Texana Bank

What Texana Bank does

Texana Bank, N.A. is a privately held community bank founded in 1914 in Linden, Texas, operating seven full-service branches across East Texas and Southwest Arkansas, alongside a nationwide mortgage division. The bank delivers a full suite of personal banking (checking, savings, CDs, IRAs, consumer and vehicle loans), business banking (checking, savings, treasury management, merchant processing, commercial and agricultural loans), and mortgage products (conventional, FHA, VA, USDA, construction, and refinance) to individual consumers, small-to-mid-sized businesses, agricultural operators, and homebuyers. Its technology stack combines a traditional core banking platform with proprietary mobile and online banking applications, the SimpleView personal finance manager, and partner-integrated capabilities including Autobooks for business invoicing, TIB Card Services for credit cards, and a 50-state REMLO mortgage origination channel that licenses real estate agents as dual-capacity loan originators. The bank generates revenue primarily through net interest income on its loan portfolio (mortgage, commercial, consumer, agricultural) net of interest paid on deposits, supplemented by fee income from account services, treasury management, merchant processing, mortgage origination and servicing, and credit card revenue share. Its go-to-market combines physical branch relationship banking with digital self-service channels, targeting customers seeking community-oriented service, competitive deposit rates (up to 5.00% APY on Green Checking), and flexible commercial and agricultural lending that larger national banks are perceived to under-serve.

Name

Texana Bank

Legal name

Texana Bank, N.A.

Website

https://texanabank.com

Company type

Private

Founded year

1914

Operating status

Operating

Headcount range

101–250 employees

Short description

Texana Bank is a privately held Texas community bank founded in 1914, operating seven branches across East Texas and Arkansas with a nationwide mortgage division, serving consumers, small and mid-sized businesses, agricultural operators, and homebuyers through deposits, loans, treasury management, and merchant services.

Ownership category

akta.pro rank

Headquarters

HQ city

Texarkana

HQ country

United States

HQ region

North America

Offices8 records

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 interest earned on loans (mortgages, commercial loans, consumer loans, agricultural loans) net of interest paid on deposits. This traditional banking income forms the core of revenue.
2. Fee Income: Various banking fees including monthly service charges, ATM fees, wire transfer fees, overdraft fees, early withdrawal penalties on CDs, and account maintenance fees based on balance thresholds.
3. Mortgage Origination and Servicing: Revenue from originating and servicing mortgage loans, including origination fees and ongoing servicing rights.
4. Credit Card Partnership Revenue: Revenue share from TIB Card Services partnership for issuing business and consumer credit cards.
5. Treasury Management Services: Fees for cash management, merchant processing, and other business banking services.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels8 records

Core offering

Texana Bank is a community bank founded in 1914 that provides personal and business banking products, lending, treasury management, and merchant processing through 7 branches in East Texas and Arkansas, plus digital channels. The bank operates a national-chartered mortgage division (Texana Mortgage) originating loans across all 50 states, complemented by online and mobile banking platforms.

Product overview

Texana Bank operates as a regional community bank offering a comprehensive suite of banking products through a multi-location branch network spanning East Texas and Arkansas, with mortgage lending operations extending across all 50 states. The product portfolio is organized into three main pillars: Personal Banking (checking, savings, investments, loans, cards, digital banking), Business Banking (checking, savings, loans, treasury management, merchant services), and Mortgage Lending (Texana Mortgage division). Digital services include proprietary online and mobile banking platforms with integrated tools like SimpleView for personal finance management and Autobooks for business accounting. The bank emphasizes over 100 years of community banking experience, FDIC insurance coverage, and personalized customer service as differentiators.

Differentiator

Problem solved

Functional benefit

Brands

• Texana Bank Mortgage: Mortgage division of Texana Bank offering home purchase loans, refinance, construction loans, FHA, VA, USDA loans, and other mortgage products.

Products and services

• Texana Checking Standard personal checking account with no monthly fee when balance stays above $1,500, with e-statements enrolled, or with 10+ Visa transactions per month; otherwise a $5 monthly fee applies with $100 minimum opening.
• Interest Checking Interest-bearing checking account requiring $5,000+ minimum balance to earn interest and avoid a $15 monthly service fee, including Visa debit card, mobile banking, and ATM fee refunds up to $10 monthly.
• Texana Green Checking High-yield interest-bearing checking account paying 5.00% APY on the first $10,000 and 1.50% APY on the remaining balance when requirements (15 debit swipes, e-statements, and direct deposit or auto payment) are met monthly.
• Texana Rewards Checking Rewards checking account earning 2% cash back on up to $500 of debit card purchases per statement (max $10 monthly) with ATM fee refunds up to $25 monthly, requiring 15 debit transactions, e-statements, and direct deposit or auto payment.
• Savings Account Personal savings account earning a base 0.20% APY, upgradable to 0.75% APY when linked to an active checking account, with $25 minimum opening and no monthly fee for balances above $1,500.
• Investor Account Interest-bearing personal savings account earning interest on the average daily balance, including mobile and online banking access and paper or online statements.
• Premier Money Market Money market account featuring a 4.00% APY introductory rate for four months, then tiered rates ranging from 0.25% APY to 2.50% APY based on balance, with $2,500 minimum opening.
• Certificates of Deposit (CD) Fixed-term certificates of deposit with terms ranging from 6 months to 5 years, offering higher interest rates than standard savings accounts with certainty of return.
• CD Special Limited-time promotional 12-month Certificate of Deposit offering 4.00% APY, requiring $10,000 minimum new money with a new or existing Texana checking account.
• Individual Retirement Account (IRA) Retirement savings account with tax-deferred earnings and tax-deductible principal options, $1,000 minimum opening balance, terms from 12 months to 5 years, and competitive interest rates with early withdrawal penalties.
• Personal Loans Unsecured personal loans for paying down bills, medical expenses, car repairs, or high-interest debt consolidation, with customized loan terms based on individual financial situations.
• Consumer Loans General-purpose consumer loans for life's milestones including weddings, education, travel, and home renovations, with flexible loan amounts and payment plans.
• Home Equity Loans Loans using home equity as collateral for unexpected expenses, medical bills, college tuition, or home repairs, typically offering lower interest rates than credit cards.
• Home Purchase Loans Mortgages for purchasing primary residences with online application availability and step-by-step loan tracking from application to closing.
• Construction Loans Financing for building new homes with interest-only payments during construction, converting to a permanent mortgage upon completion and eliminating a second set of closing fees.
• Second Home Loans Mortgages for purchasing vacation homes or investment properties with competitive rates and personalized planning assistance.
• Home Improvement Loans Financing for home renovations and improvements with flexible payment options, allowing homeowners to make changes immediately and pay over time.
• Vehicle Loans Auto financing for purchasing new vehicles or refinancing existing loans, with low-interest loans and loan specialists assisting through the process.
• Boat & RV Loans Financing for boats and recreational vehicles with flexible interest rates and options customized to individual needs.
• Visa Debit Cards Free Visa debit cards accepted worldwide with 24/7 account access, automatic posting of purchases to linked accounts, and card management available through online banking and mobile app.
• Consumer Credit Cards Consumer credit card products offered in partnership with TIB Card Services, serviced through the cardaccount.net portal with various options and customer service.
• Mobile Banking App Free mobile application for iOS and Android enabling balance viewing, account activity, fund transfers, mobile check deposit, statement viewing, card management, alerts, two-factor authentication, and branch/ATM location.
• Online Banking (Personal) Web-based online banking platform accessible via computer, tablet, or smartphone, including bill pay, account transfers, statement viewing, and personal finance tools.
• Small Business Checking Fee-minimizing checking account for small businesses with no monthly fee, up to 200 free cleared transactions per month, and $0.15 per additional transaction.
• Commercial Checking Account Standard business checking with $10 monthly fee, per-item fees for checks and deposits, unlimited transactions, and access to mobile/online banking services including Bill Pay for up to 20 transactions.
• Commercial Savings Account Business savings account with $100 minimum to open, no fee if balance exceeds $200, earns interest, and limited to 6 preauthorized/automatic transfers monthly per federal regulations.
• Commercial Investor Account Business investment account earning interest on average daily balance with $100 minimum to open, no maintenance fee above $2,500 balance, and $12 monthly fee below that threshold.
• Commercial Real Estate Loans Mortgages for business property ownership with low interest rates and dedicated loan specialists supporting consistency, reduced overhead, and business growth.
• Commercial Equipment Loans Financing for business equipment of any size, customized to fit revenue stream and operational needs, covering unforeseen machinery needs, project expansions, and business growth scenarios.
• Business Line of Credit Revolving credit access for businesses to draw funds as needed for productivity maximization, with loan officers developing strategies tailored to business success and multiple credit line options.
• Commercial Vehicle Loans

Quantifiable outcome

• Up to 5.00% APY on Green Checking balances up to $10,000
• +3 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Feature5 records

Partnerships

Three partnerships are on record, tiered core.

• TIB Card ServicescoreChannel Partner/ Reseller/ DistributorTexana Bank has partnered with TIB Card Services to provide business and consumer credit card options to customers. Applications are processed through TIB systems, and customer service is handled by TIB representatives. Cards offer competitive rates and benefits through this white-label partnership.
• AutobookscoreTechnology or IntegrationAutobooks is integrated into Texana Bank's business banking platform to provide digital invoicing, payment processing, cash flow management, automated accounting, and financial reporting for small business customers.
• REMLO Program Partner Real Estate AgentscoreChannel Partner/ Reseller/ DistributorThe REMLO program partners with licensed real estate agents who become dual-capacity loan originators for Texana Bank, enabling them to assist clients with both real estate transactions and mortgage financing. Agents must apply and be approved through Texana's hiring process.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Market position

Competitive moat5 records

Key highlights7 records

Customer concentration

• Xx.com/texanabank
• YouTubeyoutube.com/channel/UCXy9N4gZ_tKDGjBQFixHGWA
• Facebookfacebook.com/TexanaBank
• LinkedInlinkedin.com/company/texanabank
• Instagraminstagram.com/texanabank

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles15 records

Subsidiaries1 record

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 Texana Bank