TransPecos Banks
- Company typePrivate
- Founded1924
- HeadquartersSan Antonio, United States
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
TransPecos Banks firmographics
Firmographics- Name
- TransPecos Banks
- Legal name
- TransPecos Banks, SSB
- Website
- https://transpecosbanks.com
- Company type
- Private
- Founded year
- 1924
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Ownership category
- akta.pro rank
TransPecos Banks industry classification
Industry- Product category
- Community Banking
- NAICS
- Savings Institutions and Other Depository Credit Intermediation (522180), Savings Institutions and Other Depository Credit Intermediation (52218)
- SIC
- Savings Institutions, Not Federally Chartered (6036)
- akta.pro primary industry
- BaaS Platforms & Sponsor Bank Enablement (FSAGALAA)
- akta.pro secondary industries
- Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE), Digital Retail Banking (Online & Mobile) (FSABAAAF), Digital Banking & Neobank Platforms (BPAMAFAD)
Keywords
Where TransPecos Banks is headquartered
LocationHeadquarters
- HQ city
- San Antonio
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
TransPecos Banks business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Supply Chain
Revenue model
- Interest Income from Lending: Traditional banking revenue from interest earned on personal loans, business loans, commercial real estate financing, and SBA loans. The bank extends credit to borrowers including fintech partners and commercial projects.
- Core Banking Fees and Services: Revenue from checking account fees, savings account services, and other traditional banking service charges. The bank offers simple checking with transparent fees.
- Fintech Card Issuance Partnership: TransPecos Banks issues credit cards for fintech partners like Frontlands, generating revenue from card issuance and interchange fees.
- Embedded Finance/Banking-as-a-Service: Revenue from providing banking infrastructure to fintech companies through partnerships with Alpha Modus (AlphaCash platform) and others, enabling prepaid debit and other financial services.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Personal checking accounts with transparent fee structure |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels3 records
TransPecos Banks product offering
Product offeringCore offering
TransPecos Banks is a Texas state savings bank (SSB) providing personal banking products (checking, savings, CDs, personal/auto loans), business banking products (SBA loans, commercial real estate financing, equipment financing, cash management), and sponsor banking/embedded finance infrastructure for fintech partners. Founded in 1924, the bank serves West Texas communities through physical branches and digital channels while enabling card issuance, prepaid debit, and other embedded finance products for third-party fintech companies.
Product overview
TransPecos Banks is a traditional community bank serving West Texas since 1924, offering a unified suite of banking products rather than a platform-plus-modules architecture. The core offering consists of personal banking products (Simple Checking, Simple Savings, Personal Loans, Online Banking) and business banking products (Business Products, Business Loans, Business Insights, Online Banking), supplemented by Sponsor Banking services for fintech partners. The bank positions itself as a full-service community institution providing FDIC-insured deposits, competitive lending rates, and digital banking capabilities.
Differentiator
Problem solved
Functional benefit
Products and services
- Simple Checking Personal checking account with transparent fees for everyday spending, targeted at individual consumer banking customers.
- Simple Savings Savings accounts and certificates of deposit (CDs) for individual customers seeking to grow deposits with confidence.
- Personal Loans Auto loans and personal lending solutions extended to individual borrowers for personal financing needs.
- Business Products Business checking, savings, and cash management accounts built for business operations and daily treasury needs.
- Business Loans SBA lending, commercial real estate (CRE) financing, and equipment financing extended to businesses of various sizes, including large commercial projects (loans exceeding $32 million to single projects).
- Online Banking Secure digital account access for both personal and business banking customers, including full-featured business portal capabilities.
- Sponsor Banking Banking-as-a-service offering providing compliance infrastructure, card issuance, and next-generation technology for fintech sponsors and program managers (B2B embedded finance).
- Business Insights Analytics and reporting tools for business banking customers to track financial performance and manage cash flow.
Quantifiable outcome
- 70% reduction in data migration time through AI implementation
- +2 more outcomes
Companies that use TransPecos Banks
Customer profileNamed customers5 records
Segments4 records
Ideal customer profiles3 records
TransPecos Banks technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability1 record
Feature1 record
TransPecos Banks partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- FrontlandscoreTransPecos Banks issues credit cards for Frontlands' mineral rights-backed credit card product, the first of its kind in the US market. The partnership enables Frontlands to offer borrowers up to 50% of their mineral rights' value as a line of credit at interest rates between 14% and 18%, targeting approximately 12.5 million Americans who own mineral rights.
- Alpha Modus HoldingscoreStrategic partnership with TransPecos Banks and Synctera to launch AlphaCash prepaid debit program in early 2026. The collaboration aims to provide financial services via a mobile app and retail kiosks for the underbanked population in the United States.
- SyncteracoreTechnology partner providing banking platform infrastructure for the AlphaCash prepaid debit program launch in partnership with TransPecos Banks and Alpha Modus Holdings.
Scale indicators4 records
Recent moves3 records
Expansion highlights5 records
TransPecos Banks competitors and assessment
Company assessmentBroad incumbents
- Cross River Bank: Cross River is a technology-focused chartered bank with deep fintech and lending partnerships; a much larger incumbent in the sponsor-banking / embedded-finance space that competes for the same fintech programs TransPecos targets.
- Bancorp Bank (The Bancorp): The Bancorp is a specialty bank with a large prepaid card and sponsor-banking franchise; an incumbent comparable to TransPecos' prepaid (AlphaCash) and card-issuance ambitions.
- Pathward Financial (formerly MetaBank): Pathward is a publicly listed banking holding company focused on sponsor banking, prepaid cards, and BaaS; a scaled incumbent comparable to TransPecos' card-issuance and prepaid (AlphaCash) strategy.
Direct peers
- Celtic Bank: Celtic Bank is a Utah-chartered industrial bank with a significant fintech sponsor-banking practice; comparable as a small-bank competitor chasing the same BaaS / sponsor-bank mandate pipeline.
- Coastal Community Bank: Coastal Community Bank operates a well-known sponsor banking / BaaS division serving fintechs and crypto companies; comparable to TransPecos in using a community-bank charter to deliver embedded finance programs.
- West Texas National Bank: West Texas National Bank is a community bank operating in the Permian Basin / West Texas region with similar SBA, CRE, and small-business lending exposure.
- Sutton Bank: Sutton Bank is a community bank that serves as a sponsor bank for numerous fintech programs (e.g., prepaid and lending partners); directly comparable as a small-charter bank pursuing embedded finance.
- Stride Bank: Stride Bank is a leading sponsor bank for fintech and BaaS programs (e.g., Chime, others), making it the closest direct peer to TransPecos' emerging sponsor-banking franchise with a similar combination of traditional banking and fintech program management.
Regional players
- First National Bank of Texas: First National Bank of Texas is a regional community bank serving Texas; comparable as a Texas-headquartered retail/community bank competing for similar deposit and small-business relationships.
Others
- Synctera: Synctera is a BaaS platform enabler partnering with sponsor banks like TransPecos for the AlphaCash program; a technology ecosystem partner rather than a competitor, but a useful comparable for the embedded-finance value chain.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
TransPecos Banks social profiles
Digital presenceTransPecos Banks compliance and trust
Trust signalCompliance1 record
TransPecos Banks financial estimates
Financial estimateRevenue estimate
Valuation estimate
TransPecos Banks leadership team
Management profileNumber of profiles
Profiles1 record
TransPecos Banks funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
TransPecos Banks 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 TransPecos Banks
What does TransPecos Banks do?
TransPecos Banks is a Texas state savings bank (SSB) providing personal banking products (checking, savings, CDs, personal/auto loans), business banking products (SBA loans, commercial real estate financing, equipment financing, cash management), and sponsor banking/embedded finance infrastructure for fintech partners. Founded in 1924, the bank serves West Texas communities through physical branches and digital channels while enabling card issuance, prepaid debit, and other embedded finance products for third-party fintech companies.
Is TransPecos Banks a public or private company?
TransPecos Banks is a private company. It is classified as unknown and is currently operating.
When was TransPecos Banks founded?
TransPecos Banks was founded in 1924. It employs 51 to 100 people.
Where is TransPecos Banks based?
TransPecos Banks is headquartered in San Antonio, United States, in the North America region.
How does TransPecos Banks make money?
Four revenue lines are on record. Interest Income from Lending is the primary driver. The others are core Banking Fees and Services, fintech Card Issuance Partnership and embedded Finance/Banking-as-a-Service.
Who are TransPecos Banks's main competitors?
Broad incumbents on record are Cross River Bank, Bancorp Bank (The Bancorp) and Pathward Financial (formerly MetaBank). Direct peers are Celtic Bank, Coastal Community Bank, West Texas National Bank, Sutton Bank and Stride Bank. First National Bank of Texas is listed as a regional player. Synctera is listed as an others.
Does TransPecos Banks have an API?
No public API is recorded for TransPecos Banks.
What industry is TransPecos Banks in?
TransPecos Banks's product category is Community Banking. Its primary akta.pro industry code is FSAGALAA, BaaS Platforms & Sponsor Bank Enablement, with a secondary code of FSAGALAE, Embedded Deposit Accounts & Digital Wallet Infrastructure. Its NAICS code is 522180 and its SIC code is 6036.