Johnson City Bank
Johnson City Bank is a state-chartered, FDIC-insured community bank founded in 1944 in Johnson City, Texas, serving consumer, agricultural, small business, and real estate customers across six Texas Hill Country counties with traditional deposit and loan products supported by third-party digital banking platforms.
- Company typePrivate
- Founded1944
- HeadquartersJohnson City, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Johnson City Bank does
Johnson City Bank is a state-chartered, FDIC-insured community bank founded in 1944 and headquartered in Johnson City, Texas. It operates a single Main Branch plus a Motor Bank drive-thru, serving consumer, small business, agricultural, and real estate customers across six Texas Hill Country counties (Blanco, Gillespie, Burnet, Hays, Travis, and Comal). The bank offers a standard community-bank product set, including checking and savings accounts, money market accounts, certificates of deposit (CDs), IRAs, consumer and commercial loans, agricultural lending, and real estate mortgages, with a loan portfolio of approximately $85.9M against $130.7M in deposits and $148.7M in total assets as of March 31, 2026.
The bank's technology footprint is built almost entirely on third-party vendor platforms rather than proprietary infrastructure: mobile banking is delivered via ProfitStars, online banking and web hosting are managed through FIS, loan payment processing is handled by Allied Payment, and cybersecurity awareness content is sourced from CoNetrix. Digital channels include a web portal, mobile applications, telephone banking, Apple Pay, and remote eDeposits, supplemented by traditional in-branch and drive-thru service. No proprietary technology, patents, or in-house development capability is disclosed.
The business model is a traditional spread-based community banking model: net interest income from the loan portfolio and the $37.4M federal funds sold position, supplemented by deposit-related fee income. The bank funds itself primarily through retail and small-business deposits ($130.7M) and maintains a capital base of approximately $17.8M. Revenue mechanics are conventional for a community bank of this asset size, with no disclosed alternative fee streams, wealth management, treasury, or capital markets activities.
Johnson City Bank firmographics
Firmographics- Name
- Johnson City Bank
- Legal name
- Johnson City Bank
- Website
- https://j-cbank.com
- Company type
- Private
- Founded year
- 1944
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Johnson City Bank is a state-chartered, FDIC-insured community bank founded in 1944 in Johnson City, Texas, serving consumer, agricultural, small business, and real estate customers across six Texas Hill Country counties with traditional deposit and loan products supported by third-party digital banking platforms.
- Ownership category
- akta.pro rank
Johnson City Bank industry classification
Industry- 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
- Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI)
Keywords
Where Johnson City Bank is headquartered
LocationHeadquarters
- HQ city
- Johnson City
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Johnson City Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure
Revenue model
- Net Interest Income: Interest income from loan portfolio ($85.8M in loans as of March 31, 2026) including personal, commercial, agricultural, real estate, and consumer loans, offset by interest paid on deposits.
- Deposit Service Fees: Monthly maintenance fees on checking accounts (Personal Checking $6/month below $600 balance, Secure Checking $8/month, NOW Account $15/month below $1,000 balance, etc.) and money market account fees ($15/month below $2,500 balance).
- Federal Funds Sold: Income from overnight lending to other banks (Federal Funds Sold of $37.4M as of March 31, 2026), generating interest income on excess reserves.
- Securities Income: Interest and dividend income from investment securities portfolio ($19.0M as of March 31, 2026).
- Safe Deposit Box Rental: Annual rental fees for safe deposit boxes ranging from $25 (3x5) to $75 (10x10) per year, plus $25 refundable key deposit.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Safe Deposit Box Sizes |
| Subscription | Monthly | Personal Checking |
| Subscription | Monthly | Golden Club Checking (55+) |
| Subscription | Monthly | Student Checking |
| Subscription | Monthly | Secure Checking |
| Subscription | Monthly | Commercial Checking |
| Subscription | Monthly | Business Interest Checking |
| Subscription | Monthly | NOW Account |
| Subscription | Quarterly | Savings Account |
| Subscription | Monthly | Hi-Fi Money Market |
| Subscription | Annual | Certificate of Deposit |
| Subscription | Annual | IRA (12-month term) |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels3 records
Johnson City Bank product offering
Product offeringCore offering
Johnson City Bank is a Texas state-chartered community bank providing a complete range of deposit and lending products to individuals, small businesses, farmers/ranchers, and real estate customers in the Texas Hill Country. Its portfolio includes personal and commercial checking, savings, CDs, IRAs, safe deposit boxes, personal/commercial/agricultural/real estate loans, and digital banking services (online banking, mobile app, bill pay, Apple Pay, eDeposit, eStatements, telephone banking).
Product overview
Johnson City Bank is a regional community bank headquartered in Johnson City, Texas, offering a comprehensive suite of traditional banking products and digital banking services. The bank's product portfolio consists of core deposit products (checking accounts in 8 variants, savings accounts, certificates of deposit, and IRAs) and lending products (personal, commercial, agricultural, and real estate loans). Digital banking services include Online Banking, Online Bill Pay, Mobile Banking with native iOS/Android apps, Mobile eDeposit for remote check capture, eStatements, Apple Pay integration, and Telephone Banking. The bank operates as a single-institution community bank with no disclosed API for third-party integrations.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Checking Basic consumer checking account requiring $50 minimum to open and $600 average daily balance to avoid a $6 monthly service fee; targeted at general individual consumers.
- Golden Club Checking No-monthly-fee checking account for customers age 55 and older, with complimentary Golden Club checks provided for life.
- Student Checking Student checking account with no monthly minimum balance fees, requiring periodic student ID verification; targeted at students.
- Secure Checking Consumer checking account with $8 monthly maintenance fee, complimentary Secure Checking checks, and no-fee cashier's checks for the life of the account.
- Commercial Checking Business checking account charging a $10 service fee if the average daily balance falls below $600 per monthly statement cycle; targeted at local small businesses.
- Business Interest Checking Interest-bearing business checking account requiring $2,500 minimum daily balance to earn the disclosed APY and avoid the $15 monthly fee.
- NOW Account Negotiable Order of Withdrawal checking account with $1,000 minimum opening deposit and balance requirement to avoid a $15 monthly fee.
- Super NOW Account Higher-yield NOW account with a variable interest rate, minimum opening deposit, and balance requirements; targeted at customers seeking higher checking yields.
- Savings Account Interest-bearing consumer savings account with $50 minimum opening deposit, $200 minimum daily balance to obtain the APY, quarterly compounding, and a six-withdrawal monthly limit.
- Hi-Fi Money Market Account Money market account with $2,500 minimum opening and daily balance, $15 monthly fee if balance falls below minimum, and $3 charge per debit transaction exceeding six per cycle.
- Certificate of Deposit (CD) Time deposit with terms from 7 days to 5 years, $1,000 minimum opening deposit, monthly compounding interest, early-withdrawal penalties, and auto-renewal with a 10-day grace period.
- Individual Retirement Account (IRA) Tax-advantaged retirement savings account with a 12-month term, $100 minimum opening deposit, fixed interest rate, monthly compounding, and early-withdrawal penalties.
- Safe Deposit Boxes Secure vault storage for valuables available in four sizes (3x5 to 10x10) with annual rental fees from $25 to $75 plus a $25 refundable key deposit; FDIC does not insure contents.
- Personal Loans Secured and unsecured signature loans customized for individual personal financial needs; arranged through bank loan officers.
- Commercial Loans Business financing including operating lines of credit and term loans for equipment, designed to support small-business operations and growth.
- Agriculture Loans Agricultural financing including operating lines of credit and term loans for livestock, crops, and farm equipment, targeted at farmers and ranchers in the Texas Hill Country.
- Real Estate Loans Residential mortgage financing for building, purchasing, or improving homes, offered via loan officer consultation.
- Lots/Acreage Loans Land purchase financing for residential lots and acreage in the Texas Hill Country, with competitive rates and terms arranged through loan officers.
- Commercial Real Estate Loans Financing for commercial properties supporting business expansion and community growth across the bank's service area.
- Online Banking Browser-based digital banking platform with intuitive navigation, device-adaptive design for desktop/tablet/smartphone, touch-enabled capabilities, and real-time account access.
- Online Bill Pay Electronic bill payment service enabling payments to any U.S. recipient via check or automatic debit, with 24-month payment history, automatic scheduling, and SSL/128-bit encryption security.
- Apple Pay Mobile payment integration enabling Johnson City Bank debit card use with iPhone for contactless in-store and in-app purchases via Touch ID and encrypted Device Account Numbers.
- Mobile eDeposit Remote check deposit service allowing customers to capture check images via smartphone/tablet for electronic deposit, with $5,000 daily and $30,000 monthly deposit limits.
- eStatements Electronic statement delivery service replacing paper statements with email notifications when statements are available for retrieval in PDF format.
- Mobile Banking App Native iOS and Android mobile banking application enabling account balance checks, fund transfers, and loan payments on the go; built on the ProfitStars/TeleWeb platform.
- Telephone Banking 24-hour automated phone banking service (1-855-947-3852) providing balance inquiries, transaction history, fund transfers, CD information, loan payments, and security code changes via touch-tone phone.
Companies that use Johnson City Bank
Customer profileSegments4 records
Ideal customer profiles4 records
Johnson City Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Johnson City Bank partnerships and signals
Strategic signalPartnerships
One partnership is on record.
Scale indicators5 records
Recent moves5 records
Expansion highlights3 records
Johnson City Bank competitors and assessment
Company assessmentBroad incumbents
- Cadence Bank: Multi-state regional bank with strong Texas presence offering consumer, small business, and commercial banking. Competes with JCB for branch and deposit relationships in overlapping Texas markets.
- Independent Bank Group: Texas-headquartered community banking franchise with a substantially larger branch network and similar commercial/consumer banking focus. Sets the competitive benchmark for scale within Texas community banking.
- Prosperity Bank: One of the largest Texas community banks with a dense branch network including Central Texas locations. Represents the scaled incumbent competing for the same deposit and small-business relationships.
Direct peers
- Hill Country State Bank: Community bank headquartered in the Texas Hill Country with a comparable small-town, relationship-driven model serving overlapping rural and exurban counties. Directly comparable in scale, product set, and customer base.
- VeraBank: Texas community bank operating in similar rural and small-metro markets across Central and East Texas with comparable deposit and loan products. Closely comparable in size range and customer segmentation.
- Texas Regional Bank: South Texas community bank with full-service personal and commercial banking in small cities and rural counties. Comparable product breadth and relationship banking model.
- FirstCapital Bank of Texas: Texas community bank providing personal, business, and wealth management services across Central and South Texas markets. Comparable deposit-gathering and small-business lending focus.
- Citizens State Bank: Texas community bank offering deposit, lending, and digital banking services to small towns and rural communities. Closely comparable in community banking focus and product mix.
- First National Bank of Bellville: Independent Texas community bank in Austin County serving ag, small business, and consumer segments with a similar mix of deposit products and agricultural/real estate lending. Comparable in scale and operating philosophy.
Others
- FIS / ProfitStars: Core and digital banking technology provider whose ProfitStars/TeleWeb platform underpins JCB's online and mobile banking. Ecosystem participant rather than competitor, but shapes JCB's digital roadmap and feature velocity.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Johnson City Bank social profiles
Digital presenceJohnson City Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Johnson City Bank leadership team
Management profileNumber of profiles
Profiles12 records
Johnson City Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Johnson City Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Johnson City Bank
What does Johnson City Bank do?
Johnson City Bank is a Texas state-chartered community bank providing a complete range of deposit and lending products to individuals, small businesses, farmers/ranchers, and real estate customers in the Texas Hill Country. Its portfolio includes personal and commercial checking, savings, CDs, IRAs, safe deposit boxes, personal/commercial/agricultural/real estate loans, and digital banking services (online banking, mobile app, bill pay, Apple Pay, eDeposit, eStatements, telephone banking).
Is Johnson City Bank a public or private company?
Johnson City Bank is a private company. It is classified as management employee owned and is currently operating.
When was Johnson City Bank founded?
Johnson City Bank was founded in 1944. It employs 11 to 50 people.
Where is Johnson City Bank based?
Johnson City Bank is headquartered in Johnson City, United States, in the North America region.
How does Johnson City Bank make money?
Five revenue lines are on record. Net Interest Income is the primary driver. The others are deposit Service Fees, federal Funds Sold, securities Income and safe Deposit Box Rental.
Who are Johnson City Bank's main competitors?
Broad incumbents on record are Cadence Bank, Independent Bank Group and Prosperity Bank. Direct peers are Hill Country State Bank, VeraBank, Texas Regional Bank, FirstCapital Bank of Texas, Citizens State Bank and First National Bank of Bellville. FIS / ProfitStars is listed as an others.
Does Johnson City Bank have an API?
No public API is recorded for Johnson City Bank.
What industry is Johnson City Bank in?
Johnson City Bank's product category is Community Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings), with a secondary code of FSABAAAI, Small Business Banking (Microbusiness/Sole Proprietor). Its NAICS code is 52211 and its SIC code is 6022.