Liberty Capital Bank

What Liberty Capital Bank does

Liberty Capital Bank is a privately held Texas community bank founded in 2008 in Addison by Holt Lunsford and Ben Cunningham, serving privately held businesses, real estate investors, and the families that own those businesses. Following its September 19, 2024 announced merger with Texas Heritage Bank (Southwestern Bancorp, Inc.), the combined institution holds over $640 million in assets and operates four Texas branches — Addison (headquarters), Boerne, Cross Plains, and San Antonio — under a single Liberty Capital brand. Leadership comprises CEO Alan Morris, President Ryan Friend, CFO Amy Pickard, and Co-Founder/Chairman Holt Lunsford, with Texas Heritage's Steve Mack joining the board and Jack Griggs continuing a mentorship role.

The bank delivers its services through four product pillars: Business Banking, Treasury Services, Real Estate Banking, and Private Banking. The technology stack includes iOS and Android mobile apps, web-based personal and business online banking with Zelle peer-to-peer payments, SMS Text Banking, and SecurLOCK Equip (FIS-powered) for debit-card controls and transaction monitoring. Treasury Management is the platform layer, bundling Internet Banking, ACH origination, Real Time Payments via FedNOW and The Clearing House, Positive Pay, Lockbox, Remote Deposit Capture, and Business Bill Pay under a single master agreement. The bank is FDIC-insured and Equal Housing Lender-certified.

The revenue model is a traditional community-bank mix: interest income from personal, commercial, and real estate lending; transaction and service fees from treasury management (wires, ACH, stop payments, lockbox, remote deposit, business bill pay); and recurring deposit-account charges. Go-to-market is community-led and relationship-driven rather than digitally acquired, relying on the official website, LinkedIn, press releases, and — most importantly — organic referrals through long-tenured commercial and private banking relationships across the Texas footprint.

Name

Liberty Capital Bank

Legal name

Liberty Capital Bank

Website

https://libertycapital.bank

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

11–50 employees

Short description

Liberty Capital Bank is a privately held Texas community bank offering business banking, real estate lending, private banking, and treasury management to privately held businesses, real estate investors, and their families across Addison, Boerne, Cross Plains, and San Antonio.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

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

SIC

State Commercial Banks (6022), Functions Related To Depository Banking, Nec (6099)

akta.pro primary industry

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

akta.pro secondary industry

Private Banking Lending (Securities-Backed, Real Estate, Structured Credit) (FSABADAE)

Keywords

• Community banking
• Business banking
• Treasury services
• Real estate lending
• Private banking

Headquarters

HQ city

Addison

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Traditional bank lending revenue from personal and commercial loans, real estate financing, and other credit products extended to customers
2. Banking Service Fees: Fees from Treasury Management services including wire transfers, ACH services, stop payments, lockbox, remote deposit, business bill pay, and account maintenance
3. Deposit Services: Revenue from deposit accounts, checking, savings, and money market accounts with associated service charges

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels3 records

Core offering

Liberty Capital Bank is a Texas-based community bank that provides business banking (deposits, commercial lending, treasury services), real estate banking (acquisition, development, construction, and permanent financing), and private banking for executives, professionals, business owners, and high-net-worth individuals. It also delivers Online Banking and Mobile Banking platforms with Zelle person-to-person payment support, and operates four branches across Addison, Boerne, Cross Plains, and San Antonio.

Product overview

Liberty Capital Bank is a privately held community bank offering a unified banking platform with four core service lines: Business Banking for privately held businesses, Real Estate Banking for real estate investors, Private Banking for owners and families, and Treasury Services as the comprehensive cash management layer. The platform is extended through digital channels including Mobile Banking and Online Banking (personal and business variants), with Remote Deposit Capture for check deposits. Treasury Management serves as the overarching platform housing multiple modules (Internet Banking, ACH, Funds Transfer, Real Time Payments, Positive Pay, Lockbox, Business Bill Pay) governed under a single master agreement. SecurLOCK Equip provides debit card controls. The September 2024 merger with Texas Heritage Bank expanded the product footprint to include their community banking locations.

Differentiator

Problem solved

Functional benefit

Products and services

• Business Banking Business banking offering for companies, delivering operating accounts, credit facilities, treasury support, fraud protection, and merchant services through a single relationship-driven platform.
• Real Estate Banking Real estate lending and banking products covering acquisition, development, construction, and permanent financing for developers and investors.
• Private Banking Personal banking service for executives, professionals, business owners, and high-net-worth individuals, providing depository, credit, and coordinated banking solutions.
• Treasury Services Business cash management, treasury, fraud protection, and merchant services for business banking clients.
• Online Banking Self-service web-based online banking channel for account access, bill payment, and digital banking services.
• Mobile Banking Mobile banking application with support for Zelle person-to-person payments and on-the-go account access.

Quantifiable outcome

• Combined assets of $640 million creating competitive positioning for larger loan capacity

Named customers1 record

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature8 records

Partnerships

One partnership is on record.

• Texas Heritage BankcoreStrategic or Co-development Partner · 19 September 2024Strategic merger announced September 19, 2024 between Liberty Capital Bancshares, Inc. (LCBI) and Southwestern Bancorp, Inc (SBI), the holding company for Texas Heritage Bank. Texas Heritage Bank has $225 million in assets with locations in San Antonio, Boerne, and Cross Plains, Texas. Post-merger combined assets exceed $640 million. Steve Mack will join Liberty Capital board and Jack Griggs will continue mentorship of Lunsford and the board. All current leadership will remain in place.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Independent Bank Group: Texas-headquartered community/commercial bank holding company serving SMBs, commercial real estate, and retail customers. Comparable size and segment focus and a similar community-banking growth strategy make it the closest direct peer.
• Veritex Holdings: Dallas-based community bank holding company with comparable Texas footprint, SMB/commercial-real-estate lending focus, and a growth-via-acquisition playbook directly competitive with Liberty Capital.
• Texas Capital Bank: Texas-based commercial bank serving privately held businesses, entrepreneurs, and real estate investors — an almost identical target customer and product set, though at significantly larger scale.
• PlainsCapital Bank: Texas-headquartered commercial bank with strong real-estate lending and treasury-management capabilities targeting privately held businesses — directly comparable business mix and target segment.
• Allegiance Bancshares: Houston-based community bank focused on privately held businesses, commercial real estate, and personal banking — similar size band, segment focus, and Texas community-banking philosophy.

Broad incumbents

• Cullen/Frost Bankers (Frost Bank): Iconic Texas regional bank with deep community-banking roots, similar SMB and private-banking franchise, and far larger asset base; represents the scaled incumbent Liberty Capital competes against in its core Texas metros.
• Prosperity Bancshares: Large Texas-based bank holding company with a community-bank acquisition strategy, overlapping Texas geography (including Hill Country / San Antonio), and a comparable SMB-and-consumer deposit franchise.
• Cadence Bank: Regional commercial bank with a meaningful Texas presence, business banking, treasury management, and commercial real estate focus — broader geographic reach but overlapping product set and SMB targets.
• Comerica: Major Texas-based commercial bank serving privately held businesses and middle-market customers; overlapping product mix (commercial lending, treasury, private banking) at much larger scale.

Regional players

• First Financial Bankshares: Texas-based community bank holding company focused on relationship banking with SMBs and consumers; very similar community-bank model with a different geographic concentration across the state.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/liberty-capital-bank

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries1 record

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 Liberty Capital Bank