Johnson City Bank

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.

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

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

• Community banking
• Deposit accounts
• Commercial lending
• Agricultural loans
• Mobile banking

Headquarters

HQ city

Johnson City

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure

Revenue model

1. 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.
2. 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).
3. 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.
4. Securities Income: Interest and dividend income from investment securities portfolio ($19.0M as of March 31, 2026).
5. 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

Go-to-market motion1 record

Distribution channels5 records

Marketing channels3 records

Core 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.

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

One partnership is on record.

• TreasuryDirect (U.S. Treasury)minorOthers

Scale indicators5 records

Recent moves5 records

Expansion highlights3 records

Broad 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

• Xx.com/johnsoncitybank
• Facebookfacebook.com/johnsoncitybank

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 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 Johnson City Bank