T Bank

What T Bank does

T Bank, N.A. is a federally chartered national bank and SBA Preferred Lender headquartered in Dallas, Texas, operating as a wholly-owned subsidiary of publicly traded bank holding company Tectonic Financial, Inc. (NASDAQ: TFIN). Founded in 2014, the bank specializes in government-guaranteed and commercial lending for small businesses and entrepreneurs, offering SBA 7(a) loans (starting at $500K), SBA 504 loans (starting at $1M), USDA loans (starting at $1M), BIA Loan Guarantee Program loans for Native American entrepreneurs, commercial and conventional loans, professional practice loans, and invoice factoring. T Bank has cumulatively funded $2 billion in SBA loans nationwide, with a 48-hour term sheet commitment and standard 45-60 day closing timeline on clean files.

Beyond its lending core, T Bank operates a full-service business and personal banking suite — including business checking, savings, money market, remote deposit capture, high-yield CDs, and personal checking — supplemented by retirement and wealth services delivered through two wholly-owned sub-brands: The Nolan Company (employer retirement plans such as 401(k), Safe Harbor, Profit Sharing, and Cash Balance) and the Trust Department (fiduciary and estate services). The bank serves all 50 states as a federally chartered national bank with total assets of $1.1 billion, employing between 251 and 500 staff, and expanded its physical presence in March 2026 with a new branch at JPMorgan Chase Tower in Houston.

T Bank's revenue model is anchored in net interest income from originated loans, supplemented by loan origination fees (notably SBA guaranty fees and packaging fees), deposit account fees, and professional services revenue from retirement plan administration and trust services. Distribution combines direct sales through dedicated financing specialists, a Loan Broker Referral Program for partner-originated deals, a digital self-serve online banking platform, and an emerging Texas retail branch footprint. In January 2026, parent Tectonic Financial completed the Spinco separation of Tectonic Advisors, LLC to certain equity owners of Cain Watters & Associates, generating approximately 1.53 million shares and $35 million in cash proceeds, after which the board declared a $0.14 per share dividend and two directors resigned.

Name

T Bank

Legal name

T Bank, N.A.

Website

https://tbank.com

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

251–500 employees

Short description

T Bank, N.A. is a federally chartered national bank and SBA Preferred Lender providing SBA, USDA, BIA, and commercial loans, plus business banking, personal banking, and retirement services to entrepreneurs and small businesses across all 50 U.S. states.

Ownership category

akta.pro rank

Product category

Commercial Banking (SBA Lending)

NAICS

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

SIC

National Commercial Banks (6021)

akta.pro primary industry

SBA/Government-Backed & Development Finance Loans (FSAKAGAI)

akta.pro secondary industry

SME/Industrial Development Banks (FSABAKAF)

Keywords

• SBA preferred lending
• Commercial real estate financing
• Small business loans
• Business banking services
• Government-guaranteed loans

Headquarters

HQ city

Dallas

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Loan Interest and Fees: Primary revenue from interest income on SBA loans, USDA loans, commercial loans, and other financing products. Loan programs include SBA 7(a) starting at $500K, SBA 504 at $1M+, USDA loans at $1M+, commercial loans, professional practice loans, and invoice factoring.
2. Business Banking Services: Revenue from business checking accounts, savings accounts, money market services, and cash management tools that scale with business clients.
3. Retirement Plan Services: Revenue from employer retirement plans including 401(k), Safe Harbor, Profit Sharing, and Cash Balance plans through The Nolan Company and Trust Department.
4. Personal Banking Services: Revenue from personal checking, savings, and high-yield CDs for business owners and employees.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

T Bank is a federally chartered national bank that delivers SBA, USDA, BIA, and commercial financing to small businesses and entrepreneurs nationwide, with loan sizes ranging from $500K SBA 7(a) loans to $1M+ SBA 504 and USDA loans. The bank complements its lending core with full-service business banking (checking, savings, cash management, remote deposit capture, high-yield CDs), personal banking for owners and employees, and retirement plan services through The Nolan Company and Trust Department subsidiaries.

Product overview

T Bank is a federally chartered national bank and SBA Preferred Lender offering a comprehensive suite of government-guaranteed and commercial financing products. The core portfolio centers on SBA loans (7(a) and 504 programs), USDA loans, BIA loans, and commercial/conventional loans, complemented by full-service business banking (checking, savings, cash management) and personal banking. A secondary vertical is retirement services delivered through two sub-brands: The Nolan Company (employer retirement plans) and the Trust Department (wealth management). The bank operates nationwide across 50 states as a $2 billion funded institution.

Differentiator

Problem solved

Functional benefit

Products and services

• SBA 7(a) Loans Versatile SBA loan program for business acquisitions, partner buyouts, working capital, and debt refinancing, with loan sizes starting from $500K. Designed for small business owners and entrepreneurs who need flexible SBA-backed financing.
• SBA 504 Loans Loan program for purchasing or constructing commercial real estate and acquiring heavy machinery and major equipment, with loan sizes starting at $1 million. Long-term fixed-rate financing for owner-occupied commercial property and capital equipment.
• USDA Loans Business financing for eligible rural and semi-rural areas, covering real estate, equipment, and expansion projects, with loan amounts beginning at $1 million. Targeted at businesses in USDA-eligible geographies underserved by traditional lenders.
• BIA Loans (ILGP) Specialized loan program for eligible Native American and Alaska Native entrepreneurs, guaranteed by the Bureau of Indian Affairs, financing business startups to expansion. Addresses capital access gap for tribal business development.
• Commercial and Conventional Loans Financing or refinancing for commercial real estate acquisition/refinancing, business acquisitions, expansions, and equipment financing. Terms and amounts quoted based on credit approval.
• Professional Practice Loans Financing solutions tailored for professional practices. Targeted lending product for professional service firm owners.
• Invoice Factoring Cash flow solution enabling businesses to sell accounts receivable for immediate funding. Provides working capital by monetizing outstanding invoices.
• Business Checking Business checking accounts with money market and cash management tools that scale with business growth. Day-to-day operating account for business clients.
• Business Savings Business savings accounts for depositing and growing business reserves. Interest-bearing deposit product for business clients.
• Remote Deposit Capture Electronic check deposit service enabling businesses to deposit checks remotely without visiting a branch. Streamlines receivables processing for business banking clients.
• High-Yield CDs Certificate of deposit accounts with competitive interest rates for business and personal savings. Time-deposit product offered to both business and personal banking customers.
• Personal Checking Personal checking accounts for individuals, including business owners and employees. Consumer deposit account offering.
• The Nolan Company (Retirement Plans) Retirement plan services including 401(k), Safe Harbor, Profit Sharing, and Cash Balance plans for employers. Wholly-owned subsidiary of T Bank delivering employer-sponsored retirement plan administration.
• Trust Department Trust and fiduciary services for wealth management and estate planning. Wholly-owned subsidiary of T Bank providing fiduciary and trust services to clients.
• Referral Partner Program Program for loan brokers and partners to refer clients for SBA, USDA, and commercial financing. Channel partner program enabling third-party loan brokers to source deals for T Bank.

Quantifiable outcome

• 48-hour term sheet turnaround on complete submissions
• +2 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Cain Watters & Associates, LLCminorOthers · 5 January 2026Tectonic Financial (parent company of T Bank) completed separation and distribution of its subsidiary Tectonic Advisors, LLC (Spinco) to certain equity owners of Cain Watters & Associates, LLC. Transaction yielded approximately 1.53 million shares of Tectonic Financial common stock (22.25% of fully diluted shares) and $35 million in cash proceeds from refinanced promissory note.

Scale indicators5 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• Byline Bancorp: Byline Bancorp (NYSE: BY) is a Chicago-based commercial bank with a heavy SBA lending emphasis and a national small-business focus — directly comparable to T Bank in SBA-driven strategy and SMB target market.
• First Bancorp: First Bancorp (NASDAQ: FNLC) and similar small-cap commercial banks with SBA lending programs are comparable to T Bank as community-scale lenders specializing in government-guaranteed SBA/USDA lending to SMBs.
• Live Oak Bancshares: Live Oak Bancshares (NASDAQ: LOB) is the largest pure-play SBA lender in the U.S., operating as a niche-focused bank with a national digital lending model — the closest analog to T Bank's SBA-led specialty, with materially greater scale (~$13B+ assets).
• Brookline Bancorp: Brookline Bancorp (NASDAQ: BRKL) is a multi-bank holding company with commercial banking and specialty lending (including SBA) — directly comparable asset size range and SMB specialty lending focus.
• Customers Bancorp: Customers Bancorp (NYSE: CUBI) operates a digital-forward commercial bank with a national SBA lending program alongside specialty lending verticals — comparable to T Bank's SBA-led model with national reach.
• NewtekOne: NewtekOne (NASDAQ: NEWT) operates a small-business-focused bank holding company with SBA lending as a core offering alongside business and technology services — directly comparable to T Bank's SBA specialty and SMB target segment.

Broad incumbents

• Hilltop Holdings: Hilltop Holdings (NYSE: HTH) is a Dallas-based diversified financial services holding company whose subsidiary PlainsCapital Bank operates a Texas commercial bank with SBA and SMB lending — directly comparable geographic and product overlap with T Bank.
• Cadence Bank: Cadence Bank is a regional commercial bank with a significant Texas/Southeast presence, offering SBA lending and SMB services — comparable to T Bank in target market and product mix, but with materially larger scale and branch density.

Regional players

• Independent Bank Group: Independent Bank Group (NASDAQ: IBTX) is a Texas-based commercial bank holding company serving small and medium businesses — directly comparable as a Texas-headquartered peer competing in the same regional SMB deposit and lending market.
• Texas Capital Bancshares: Texas Capital Bancshares (NASDAQ: TCBI) is a Dallas-headquartered commercial bank serving businesses across Texas — direct Texas-market overlap with T Bank, particularly relevant given T Bank's Dallas HQ and Houston expansion.

Market position

Strengths4 records

Weaknesses3 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/p/T-Bank-100064840638237
• LinkedInlinkedin.com/company/t-bank

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries2 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 T Bank