West Tennessee Bank

What West Tennessee Bank does

West Tennessee Bank is a community bank division of Decatur County Bank, operating five branches across West Tennessee in Decaturville (headquarters), Parsons, Jackson, Brownsville, and Germantown. The bank traces its operating history to 1899 through its parent; West Tennessee Bank itself was established in 2010 as a division to extend service into surrounding counties, with the most recent Germantown branch opening at the end of 2024 to enter the Memphis metropolitan market. It is FDIC-insured, CDFI-certified by the US Treasury, and rated 5-Stars by Bauer Financial (2021).

The product portfolio covers the full community-bank suite: personal and business deposit accounts (Freedom Checking, BaZing, Money Market, and tiered interest-bearing options), a Platinum Collection of Mastercard credit cards, mortgage and government-backed home loans (FHA, USDA, VA), personal and vehicle loans, SBA and business loans, and the Capital Express accounts receivable financing platform launched in 2024. Digital channels include iOS and Android mobile apps, online banking with Zelle, mobile and remote deposit, bill pay, and account alerts, supported by backend integrations with Fiserv Originate, Consumer MeridianLink, and Online Bank Tours.

Revenue is generated primarily through net interest income on the loan portfolio, supplemented by monthly service charges on deposit accounts, interchange and merchant fees (via a BancCard partnership), credit card annual fees, and fees on cash management services such as wire transfers and ACH processing. The bank's go-to-market emphasizes relationship-based community banking with local loan-approval authority, targeting individual consumers and small-to-mid-size businesses in Decatur, Madison, Haywood, and Shelby counties.

Name

West Tennessee Bank

Legal name

Decatur County Bank

Website

https://westtnbank.com

Company type

Private

Founded year

1899

Operating status

Operating

Headcount range

1–10 employees

Short description

West Tennessee Bank is a community bank division of Decatur County Bank (founded 1899) operating five branches across West Tennessee, offering deposit accounts, loans, credit cards, cash management, and merchant services to retail consumers and small-to-mid-size businesses.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211), Commercial Banking (522110), Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI)

akta.pro secondary industries

Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB), Credit Cards & Revolving Credit (FSABAAAC), Financial Inclusion & Basic Banking (Unbanked/Underbanked, Low-Fee Accounts) (FSABAAAL)

Keywords

• Community banking
• Retail banking
• Commercial lending
• Cash management
• Merchant services

Headquarters

HQ city

Henefer

HQ country

United States

HQ region

North America

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Supply Chain, Others

Revenue model

1. Interest Income: Primary revenue stream from interest earned on loan portfolio including mortgage loans (conventional, jumbo, FHA, USDA, VA), home equity loans, personal loans, vehicle loans, business loans, SBA loans, and land/construction loans
2. Non-Interest Income - Deposit Fees: Monthly service charges on deposit accounts (checking and savings), overdraft fees, and account maintenance fees. Business checking accounts charge $7-$10 monthly; personal checking charges $7-$9 monthly with waiver options
3. Merchant Services: Revenue from payment processing services through BancCard partnership. Includes transaction fees from credit/debit card processing for merchant customers
4. Credit Card Revenue: Annual fees from credit card products (Platinum $0, World $35, World Elite $299), plus interchange fees on transactions
5. Cash Management Services: Fees for business cash management services including wire transfers, ACH processing setup, and treasury management services
6. Wealth Management: Financial advisory services through on-staff Financial Advisor for investment and wealth management products

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

West Tennessee Bank is a community bank (operating as a division of Decatur County Bank, founded 1899) that delivers retail and commercial banking products across five branches in West Tennessee. Its portfolio spans personal and business deposit accounts (checking and savings), consumer and business credit cards, home/personal/business loans (including SBA loans and accounts receivable financing), merchant services, cash management tools (ACH, wire, Positive Pay, lockbox, remote deposit), and wealth management — supported by online and mobile banking channels.

Product overview

West Tennessee Bank is a division of Decatur County Bank (established 1899) offering community banking services across five West Tennessee locations. The product portfolio centers on personal and business deposit accounts (checking, savings), credit cards (Platinum Collection with Mastercard tiers), and lending products (home loans, personal loans, business loans including SBA and Capital Express accounts receivable financing). Digital banking capabilities include mobile and online banking with mobile deposit, bill pay, Zelle payments, cash management services (Remote Deposit, Lockbox, Positive Pay, ACH Processing, Wire Transfers), merchant services through BancCard partnership, and IntraFi Network Deposits for enhanced FDIC coverage. The bank also provides video tutorials through Online Bank Tours and integrates with Intuit QuickBooks/TurboTax and Consumer MeridianLink for business accounting and lending applications.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking Tiered personal checking account product for individual consumers and families, with Freedom Checking (basic), BaZing (rewards/protection benefits), and BaZing Premium (interest-bearing) variants, accessible via branches, online, and mobile banking.
• Personal Savings Standard Savings account for individuals with no minimum balance, quarterly compounding interest, ATM access, and Youth Savings options tied to the ABA Teach Children to Save Campaign.
• Personal Credit Card (Platinum Collection) Mastercard-issued consumer credit card portfolio with Platinum ($0 annual fee, 1% cash back), World ($35 annual fee, travel perks), and World Elite ($299 annual fee, premium travel benefits, 25,000 bonus points, no foreign transaction fees) tiers for individual cardholders.
• Business Checking Four business checking account types — Regular Checking, Money Market, Business Interest, and Business Interest Plus — designed for local businesses, commercial enterprises, and entrepreneurs, with monthly fees that can be waived based on balance thresholds.
• Business Credit Card Mastercard-issued business credit card portfolio offering Platinum Preferred (no annual fee), World ($29 annual fee), and World Elite ($249 annual fee, $200 airline fee credit, 25,000 bonus points, Intuit and Instacart discounts) tiers with 0% APR for 6 months on new accounts.
• Home Loans Residential mortgage products including conventional, jumbo, FHA, USDA Rural Development, and VA loans, plus home equity loans, land loans, construction loans, and bridge loans — underwritten locally with flexible terms for individual borrowers and first-time home buyers.
• Personal Loans Personal installment loans for individual borrowers, including vehicle financing (new and used cars, RVs, ATVs, motorcycles), offered with competitive rates, flexible payment options, and automatic payment from a West Tennessee Bank checking account.
• Business Loans Commercial lending products including SBA loans for startups, business acquisition financing, and general business credit, with competitive rates, flexible terms, and automatic payment from a business checking account, underwritten locally.
• Capital Express Accounts receivable financing product that enables businesses to access immediate cash by selling receivables to West Tennessee Bank at a discount, with invoice transmission and funding handled through the Capital Express online platform.
• Business Cash Management Business cash management suite including Remote Deposit (desktop scanner check deposit), Lockbox, Positive Pay fraud prevention, ACH processing, and domestic/international wire transfers, accessed via Business Online Banking with multi-user access controls.
• Merchant Services Payment processing services delivered via the BancCard partnership, providing merchant customers with mobile/POS terminals, virtual terminals, e-commerce solutions, contactless payments, and 24/7 customer support with expedited funding.
• Mobile Banking App Mobile banking application for iOS and Android that enables retail and business customers to check balances, transfer funds, deposit checks via smartphone camera, pay bills, send Zelle P2P payments, locate branches/ATMs, and receive account alerts.
• Online Banking Web-based digital banking platform enabling personal and business customers to access accounts, perform transactions, view check imaging, retrieve e-statements, and pay bills — with multi-user access controls for business accounts.
• IntraFi Network Deposits Deposit sweep/insurance service via IntraFi Network that provides FDIC insurance coverage on deposits up to $50 million by placing funds across a network of banks, while deposits remain local for community lending reinvestment.
• Wealth Management Financial advisory and wealth management services delivered through an on-staff Financial Advisor, offering investment guidance and wealth management products to retail and business customers of the bank.

Quantifiable outcome

• 5-star financial rating from Bauer Financial (2021)
• +1 more outcomes

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

Feature4 records

Partnerships

Four partnerships are on record, tiered core.

• MastercardcoreTechnology or Integration · 9 January 2025Mastercard issuer for consumer and business credit card products including Platinum, World, and World Elite tiers. Provides global payment network, fraud protection (Zero Liability Protection, ID Theft Protection), and travel/lifestyle services.
• BancCardcoreChannel Partner/ Reseller/ DistributorBancCard is the leading merchant services provider with over 20 years of experience. West Tennessee Bank has partnered with BancCard to deliver payment processing solutions to merchant customers. BancCard partners with the industry's top five processors to deliver best-in-class payment systems, offering mobile/POS/virtual terminals, e-commerce, and contactless payments with 24/7 customer support.
• IntraFi NetworkcoreTechnology or IntegrationIntraFi Network Deposits provides FDIC insurance coverage on deposits up to $50 million without opening accounts at multiple banks. Through the IntraFi network, funds are divided among network banks keeping each portion under the $250,000 FDIC limit. Deposits stay local for reinvestment in community lending.
• Decatur County BankcoreOthersWest Tennessee Bank is a division/brand of Decatur County Bank, which was founded in 1899. Decatur County Bank operates the original headquarters in Decaturville and Parsons, while West Tennessee Bank serves surrounding counties including Jackson, Brownsville, and Germantown.

Scale indicators4 records

Recent moves10 records

Expansion highlights6 records

Broad incumbents

• Renasant Corporation: Tupelo, Mississippi-headquartered community bank with Tennessee operations. Comparable as a Southeast-focused community/commercial bank offering deposit, mortgage, and small business lending products to similar demographics.
• Simmons Bank: Arkansas-headquartered regional bank with significant Tennessee presence. Comparable as a community/commercial bank offering personal and business banking, SBA loans, and treasury management across Mid-South geographies overlapping West Tennessee.
• Pinnacle Financial Partners: Nashville-based community/commercial bank serving Tennessee and surrounding states. Directly comparable as a relationship-driven Tennessee bank competing in similar Mid-South markets with deposit, SBA lending, and treasury products, but operating at much greater scale.
• Trustmark Corporation: Mississippi-based regional bank with Tennessee branches. Comparable as a community/commercial bank providing deposit accounts, mortgage lending, and business banking services in adjacent Southern markets with similar customer profiles.
• BancorpSouth (now BancorpSouth Bank, part of Cadence Bank): Mississippi-based community/commercial bank with significant Tennessee branch presence. Comparable as a regional bank offering similar consumer and commercial banking products in overlapping Mid-South geographies.
• First Horizon Corporation: Memphis-headquartered regional bank holding company operating across Tennessee and the Southeast. Comparable to West Tennessee Bank as a Tennessee-anchored commercial and retail bank offering deposit, lending, and treasury services, though substantially larger and with full capital-markets capabilities.

Direct peers

• Volunteer State Bank: Tennessee community bank serving similar Mid-South and West Tennessee customer segments. Directly comparable as a community bank offering deposit accounts, SBA loans, and consumer/commercial lending to small-town and rural customers.
• Bank of Tennessee: Tennessee-based community bank offering personal and business banking across East and Middle Tennessee. Closely comparable as a Tennessee-headquartered community bank with similar product suite including SBA lending and treasury management.

Regional players

• FirstBank (First Horizon subsidiary brand in Tennessee): Tennessee-focused community bank brand operating within First Horizon. Directly comparable as a Tennessee community bank offering personal and business banking services with branch-based relationship model in overlapping markets.
• Citizens Bank of Lafayette: Small community bank serving Middle Tennessee with personal and business banking services. Comparable as a similarly-sized Tennessee community bank with comparable deposit and small business lending offerings.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/westtennesseebank
• LinkedInlinkedin.com/company/west-tn-bank
• Instagraminstagram.com/westtnbank

Compliance8 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles14 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 West Tennessee Bank