Table Rock Community Bank

What Table Rock Community Bank does

Table Rock Community Bank is a privately held, FDIC-insured community bank headquartered in Branson, Missouri, and a subsidiary of Alton Bancshares, Inc. It serves individuals, small and medium businesses, farmers, and homebuyers across southwest Missouri through a five-branch network spanning Branson, Kimberling City, Crane, Springfield, and Branson West, with community engagement extending to Hollister and Forsyth. The bank is currently pursuing a merger with First Community Bank of the Ozarks, which would expand the combined footprint to seven branches across southern Missouri, subject to regulatory approval.

The product portfolio is a standard community bank suite: personal and business checking, savings, and certificates of deposit, personal and business credit cards, and a lending menu covering consumer loans, business loans, agriculture loans, and residential mortgages (conventional, FHA, VA, USDA, and 203(k)). Digital banking is delivered through the TRCBank On the Go mobile app, a web-based online banking portal, SMS text banking, and remote deposit capture, secured with 128-bit encryption and multi-factor login identification. No public API, developer platform, or AI-driven functionality is documented.

The business model is interest-income-led, with fee income from deposit accounts and credit cards as secondary streams. Distribution is hybrid: physical branches are paired with self-serve digital channels for 24/7 access. Pricing is not publicly disclosed, but Internet Banking and Bill Payment are free to all customers. The bank's competitive positioning rests on local decision-making authority and community reinvestment of deposits rather than product differentiation or technology advantage.

Name

Table Rock Community Bank

Legal name

Table Rock Community Bank

Website

https://trcbank.com

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

11–50 employees

Short description

Table Rock Community Bank is a privately held, FDIC-insured community bank in southwest Missouri serving individuals, small businesses, farmers, and homebuyers through five branches and digital banking, with a pending merger to expand to seven branches.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022), Personal Credit Institutions (6141)

akta.pro primary industry

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

akta.pro secondary industries

Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB), Branch & In-Person Banking (Teller/ATM Networks) (FSABAAAE), Credit Cards & Revolving Credit (FSABAAAC)

Keywords

• Community banking services
• Deposit accounts
• Consumer lending
• Commercial lending
• Mortgage loans

Headquarters

HQ city

Kimberling City

HQ country

United States

HQ region

North America

Offices5 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 from Loans: Traditional banking revenue from interest earned on mortgage loans, business loans, consumer loans, and agriculture loans
2. Deposit Account Fees and Services: Fee income from checking accounts, savings accounts, CDs, and related banking services
3. Credit Card Services: Revenue from personal and business credit card transactions and related fees

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Table Rock Community Bank is a locally owned community bank offering personal and business deposit products (checking, savings, certificates of deposit) and a full suite of lending products including consumer loans, business loans, agriculture loans, and mortgage loans (conventional, FHA, VA, USDA). Deposit and lending services are delivered through five physical branches across southwest Missouri and supported by digital channels including mobile banking (TRCBank On the Go), online banking, SMS text banking, and remote mobile check deposit.

Product overview

Table Rock Community Bank operates as a community bank offering a unified portfolio of deposit and lending products through a multi-channel distribution model. The core offering comprises personal and business checking and savings accounts, certificates of deposit, and credit card products. Lending services span consumer loans, business loans, agricultural loans, and mortgage products including conventional, FHA, VA, and USDA programs. Digital banking access is delivered through the TRCBank On the Go mobile app, online banking portal, and text banking services. The bank differentiates through local decision-making authority, keeping deposits and lending decisions within the community rather than routing through centralized systems. No public API or developer platform is offered; all services are consumer-facing through branches and digital channels.

Differentiator

Problem solved

Functional benefit

Brands

• TRCBank On the Go: Mobile banking app enabling account access, fund transfers, loan payments, and bill pay from smartphones.
• TRCB
• TRCBank

Products and services

• Personal Checking Personal checking account services for individual customers, providing deposit holding, transaction processing, debit access, and integration with online and mobile banking features.
• Personal Savings Savings account offerings for individuals to deposit and accumulate funds with interest accrual.
• Personal Certificates of Deposit (CDs) Time deposit accounts for personal customers offering fixed interest rates for specified terms.
• Personal Credit Card Credit card products for personal use, offering purchasing power and revolving credit access for individual consumers.
• Business Checking Commercial checking account services tailored for business operations, transaction handling, and cash management needs of small and medium businesses.
• Business Savings Savings accounts designed for business entities to hold operating reserves and excess cash with interest accumulation.
• Business Credit Card Credit card offerings for business expenses, providing purchasing controls and expense tracking capabilities for small and medium businesses.
• Business Loans Commercial lending products including term loans and lines of credit for business expansion, equipment, working capital, and operational financing needs of local businesses.
• Consumer Loans Personal lending solutions for individual borrowing needs including auto loans, personal loans, and other consumer credit facilities.
• Agriculture Loans Specialized financing for agricultural operations including farm land, equipment, livestock, and operating expenses for farmers in southwest Missouri.
• Mortgage Loans Home financing products including conventional mortgages, FHA loans, VA loans, USDA loans, and 203(k) improvement loans for home purchases and refinances.

Quantifiable outcome

• Local loans processed without the delays of distant approvals - Shannon Steinert notes ability to close deals 'three days before the closing' when other banks fail to deliver

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

One partnership is on record.

• First Community Bank of the OzarkscoreStrategic or Co-development Partner · 24 May 2024Pending merger announced May 2024. Table Rock Community Bank and First Community Bank of the Ozarks have applied to merge both banks with anticipated merge date in the fourth quarter (subject to regulatory approval). The merger will create a 7-branch network spread across southern Missouri.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Regional players

• BTC Bank: Community bank serving western Missouri and eastern Kansas with agriculture, consumer, and business banking — comparable agricultural-lending focus and community-banking positioning.
• Equity Bank: Community/regional bank headquartered in Kansas with a growing Missouri presence; comparable community-banking model with agricultural and SMB lending focus.

Broad incumbents

• Simmons Bank: Regional bank with a significant Missouri retail presence offering deposit, lending, and treasury products; broader scale and product portfolio but overlapping customer segments in southwest Missouri.
• Commerce Bank: Kansas City-based regional bank with a Missouri retail network including southwest Missouri; larger scale, broader product suite, but overlapping consumer/SMB banking in Table Rock's geography.
• Arvest Bank: Regional community bank operating across Missouri and Arkansas with consumer, mortgage, and small-business banking; overlapping geographic presence and a broader branch footprint.

Direct peers

• OakStar Bank: Springfield, MO-based community bank serving southwest Missouri with deposit accounts, business and consumer lending, and digital banking — directly comparable in geography, scale, and product mix.
• Empire Bank: Springfield, MO-area community bank offering personal, business, and mortgage products with a similar local-decision-making value proposition. Direct geographic and product peer.
• Great Southern Bancorp: Headquartered in Springfield, MO; community/regional bank offering deposit, lending, and mortgage products in southwest Missouri. Most direct geographic peer and a publicly traded comparable.
• Guaranty Bank (Springfield, MO): Locally owned community bank serving the Springfield and southwest Missouri market with consumer, business, and mortgage banking — closely comparable to Table Rock's footprint and customer base.
• First Community Bank of the Ozarks: Community bank in southern Missouri announced as Table Rock's merger partner; directly comparable in footprint, product mix, and community-banking model. Operates in the same southwest Missouri markets.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 Table Rock Community Bank