What Austin County State Bank does

Austin County State Bank (ACS Bank) is a Texas state-chartered community bank that provides personal and business banking products and services through four full-service branches in Bellville (headquarters), Sealy, Industry, and Godley. Originally founded October 2, 1909, the bank was acquired by Texas Financial Bancorporation in 1997 and subsequently re-established in 2007 by local Bellville businessmen and women; it operates as a privately held, independent community institution with no disclosed institutional investors. The bank serves individual consumers, families, small-to-medium businesses, and agricultural producers, offering personal checking (Efficient, Basic, Plus Point, Founders), savings, money market, CDs (31 days to 5 years), IRAs (Traditional, Roth, SEP), HSAs, consumer loans (auto, recreational vehicles, home equity, mortgage via Texas Mortgage Partners and ACS Mortgage Solutions), and business products (Basic/Commercial/Interest checking, business savings/MMA, business CDs, commercial loans, agricultural loans, commercial real estate). Treasury management services for business customers include Positive Pay with ACH Filter-Block for fraud prevention, ACH origination, Remote Deposit Capture, and merchant services delivered through a partnership with TIB (Texas Independent Bank).

The technology stack is a standard community-bank digital platform: the iOS and Android mobile apps and web-based online banking (powered by Q2, per the app identifier) deliver mobile deposit, bill pay, P2P payments, Card Suite Lite card controls, Card Swap, e-statements, and Apple Watch access; digital wallets (Apple Pay, Samsung Pay, Google Pay) and surcharge-free ATM access through the TransFund network extend the digital surface. On the credit and deposit side, ACS Bank participates in the CDARS network for multi-million-dollar FDIC-insured CD placements and partners with TIB for consumer and commercial credit card issuance, with additional mortgage origination routed to Texas Mortgage Partners and ACS Mortgage Solutions.

The revenue model is classic community-bank net interest income: the primary driver is the spread between interest earned on loans (consumer, real estate, commercial, agricultural, commercial real estate) and interest paid on deposits (checking, savings, CDs, IRAs, MMA, HSA). Secondary revenue comes from account and service fees (monthly service charges, overdraft and return-item fees at $30 per item, excess withdrawal fees, paper statement fees), credit card interchange revenue share from TIB, treasury management fees (Positive Pay, ACH origination, RDC, merchant services via TIB), and CDARS reciprocal deposit arrangements. Go-to-market is community-led and branch-anchored, complemented by digital channels and a social media presence on Facebook, Instagram, and LinkedIn.

Name

Austin County State Bank

Legal name

Austin County State Bank

Website

https://acsbank.com

Company type

Private

Founded year

1909

Operating status

Operating

Headcount range

11–50 employees

Short description

Austin County State Bank is a privately held Texas community bank serving individuals, families, small-to-medium businesses, and agricultural producers across four branches in Bellville, Sealy, Industry, and Godley with deposit products, consumer and commercial lending, treasury management, and digital banking services.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (522110)

SIC

State Commercial Banks (6022)

akta.pro primary industry

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

akta.pro secondary industries

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC), Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB), Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI)

Keywords

• Community banking
• Personal banking
• Business banking
• Agricultural lending
• Treasury management

Headquarters

HQ city

Bellville

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: Primary revenue stream from the spread between interest earned on loans (consumer, business, agriculture, mortgage) and interest paid on deposits (checking, savings, CDs, IRAs, money market accounts). Interest income is generated from personal loans, real estate loans, home equity, commercial loans, agricultural loans, and commercial real estate.
2. Account and Service Fees: Monthly service charges on accounts when balance requirements are not met, excess withdrawal fees, return item/overdraft charges ($30 per item), paper statement fees, and E-statement fees. Business accounts also generate per-item fees beyond free allowances.
3. CDARS Partnership Revenue: Revenue derived from participation in the CDARS (Certificate of Deposit Account Registry Service) network, which enables placement of multi-million dollar deposits with FDIC insurance coverage, with reciprocal deposits placed at other CDARS member banks.
4. Treasury Management Services: Fees from Positive Pay (fraud protection), ACH origination (direct deposit, collections, payments), Remote Deposit Capture (RDC), and Merchant Services (via TIB Merchant Services partnership).
5. Credit Card Interchange: Revenue share from consumer and commercial credit cards issued in partnership with TIB (Texas Independent Bank).

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels5 records

Core offering

Austin County State Bank is a Texas community bank offering personal and business banking products including checking and savings accounts, certificates of deposit, IRAs, HSAs, consumer loans (auto, recreational vehicles, mortgage, home equity), and business loans (agriculture, commercial, commercial real estate). The bank also provides treasury management services such as Positive Pay, ACH origination, Remote Deposit Capture, and merchant services, supported by digital banking channels including mobile apps, online banking, and digital wallet integrations.

Product overview

Austin County State Bank is a community bank offering a unified portfolio of banking products and services for personal and business customers. The core offerings include personal and business checking/savings accounts, certificates of deposit (CDs), IRAs, HSAs, consumer loans (auto, mortgage, home equity), and business loans (agriculture, commercial, real estate). Treasury Management services provide business customers with fraud prevention tools like Positive Pay with ACH Filter-Block, ACH services, and Remote Deposit Capture. Digital Banking Services serve as the technology layer, providing mobile banking, e-statements, bill pay, mobile deposit, P2P payments, and Apple Watch access, supplemented by Card Suite Lite for debit card control. Additional services include credit cards via TIB partnership, CDARS for expanded FDIC coverage, and Safe Deposit Boxes. The bank operates four branches in Texas (Bellville, Sealy, Industry, Godley) with decisions made locally for personalized service.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking Accounts Personal checking account offerings including Efficient Checking (4.00% APY), Basic Checking, Plus Point Checking, and Founders Checking with varying balance requirements and features, designed for individual consumers and families.
• Personal Savings Accounts Personal savings products including Savings Account, Minor Savings, Money Market Account, Investors Account, and Christmas Club accounts with varying minimum balances, interest payment terms, and federal withdrawal limitations.
• Certificates of Deposit (CDs) Personal CDs with $1,000 minimum opening, terms ranging from 31 days to 5 years, fixed rates with interest paid quarterly, monthly or at maturity, and automatic renewal.
• Individual Retirement Accounts (IRA) Tax-advantaged retirement savings accounts offered in Traditional, Roth, and SEP IRA options for individual retirement planning.
• Health Savings Account (HSA) HSA with $50 opening deposit, no balance requirement, $3 monthly service charge, and tax-deductible contributions available for qualified medical expenses.
• Consumer Loans Personal loan products including auto loans, recreational vehicle loans, real estate loans, mortgage loans, home equity loans, construction loans, and land/lot financing for individual borrowers.
• Business Checking Accounts Business checking products including Basic Business Checking, Commercial Checking, and Business Interest Checking with varying balance requirements, per-item fees, and interest features designed for businesses of all sizes.
• Business Savings Accounts Business savings products including Business Savings Account ($100 to open, $250 minimum), Business Money Market Account ($100 to open, $1,500 minimum), and Business Investors Account ($10,000 to open), all with tiered interest and withdrawal limits.
• Business CDs Certificate of Deposit accounts for business customers providing fixed-rate term deposits.
• Business Loans Business financing including agriculture loans (equipment, livestock, crops, real estate), commercial loans (equipment, lines of credit), and commercial real estate loans for small to medium-sized businesses and agricultural operations.
• Treasury Management Business banking services including Positive Pay with ACH Filter Block for fraud prevention, ACH Origination for direct deposit and payments, Remote Deposit Capture for office check deposits, and Merchant Services via TIB partnership.
• Digital Banking Services Digital banking platform offering mobile banking apps (iOS and Android), e-statements, bill pay, mobile deposit, P2P payments, Apple Watch banking, Card Swap feature, and wallet pay integrations.
• Credit Cards Consumer and commercial credit card products offered through a partnership with TIB Bank, with revenue sharing on interchange.
• CDARS Certificate of Deposit Account Registry Service providing multi-million-dollar FDIC insurance coverage on CD investments through reciprocal deposits across member institutions.
• Safe Deposit Boxes Secure storage for important documents and valuables at local branches (contents not FDIC insured).
• Overdraft Privilege Program Discretionary overdraft protection service for eligible personal checking accounts providing up to $500 overdraft limit with optional Overdraft Sweep Feature linking to savings or money market accounts.

Quantifiable outcome

• Local loan decisions made by people customers know and trust, enabling quick decisions and personal consideration
• +1 more outcomes

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature5 records

Partnerships

Two partnerships are on record, tiered minor.

• Texas Mortgage Partners, LLCminorChannel Partner/ Reseller/ DistributorTexas Mortgage Partners, LLC is a mortgage lending partner of Austin County State Bank, referenced on the consumer loans page as a provider of mortgage loan products for customers.
• ACS Mortgage SolutionsminorChannel Partner/ Reseller/ DistributorACS Mortgage Solutions is a mortgage lending partner of Austin County State Bank, referenced as a provider of mortgage loan products for customers on the consumer loans page.

Scale indicators4 records

Recent moves8 records

Expansion highlights5 records

Direct peers

• VeraBank: VeraBank is a Texas-based independent community bank with a comparable mix of personal, business, and agricultural lending across rural East Texas markets. Similar community banking model with deposit gathering, lending, and treasury management products aimed at small businesses and ag customers.
• Legend Bank, N.A. Legend Bank is a North Texas community bank of similar scale that focuses on ag lending, small business banking, and consumer products in smaller markets. Highly comparable operating model and product set to ACS Bank's community banking franchise.
• First Financial Bank (Texas): First Financial Bank is a Texas-rooted community bank with personal and business banking, ag lending, and digital channels across smaller Texas markets. Closely comparable customer segments and product portfolio to ACS Bank.
• Woodforest National Bank: Woodforest National Bank operates a community banking model with personal and business deposit accounts, consumer lending, and digital banking, with a footprint heavier in retail-adjacent locations. Useful comparable for community banking product breadth and digital feature parity.
• Happy State Bank: Happy State Bank is a Texas-based community bank historically focused on small-town markets with consumer and business banking. Direct overlap with ACS on community-led go-to-market, deposit products, and ag/commercial lending.
• Citizens State Bank: Citizens State Bank is a small Texas community bank offering personal and business banking, ag lending, and digital services to rural customers. Closely comparable scale, footprint, and customer base to ACS Bank.

Broad incumbents

• PlainsCapital Bank: PlainsCapital Bank is a larger Texas-based commercial bank with consumer, business, and treasury management offerings that overlap ACS Bank's product set. Useful as a broader-scope Texas incumbent comparable for product breadth and competitive context.
• Prosperity Bancshares: Prosperity Bancshares is one of the largest Texas-focused banking groups with a community banking acquisition strategy across smaller Texas markets. Provides a useful comparable for both product overlap and potential acquirer perspective.
• Texas Capital Bank: Texas Capital Bank is a Texas-based commercial bank offering business banking, treasury management, and consumer products at scale. Serves as a broad-incumbent comparable for the same Texas geography and overlapping business banking products.

Others

• TIB (The Independent BankersBank): TIB is the partner bank providing credit card issuance and merchant services infrastructure for ACS Bank. It is an enabling ecosystem participant rather than a competitor, useful as a strategic reference for ACS's partnership-led extensions.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/AustinCountyStateBank
• LinkedInlinkedin.com/company/austin-county-state-bank
• Instagraminstagram.com/austincountystatebanktx/?igshid=1i1fn35arqj2m

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

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 Austin County State Bank