Bank of Texas

What Bank of Texas does

Bank of Texas is a regional retail and commercial banking brand operating as a division of BOKF, NA (BOK Financial, NASDAQ: BOKF), a diversified financial services holding company headquartered in Tulsa, Oklahoma. The bank serves Texas consumers, small and medium-sized businesses, high-net-worth individuals, and commercial clients through a four-segment platform — Personal Banking, Business Banking, Wealth Management (via BOK Financial Advisors), and Commercial Banking — and is FDIC-insured and designated an Equal Housing Lender.

The product portfolio is organized around deposit gathering (Access, Select, Premier, Opportunity, Student, and Youth checking; Personal and Youth Savings; Money Markets; IRAs; promotional Certificates of Deposit at up to 3.85% APY), lending (mortgages, mortgage refinancing, home equity, auto loans, personal loans and lines of credit, and the Max Cash Preferred credit card), and digital banking services (Online Access, Mobile Access for iOS and Android, Mobile Deposit, Online Bill Pay, ExpressBank 24/7 telephone banking, Zelle P2P, Apple/Google/Samsung Pay, and QuickSave automatic savings with up to $250 annual bank match). Distribution combines physical banking centers throughout Texas with a digital platform and the 32,000+ ATM MoneyPass network. Partnerships with Mastercard, MoneyPass, Early Warning Services (Zelle), and FDIC underpin the operating stack, while community engagement (over $3M donated to United Way, 762 nonprofits supported, 56K+ employee volunteer hours) is a stated brand pillar.

The business model is primarily Net Interest Income — interest earned on the loan book net of interest paid on deposits — supplemented by transaction and service fees (overdraft protection transfers, non-network ATM surcharges, wire transfers, stop payments, paper statement fees, and credit card interchange) and ancillary bill pay and overdraft protection revenue. Go-to-market combines digital self-service onboarding with community-driven acquisition in Texas through local banking-center presence, competitive promotional deposit rates, and a differentiated student and youth segment focused on fee-free checking and savings. No standalone revenue, branch count, or deposit balance is publicly disclosed for Bank of Texas; financial information is reported only at the BOKF consolidated level.

Name

Bank of Texas

Legal name

BOKF, NA

Website

https://bankoftexas.com

Company type

Private

Founded year

1910

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Bank of Texas is a Texas-focused regional bank and division of BOK Financial (NASDAQ: BOKF), offering personal checking, savings, CDs, mortgages, auto loans, and credit cards to Texas consumers, businesses, and commercial clients via banking centers, a mobile and online platform, and a 32,000+ ATM network.

Ownership category

akta.pro rank

Product category

Regional Banking

NAICS

Commercial Banking (52211)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

Keywords

• Regional banking
• Consumer banking
• Commercial banking
• Wealth management
• Small business lending

Headquarters

HQ city

Dallas

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Net Interest Income: The primary revenue source is interest earned on loans (mortgages, auto loans, personal loans, home equity) minus interest paid on deposits (checking, savings, CDs). The bank offers competitive CD rates (e.g., 3.85% APY on 14-month promotional CD) and various checking/savings accounts.
2. Account and Service Fees: Fees from overdraft protection transfers, ATM transactions at non-network ATMs, wire transfers, stop payments, and paper statement fees ($3/month for student checking if mailed). Premier and Select checking accounts receive ATM fee refunds.
3. Credit Card Revenue: Revenue from Max Cash Preferred credit card including interchange fees on transactions and interest on revolving balances.
4. Bill Pay Services: Online Bill Pay is free for personal accounts; business accounts may have applicable fees. The service provides convenience for customers and drives account usage.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels7 records

Core offering

Bank of Texas is a regional bank operating as a division of BOKF, NA (BOK Financial) that provides deposit, lending, payment, and wealth management products to consumers, small businesses, and commercial clients in Texas. Its core offerings include checking, savings, CDs, IRAs, mortgages, personal and business loans, credit cards, treasury/cash management, and wealth advisory services, delivered through branches, online/mobile banking, mobile deposit, Zelle, ExpressBank, and a 32,000+ ATM MoneyPass network.

Product overview

Bank of Texas operates as a regional bank subsidiary of BOK Financial, offering a comprehensive suite of personal banking products organized around four core pillars: checking and savings accounts, loans and credit products, digital banking services, and wealth management. The checking account lineup includes Access Checking, Select Checking, Premier Checking, Opportunity Banking, Student Checking, and Youth Banking options. Savings offerings span Personal Savings, Youth Savings, Money Markets, IRAs, and Certificates of Deposit with promotional APY rates. Loan products include Mortgages, Mortgage Refinancing, Home Equity Lending, Auto Loans, Personal Loans and Lines of Credit, and Credit Cards. Digital banking is anchored by Online and Mobile Access, supplemented by Mobile Deposit, Online Bill Pay, ExpressBank telephone banking, ATM Network access, Overdraft Protection, Text Alerts, and QuickSave automatic savings. Wealth management services are provided through BOK Financial Advisors.

Differentiator

Problem solved

Functional benefit

Brands

• BOK Financial Advisors: Wealth management and investment advisory services offered through BOK Financial Advisors
• ExpressBank
• QuickSave
• Max Cash Preferred Card

Products and services

• Personal Checking Accounts Day-to-day transactional deposit accounts for individuals and households, with features such as debit cards, online and mobile access, and bill pay.
• Personal Savings and Money Market Accounts Interest-bearing deposit accounts for individual customers seeking short-to-medium term savings, with online and mobile access.
• Certificates of Deposit (CDs) Fixed-term time deposits for personal and business customers with fixed interest rates and maturities.
• Individual Retirement Accounts (IRAs) Tax-advantaged retirement deposit accounts for individuals, including traditional and Roth structures.
• Mortgage Loans Residential mortgage financing for home purchase and refinance for individual borrowers.
• Personal Loans and Lines of Credit Unsecured and secured personal borrowing products for individual customers to support liquidity and major purchases.
• Personal and Business Credit Cards Consumer and commercial credit card products with payment acceptance and revolving credit features.
• Online and Mobile Banking Digital banking platform for account access, bill pay, transfers, mobile deposit, and Zelle person-to-person payments for personal and business customers.
• ExpressBank Telephone Banking Self-service and assisted telephone banking channel for account inquiries, transfers, and transactions.
• Business Checking and Savings Accounts Transactional and savings deposit products for small and mid-sized businesses, with treasury and cash management features.
• Business Loans and Lines of Credit Working capital, term, and line-of-credit financing for small and mid-sized businesses.
• Commercial Real Estate Loans Financing for commercial real estate acquisition, development, and refinancing across Texas markets.
• Commercial Banking and Treasury Services Large-ticket commercial lending, treasury, cash management, capital markets, and deposits for middle-market and larger commercial clients.
• Wealth Management and Trust Services Investment management, trust, estate, and wealth planning services for affluent individuals, families, and businesses.

Quantifiable outcome

• Up to $250 annual savings match through QuickSave program
• +4 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature7 records

Partnerships

Six partnerships are on record, tiered core and minor.

• BOK FinancialcoreOthersBank of Texas is a division of BOK Financial (BOKF, NA), a major regional bank holding company. BOKF provides the technological infrastructure, banking products, and corporate resources that power Bank of Texas operations.
• Early Warning Services, LLC (Zelle)coreTechnology or IntegrationBank of Texas integrates Zelle peer-to-peer payment service, owned by Early Warning Services, LLC, enabling fast money transfers between bank accounts. Zelle is integrated directly into the Bank of Texas mobile app.
• MoneyPasscoreTechnology or IntegrationMoneyPass ATM network partnership provides Bank of Texas customers with free access to 32,000+ surcharge-free ATMs nationwide. Both deposit-taking and withdrawal capabilities available at MoneyPass ATMs.
• MastercardcoreTechnology or IntegrationBank of Texas issues Mastercard-branded debit and credit cards. Partnership includes Mastercard Zero Liability protection, contactless payment capabilities, and global acceptance. Digital wallet integration (Apple Pay, Google Pay, Samsung Pay) enabled through Mastercard.
• FDIC (Federal Deposit Insurance Corporation)coreOthersFDIC deposit insurance provides coverage up to $250,000 per depositor, backed by the full faith and credit of the U.S. Government. This regulatory partnership ensures customer deposits are protected.
• United WayminorOthersBank of Texas has donated over $3 million to United Way and supports 762 nonprofit organizations through employee volunteerism (56K+ volunteer hours).

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Comerica Bank: Historically a major Texas commercial bank with significant presence in Dallas and other Texas metros. Comparable in commercial banking and treasury services targeting middle-market and corporate clients in Texas.
• Prosperity Bank: Texas-based regional bank with a large branch network throughout the state. Highly comparable in terms of Texas geographic concentration, retail deposit franchise, and community-bank positioning targeting the same consumer and small-business segments.
• Texas Capital Bank: Texas-headquartered commercial bank with strong business and commercial banking focus. Comparable as a Texas-based competitor in commercial lending, treasury management, and the broader middle-market segment.
• Independent Bank Group: Texas-based regional bank holding company serving consumers and small businesses across North and Central Texas. Directly comparable in geographic footprint, retail banking model, and community positioning.
• Frost Bank: Texas-headquartered regional commercial bank owned by Cullen/Frost Bankers. Most directly comparable peer: similar Texas-only retail and commercial banking footprint, comparable community-brand positioning, and competing for the same Texas deposit and lending customers.

Regional players

• Cadence Bank: Regional bank with presence in Texas and the broader Southeast. Comparable in size, retail/commercial banking model, and community-bank positioning; useful for benchmarking peer regional-bank performance in adjacent geographies.

Broad incumbents

• Wells Fargo (Texas operations): Top-three U.S. bank with substantial Texas retail branch and commercial banking presence. Competes for consumer deposits, mortgages, and small business lending across Bank of Texas's core Texas metros.
• Bank of America (Texas operations): Major U.S. bank with significant Texas retail and commercial presence, including in Dallas, Houston, and Austin. Comparable as a competitor for retail deposits, credit cards, and commercial banking clients.
• JPMorgan Chase (Texas operations): The largest U.S. bank with massive retail and commercial presence in Texas. Competes for the same consumer, small business, and commercial deposits; broader product portfolio and digital scale make it a key incumbent competitor.

Emerging players

• Ally Bank: Digital-first challenger bank competing for Texas consumer deposits via online savings, CDs, and lending products. Comparable as a competitor for deposit gathering and as a digital alternative for retail banking customers.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/Bankoftexas
• YouTubeyoutube.com/user/bankoftexasvideo
• Facebookfacebook.com/bankoftexas
• LinkedInlinkedin.com/company/bank-of-texas

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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

M&A

Investments3 records

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

Frequently asked questions about Bank of Texas