Texas Heritage Bank

What Texas Heritage Bank does

Texas Heritage Bank, operating under the legal entity Liberty Capital Bank, is a privately held Texas community bank founded in 1931 with 11-50 employees across four physical branches in Boerne, San Antonio, Cross Plains, and Addison (Dallas area). The bank delivers a full suite of traditional retail and commercial banking services to consumers and small businesses, organized around four core deposit products (Heritage STAR Checking, Heritage CHOICE Checking, Heritage SAVINGS, and Heritage MONEY Market) and a comprehensive personal lending portfolio that spans auto loans, interim construction financing, home mortgages, land and ranch purchase loans, home improvement loans, lot financing, and home equity loans.

The bank's underlying technology stack is a standard community banking platform consisting of an online banking portal, a mobile banking application, bill pay functionality, and remote deposit capture — all conventional digital banking features rather than differentiated proprietary technology. The mortgage business operates through a national mortgage lending system with registered loan officers distributed across Texas locations to support originations and refinancing. No API platform, no AI/ML capabilities, and no proprietary technology differentiation beyond standard ease-of-use implementation are present.

Texas Heritage Bank generates revenue through three primary streams: interest income on its loan portfolio (the dominant stream for any bank), monthly deposit account fees and charges (including ATM fees, paper statement fees, check fees, and withdrawal charges), and float management on commercial and retail deposits. Pricing is structured around monthly subscription-style account fees with discount tiers tied to balance thresholds, direct deposit enrollment, electronic statement adoption, and debit card usage volume. The go-to-market motion is relationship-based and geographically concentrated, relying on physical branch presence, local referrals, and digital self-service channels rather than direct sales or paid acquisition. Customer segments are split horizontally between Commercial and Business Banking and Retail and Personal Banking, with no named enterprise customers disclosed.

Name

Texas Heritage Bank

Legal name

Liberty Capital Bank

Website

https://texasheritagebank.com

Company type

Private

Founded year

1931

Operating status

Operating

Headcount range

11–50 employees

Short description

Texas Heritage Bank is a privately held Texas community bank (legal entity Liberty Capital Bank) operating four branches in Boerne, San Antonio, Cross Plains, and Addison/Dallas. It serves retail consumers and small businesses with checking, savings, money market accounts, mortgages, and personal lending products.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022)

akta.pro primary industry

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

Keywords

• Community banking
• Personal banking
• Mortgage loans
• Consumer lending
• Retail deposits

Headquarters

HQ city

Boerne

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income from Loans: Traditional bank revenue generated from interest charged on personal loans including auto, construction, home mortgage, land and ranch, home improvement, lot financing, and home equity loans
2. Deposit Account Fees and Charges: Monthly service charges, ATM fees, paper statement fees, check fees, and withdrawal charges on checking, savings, and money market accounts
3. Commercial and Retail Deposits: Interest-bearing and non-interest-bearing deposit accounts for commercial and retail customers generating float and lending capacity

Pricing tiers

Distribution channels4 records

Marketing channels1 record

Core offering

Texas Heritage Bank is a Texas-based community bank that delivers personal banking products and digital banking services to retail customers. Its offering centers on consumer deposit accounts (Heritage STAR Checking, Heritage CHOICE Checking, Heritage SAVINGS, Heritage MONEY Market), consumer credit products (Personal Loans and Mortgage Loans), and the Heritage Protect identity-protection service, distributed through four physical branches in Boerne, San Antonio, Cross Plains, and Dallas/Addison, complemented by online banking, mobile banking, and remote deposit capture.

Product overview

Texas Heritage Bank (operating as Liberty Capital Bank) offers a unified community banking platform with multiple deposit products and lending services. The core product portfolio includes four checking and savings accounts (Heritage STAR Checking, Heritage CHOICE Checking, Heritage SAVINGS Account, and Heritage MONEY Market) designed for retail depositors, alongside comprehensive personal lending products and mortgage loan services. The bank also provides digital banking access through online and mobile banking platforms.

Differentiator

Problem solved

Functional benefit

Products and services

• Heritage STAR Checking A personal checking account product offered by Texas Heritage Bank to retail consumers and households as a core everyday deposit account.
• Heritage CHOICE Checking An alternative personal checking account tier offered by Texas Heritage Bank to retail consumers and households seeking a different checking configuration from the STAR account.
• Heritage SAVINGS A personal savings account product offered by Texas Heritage Bank to retail consumers and households for storing and growing deposits.
• Heritage MONEY Market A personal money market account offered by Texas Heritage Bank to retail consumers and households as a higher-yield tier of personal deposit.
• Personal Loans An unsecured consumer lending product offered by Texas Heritage Bank to retail consumers and households for personal borrowing needs.
• Mortgage Loans A residential mortgage lending product offered by Texas Heritage Bank to retail consumers and households for home purchase or refinancing.
• Heritage Protect An identity-theft protection service offered by Texas Heritage Bank to retail deposit customers to help guard against fraud and identity-related risks.

Segments2 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Texas Capital Bank: Texas-headquartered commercial bank serving businesses, entrepreneurs, and individuals across the state. Larger and more diversified than Texas Heritage Bank but operates in overlapping Texas markets (Dallas, San Antonio) with similar commercial lending and deposit products.
• Cadence Bank: Regional bank with substantial Texas presence following acquisition of BancorpSouth, offering consumer and commercial banking across the Southeast and Texas. Larger and broader than Texas Heritage Bank but serves overlapping Texas markets with similar product mix.

Direct peers

• First United Bank: Community bank operating across Texas and Oklahoma with focus on relationship banking, consumer deposits, mortgage lending, and agricultural loans. Highly comparable community-bank operating model and rural/small-metro Texas footprint.
• Guaranty Federal Bancshares: Texas-based community bank holding company (Guaranty Bank) headquartered in Addison near Dallas. Directly comparable community-bank model with similar size, Texas market focus, and consumer/commercial deposit and lending products.
• VeraBank: Texas community bank headquartered in Henderson with branches across East and Central Texas. Directly comparable community banking model focused on personal relationships, consumer deposits, mortgage lending, and agricultural/ranch lending.
• Spirit of Texas Bank (SSB Bancorp): Texas community bank holding company with branches across Texas markets, offering consumer and business banking products. Comparable community-bank model focused on personal service in Texas markets.
• Citizens State Bank: Texas community bank serving Central Texas markets with consumer deposits, mortgage lending, and small-business banking. Comparable small-scale community-bank model and similar Texas geographic focus.
• Independent Bank Group: Texas-based community bank holding company operating branches across Texas markets including DFW, Austin, and Houston, offering consumer deposits, mortgages, and commercial lending. Highly comparable operating model, geographic concentration, and customer segments to Texas Heritage Bank.
• Southside Bancshares: Texas-based bank holding company (Southside Bank) operating branches across the state with focus on retail banking, mortgages, and commercial lending. Comparable community-bank operating model and Texas geographic concentration.

Regional players

• Pinnacle Bank: Community bank with a strong Texas and surrounding-region presence offering consumer and commercial banking services. Comparable relationship-banking model, though serving a broader multi-state footprint than Texas Heritage Bank.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

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 Texas Heritage Bank