Crockett National Bank

What Crockett National Bank does

Crockett National Bank (operating as Pinnacle Bank) is a Texas-based, FDIC-insured community bank providing personal and business banking products and services through a hybrid branch-and-digital channel model. Its product set spans five consumer checking tiers (Free Checking, Select Checking, Diamond Secure, Interest Checking, and Relationship Account), savings and money market accounts, certificates of deposit, IRAs, HSAs (including an HSA Investment Account), home mortgages, auto loans, Visa credit and debit cards, and business banking services including commercial checking, business money market, treasury management, remote deposit capture, and wire transfers. Digital infrastructure includes an online banking platform, a mobile banking application with remote deposit, eStatements, Zelle for person-to-peer payments, and Apple Pay integration, supplemented by self-service online account opening for both consumer and business customers.

The bank's revenue model is built on standard community bank mechanics: net interest income from lending products (mortgages, auto loans, commercial lending) and from the spread on deposits and CDs, supplemented by recurring fee revenue from checking accounts, transaction-based fees (wire transfers, treasury management, remote deposit capture), and interchange/interest from Visa credit card products. Pricing is largely subscription-style (monthly checking fees, with several no-fee tiers) supplemented by quote-based loan pricing. The go-to-market combines traditional relationship banking via local bankers and treasury management specialists for SMB and mid-market business clients with self-service digital onboarding for consumers.

The firm operates as a private, Texas-chartered institution with no disclosed parent company, no public ticker, no funding rounds, and no recorded M&A activity in the input data. Leadership team, revenue, deposit base, and balance sheet metrics are not disclosed. Customer base spans a horizontal segmentation approach across individual consumers and small-to-mid-sized businesses throughout Texas, with marketing emphasizing local relationships, digital convenience, FDIC-backed security, and community presence.

Name

Crockett National Bank

Legal name

Pinnacle Bank

Website

https://crockettnationalbank.com

Company type

Private

Founded year

1983

Operating status

Operating

Headcount range

51–100 employees

Short description

Crockett National Bank (operating as Pinnacle Bank) is a Texas-based, FDIC-insured community bank offering personal and business banking products — checking, savings, CDs, loans, and treasury services — through physical branches and digital channels to consumers and small-to-mid-sized businesses.

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 industry

Credit Cards & Revolving Credit (FSABAAAC)

Keywords

• Retail banking services
• Consumer lending
• Business banking
• Mortgage loans
• Treasury management

Headquarters

HQ city

San Antonio

HQ country

United States

HQ region

North America

Offices2 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. Checking and Savings Account Fees: Monthly service fees on checking accounts (some accounts have no monthly fees), ATM fee refunds for specific segments (seniors, students, military)
2. Certificate of Deposit Interest: Higher-yielding CD products for customer savings; bank earns spread on interest rates
3. Loan Products: Mortgage loans, auto loans, and other lending products generating interest income
4. Credit Card Fees and Interest: Visa credit card products with associated fees and interest revenue
5. Banking Services: Wire transfer services, treasury management services, remote deposit capture, and other fee-based banking services

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels4 records

Core offering

Crockett National Bank (operating as Pinnacle Bank) is a Texas-chartered FDIC-insured community bank offering personal and business banking products. Core offerings include checking accounts, savings and money market accounts, certificates of deposit, IRAs, HSAs, mortgage and auto loans, credit cards, and digital banking services. Business banking includes commercial checking, treasury management, wire transfer services, remote deposit capture, and commercial lending.

Product overview

Pinnacle Bank offers a comprehensive single-platform banking ecosystem with personal and business banking products organized into distinct service lines. Personal banking includes multiple checking account tiers (Free Checking, Select Checking, Diamond Secure, Interest Checking, and Relationship Account) providing options from basic no-fee banking to premium relationship-based accounts. Savings offerings include PinnSavings, PinnCheck Market (money market), Minor Savings, and Certificates of Deposit. Investment products encompass Health Savings Accounts (HSA with investment option) and Individual Retirement Accounts. Lending products span home mortgages, credit cards, auto loans, and other personal loans. Business banking includes specialized commercial checking, money market, debit/credit cards, treasury management services, remote deposit capture, wire transfers, and commercial lending. All segments share common digital banking infrastructure including online banking, mobile banking with remote deposit capabilities, and integrated payment services (Apple Pay, Zelle, Visa).

Differentiator

Problem solved

Functional benefit

Products and services

• Free Checking No-monthly-fee personal checking account with $10 ATM refunds for seniors, students, and military members, including free online and mobile banking, eStatements, and no minimum balance requirement.
• Select Checking Account Personal checking account with enhanced features for customers seeking services beyond basic banking.
• Diamond Secure Account Full-service personal checking account with free Visa Debit Card, free online and mobile banking, eStatements, and no minimum balance requirements.
• Interest Checking Account Personal checking account that earns interest on balances while providing full banking functionality.
• Relationship Account Premium personal checking account for customers seeking relationship-based savings growth and enhanced banking benefits.
• PinnSavings Account Personal savings account with monthly contribution options designed to grow savings over time.
• PinnCheck Market Account Personal money market account offering competitive yields while maintaining accessibility to funds.
• Minor Savings Account Savings account designed for minors with parental oversight and age-appropriate banking features.
• Certificates of Deposit (CDs) Time deposit products offering higher yields in exchange for fixed-term commitment of funds.
• Health Savings Account (HSA) Tax-advantaged account for saving and paying for qualified medical expenses not covered by insurance.
• HSA Investment Account Investment option within HSA that allows funds to be invested for long-term growth beyond immediate healthcare needs.
• Individual Retirement Accounts (IRAs) Tax-advantaged retirement savings accounts including traditional and Roth IRA options.
• Home Loans Mortgage solutions for purchasing, building, or refinancing homes with personalized local lender support.
• Credit Cards Visa-branded credit cards with contactless payment capabilities for secure everyday purchases.
• Auto Loans Flexible vehicle financing with expedited approval process for purchasing automobiles.
• Online Banking Web-based banking platform enabling account management, transfers, and bill payments from any computer.
• Mobile Banking Smartphone application for viewing balances, transactions, fund transfers, mobile deposits, and bill payments.
• PinnPay Online Bill Pay Electronic bill payment service for paying recurring and one-time bills through the online banking platform.
• TransferNow External fund transfer service for moving money between accounts at different financial institutions.
• Business Checking Commercial checking account designed for business banking needs with treasury management integration.
• PinnStar Business Money Market Business money market account offering competitive yields with business-friendly access features.
• Business Visa Debit Card Commercial debit card for business purchases and ATM access with enhanced spending controls.
• Business Credit Cards Credit card products tailored for business spending and cash flow management.
• Treasury Management Comprehensive cash management services including wire transfers, insured deposits, and liquidity management for businesses.
• Remote Deposit Capture Service allowing businesses to deposit checks remotely by scanning documents for electronic submission.
• Wire Transfer Service Electronic funds transfer service for domestic and international wire transactions.
• Commercial Lending Business financing solutions for commercial projects and operational capital needs, including loans and lines of credit.

Named customers2 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability1 record

Scale indicators1 record

Recent moves4 records

Expansion highlights3 records

Direct peers

• Frost Bank: Texas-headquartered regional bank offering a similar full suite of consumer and business banking products across multiple Texas markets. Comparable deposit-funded model, relationship banking approach, and branch-led distribution make it the closest head-to-head competitor.
• Independent Bank Group: Texas-headquartered community bank serving consumers and small businesses with checking, savings, lending, and treasury products. Comparable scale, branch footprint, and customer profile to the subject bank.
• Prosperity Bancshares: Texas-based community and commercial bank with dense Texas branch coverage and a comparable product mix in deposits, lending, and treasury services. Closely aligned on customer segments (consumers, SMBs) and geography.
• Broadway Bank: San Antonio-based community bank with a long Texas heritage, relationship-driven commercial and consumer banking model, and similar product breadth. Directly comparable in mission, footprint, and customer approach.
• Extraco Banks: Texas-based community bank with a relationship-banking model serving consumers and businesses. Closely comparable in scale, branch footprint in secondary Texas markets, and product breadth.

Broad incumbents

• Comerica Bank: Large regional bank with substantial Texas operations, including consumer, small business, and middle-market commercial banking. Larger and more diversified, but overlapping on Texas SMB and treasury services.
• BOK Financial (Bank of Texas): Financial holding company with a Texas banking franchise offering consumer, commercial, and treasury services. Larger and more diversified but competes in the same Texas SMB and consumer segments.
• Cadence Bank: Multi-state regional bank with Texas presence offering consumer and commercial banking, treasury management, and lending. Broader geographic reach but overlapping on SMB and consumer banking products.
• Texas Capital Bank: Texas-based commercial bank with a stronger emphasis on business and commercial banking, treasury management, and capital markets services. Broader and larger than the subject bank but overlapping on Texas SMB and treasury customers.

Regional players

• First National Bank of Texas / First Convenience Bank: Texas-focused community bank with dense in-state branch coverage and consumer-banking emphasis. Overlaps on retail deposits, personal lending, and digital banking products.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/CrockettNB
• LinkedInlinkedin.com/company/crockett-national-bank

Compliance1 record

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 Crockett National Bank