TexStar National Bank
TexStar National Bank, now American Bank, was a Texas community bank serving consumers, small businesses, and high-net-worth clients across 8 branches with personal banking, commercial lending, treasury management, equipment finance, and wealth services; merged into Prosperity Bank on January 1, 2026.
- Company typePrivate
- Founded2004
- HeadquartersUniversal City, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What TexStar National Bank does
TexStar National Bank, which rebranded to American Bank prior to its January 1, 2026 merger with Prosperity Bank, is a Texas-based nationally chartered community bank (American Bank, N.A.) operating from Universal City and serving consumers, small and medium-sized businesses, and high-net-worth individuals across the state. Its product portfolio is organized into three integrated verticals: Personal Banking (checking, savings, CDs, IRAs, mortgage and consumer loans, digital banking tools); Business Banking (commercial lending across growth, working capital, real estate, SBA, professional practice, and equipment finance; treasury management including receivables, payables, and fraud solutions; merchant services); and Wealth Management (goals-based financial planning, investment management, private banking, custom credit strategies, and trust and fiduciary services including specialty asset management and family office administration). The bank's technology platform consists of a standard community bank stack: native iOS and Android mobile apps, web-based online banking, mobile deposit, Zelle integration, debit card management, and a dedicated wealth management client portal powered by FIS Global, delivered alongside an 8-branch physical distribution network plus a Houston loan production office. The revenue model is primarily net interest income from the loan portfolio (commercial, real estate, SBA, equipment, mortgage, consumer) supplemented by transaction and service fees from deposit accounts, recurring treasury management fees, wealth management and trust service fees, equipment finance origination income, and merchant services revenue. Go-to-market is sales-led and relationship-based, targeting Texas SMBs, consumers, and HNW clients through branch bankers, commercial lenders, and wealth advisors, with content marketing and social media used as top-of-funnel awareness channels. Following the Prosperity Bank merger, the entity now operates as part of a larger Texas banking franchise under the American Bank brand.
TexStar National Bank firmographics
Firmographics- Name
- TexStar National Bank
- Legal name
- American Bank, N.A.
- Website
- https://texstar-bank.com
- Company type
- Private
- Founded year
- 2004
- Operating status
- Acquired
- Headcount range
- 11–50 employees
- Short description
- TexStar National Bank, now American Bank, was a Texas community bank serving consumers, small businesses, and high-net-worth clients across 8 branches with personal banking, commercial lending, treasury management, equipment finance, and wealth services; merged into Prosperity Bank on January 1, 2026.
- Ownership category
- akta.pro rank
Where TexStar National Bank is headquartered
LocationHeadquarters
- HQ city
- Universal City
- HQ country
- United States
- HQ region
- North America
Offices8 records
Markets served
TexStar National 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 from Loans: Primary revenue stream from interest charged on commercial loans, real estate loans, equipment financing, SBA loans, mortgage loans, and personal loans. This includes business growth loans, working capital loans, construction loans, and professional practice loans.
- Deposit Account Fees and Services: Fees from business and personal checking accounts, savings accounts, CDs, and IRAs. Includes monthly maintenance fees, transaction fees, and account service charges.
- Treasury Management Services: Commercial treasury management services including receivables management, payables processing, fraud solutions, and business digital banking services.
- Wealth Management and Trust Services: Financial planning, investment management, private banking, and trust and fiduciary services including estate planning, specialty asset management, and family office administration.
- Equipment Finance: Equipment financing and leasing services through American Bank Equipment Finance for local equipment dealers and businesses adding locations.
- Merchant Services: Payment processing and merchant services for business customers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Personal Checking Accounts |
| Other | Monthly | Business Checking Accounts |
| Other | Multi-year contract | Certificate of Deposit Accounts |
| Other | Monthly | Personal and Business Savings Accounts |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels7 records
TexStar National Bank product offering
Product offeringCore offering
TexStar National Bank (now American Bank) is a Texas-based community bank providing commercial lending (growth loans, working capital, real estate, SBA, equipment financing), business and personal deposit products (checking, savings, CDs, IRAs), treasury management (receivables, payables, fraud solutions), merchant services, and consumer mortgage, home equity, and personal loans. It also delivers wealth management including financial planning, investment management, private banking, and trust and fiduciary services, supported by an in-branch network across Texas and digital/mobile banking channels.
Product overview
TexStar National Bank (now American Bank) is a Texas-based community bank offering a unified banking platform with personal, business, and wealth management services. The product portfolio includes personal banking (checking, savings, mortgages, personal loans), business banking (commercial loans, business deposits, treasury management, equipment finance), and wealth management (financial planning, investment management, private banking, trust services). Digital banking is integrated throughout via mobile apps and online platforms, with equipment finance operated as a specialized sub-brand.
Differentiator
Problem solved
Functional benefit
Brands
- American Bank Equipment Finance: Equipment financing services for businesses
- American Bank Wealth Management
Products and services
- Business Banking Commercial banking services for businesses including business checking, business savings, business CDs, working capital loans, and treasury management for small to mid-sized Texas businesses.
- Personal Banking Individual banking services including checking accounts, savings accounts, CDs, IRAs, mortgages, personal loans, and digital banking tools for Texas consumers.
- Business Loans Various commercial lending solutions for businesses including loans for growth, working capital, real estate development, SBA loans, professional practice loans, equipment financing, and commercial real estate loans.
- Treasury Management Cash management and treasury solutions for businesses including receivables processing, payables processing, and fraud protection services.
- Business Digital Banking Online and mobile banking platform for business customers with features including electronic bill pay, mobile deposit, and account management tools.
- American Bank Equipment Finance Equipment financing services for businesses and equipment dealers, enabling purchase and sale of business equipment through specialized finance arrangements.
- Wealth Management Comprehensive wealth services including goals-based planning, retirement planning, investment management, trust and fiduciary services, and family office administration for high-net-worth clients.
- Private Banking High-touch banking services for affluent clients including business transition advisory, core banking solutions, custom credit strategies, and real estate lending.
- Trust and Fiduciary Services Estate planning and trust services including comprehensive trust and estate services, specialty asset management, and family office administration.
- Personal Loans Consumer lending products including mortgages, lot loans, mortgage refinance, home improvement loans, home equity loans, and construction loans for personal use.
- Digital Banking Online and mobile banking services for consumers including native mobile apps for iOS and Android, mobile deposit, Zelle payments, and mobile card management.
- Small Business Administration (SBA) Loans Government-backed small business loans through the SBA program designed to support small business growth and development.
Companies that use TexStar National Bank
Customer profileSegments3 records
Ideal customer profiles3 records
TexStar National Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature7 records
TexStar National Bank partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and minor.
- Prosperity BankcoreTexStar National Bank merged with and into Prosperity Bank on January 1, 2026. The combined entity operates under the American Bank name. The merger represents a significant consolidation in the Texas community banking market, with Prosperity Bank acquiring TexStar National Bank.
- FIS GlobalcoreTechnology partner providing wealth management client portal and identity management services for online banking. Used for Wealth Management and Legacy Portal access.
- ZellecoreIntegrated real-time payment network enabling customers to send and receive money directly through the bank's digital banking platforms.
- Equipment Finance PartnersminorACVG Equipment Finance partnership for equipment financing services. Referenced as a resource for local equipment dealers and businesses adding new locations.
Scale indicators3 records
Recent moves8 records
Expansion highlights5 records
TexStar National Bank competitors and assessment
Company assessmentDirect peers
- Independent Bank Group: Texas community bank holding company offering commercial, personal, mortgage, and wealth services across North Texas and other Texas markets. Directly comparable as a community/commercial Texas bank with similar relationship-based lending approach.
- Texas Capital Bank: Texas-headquartered commercial bank focused on business banking, treasury management, and wealth services for middle-market and SMB clients. Overlaps directly with TexStar's commercial lending, SBA, and treasury management offerings in the same Texas metros.
- Frost Bank (Cullen/Frost Bankers): Largest Texas-based community/commercial bank serving Austin, San Antonio, Houston, Dallas, Corpus Christi and other Texas metros with commercial lending, treasury, wealth management, and consumer banking. Directly comparable to TexStar/American Bank in geography, customer segments, and full-service community banking model.
- Prosperity Bank: Texas-based community/commercial bank that acquired TexStar National Bank / American Bank effective January 1, 2026. Operates similar commercial, personal, and wealth management lines across overlapping Texas markets (San Antonio, Austin, Houston, Corpus Christi). Directly comparable in business mix and customer base.
- Cadence Bank: Regional bank offering commercial, business, and wealth services across the South/Texas. Comparable in commercial lending, treasury management, and SMB customer focus.
- Comerica: Texas-headquartered commercial bank serving middle-market, small business, and personal banking customers across Texas and other U.S. markets. Comparable in commercial and treasury management focus; larger scale provides basis for size/scale comparison.
- Broadway Bank: San Antonio-based community bank with personal, commercial, wealth, and trust services. Directly comparable to TexStar/American Bank's San Antonio presence and full-service community banking model.
- First Financial Bank (Texas): Texas-headquartered community/commercial bank operating across the state with full-service banking, commercial lending, and wealth offerings. Directly comparable as a Texas community bank with commercial, deposit, and wealth services.
- International Bancshares / IBC Bank: Texas-headquartered community bank holding company with branches concentrated in South Texas including San Antonio, Laredo, Corpus Christi, and Rio Grande Valley. Directly comparable as a Texas community bank serving similar regional markets including San Antonio and Corpus Christi.
- PlainsCapital Bank: Texas-based commercial bank (Hilltop Holdings subsidiary) offering commercial lending, treasury, and personal banking across Texas. Directly comparable in commercial banking focus and Texas market footprint.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
TexStar National Bank social profiles
Digital presenceTexStar National Bank compliance and trust
Trust signalCompliance5 records
TexStar National Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
TexStar National Bank leadership team
Management profileNumber of profiles
Profiles1 record
TexStar National Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
TexStar National 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 TexStar National Bank
What does TexStar National Bank do?
TexStar National Bank (now American Bank) is a Texas-based community bank providing commercial lending (growth loans, working capital, real estate, SBA, equipment financing), business and personal deposit products (checking, savings, CDs, IRAs), treasury management (receivables, payables, fraud solutions), merchant services, and consumer mortgage, home equity, and personal loans. It also delivers wealth management including financial planning, investment management, private banking, and trust and fiduciary services, supported by an in-branch network across Texas and digital/mobile banking channels.
Is TexStar National Bank a public or private company?
TexStar National Bank is a private company. It is classified as corporate owned and is currently acquired.
When was TexStar National Bank founded?
TexStar National Bank was founded in 2004. It employs 11 to 50 people.
Where is TexStar National Bank based?
TexStar National Bank is headquartered in Universal City, United States, in the North America region.
How does TexStar National Bank make money?
Six revenue lines are on record. Interest Income from Loans are the primary driver. The others are deposit Account Fees and Services, treasury Management Services, wealth Management and Trust Services, equipment Finance and merchant Services.
Who are TexStar National Bank's main competitors?
Direct peers on record are Independent Bank Group, Texas Capital Bank, Frost Bank (Cullen/Frost Bankers), Prosperity Bank, Cadence Bank, Comerica, Broadway Bank, First Financial Bank (Texas), International Bancshares / IBC Bank and PlainsCapital Bank.
Does TexStar National Bank have an API?
No public API is recorded for TexStar National Bank.