Inwood National Bank

What Inwood National Bank does

Inwood National Bank is a privately held community bank headquartered in Dallas, Texas, founded in 1963, serving the Dallas-Fort Worth metroplex with personal, business, and mortgage banking services. Its core product lines include personal checking, savings, and CDs; business banking with treasury services and Remote Deposit Capture; and home mortgage products for purchase, construction, refinance, and improvement. Distribution is split between physical branches and self-service digital channels, with mobile applications available on iOS and Android, a web-based online banking platform, and phone-based customer support.

The bank's underlying technology stack is conventional for the sector: a third-party online banking platform (with online enrollment and credential management), native mobile applications, and a ProfitStars SmartPay integration powering Remote Deposit Capture for commercial customers. There is no disclosed proprietary technology, AI/ML capability, or API platform; the bank emphasizes fraud-prevention communications (telephone spoofing alerts, wire transfer fraud notices) rather than technology-driven differentiation. Regulatory and trust features include FDIC insurance, Equal Housing Lender designation, and NMLS #462920 mortgage registration.

The revenue model is a traditional community-bank mix: net interest income from consumer, commercial, and mortgage lending; deposit account fees and service charges; mortgage origination fees; and treasury management fee income. Pricing is not publicly disclosed and is set per inquiry, reflecting relationship-based commercial banking norms. The bank has no parent company, no disclosed funding rounds, no acquisitions or M&A activity, and no public revenue or asset figures in the available data. Strategic activity centers on community reinvestment, notably a 2025 partnership with the Federal Home Loan Bank of Dallas to co-fund $271,000 in grants to eight DFW nonprofits alongside five peer member banks.

Name

Inwood National Bank

Legal name

Inwood National Bank

Website

https://inwoodbank.com

Company type

Private

Founded year

1963

Operating status

Operating

Headcount range

251–500 employees

Short description

Inwood National Bank is a privately held community bank headquartered in Dallas, Texas, serving the Dallas-Fort Worth metroplex with personal banking, business banking, and mortgage products distributed through branches and digital channels.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (522110)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB)

akta.pro secondary industry

Corporate Cash Management & Treasury Services (FSAMAOAA)

Keywords

• Community banking services
• Personal banking products
• Commercial lending services
• Mortgage loan products
• Treasury management services

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

Revenue model

1. Interest Income from Loans: Traditional banking revenue from interest earned on personal loans, business loans, commercial loans, and mortgage products including home purchases, construction, refinancing, and home improvements
2. Deposit Account Fees and Charges: Fees from checking accounts, savings accounts, and CDs including potential maintenance fees, overdraft fees, and other service charges
3. Mortgage Origination: Revenue from mortgage lending including purchase, construction, refinance, and home improvement loans
4. Treasury Management Services: Business banking treasury services generating fee income

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Inwood National Bank is a community bank that provides personal banking (checking, savings, CDs, consumer loans), business banking (commercial deposits, business loans, treasury services, and Remote Deposit Capture via ProfitStars), and mortgage lending (purchase, construction, refinance, home improvement). Customers access these services through physical Dallas-Fort Worth branches, an online banking platform, and iOS/Android mobile applications with mobile deposit.

Product overview

Inwood National Bank operates as a traditional community bank offering a unified banking platform with distinct product lines. The core offerings include Personal Banking (checking, savings, CDs, and consumer loans), Business Banking (commercial deposits, loans, treasury services, and Remote Deposit Capture via ProfitStars), and Mortgage lending. Digital banking services are provided through online banking platforms and mobile applications available on Apple and Google app stores, with mobile deposit capabilities for remote check capture.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Banking Core retail banking services for individuals, including checking accounts, savings accounts, CDs, personal loans, and mobile/online banking access. Serves personal banking customers in the Dallas-Fort Worth metroplex.
• Business Banking Commercial banking services for small and mid-sized businesses, including business checking, savings, CDs, commercial loans, treasury services, and Remote Deposit Capture. Targets business customers in the Dallas-Fort Worth metroplex.
• Mortgage Home mortgage products for buying, building, refinancing, or improving homes, offered as part of the bank's lending portfolio. Serves prospective homebuyers, homeowners, and construction borrowers in the Dallas-Fort Worth market.
• Treasury Services Cash management and treasury services for business banking customers, supporting payment processing and liquidity management. Delivered alongside business deposit products and commercial lending.

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature4 records

Scale indicators2 records

Recent moves4 records

Expansion highlights4 records

Broad incumbents

• BOK Financial / Bank of Texas: Tulsa-based regional financial holding company whose Bank of Texas division offers consumer, business, mortgage, and treasury management across North Texas — competes with Inwood in DFW while operating a multi-state franchise.
• Comerica Bank: Large regional bank headquartered in Dallas, providing personal, small business, commercial, and treasury banking across the South and West, including DFW — competes with Inwood for SMB and consumer relationships but at far greater scale.
• Frost Bank: Texas-headquartered, well-capitalized regional bank offering consumer, commercial, and treasury banking across the state, including Dallas-Fort Worth — overlaps with Inwood but operates at significantly larger scale and broader geographic reach.

Direct peers

• Prosperity Bancshares: Houston-based community banking franchise with a strong DFW presence, offering comparable consumer and commercial deposit and lending products — comparable to Inwood on community-bank model and Texas geographic concentration.
• Veritex Community Bank: Headquartered in Dallas, Veritex is a publicly traded community bank serving the DFW metro and broader Texas with deposit, lending, and mortgage products — directly comparable in geography, charter type, and product mix to Inwood National Bank.
• PlainsCapital Bank: Dallas-based commercial banking franchise owned by Hilltop Holdings, offering deposit accounts, commercial loans, treasury management, and mortgage banking across Texas — comparable in product breadth and DFW footprint to Inwood.
• Texas Capital Bank: Dallas-headquartered commercial bank providing business banking, treasury, and lending to individuals and companies, with overlapping SMB and private-banking focus in DFW — directly competitive for the same commercial and treasury services Inwood offers.
• Independent Bank Group: Texas-rooted community bank holding company headquartered in McKinney (DFW), offering personal, business, and mortgage banking across North Texas — a close analogue to Inwood's DFW-centric, full-service community model.

Emerging players

• Pinnacle Financial Partners: Tennessee-headquartered community bank that grew rapidly through relationship-based, multi-product banking including consumer, commercial, and mortgage — a useful peer on community-bank operating model and cross-sell strategy, though operating in a different geography.

Regional players

• Third Coast Bank: Texas-based community bank with a strong Houston and growing North Texas presence, focused on personal, business, and mortgage banking — comparable to Inwood on charter, products, and Texas community-bank positioning.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/inwoodbank

Compliance3 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

Investments

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

Frequently asked questions about Inwood National Bank