Texas Bank

What Texas Bank does

TexasBank is a privately-held, FDIC-insured community bank headquartered in Brownwood, Texas, with origins tracing to Merchant and Farmers National Bank in Weatherford (1889) and continuous Doss-family stewardship since 1913. The bank operates 19 branch locations across the DFW Metroplex, Central Texas, and West Texas, serving personal consumers, small-to-mid-sized businesses, and mortgage customers through relationship-based banking and digital channels. As of December 31, 2025, the bank reported $2.39B in total assets, $1.96B in net loans, $1.9B in deposits, and $295.6M in total capital, with a loan-to-deposit ratio of approximately 102% reflecting deep reinvestment of deposits into local lending.

The product portfolio spans personal checking and savings (Essential Checking, Elevated Checking, Empower Money Market, CDs, IRAs, HSA, Kids Savings with Greenlight debit), consumer lending (mortgage, home equity, home improvement, construction, auto, personal term loans), and business banking (Everyday/Enhanced/Enterprise Business Checking, commercial real estate loans, SBA loans, business term loans, lines of credit, specialty banking, merchant services, ACH, remote deposit capture). Technology infrastructure includes a proprietary iOS/Android mobile app, online banking platform, Zelle P2P integration, Apple Pay/Google Pay digital wallet support, SimpleNexus-powered mortgage origination, and Jack Henry Treasury Management for business clients. Distribution is multi-channel: 19 physical branches with local market presidents, in-person commercial lending and mortgage officers, a 24-hour telephone banking line, self-service online account opening, and an Allpoint ATM network.

The revenue model is a standard community bank net-interest-margin franchise, earning spread income on the $1.96B loan book funded by $1.9B in deposits, supplemented by overdraft/NSF fees ($25 per item, capped at 6/day), monthly account service fees (waived on Essential Checking), and mortgage origination fee income. Non-deposit community investment is a strategic differentiator: $2.9M+ in Doss Legacy Scholarships since 2013, $1M+ in annual nonprofit contributions, and partnerships with Casa Mañana (arts), Banzai (financial education), and the James and Dorothy Doss Foundation. The go-to-market is sales-led and relationship-based, with regional market presidents empowered to make local decisions, supported by Forbes & Fortune "Best in Banking - Texas" 2026 brand recognition.

Name

Texas Bank

Legal name

TexasBank

Website

https://texasbank.com

Company type

Private

Founded year

1889

Operating status

Operating

Headcount range

101–250 employees

Short description

TexasBank is a privately-held, FDIC-insured community bank serving personal, small business, and mortgage customers through 19 branches across the DFW Metroplex, Central Texas, and West Texas, with $2.39B in total assets as of December 31, 2025.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211)

SIC

State Commercial Banks (6022)

akta.pro primary industry

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

akta.pro secondary industries

Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB), SBA/Government-Backed & Development Finance Loans (FSAKAGAI)

Keywords

• Community banking
• Personal banking services
• Commercial lending
• Mortgage lending
• Business banking

Headquarters

HQ city

Brownwood

HQ country

United States

HQ region

North America

Offices16 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Primary revenue stream from interest earned on loans including mortgages, commercial real estate loans, business term loans, auto loans, personal loans, and construction loans. The bank had net loans of $1.96 billion as of December 31, 2025.
2. Deposit Interest Expense: Bank gathers deposits including checking, savings, money market, and CDs totaling $1.9 billion in deposits as of December 31, 2025. Interest paid on these deposits represents a cost but enables lending operations.
3. Overdraft and NSF Fees: Fee income from overdraft privilege service - $25 per item paid in overdraft, with maximum of 6 fees per day. Also includes returned item fees.
4. Account and Service Fees: Monthly service fees on certain accounts, wire transfer fees, and other banking service charges. Essential Checking has no monthly fee while Elevated Checking has $10 monthly fee waivered with $10K balance.
5. Mortgage Banking: Revenue from mortgage originations through the mortgage team, including purchase mortgages, refinances, home equity loans, and construction loans.

Pricing tiers

Go-to-market motion1 record

Distribution channels7 records

Marketing channels9 records

Core offering

TexasBank is a multi-generational, FDIC-insured community bank offering personal and business banking products including checking and savings accounts, money market accounts, CDs, IRAs, consumer loans (mortgage, auto, personal), and commercial lending (SBA loans, commercial real estate, lines of credit). The bank serves customers through 19 branch locations across the DFW Metroplex, Central Texas, and West Texas, complemented by a mobile banking app, online banking, Zelle peer-to-peer payments, and digital wallet support.

Product overview

TexasBank is a multi-generational full-service community bank offering a comprehensive portfolio of personal and business banking products. The core offering includes personal checking and savings accounts (Essential Checking, Elevated Checking, Essential Savings, Empower Money Market, CDs & IRAs), consumer lending (mortgage loans, home equity loans, construction loans, auto loans, personal term loans), and business banking services (checking accounts, commercial real estate loans, SBA loans, business lines of credit). Digital banking capabilities include a mobile app with check deposit, digital wallet integration (Apple Pay/Google Pay), and the RoundUp automatic savings program. The bank serves customers through 19 locations across DFW Metroplex, Central Texas, and West Texas, positioning itself as a community-focused alternative to larger national banks.

Differentiator

Problem solved

Functional benefit

Products and services

• Essential Checking Basic personal checking account with $50 opening deposit, no minimum balance, free paper/eStatements, unlimited free ATM transactions at TexasBank and Allpoint ATMs, and overdraft privilege available. For individual consumers.
• Elevated Checking Interest-earning personal checking account requiring $500 opening deposit and $10K average daily balance to waive $10 monthly fee, with relationship benefits such as 25% off safety deposit box. For individual consumers seeking interest on deposits.
• Essential Savings Personal savings account with no minimum balance requirements and competitive interest rates for growing savings. For individual consumers.
• Empower Money Market Personal money market account offering competitive rates to maximize savings with check-writing privileges. For individual consumers seeking higher-yield deposit options.
• CDs and IRAs Certificate of Deposit accounts and Individual Retirement Accounts with various term options and competitive rates. For individual consumers saving for retirement or seeking term deposits.
• Kids Savings and Greenlight Debit Savings accounts for children with no minimum balance, competitive rates, and a complimentary Greenlight app subscription with debit card providing parental controls and financial education. For families with children.
• Health Savings Account Tax-advantaged savings account for individuals with high-deductible health plans to save for qualified medical expenses. For individual consumers with HDHP coverage.
• Mortgage Loan Home purchase financing with competitive rates and personalized service through the mortgage application process. For homebuyers.
• Home Equity Loans Loans leveraging home equity for major expenses with flexible terms and competitive rates. For homeowners seeking to access home equity.
• Home Improvement Loans Financing options for home renovation and improvement projects with competitive rates and flexible terms. For homeowners undertaking renovation projects.
• Construction Loans Short-term financing for home construction projects with draw schedules tied to construction progress. For individuals building new homes.
• Auto Loans Vehicle financing with competitive rates and flexible terms for new and used automobiles. For individual consumers purchasing vehicles.
• Personal Term Loans Installment loans for personal expenses with competitive rates and a swift application process. For individual consumers seeking personal financing.
• Everyday Business Checking Basic business checking account for day-to-day banking needs with digital banking access. For small businesses.
• Enhanced Business Checking Business checking with enhanced features and benefits for growing businesses. For mid-sized businesses with higher transaction volumes.
• Enterprise Business Checking Large-scale business checking designed for enterprises with higher transaction volumes. For larger businesses with complex banking needs.
• Executive Money Market for Business Business money market account for optimizing returns on business deposits. For businesses seeking higher-yield business deposit accounts.
• Commercial Real Estate Loans Financing for commercial property acquisition, development, and refinancing. For businesses and commercial real estate investors.
• Business Term Loans Fixed-term financing for business expansion, equipment, and operational needs. For small to mid-sized businesses.
• SBA Loans Small Business Administration loans including 7(a) and 504 programs for qualified small businesses. For small businesses seeking government-backed financing.
• Business Lines of Credit Revolving credit facilities providing flexible financing for business operational needs. For businesses seeking flexible working capital.
• Specialty Banking Customized banking solutions and expert guidance for unique business requirements. For businesses with specialized or complex banking needs.
• Merchant Services Payment processing solutions for business customers to accept card transactions. For business customers needing card acceptance.
• Remote Deposit Capture Check deposit service allowing businesses to scan and deposit checks electronically. For business customers.
• ACH Services Automated Clearing House services for electronic payment processing including direct deposit and bill pay. For business customers needing electronic payment processing.
• TexasBank Mobile App Mobile banking application enabling customers to access accounts, deposit checks via photo, manage cards, make payments, send money with Zelle, and receive customizable alerts. Available on iOS and Android. For personal and business customers.
• Digital Banking Online banking platform providing 24/7 account access, bill pay, fund transfers, and account management through web and mobile channels. For personal and business customers.

Quantifiable outcome

• Loan-to-deposit ratio of ~102%, meaning nearly every dollar deposited is lent back to the community
• +3 more outcomes

Named customers6 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

Integration7 records

Feature4 records

Partnerships

Three partnerships are on record, tiered flagship and core.

• James and Dorothy Doss FoundationflagshipStrategic or Co-development Partner · 1 January 2013Established partnership with James and Dorothy Doss Foundation to administer the Doss Legacy Scholarship. Since 2013, the scholarship has awarded more than $2.9 million to students pursuing higher education. The scholarship program distributes funds directly to participating schools, colleges, and educational organizations which select recipients based on academic achievement, leadership, and community involvement.
• Casa MañanacoreStrategic or Co-development PartnerCommunity arts partnership enriching Fort Worth through live professional theatre and arts education. TexasBank customers receive a $5 discount on show tickets using code TXBANK5. Partnership supports the arts and community spirit in Fort Worth.
• BanzaicoreTechnology or IntegrationFinancial education content partnership providing interactive tools including calculators, budgeting resources, savings guides, insurance information, tax guidance, and borrowing education through the Banzai platform. TexasBank offers these tools free to customers and community members.

Scale indicators12 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• Cadence Bank: Cadence Bank is a regional bank with significant Texas presence providing consumer, commercial, and wealth services. Larger, multi-state presence makes it a broad incumbent rather than direct niche competitor.
• Hilltop Holdings (parent of PlainsCapital): Hilltop Holdings is the Dallas-based bank holding company owning PlainsCapital Bank and related broker-dealer and insurance businesses, providing a broader diversified financial services competitor in Texas consumer and commercial banking.

Direct peers

• FirstBank (formerly Happy State Bank): FirstBank is a Texas community bank with comparable geographic reach, multi-generational heritage, and a similar mix of consumer/SMB banking across Central, West, and North Texas. Comparable community-bank model and culture.
• Independent Bank Group: Independent Bank Group is a Texas-headquartered community bank holding company (NASDAQ: IBTX) operating across DFW, Austin, Houston, and broader Texas with comparable personal and commercial banking, mortgage, and SBA lending offerings. Closely comparable business mix, geography, and customer segments.
• Texas Capital Bank: Texas Capital Bank is a Dallas-based commercial bank serving businesses and consumers across Texas with similar deposit, treasury management, commercial lending, and mortgage products. Comparable full-service Texas-focused banking model.
• PlainsCapital Bank: PlainsCapital Bank is a Dallas-based commercial bank offering consumer deposit, commercial lending, and treasury management products across Texas. Comparable mid-size community-bank commercial orientation.
• Glacier Bancorp: Glacier Bancorp is a community bank holding company operating independent community banks across Western and Midwestern states, demonstrating a comparable community-bank acquisition and decentralized operating model.
• Extraco Banks: Extraco Banks is a Central Texas community bank offering personal, business, mortgage, and SBA lending across Central Texas markets. Closely comparable size, products, and regional community-banking orientation.
• Simmons Bank: Simmons Bank is a mid-size community bank offering comparable consumer and commercial banking across multiple states including Texas. Similar customer-first community banking positioning and full-service product set.
• VeraBank: VeraBank is a Texas community bank headquartered in Henderson, TX, serving East, Central, and North Texas with personal banking, business banking, and mortgage products. Comparable community-bank footprint and product mix.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/texasbank-111548728909128
• LinkedInlinkedin.com/company/texasbank1
• Instagraminstagram.com/texasbankstrong
• Xx.com/texas_bank

Compliance5 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

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Texas Bank