Lineage Bank
Lineage Bank is a privately held, locally chartered community bank in Franklin, Tennessee, serving individuals, families, and small to mid-size businesses in Williamson County and Middle Tennessee with personal and business deposit products, commercial and consumer loans, treasury management services, mobile and online banking, and FDIC-insured deposits.
- Company typePrivate
- Founded-
- HeadquartersFranklin, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Lineage Bank does
Lineage Bank is a privately held, locally chartered community bank headquartered in a single branch at 120 5th Ave N in downtown Franklin, Tennessee. It operates as the wholly-owned subsidiary of Lineage Financial Network, Inc., a Tennessee-incorporated bank holding company that came under majority control of Recap Financial Ventures, LLC in March 2026 via a recapitalization exceeding $30 million from local investors, with $15 million deployed as preferred stock and capital infusion. Leadership includes Kevin A. Herrington as President, CEO, and Chairman and Paul Hignutt as CIO, with Recap principals PJ Pratt Jr., Pamela Stephens, and Wesley Finch providing regional banking expertise and deep ties to Williamson County.
The bank's product set covers personal banking (Regular Checking, Interest Checking, Savings, Money Market, CDs, IRAs, and personal loans including auto, installment, construction, and home portfolio) and business banking (Business Checking, Business Interest Checking, Business Money Market, treasury management services such as Positive Pay, ACH/wire, Remote Deposit Capture, Quicken and QuickBooks downloads, fraud mitigation, and investment sweep accounts, plus commercial loans for CRE, business acquisition, equipment, working capital lines, and commercial vehicles). Delivery runs through the Franklin branch plus online banking at lineagebank.ebanking-services.com and a mobile banking app on Google Play and Apple App Store.
Revenue is generated from net interest income on the loan portfolio, monthly service charges on deposit accounts that fall below minimum-balance thresholds (typically $5-$15 per cycle), and fee-based treasury management services for business customers. The go-to-market is a relationship-driven community bank model: local decision-making for loan underwriting, civic partnerships with Leadership Franklin, DFA, Williamson County Animal Shelter, and Franklin Tomorrow, and a customer base of individuals, families, and small to mid-size businesses across Franklin, Williamson County, and the broader Middle Tennessee region. Deposits are FDIC insured up to $250,000 per depositor, and the bank disclosed a CCPA-aligned privacy posture.
Lineage Bank firmographics
Firmographics- Name
- Lineage Bank
- Legal name
- Lineage Financial Network, Inc.
- Website
- https://lineagebank.com
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Lineage Bank is a privately held, locally chartered community bank in Franklin, Tennessee, serving individuals, families, and small to mid-size businesses in Williamson County and Middle Tennessee with personal and business deposit products, commercial and consumer loans, treasury management services, mobile and online banking, and FDIC-insured deposits.
- Ownership category
- akta.pro rank
Lineage Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Depository Credit Intermediation (5221), Savings Institutions and Other Depository Credit Intermediation (52218), Savings Institutions and Other Depository Credit Intermediation (522180)
- 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
- Prime Unsecured Personal Loans (Installment) (FSAKAAAA), Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)
Keywords
Where Lineage Bank is headquartered
LocationHeadquarters
- HQ city
- Franklin
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Lineage 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, Others
Revenue model
- Interest Income: Traditional bank interest income from lending activities including commercial real estate loans, business acquisition financing, equipment loans, working capital lines of credit, auto loans, installment loans, and construction loans.
- Service Charges and Fees: Monthly service charges on checking and savings accounts when balance falls below minimum thresholds. Includes business checking fees, personal checking fees, and money market account maintenance fees.
- Treasury Management Services: Fee-based treasury management services including positive pay, ACH and wire services, remote deposit capture, fraud mitigation solutions, and investment sweep accounts for business customers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Business Checking - $1,000 minimum opening, $10 monthly service charge if balance falls below $1,000 |
| Subscription | Monthly | Business Interest Checking - $5,000 minimum opening, $12 monthly service charge if balance falls below $5,000 |
| Subscription | Monthly | Business Money Market - $15 monthly service charge if balance falls below $5,000 |
| Subscription | Monthly | Regular Checking - $100 minimum opening, $8 monthly service charge if balance falls below $500 |
| Subscription | Monthly | Interest Checking - $2,000 minimum opening, $12 monthly service charge if balance falls below $2,000 |
| Subscription | Monthly | Regular Savings - $5 monthly service charge if balance falls below $100 |
| Subscription | Monthly | Money Market - $5,000 minimum opening, $15 monthly service charge if balance falls below $5,000 |
| Subscription | Annual | Christmas Club Savings - No minimum, no service charge, annual interest |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
Lineage Bank product offering
Product offeringCore offering
Lineage Bank is a community-chartered bank in Franklin, Tennessee that provides personal banking products (checking, savings, CDs, IRAs, and personal loans) and business banking products (business checking, money market, commercial loans, and treasury management services). All deposits are FDIC insured up to $250,000 per depositor, and accounts are accessible through a physical branch, online banking platform, and iOS/Android mobile app.
Product overview
Lineage Bank is a community bank offering a unified suite of personal and business banking products through its online and mobile platforms. Personal offerings include checking accounts (Regular, Interest, Club), savings accounts, Certificates of Deposit, IRA accounts, and personal loans (auto, installment, construction, home portfolio). Business banking encompasses Business Checking, Business Interest Checking, Business Money Market, Small Business Banking, Business Loans (commercial real estate, acquisition financing), and Treasury Management Services including ACH, wire services, Positive Pay, Remote Deposit Capture, and Quicken/QuickBooks integration. All products are delivered through local Franklin, Tennessee decision-making with digital banking access via mobile app and online banking.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Checking Accounts Personal checking account options including Regular Checking ($100 minimum, $8 monthly fee), Interest Checking ($2,000 minimum, $12 monthly fee), and Club Checking ($5 minimum, no fee). Features include debit cards, unlimited transactions, online and mobile banking, mobile deposits, and bill pay. Targeted at individual consumers in Williamson County, Tennessee.
- Savings Accounts Savings products including Regular Savings ($100 minimum balance, $5 monthly fee if below), Christmas Club Savings (no minimum, interest-bearing with annual compounding), and Money Market ($5,000 minimum, $15 monthly fee if below, monthly interest). Targeted at individual consumers seeking FDIC-insured deposit growth.
- Certificates of Deposit (CDs) Fixed-term deposit accounts offering predictable returns with FDIC insurance up to $250,000. Features penalty-free withdrawal after term ends and higher rates than traditional savings. Targeted at individual consumers.
- IRA Accounts Traditional IRA retirement accounts with tax-advantaged growth, tax-deferred contributions, and FDIC insurance protection up to $250,000. Targeted at individual consumers planning for retirement.
- Personal Loans Personal loan products including Auto Loans, Installment Loans, Construction Loans, and Home Portfolio Loans offered with local banker guidance and personalized service. Targeted at individual consumers.
- Business Checking Business checking account with $1,000 minimum opening and $10 monthly fee if balance falls below $1,000. Includes no transaction limits, treasury management services, eStatement, and unlimited check writing. Targeted at local small to mid-size businesses.
- Business Interest Checking Interest-bearing business checking account with $5,000 minimum opening and $12 monthly fee if balance falls below $5,000. Targeted at local businesses holding operating cash balances.
- Business Money Market Business money market account with $5,000 minimum balance requirement and $15 monthly fee if balance falls below threshold. Targeted at local businesses seeking yield on operating reserves.
- Small Business Banking Comprehensive small business lending and banking package including lines of credit, equipment loans, working capital loans, commercial vehicle loans, and business DDA/savings accounts. Targeted at small businesses in Franklin and Williamson County.
- Business Loans Commercial lending products including Commercial Real Estate loans and Business Acquisition financing, supported by local decision-making and Middle Tennessee market expertise. Targeted at local business owners seeking growth capital.
- Treasury Management Services Cash management and operational services including Enhanced Internet Banking, Positive Pay, Investment Sweep Account, Fraud Mitigation Solutions, ACH and Wire Services, Remote Deposit Capture, Loan Management, Federal Tax Payments, and Quicken/QuickBooks Downloads. Targeted at local small to mid-size business customers.
- Mobile Banking App Mobile banking application enabling bill payments, check deposits, card management, and balance and transaction viewing. Available on iOS via the Apple App Store and on Android via Google Play. Targeted at personal and business banking customers.
- Online Banking Internet banking platform providing account access, bill pay, statement viewing, and transaction management for personal and business customers. Business login available at lineagebank.ebanking-services.com.
Companies that use Lineage Bank
Customer profileSegments3 records
Ideal customer profiles3 records
Lineage Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
Feature2 records
Lineage Bank partnerships and signals
Strategic signalScale indicators3 records
Recent moves5 records
Expansion highlights6 records
Lineage Bank competitors and assessment
Company assessmentDirect peers
- Atlantic Capital Bank: Southeast-focused commercial community bank targeting SMB and middle-market customers with treasury management and CRE lending; comparable product set to Lineage's business banking line.
- SmartBank: Tennessee-headquartered community bank offering consumer and business deposit accounts, treasury management, and local commercial lending across the Southeast; same community-bank positioning and customer profile.
- Wilson Bank & Trust: Tennessee community bank chartered in Lebanon with deep Middle Tennessee deposit franchise, full personal/business account suite, and local-decision commercial lending — directly comparable in size, geography, and product depth.
- FirstBank (Tennessee): Tennessee-headquartered community bank with parallel consumer/SMB checking, savings, and treasury management offerings targeted at similar Middle Tennessee markets; same relationship-led, locally chartered business model.
- Pinnacle Financial Partners: Nashville-based commercial bank serving the same Middle Tennessee SMB market with checking, treasury management, CRE, and C&I lending; comparable relationship-driven GTM in Williamson County, only at greater scale.
Broad incumbents
- Truist Financial Corporation: Top-five U.S. retail/commercial bank with full deposit, treasury, and consumer lending suite across the Carolinas/Tennessee; sets the competitive ceiling on local pricing and product expectations in Lineage's market.
- Regions Bank: Major Southeast regional bank with comparable consumer checking, savings, business banking, and treasury management suite; broader geographic footprint makes it the dominant incumbent competing for Williamson County deposits.
- First Horizon Bank: Large Tennessee-based regional bank with full retail, business, treasury, and wealth offerings; overlaps Lineage's deposit and treasury franchise but operates across multiple states at much greater scale.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Lineage Bank social profiles
Digital presenceLineage Bank compliance and trust
Trust signalCompliance2 records
Lineage Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Lineage Bank leadership team
Management profileNumber of profiles
Profiles2 records
Lineage Bank subsidiaries and ownership
Company hierarchySubsidiaries1 record
Lineage Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Lineage 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 Lineage Bank
What does Lineage Bank do?
Lineage Bank is a community-chartered bank in Franklin, Tennessee that provides personal banking products (checking, savings, CDs, IRAs, and personal loans) and business banking products (business checking, money market, commercial loans, and treasury management services). All deposits are FDIC insured up to $250,000 per depositor, and accounts are accessible through a physical branch, online banking platform, and iOS/Android mobile app.
Is Lineage Bank a public or private company?
Lineage Bank is a private company. It is classified as private equity controlled and is currently operating.
When was Lineage Bank founded?
Lineage Bank was founded in -1. It employs 11 to 50 people.
Where is Lineage Bank based?
Lineage Bank is headquartered in Franklin, United States, in the North America region.
How does Lineage Bank make money?
Three revenue lines are on record. Interest Income is the primary driver. The others are service Charges and Fees and treasury Management Services.
Who are Lineage Bank's main competitors?
Direct peers on record are Atlantic Capital Bank, SmartBank, Wilson Bank & Trust, FirstBank (Tennessee) and Pinnacle Financial Partners. Broad incumbents are Truist Financial Corporation, Regions Bank and First Horizon Bank.
Does Lineage Bank have an API?
No public API is recorded for Lineage Bank.
What industry is Lineage Bank in?
Lineage Bank's product category is Community Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings), with a secondary code of FSAKAAAA, Prime Unsecured Personal Loans (Installment). Its NAICS code is 5221 and its SIC code is 6022.