Today’s Bank

What Today’s Bank does

Today's Bank is a privately held, state-chartered community bank headquartered in Huntsville, Arkansas, founded in 1991. The bank operates 10 full-service branches across Northwest Arkansas and the Arkansas River Valley, serving individuals, families, and small-to-medium businesses in Fayetteville, Springdale, Huntsville, Pea Ridge, Mulberry, Alma, Van Buren, and Mansfield. Its product set spans the full community banking stack: demand deposits (checking, NOW, 50 Plus), interest-bearing accounts (savings, money market, CDs, IRAs, club accounts), consumer lending (personal, mortgage, home equity, credit cards), and commercial banking (business checking, ACH, positive pay, business loans, merchant services, remote deposit, business credit cards).

The technology stack is conventional community-bank infrastructure rather than a proprietary platform. Digital channels consist of online banking, the "Today's Bank Go" iOS/Android app with Touch ID/Face ID, mobile deposit with double encryption, and bill pay. Security relies on MFA, 2FA (voice/text codes, authenticator apps, FIDO keys), and the website meets WCAG 2.0 accessibility standards. The bank does not expose any public APIs, SDKs, or developer tooling. Mortgage origination is delivered via a white-label Rocket Mortgage integration, business credit cards are issued through TCM Bank N.A., and the SHAZAM network provides ATMs, fraud monitoring, and lost/stolen card support. QuickBooks WebConnect integration is available for business accounting reconciliation.

The business model is a standard community bank Net Interest Income (NII) plus fee model. Revenue is generated primarily from interest income on loans (mortgages, personal, business, lines of credit) and recurring deposit account fees, supplemented by transaction-based income from electronic banking, ATM and debit card interchange, merchant services processing, and business cash management fees. Go-to-market is direct-to-consumer and direct-to-SMB via branches, relationship bankers (e.g., market presidents for Huntsville, Springdale, and River Valley), and a small digital footprint. The bank is FDIC-insured (routing #082901745), holds Equal Housing Lender status and NMLS #341187, and operates with 51-100 employees.

Name

Today’s Bank

Legal name

Today's Bank

Website

https://todaysbank.com

Company type

Private

Founded year

1991

Operating status

Operating

Headcount range

51–100 employees

Short description

Today's Bank is a privately held Arkansas community bank operating 10 branches across Northwest Arkansas and the Arkansas River Valley, providing personal and business deposit, lending, and digital banking services to local individuals, families, and small-to-medium businesses.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

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

SIC

State Commercial Banks (6022)

akta.pro primary industry

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

akta.pro secondary industries

Branch & In-Person Banking (Teller/ATM Networks) (FSABAAAE), SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC), Credit Cards & Revolving Credit (FSABAAAC)

Keywords

• Community banking services
• Personal deposit accounts
• Commercial lending
• Small business banking
• Mortgage loan services

Headquarters

HQ city

Alma

HQ country

United States

HQ region

North America

Offices10 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. Interest Income on Loans: The bank generates revenue primarily through interest earned on various loan products including mortgage loans, personal loans, business loans, and lines of credit extended to individuals and businesses in their market areas
2. Deposit Services and Fees: Revenue from deposit account services including checking accounts, savings accounts, CDs, IRAs, and money market accounts with associated service fees and charges
3. Electronic Banking Services: Fees from online banking services, mobile banking, bill pay, wire transfers, and other electronic banking transaction services
4. ATM and Card Services: Revenue from ATM transactions, debit card services, and merchant services processing for business customers
5. Business Banking Services: Revenue from business deposit accounts, commercial lending, ACH services, positive pay protection, merchant services, and business credit cards issued through TCM Bank, N.A.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels4 records

Core offering

Today's Bank is a privately held community bank providing deposit accounts (checking, savings, CDs, IRAs, money market), consumer and commercial lending (personal loans, mortgages, home equity, business loans), and digital banking services (online and mobile banking, bill pay, mobile deposit) to individuals, families, and small-to-medium businesses across Northwest Arkansas and the Arkansas River Valley through 10 full-service branches.

Product overview

Today's Bank operates as a regional community bank providing a unified banking platform with integrated personal, business, and digital banking services. The core product portfolio spans deposit accounts (checking, savings, CDs, IRAs, money market, club accounts), lending (personal loans, mortgages, home equity, business loans), and digital channels (online banking, mobile banking, bill pay, mobile deposit). The digital banking platform connects to QuickBooks accounting software for business customers. Services are delivered through 10 branches across Northwest Arkansas and the Arkansas River Valley, supplemented by comprehensive online and mobile banking capabilities.

Differentiator

Problem solved

Functional benefit

Products and services

• Online Banking Web-based digital banking platform enabling personal and business customers to check balances, view transactions, transfer funds between accounts, pay bills, and manage accounts 24/7 from any browser, with multi-factor and two-factor authentication security.
• Mobile Banking Smartphone application (Today's Bank Go) available on iOS and Android enabling customers to access accounts, deposit checks remotely, transfer funds, and pay bills on-the-go with Touch ID and Face ID biometric authentication.
• Bill Pay Electronic bill payment service allowing personal customers to pay utilities, credit cards, and other recurring bills online or via the mobile app with scheduled and recurring payment options.
• Mobile Deposit Capture Remote deposit service enabling personal customers to photograph and deposit checks using the bank's mobile app without visiting a branch, with double encryption for secure transmission.
• Personal Checking Accounts Personal demand deposit accounts including Freedom Checking, 50 Plus Checking, and NOW Checking, providing everyday banking access with online and mobile access and instant issue debit cards.
• Personal Savings Accounts Interest-bearing personal deposit accounts including Regular Savings, Minor Savings, and Health Savings Accounts designed for general savings, youth banking, and tax-advantaged healthcare savings.
• Certificates of Deposit (CDs) and IRAs Time deposit accounts (CDs) and Individual Retirement Accounts (IRAs) with fixed terms and competitive interest rates for long-term savings and retirement planning.
• Money Market Accounts Interest-bearing personal deposit accounts offering higher yields than regular savings with limited check-writing and ATM access for personal customers.
• Club Accounts Specialized personal savings accounts including Christmas Club and Vacation Club accounts with automatic transfer features designed for targeted savings goals.
• Personal Loans Installment loans for individuals for vehicle purchases, recreational vehicles (boats, ATVs, RVs), debt consolidation, vacations, and emergency expenses, with personalized competitive rates offered to NWA and River Valley residents.
• Mortgage Loans Home financing solutions including purchase mortgages and refinancing options, supported by Rocket Mortgage partnership for online application capabilities alongside traditional in-branch mortgage services.
• Home Equity Mortgage Loans Home equity lending products allowing homeowners to borrow against accumulated equity in their properties for renovations, debt consolidation, or other personal financial needs.
• Personal Credit Cards Consumer credit card products with fraud protection, mobile payment support, and reward programs for individual customers.
• Business Checking Commercial demand deposit accounts tailored for business operations with multiple user access, enhanced transaction capabilities, and integrated cash management features.
• Business Savings Accounts Interest-bearing deposit accounts for businesses to hold operating reserves and earn yield on excess cash balances.
• Business CDs Time deposit accounts for businesses with fixed terms and competitive interest rates for treasury management and short-term investment of idle cash.
• Business Money Market Interest-bearing business deposit accounts offering higher yields with limited check-writing and ATM access for treasury management.
• Business Loans Commercial lending products including flexible business loans for growth, startup capital, equipment purchases, and working capital lines extended to Arkansas businesses.
• ACH Services Automated Clearing House services for businesses enabling direct deposit, vendor payments, and electronic funds transfers in batch through the bank's online business banking platform.
• Positive Pay Fraud protection service for business accounts that matches presented checks against issued check records to detect potentially fraudulent or altered items.
• Business Bill Pay Electronic payment service for businesses enabling scheduled payments to vendors, suppliers, and service providers with up to 24 months of payment history viewable through business online banking.
• Remote Deposit for Business Remote Deposit Capture service for businesses allowing electronic check deposits from multiple office locations without visiting a branch.
• Merchant Services Payment processing solutions for businesses including point-of-sale terminal services, payment security features, and PCI compliance support.
• Business Credit Cards Commercial credit card products issued through TCM Bank, N.A. with features including employee cards, transaction reporting, fraud monitoring, and rewards options for business customers.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature5 records

Partnerships

Three partnerships are on record, tiered supporting.

• QuickBooks (WebConnect)supportingTechnology or IntegrationQuickBooks WebConnect integration allows business customers to download account data directly into QuickBooks accounting software for streamlined financial management and tax preparation.
• SHAZAMsupportingTechnology or IntegrationSHAZAM provides the Privileged Status ATM network allowing Today's Bank customers to access ATMs nationwide without fees. Also provides fraud monitoring and card services including after-hours support for lost or stolen debit cards.
• Rocket MortgagesupportingTechnology or IntegrationToday's Bank offers mortgage loans powered by Rocket Mortgage, providing customers with access to online mortgage application and processing capabilities alongside traditional in-branch mortgage services.

Scale indicators3 records

Recent moves10 records

Expansion highlights6 records

Broad incumbents

• Simmons Bank: Arkansas-headquartered regional bank (Pine Bluff, AR) with a broad multi-state branch network across the South and Midwest. Competes with Today's Bank for consumer and small-business deposits and loans in Arkansas, with a much larger balance sheet.
• Bank OZK: Major Arkansas-based bank (formerly Bank of the Ozarks) headquartered in Little Rock, with a national footprint in commercial real estate lending and a large retail deposit base. Competes with Today's Bank in AR for both retail and small-business customers at a much larger scale.
• Arvest Bank: One of the largest community-oriented banks in Arkansas, headquartered in Bentonville, AR, with hundreds of branches across AR, MO, KS, OK. Directly competes with Today's Bank in Northwest Arkansas but at materially larger scale and broader product set.
• Centennial Bank: Subsidiary of Home BancShares, headquartered in Conway, AR, with branches across Arkansas and the Sunbelt. Operates a similar community-banking model at significantly larger scale and competes for retail and commercial relationships across the state.

Regional players

• Cadence Bank: Regional bank (formed via BancorpSouth/legacy mergers) with a significant Arkansas branch presence and full-service consumer and commercial banking. Comparable product set but operates across the broader Southeast rather than focused on a single community region.
• First Horizon Bank: Mid-South regional bank headquartered in Memphis, TN, with consumer and commercial banking operations extending into Arkansas. Comparable community-banking product offering but at much larger scale and a multi-state rather than single-region footprint.

Direct peers

• Southern Bancorp Bank: Community development financial institution headquartered in Arkadelphia, AR, providing deposit, lending, and financial-literacy services across rural Arkansas. Operates a similar community-focused model with comparable scale to Today's Bank.
• First Security Bank: State-chartered Arkansas community bank headquartered in Searcy, AR, with a similar footprint of branches across central and north Arkansas. Closely comparable in business model (consumer + small-business banking, deposit-funded lending, community focus) and scale to Today's Bank.
• Farmers Bank and Trust: Arkansas-headquartered community bank offering deposit accounts, consumer and commercial lending, and digital banking to retail and small-business customers across south Arkansas. Similar size band and community-bank value proposition as Today's Bank.
• Chambers Bank: Independently owned Arkansas community bank headquartered in Danville, AR, serving the Arkansas River Valley region — overlapping directly with Today's Bank's River Valley branches. Comparable in size, product mix (deposits, consumer/business lending), and community-bank positioning.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/todaysbank
• LinkedInlinkedin.com/company/todaysbank
• Instagraminstagram.com/todaysbank
• Xx.com/TodaysBank

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 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 Today’s Bank