Englewood Bank & Trust

What Englewood Bank & Trust does

Englewood Bank & Trust operates as a privately held, state-chartered community bank in Florida, FDIC-insured under Certificate ID 8021. The data on file primarily reflects the Crews Bank & Trust brand (crews.bank, routing number 063104927), led by CEO Jake Crews and CFO Bryan Pennybacker; the metadata naming versus the underlying entity creates a labeling discrepancy that should be reconciled before any external use. The bank serves individual consumers, local small and mid-sized businesses, and a smaller trust/wealth-management client base across the state of Florida through a multi-branch physical network and full digital channels (mobile app on iOS/Android, online banking, Zelle, and mobile wallet support via Apple Pay, Samsung Pay, and Google Pay).

The product suite spans core retail deposits (checking, savings, money market, HSA, time deposits, credit cards), consumer credit (mortgages, consumer loans, HELOCs), commercial lending (commercial real estate, SBA, term loans, business lines of credit, specialized products), and commercial services including a proprietary treasury management platform branded Crews Treasury Pro, merchant services, ACH origination, remote deposit, positive pay, and payroll services. The bank also operates a trust and wealth management practice delivered through dedicated relationship managers and seminars, plus a self-directed digital investing offering branded Crews Invest. Notable proprietary or partnered features include Early Access Checking (early check availability), Extended FDIC Coverage via the IntraFi network, and OpenAnywhere digital onboarding.

Revenue mechanics follow the standard community-bank model: net interest income from the spread on loans and securities versus interest paid on deposits is the primary driver, supplemented by non-interest fee income (account service charges, wire/overdraft fees, merchant services, treasury management fees) and trust/wealth management professional service fees. Pricing is not publicly disclosed and is quote-based or branch-determined. Go-to-market is community-led and relationship-based, combining physical branch sales, direct-to-consumer digital onboarding, local content (blog, financial tools), community events such as estate-planning seminars, and a refer-a-friend program. No acquisitions, funding rounds, or M&A activity are disclosed in the input data.

Name

Englewood Bank & Trust

Legal name

Crews Bank & Trust

Website

https://englewoodbank.com

Company type

Private

Founded year

1988

Operating status

Operating

Headcount range

11–50 employees

Short description

Englewood Bank & Trust is a privately held Florida community bank offering personal banking, business lending, treasury management, and trust/wealth services to consumers and local SMBs across the state.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Depository Credit Intermediation (5221), Funds, Trusts, and Other Financial Vehicles (525)

SIC

State Commercial Banks (6022)

akta.pro primary industry

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

Keywords

• Retail banking services
• Commercial lending
• Treasury management
• Wealth management services
• Community banking

Headquarters

HQ city

Englewood

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Net Interest Income: Primary revenue stream from the spread between interest earned on loans (mortgages, HELOCs, commercial real estate, SBA loans, term loans, business lines of credit) and interest paid on deposits (checking, savings, money market, time deposits, IRAs).
2. Fee-Based Income: Non-interest fee income from account service charges, wire transfer fees, overdraft fees, credit card transaction fees, merchant services, treasury management fees, and payroll services.
3. Trust and Wealth Management: Revenue from trust administration, estate services, document reviews, wealth management services, IRAs, and investment products. Investment products are not FDIC insured and may lose value.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels6 records

Core offering

Englewood Bank & Trust operates as a Florida-based community bank providing personal and business deposit products (checking, savings, money market, time deposits, HSAs), consumer and commercial lending (mortgages, HELOCs, consumer loans, commercial real estate loans, SBA loans, term loans, business lines of credit), treasury management and merchant services for businesses, digital investing, and trust and wealth management services.

Product overview

Crews Bank & Trust is a traditional community bank offering a unified suite of personal and business banking products and services. The core banking products include personal and business checking and savings accounts, money market accounts, time deposits, credit cards, and various lending products (mortgages, consumer loans, HELOCs, commercial real estate loans, SBA loans, and term loans). Digital banking is delivered through online and mobile platforms with features including bill pay, mobile wallet payments (Apple Pay, Samsung Pay, Google Pay), Zelle person-to-person payments, remote deposit capture, and digital investing through Crews Invest. Business banking includes treasury management services powered by Crews Treasury Pro, merchant services, ACH origination, payroll services, and Positive Pay. Wealth management and trust services are offered through dedicated trust professionals with estate planning, trust administration, and investment management capabilities.

Differentiator

Problem solved

Functional benefit

Brands

• Crews Treasury Pro: Treasury management solution for business customers
• Crews Invest
• Early Access Checking
• OpenAnywhere

Products and services

• Checking Accounts Personal and business checking accounts, including an Early Access Checking variant that provides early availability of direct-deposited funds before checks clear, intended to reduce overdraft exposure for account holders.
• Savings, Money Market, and Time Deposit Accounts Savings accounts, money market accounts, and time deposits (CDs) offered to both personal and business customers for short- and long-term deposit needs.
• Health Savings Accounts (HSA) Tax-advantaged Health Savings Accounts for individuals enrolled in high-deductible health plans to pay qualified medical expenses.
• Credit Cards Personal and business credit cards for everyday purchases and revolving credit access.
• Mortgages Home mortgage financing for personal residential property purchases.
• Consumer Loans Personal loans for individual borrowing needs and consumer-purpose financing.
• Home Equity Lines of Credit (HELOC) Revolving lines of credit secured by residential home equity for personal borrowing needs.
• Commercial Real Estate Loans Loans for commercial property purchases and commercial real estate investments by business borrowers.
• Term Loans Business term loans for general commercial financing needs.
• SBA Loans Small Business Administration-guaranteed loans supporting small business growth and development.
• Business Lines of Credit Revolving credit facilities for working capital and operational financing needs of businesses.
• Specialized Business Lending Products

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Scale indicators1 record

Recent moves1 record

Expansion highlights4 records

Direct peers

• Cogent Bank: Florida-based community bank serving consumers and small-to-mid-sized businesses with deposit, lending, and treasury services. Comparable in geographic focus and SME banking orientation.
• BayFirst Financial Corp: Florida community bank with personal, business, and SBA lending focus; comparable in Florida geographic concentration and SME lending emphasis.
• Capital City Bank Group: Florida-headquartered community bank holding company offering personal, business, and wealth management services across North Florida. Direct peer in regional community banking model.
• Seacoast Banking Corporation of Florida: Florida-headquartered community bank offering personal, business, and wealth management services across the state. Closest direct comparable in geography, scale, and full-service community banking model.

Broad incumbents

• Home BancShares (Centennial Bank): Larger regional bank holding company with material Florida franchise through Centennial Bank; competes across the same consumer and business banking segments but at greater scale.
• Bank OZK: Regional bank with significant Florida footprint specializing in commercial real estate lending alongside consumer and business banking. Comparable in CRE orientation but operates at substantially larger scale.
• Ameris Bancorp: Southeast-focused regional bank holding company offering full-service community banking with strong CRE and SBA lending. Comparable product set and SMB focus across adjacent Southeast geographies.
• First Horizon Bank: Southeast regional bank offering personal, business, and wealth services with growing Florida presence. Comparable service breadth but operates at significantly larger scale.
• Synovus Financial Corp: Southeast regional bank with Florida operations offering community-style personal and commercial banking. Comparable in customer segments but with broader geographic footprint and scale.
• Truist Financial Corporation: Large super-regional bank formed through mergers of multiple Southeast community banks, including Florida-based predecessors. Direct competitor in Florida deposit and SME banking with substantially greater scale and capital.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xtwitter.com/crewsbank
• YouTubeyoutube.com/@crewsbank
• Facebookfacebook.com/crewsbank
• LinkedInlinkedin.com/company/crewsbank
• Instagraminstagram.com/crews_bank

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Englewood Bank & Trust