United Texas Bank

What United Texas Bank does

United Texas Bank (UTB) is a Dallas-based, privately held commercial bank founded in 1986 by Jeffrey Beck and operating under UTB Financial Holdings, Inc. Following its May 2025 conversion from a state-chartered to a nationally chartered bank supervised by the Office of the Comptroller of the Currency (OCC) — one of very few such conversions completed since the Dodd-Frank Act — UTB holds FDIC insurance, Federal Reserve master account access, and OCC-approved full trust powers. The bank operates a dual-segment model: a traditional Dallas-Fort Worth retail and small-business banking franchise (branches, online and mobile banking, checking, savings, loans, cash management, and a 1031 Exchange Qualified Intermediary through subsidiary UTB 1031) alongside an institutional digital asset and correspondent banking business.

The institutional franchise is the strategic center of gravity. UTB clears approximately $10 billion in monthly USD volume for foreign banks, OTC desks, and major cryptocurrency exchanges, and handles roughly $120 billion in annual crypto transactions across approximately five years of serving digital asset firms that major U.S. banks decline. Two proprietary, trademarked platforms anchor this business: UTB ATOMIC, a next-generation real-time settlement network for institutional clients with planned AI integration for anomaly detection and liquidity routing, and UTB PRISM SENTINEL, an AI-enabled BSA/AML and counterparty risk intelligence system. The bank also offers digital asset custody, stablecoin infrastructure (reserve custody, redemption, mint/burn agency) under full trust powers, and correspondent banking for foreign financial institutions.

Revenue derives from traditional net interest income (commercial and personal lending), correspondent banking transaction fees on approximately $120B in annualized volume, digital asset custody and settlement fees, trust services, and standard retail service charges. Go-to-market is relationship-based direct sales for institutional and commercial clients, supported by a hybrid digital and branch-based model for retail and small-business customers in the Dallas-Fort Worth market.

Name

United Texas Bank

Legal name

United Texas Bank

Website

https://utb.com

Company type

Private

Founded year

1986

Operating status

Operating

Headcount range

51–100 employees

Short description

United Texas Bank is a Dallas-based, OCC-chartered commercial bank providing traditional retail and business banking alongside institutional correspondent banking and digital asset custody, settlement, and stablecoin infrastructure for cryptocurrency firms, foreign banks, and fintech platforms.

Ownership category

akta.pro rank

Product category

Commercial Banking

NAICS

Commercial Banking (52211)

SIC

National Commercial Banks (6021), Finance Services (6199)

akta.pro primary industry

Digital Retail Banking (Online & Mobile) (FSABAAAF)

akta.pro secondary industries

Institutional Spot Exchanges & Broker-Dealers (FSADAAAC), Tokenized Bank Deposit & Commercial Bank Money Issuers (FSADADAB)

Keywords

• Community banking services
• Correspondent banking
• Digital asset custody
• Business cash management
• Real-time settlement

Headquarters

HQ city

Dallas

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Traditional bank interest income from commercial and personal lending activities, including commercial real estate loans, equipment financing, and personal loans.
2. Digital Asset Custody and Settlement: Fees for digital asset custody, stablecoin infrastructure, and real-time settlement services through UTB ATOMIC network for institutional crypto clients.
3. Trust Services: Full suite of fiduciary services including traditional financial securities custody, digital asset custody, and stablecoin services under full trust powers approved by OCC.
4. Transaction and Service Fees: Fees from wire transfers, ACH transactions, account service charges, and cash management services for business clients.
5. Correspondent Banking Services: USD clearing and settlement services for foreign banks, OTC desks, and major exchanges, with $10 billion monthly volume.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels6 records

Core offering

United Texas Bank is a Dallas-based FDIC-insured commercial bank providing traditional retail and business banking (checking, savings, loans, cash management) alongside institutional services including correspondent USD clearing, digital asset custody, stablecoin infrastructure, and real-time settlement through its proprietary UTB ATOMIC network. Following its 2025 OCC charter conversion, the bank now operates as a nationally chartered institution with full trust powers, serving cryptocurrency firms, stablecoin issuers, foreign banks, AI-native enterprises, and retail/commercial customers in the Dallas-Fort Worth area.

Product overview

United Texas Bank operates as a multi-channel banking institution offering a unified platform of traditional banking products and services alongside specialized institutional offerings. The core consumer and business banking suite includes online and mobile banking platforms, checking and savings accounts, personal and commercial loans, certificates of deposit, and individual retirement accounts. Business cash management services encompass ACH origination, wire transfers, Positive Pay fraud prevention, lockbox processing, remote deposit capture, and zero balance accounts. Specialized services include 1031 Exchange Accounts with Qualified Intermediary capabilities and Medical & Professional Banking for practitioners. Following its May 2025 OCC charter conversion, the bank expanded into proprietary institutional infrastructure including UTB ATOMIC™ real-time settlement network and UTB PRISM SENTINEL™ compliance system for serving cryptocurrency firms, digital asset companies, stablecoin issuers, and AI-native enterprises, with planned AI integration for anomaly detection and risk intelligence.

Differentiator

Problem solved

Functional benefit

Brands

• UTB ATOMIC: Proprietary next-generation real-time settlement network providing instant execution with access to legacy payment infrastructure and artificial intelligence for anomaly detection, predictive liquidity management, and intelligent routing.
• UTB PRISM SENTINEL
• UTB Mobile Banking
• UTB Online Banking
• UTB Bill Pay
• NOW Personal Checking
• UTB 1031 Exchange Account

Products and services

• Online Banking & Bill Pay

Quantifiable outcome

• $120 billion in annual crypto transactions processed
• +2 more outcomes

Named customers7 records

Segments8 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability3 records

Feature4 records

Scale indicators5 records

Recent moves7 records

Expansion highlights6 records

Market position

Competitive moat4 records

Key risks6 records

Key highlights2 records

Customer concentration

• Facebookfacebook.com/united-texas-bank-437646052978686
• LinkedInlinkedin.com/company/united-texas-bank
• Instagraminstagram.com/unitedtexasbank

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries2 records

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about United Texas Bank