services, and other banking products
- Digital Banking Services: Revenue from digital banking platform services including online banking, mobile apps, and treasury management
Go-to-market motion1 record
Distribution channels4 records
Marketing channels3 records
Tandem Bank product offering
Product offeringCore offering
Tandem Bank is a privately held, FDIC-insured community bank serving the Atlanta, Georgia metropolitan area. It provides personal banking and business banking products — including deposit accounts, consumer and business credit cards, commercial loans, and treasury management services — delivered through three physical branches in Tucker, Decatur, and Peachtree Corners as well as online and mobile digital banking channels.
Product overview
Tandem Bank operates as a community bank offering a unified banking platform with multiple service modules. The core portfolio includes Personal Banking and Business Banking services, supported by digital channels (Online Banking/Digital Banking and Treasury Services for business clients), Credit Cards (both Consumer and Business variants), and Commercial Loans. Additional modules include Secure File Upload for encrypted customer communications and Banking Forms & Applications for account opening and loan processing. The bank combines personal service with digital technology to serve both individual consumers and business clients in the Atlanta, Georgia metropolitan area. The merger with Georgia Banking Company expanded the bank's market presence.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Banking Banking services for individual consumers in the Atlanta area, including deposit accounts (checking, savings), personal loans, credit cards, and digital banking access via branch, web, and mobile channels.
- Business Banking Comprehensive banking solutions for local businesses, including commercial lending, business deposit accounts, business credit cards, treasury management, and business advisory services to support growth and operations.
- Online and Mobile Digital Banking Digital banking platform allowing personal and business customers to access accounts, transfer funds, pay bills, and manage finances from any device at any time, available via web portal and native iOS and Android mobile apps.
- Treasury Services Treasury management solutions for business clients providing tools to manage cash flow, payments, and liquidity through a dedicated treasury banking platform at treasury.tandem.bank.
- Credit Cards (Consumer and Business) Credit card products offered to both individual consumers and business clients, with self-service management through dedicated consumer (consumer.cardservices.bank) and business (business.cardservices.bank) card portals.
- Commercial Loans Commercial lending products including term loans and credit facilities for local businesses, with applications submitted online through a Formstack-based workflow.
Companies that use Tandem Bank
Customer profileNamed customers3 records
Segments2 records
Ideal customer profiles2 records
Tandem Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Tandem Bank partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Georgia Banking CompanycoreGeorgia Banking Company merged with Tandem Bank, creating a combined banking entity. The merger was completed as announced on the company's website, expanding Tandem Bank's presence and capabilities in the Georgia market.
Scale indicators1 record
Recent moves6 records
Expansion highlights4 records
Tandem Bank competitors and assessment
Company assessmentBroad incumbents
- Cadence Bank: Regional bank with significant Southeast presence including Georgia, offering commercial banking, treasury management, and consumer products. Broader incumbent comparable on product mix and geography.
- First Horizon Corporation: Large regional bank with community banking roots across the Southeast. Comparable as an incumbent in the same competitive set facing the same SMB and consumer banking dynamics, though at substantially larger scale.
Regional players
- Renasant Corporation: Community-focused bank with operations across the Southeast including Georgia. Similar in operating as a relationship-driven community bank with commercial and consumer banking, though at meaningfully larger scale.
- United Community Banks: Regional bank headquartered in Georgia with a deep Southeast US branch network and strong SMB/community banking franchise. Directly comparable as a Southeast-focused community bank serving SMBs and consumers, though at much larger scale than Tandem.
- Ameris Bancorp: Georgia-headquartered community bank with a Southeast regional footprint and focus on SMB banking. Comparable to Tandem in geographic concentration in Georgia and SMB-centric relationship banking model.
- Colony Bankcorp: Georgia-based community bank serving SMBs and consumers across middle/south Georgia with relationship banking focus. Directly comparable as a Georgia-headquartered community bank serving local businesses and individuals.
Direct peers
- Atlantic Capital Bancshares (now First Citizens): Atlanta-headquartered commercial bank with SMB and treasury management focus before its acquisition by First Citizens. Direct comparable as an Atlanta-based commercial/SMB banking competitor with similar target market.
- Live Oak Bancshares: Digital-forward community bank focused on small business lending and modern banking experience. Comparable to Tandem on SMB targeting, commercial lending focus, and digital/branch hybrid model.
- ServisFirst Bancshares: SMB-focused commercial bank with relationship-driven model and treasury management offerings. Closely comparable to Tandem in target customer (local SMBs), product mix (commercial loans + treasury), and emphasis on local banker relationships.
- Pinnacle Financial Partners: Community bank famous for relationship-banking model serving SMBs and consumers, with emphasis on local banker-driven service. Direct comparable to Tandem's positioning against 'big bank' experiences, though operating at larger scale.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Tandem Bank social profiles
Digital presenceTandem Bank compliance and trust
Trust signalCompliance4 records
Tandem Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Tandem Bank leadership team
Management profileNumber of profiles
Profiles2 records
Tandem Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Tandem 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 Tandem Bank
What does Tandem Bank do?
Tandem Bank is a privately held, FDIC-insured community bank serving the Atlanta, Georgia metropolitan area. It provides personal banking and business banking products — including deposit accounts, consumer and business credit cards, commercial loans, and treasury management services — delivered through three physical branches in Tucker, Decatur, and Peachtree Corners as well as online and mobile digital banking channels.
Is Tandem Bank a public or private company?
Tandem Bank is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Tandem Bank founded?
Tandem Bank was founded in 2019. It employs 11 to 50 people.
Where is Tandem Bank based?
Tandem Bank is headquartered in Tucker, United States, in the North America region.
How does Tandem Bank make money?
Three revenue lines are on record. Interest Income is the primary driver. The others are banking Fees and Service Charges and digital Banking Services.
Who are Tandem Bank's main competitors?
Broad incumbents on record are Cadence Bank and First Horizon Corporation. Regional players are Renasant Corporation, United Community Banks, Ameris Bancorp and Colony Bankcorp. Direct peers are Atlantic Capital Bancshares (now First Citizens), Live Oak Bancshares, ServisFirst Bancshares and Pinnacle Financial Partners.
Does Tandem Bank have an API?
No public API is recorded for Tandem Bank.
What industry is Tandem Bank in?
Tandem Bank's product category is Community Banking. Its primary akta.pro industry code is FSABAAAE, Branch & In-Person Banking (Teller/ATM Networks), with a secondary code of FSAKAAAL, Bank & Credit Union Personal Loans (Unsecured Installment). Its NAICS code is 522110 and its SIC code is 6022.