The Tipton Latham Bank

What The Tipton Latham Bank does

The Tipton Latham Bank, N.A. is a privately held, FDIC-insured community bank founded in 1906 and headquartered in Tipton, Missouri, with a second branch in neighboring Latham, Missouri. The bank operates as a traditional full-service retail and commercial depository institution, offering checking accounts (Free and Regular Checking), tiered savings products (Savings, Gold, Platinum, Money Market), Certificates of Deposit, IRAs, debit/ATM cards, and a lending suite that spans personal loans (real estate, vehicle, residential), business/commercial loans, and a dedicated agricultural lending book covering farm real estate, operating lines of credit, equipment financing, and livestock loans. Its customer base is composed of three horizontal segments: individual consumers, local small businesses, and farmers/ranchers in the surrounding rural Missouri community — reflecting the bank's deliberate strategy of serving the local agricultural and small-business economy.

The bank's digital infrastructure is provided by third-party technology partners rather than built in-house: Jack Henry Digital (Banno) powers the website and online/mobile banking platform, Deluxe provides the integrated check-reordering service, and the bank offers 24/7 voice banking via telephone. The bank has no disclosed mobile application, no API platform, no proprietary technology stack, and no AI/ML capabilities — it is a traditional branch-and-digital banking operation. The website states a brand-new site launched on the Jack Henry/Banno platform with financial calculators as a customer-facing tool. Operationally, the bank functions as a classic community bank model: locally based lending decisions, personal customer relationships, and concentration in a defined assessment area governed by Community Reinvestment Act (CRA) obligations.

The Tipton Latham Bank generates revenue through traditional community banking mechanics — net interest income on its loan and deposit book, fee income from deposit accounts and debit cards, and ancillary service charges. Products are delivered through a low-cost physical branch network (two locations) supplemented by self-serve online and voice banking channels. Pricing on deposit products is opaque ("contact us for rates and terms"), with a $500 minimum deposit referenced for certain products and standard early-withdrawal penalties on CDs. The bank's most consequential strategic development is its announced conversion to BTC Bank, with website redirection to btcbank.bank scheduled for June 29, 2026, indicating an in-progress merger/consolidation transaction that will end the bank's independent operating existence.

Name

The Tipton Latham Bank

Legal name

The Tipton Latham Bank, N.A.

Website

https://tiptonlathambank.com

Company type

Private

Founded year

1906

Operating status

Operating

Headcount range

11–50 employees

Short description

The Tipton Latham Bank is a privately held, FDIC-insured community bank founded in 1906 in Tipton, Missouri, serving local consumers, small businesses, and agricultural borrowers across two branches in Tipton and Latham via deposit products, personal/business loans, and farm lending.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Depository Credit Intermediation (5221), Commercial Banking (52211)

SIC

National Commercial Banks (6021), Personal Credit Institutions (6141)

akta.pro primary industry

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

akta.pro secondary industries

Branch & In-Person Banking (Teller/ATM Networks) (FSABAAAE), Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB)

Keywords

• Community banking services
• Deposit accounts
• Consumer lending
• Agricultural loans
• Small business loans

Headquarters

HQ city

Tipton

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. Banking Products: The bank generates revenue through traditional banking products including checking accounts, savings accounts, CDs, IRAs, money market accounts, and debit cards. These products generate fee income, interest spreads, and other banking service charges.

Pricing tiers

Distribution channels3 records

Marketing channels3 records

Core offering

The Tipton Latham Bank, N.A. is a full-service community bank offering deposit products (checking, savings, money market, CDs, IRAs) and lending products (personal loans, business loans, agricultural loans) to individuals, small businesses, and farmers through two branch locations in Tipton and Latham, Missouri, supplemented by online and voice banking.

Product overview

The Tipton Latham Bank, N.A. is a full-service community bank offering a comprehensive suite of deposit and lending products. Their deposit products include multiple checking account options (Free Checking, Regular Checking), savings accounts at various tiers (Savings, Gold, Platinum, Money Market), and term deposit products (Certificates of Deposit, IRAs). They provide debit/ATM cards for account access. On the lending side, they offer Personal Loans (real estate, vehicle, residential), Business/Commercial Loans, and specialized Agricultural Loans for farmland, operating expenses, equipment, and livestock. The bank also provides financial calculators as a customer service tool. The bank operates two locations in Tipton and Latham, Missouri and has been serving the community since 1906.

Differentiator

Problem solved

Functional benefit

Products and services

• Free Checking
• Regular Checking
• Savings Account
• Gold Account
• Platinum Account
• Money Market Account
• Certificates of Deposit (CDs)
• Individual Retirement Accounts (IRAs)
• Debit/ATM Cards
• Personal Loans
• Business Loans
• Agricultural Loans
• Financial Calculators

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core.

• Jack Henry DigitalcoreTechnology or IntegrationJack Henry Digital is the technology provider that created the bank's website and digital banking platform. This partnership provides the digital infrastructure for online banking, account management, and general website operations.
• BTC BankcoreStrategic or Co-development PartnerThe Tipton Latham Bank is converting to BTC Bank. The website will be redirected to btcbank.bank on June 29, 2026, as part of this transition. This represents a merger or acquisition of the bank by BTC Bank.

Scale indicators3 records

Recent moves1 record

Direct peers

• Hawthorn Bank: Hawthorn Bank is a Missouri-based community bank offering checking, savings, CDs, IRAs, and consumer, business, and ag lending — closely overlapping with The Tipton Latham Bank's product mix and customer profile across rural and small-town Missouri markets.
• BTC Bank: BTC Bank is the acquiring Missouri community bank converting The Tipton Latham Bank on June 29, 2026. It is the most directly comparable peer — same state, similar community-banking model, and overlapping product set in deposits, consumer, commercial, and ag lending.
• Academy Bank: Academy Bank is a community bank offering consumer deposit accounts, lending, and small-business services across multiple Midwest and Southern states. Comparable to The Tipton Latham Bank as a small-footprint community bank with full-service personal and commercial offerings.
• Equity Bank: Equity Bank is a community bank with strong ag lending and small-business banking focus across the Midwest, including Missouri. Comparable to The Tipton Latham Bank in customer segments (farmers, small businesses, retail consumers) and product breadth.
• First Bank (Missouri): First Bank is a Missouri-based community bank offering personal, business, and ag lending alongside deposit products. Closely comparable in geography (Missouri), customer segments, and product breadth.
• Central Bank of Boone County: Central Bank of Boone County is a Missouri community bank offering personal, business, and agricultural lending alongside traditional deposit products. Comparable size, geographic positioning, and customer mix to The Tipton Latham Bank.

Regional players

• INB (Illinois National Bank): INB is a Midwestern community bank offering personal and business banking, mortgages, and ag-adjacent lending. Comparable in business model and product mix though operating primarily in Illinois rather than Missouri.

Broad incumbents

• Commerce Bank: Commerce Bank is a larger Missouri-headquartered bank offering the full suite of consumer and commercial banking products. It is a broader incumbent that competes for the same retail, small business, and ag customers in Missouri but at meaningfully greater scale.

Market position

Strengths5 records

Weaknesses5 records

Key risks5 records

Key highlights6 records

Customer concentration

Compliance4 records

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 The Tipton Latham Bank