Bank of Bartlett

What Bank of Bartlett does

Bank of Bartlett is a privately held, FDIC-insured community bank founded in 1980 and headquartered in Bartlett, Tennessee, within the Memphis metropolitan area. It serves individual consumers, small and mid-size businesses, homebuyers, and private-client customers across four staffed branch locations in Bartlett (Main Office and Wolfchase), Collierville, and Arlington. The bank's product portfolio spans personal and business checking and savings accounts, CDs, personal installment loans, commercial real estate and C&I lending, residential construction lending, and mortgage origination through its affiliate Bartlett Mortgage, Inc. Distribution combines branches, a Banno-powered online and mobile banking platform with mobile deposit, and a 'Video Bankers' service that enables remote cash and check transactions during extended hours.

The technology stack is a conventional core-banking plus digital-banking architecture with no proprietary AI/ML components; differentiating features are operational (Video Bankers, mobile deposit, Remote Deposit Capture, Positive Pay fraud control, OTP security) rather than algorithmic. Revenue is generated primarily through net interest income on loans and investments net of deposit interest, supplemented by deposit-account fees, transaction-based cash management fees (ACH, wires, lockbox, merchant processing, sweeps), credit card revenue through an Elan Financial Services partnership, and insurance commissions via the Midsouth Insurance Depot affiliate. Customer acquisition is relationship-led: dedicated Senior Commercial Relationship Managers, Business Banking Officers, and Mortgage Loan Officers handle sales, supported by community involvement, social media, and a content-marketing website.

The bank is family-led — Chairman/CEO Bob Byrd and President Harold Byrd — with 51-100 employees and no disclosed private equity or institutional ownership. Its strategy is incremental rather than transformational: deepening share-of-wallet through product breadth (mortgage push, deposit promotions, cash management) and leaning into local economic opportunities such as the Blue Oval City development in Arlington. It does not pursue geographic expansion beyond the Memphis metro and has no funding, M&A, or IPO activity in the input data.

Name

Bank of Bartlett

Legal name

Bank of Bartlett

Website

https://bankofbartlett.com

Company type

Private

Founded year

1980

Operating status

Operating

Headcount range

51–100 employees

Short description

Bank of Bartlett is a privately held, FDIC-insured community bank founded in 1980, serving individual consumers, small and mid-size businesses, and homebuyers across four branches in the Memphis, Tennessee metropolitan area with deposits, lending, mortgage, and cash management products.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

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

SIC

State Commercial Banks (6022), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Branch & In-Person Banking (Teller/ATM Networks) (FSABAAAE)

akta.pro secondary industries

Balance-Sheet / Portfolio CRE Lending (FSALADAG), Private Banking Lending (Securities-Backed, Real Estate, Structured Credit) (FSABADAE)

Keywords

• Community banking
• Retail banking services
• Commercial lending
• Residential mortgages
• Cash management services

Headquarters

HQ city

Memphis

HQ country

United States

HQ region

North America

Offices4 records

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. Net Interest Income: Interest earned on loans (commercial real estate, C&I lending, residential construction, consumer lending, mortgages) and investments, offset by interest paid on deposits.
2. Deposit Account Fees: Fees from checking accounts, savings accounts, and other deposit products.
3. Cash Management Services: ACH services, wire transfers, lock box services, merchant credit card processing, sweep accounts.
4. Credit Cards: Revenue from credit card products offered through Elan Financial Services partnership.
5. Insurance Services: Insurance products through Midsouth Insurance Depot affiliate.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels4 records

Core offering

Bank of Bartlett is a privately held community bank serving the Memphis, Tennessee metropolitan area, offering personal and business deposit accounts, consumer and commercial loans, residential mortgages, and cash management services. The bank operates physical branches in Bartlett, Collierville, and Arlington alongside online, mobile, and live Video Banker digital channels. Its portfolio spans personal checking and savings, CDs, personal and commercial lending, mortgage origination via affiliate Bartlett Mortgage, and business cash management tools including ACH, Remote Deposit Capture, Positive Pay, wire transfers, and merchant processing.

Product overview

Bank of Bartlett is a regional community bank offering a unified suite of banking products and services primarily to the Memphis, Tennessee area. The portfolio spans personal and business checking and savings accounts, certificate of deposits (CD Special), personal and commercial lending (including mortgages via Bartlett Mortgage), and digital banking via online and mobile platforms. For business customers, the bank provides specialized cash management services including ACH processing, Remote Deposit Capture, wire transfers, Positive Pay fraud protection, merchant services, and Business Debit MasterCard. Additional services include Video Bankers for live video transactions, Overdraft Protection, and insurance products through affiliate Midsouth Insurance Depot. The bank does not operate a platform-plus-modules architecture but rather offers discrete, related banking products centered on its core deposit and lending services.

Differentiator

Problem solved

Functional benefit

Brands

• Bartlett Mortgage: Mortgage lending services offered as part of Bank of Bartlett's loan products

Products and services

• Personal Checking Accounts

Quantifiable outcome

• 3.75% APY on 7-month CD (as of May 2025)

Named customers5 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature5 records

Partnerships

Three partnerships are on record, tiered core and minor.

• Bartlett Mortgage, Inc.coreStrategic or Co-development PartnerAffiliate company providing mortgage lending services under the Bank of Bartlett umbrella. Listed in Privacy Policy as a financial services affiliate along with Midsouth Insurance Depot, Inc.
• Midsouth Insurance Depot, Inc.coreStrategic or Co-development PartnerNon-financial affiliate company offering insurance products and services. Listed in Privacy Policy as an affiliate company alongside Bartlett Mortgage, Inc.
• Affinion Benefits GroupminorGTM or Marketing PartnerDirect marketing company partner for joint marketing of services. Listed in Privacy Policy under joint marketing partners.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Simmons Bank: Arkansas-based regional bank with a growing Tennessee footprint including Memphis offering consumer, commercial, mortgage, and treasury products — directly comparable mid-sized community/regional banking model.
• Renasant Bank: Southeast-focused community/regional bank with significant Tennessee and Mississippi presence providing personal banking, business lending, mortgage, and wealth services — comparable in community-bank relationship model and Mid-South geographic overlap.
• Trustmark National Bank: Mississippi-headquartered regional bank with a strong Memphis metro branch presence offering consumer and commercial banking, mortgage lending, and treasury services — directly comparable in scale, product breadth, and Memphis-market positioning.
• Cadence Bank: Mid-South regional bank with Memphis operations offering commercial, treasury, mortgage, and consumer banking — comparable scale and product set with overlapping Memphis-metro footprint.
• SmartBank: Southeast community bank with a presence in the Memphis/Tennessee market offering commercial, consumer, and mortgage banking — comparable community-bank scale and relationship-driven sales model.
• Landmark Community Bank: Tennessee-headquartered community bank providing personal and business banking with a relationship-driven model similar to Bank of Bartlett, offering a closely comparable small-community-bank operating profile.
• First Horizon Bank: Headquartered in Memphis, First Horizon is the dominant Tennessee-based commercial bank offering personal banking, business banking, mortgages, and treasury management across the same Memphis metro footprint as Bank of Bartlett — the closest direct comparable in geography and product mix.
• Independent Bank (Tennessee): Tennessee community bank serving Memphis and surrounding markets with consumer and commercial banking products — directly comparable small-community-bank operating model and Mid-South footprint.
• Paragon National Bank: Memphis-based community bank serving businesses and consumers with deposit, lending, and treasury products — the closest small-scale direct peer to Bank of Bartlett in both geography and size.
• Pinnacle Financial Partners: Tennessee-headquartered community/regional bank known for relationship-driven commercial banking and broad Memphis-area presence — directly comparable model and product suite targeting middle-market and small-business clients.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/BankofBartlett
• YouTubeyoutube.com/@bank_of_bartlett
• Facebookfacebook.com/Bank-of-Bartlett-267526893589
• LinkedInlinkedin.com/company/bank-of-bartlett
• Instagraminstagram.com/bank_of_bartlett

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries2 records

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 Bank of Bartlett