Hondo National Bank

What Hondo National Bank does

Hondo National Bank, operating commercially as TXN Bank of Central Texas, is an FDIC-insured community bank founded in 1901 and headquartered in Hondo, Texas. The bank operates eight branches with extended drive-thru hours across Central Texas communities — Hondo, Castroville, Lytle, La Coste, D'Hanis, Bandera, Leakey, and Uvalde — supported by Breeze Banking Interactive Teller Machines (ITMs) that combine ATM functionality with live video teller assistance.

The product portfolio spans Personal Banking (checking, savings, personal loans, residential mortgages, student loans) and Business Banking (deposit accounts, business loans, cash management), delivered through a four-channel architecture: physical branches, Breeze Banking ITMs, web-based Online Banking, and the TXN Mobile Banking app on iOS and Android. Core supporting technology includes OTP-based authentication, Google Maps-powered location services, and Deluxe Corporation check ordering. The bank is an ICBA member and Equal Housing Lender, with NMLS ID 440235.

Revenue is generated through three streams: net interest income on loans and deposits (the dominant stream for any commercial bank), transactional fees from account services, overdraft protection, and wire transfers, and non-interest income from referrals to Ameriprise Financial Services investment products. The go-to-market is direct-to-consumer and direct-to-SMB through the branch network, with digital channels layered on for retention and self-service rather than primary acquisition. No funding rounds, parent company, or M&A activity are disclosed.

Name

Hondo National Bank

Legal name

TXN Bank

Website

https://myhnb.com

Company type

Private

Founded year

1901

Operating status

Operating

Headcount range

11–50 employees

Short description

Hondo National Bank (dba TXN Bank of Central Texas) is a privately held, FDIC-insured community bank founded in 1901, operating eight branches across Central Texas and serving individual consumers and small-to-medium businesses with personal and commercial banking, loans, and digital channels.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211)

SIC

National Commercial Banks (6021)

akta.pro primary industry

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

akta.pro secondary industry

Treasury, Cash Management & Liquidity Tools (Sweeps, Cash Concentration) (FSAGAAAG)

Keywords

• Community banking services
• Personal banking
• Business banking
• Consumer lending
• Mortgage lending

Headquarters

HQ city

Hondo

HQ country

United States

HQ region

North America

Offices8 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Traditional banking revenue generated from interest spreads on loans including personal loans, residential mortgages, and business loans.
2. Banking Fees and Service Charges: Fee income from account maintenance, overdraft protection services, wire transfers, and other banking services as outlined in the bank's fee schedule.
3. Non-interest Income: Revenue from investment product referrals to Ameriprise Financial Services.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels3 records

Core offering

Hondo National Bank (TXN Bank of Central Texas) is a community bank offering personal and business deposit accounts, consumer and commercial loan products, and digital banking services. Its offering spans personal accounts, personal/residential/student loans, business accounts, business loans, cash management, Breeze Banking ITM video teller service, mobile and online banking, wire transfers, and overdraft protection, distributed through a Central Texas branch and ATM/ITM network.

Product overview

TXN Bank (Hondo National Bank) offers a unified banking platform combining traditional branch banking with modern digital services. The core portfolio includes personal and business banking (accounts, loans), supplemented by digital channels: TXN Mobile Banking (iOS/Android apps), Online Banking (web platform), and Breeze Banking (ITM/video teller service). Additional services include Cash Management for businesses, TXN Protect overdraft protection, loan calculators, wire transfer services, and an extensive branch/ATM/ITM network across Central Texas communities. The bank operates primarily through physical branches with extended drive-thru services, augmented by mobile and online banking capabilities.

Differentiator

Problem solved

Functional benefit

Brands

• Breeze Banking: Interactive Teller Machine (ITM) service enabling video teller interaction through drive-thru banking technology.

Products and services

• TXN Mobile Banking Free mobile banking app for iOS and Android that lets personal and business customers check balances, pay bills, transfer money, and locate ATMs and banking centers on the go.
• Breeze Banking (Interactive Teller Machine / ITM) Interactive Teller Machine service that combines ATM convenience with live video teller assistance at drive-thru locations, available at branches across Hondo, Castroville, Lytle, La Coste, D'Hanis, Bandera, Leakey, and Uvalde.
• Online Banking Web-based banking platform with separate personal and business login portals that lets customers access accounts, manage transactions, and perform banking operations online.
• Personal Banking Suite of personal banking products for individual customers, including personal checking and savings accounts, personal loans, residential mortgage loans, and student loans, supported by personal loan and residential loan application forms.
• Business Banking Commercial banking services for small to medium-sized businesses in Central Texas, including business deposit accounts, business loans, cash management tools, and business customer identification workflows.
• Cash Management Treasury management service for business customers that provides tools to manage cash flow, monitor accounts, and optimize working capital through the online banking platform.
• TXN Protect (Overdraft Protection) Overdraft protection service designed to cover unexpected insufficient funds situations for personal and business customers, with terms and coverage details documented in a downloadable PDF.
• Wire Transfer Services Domestic and international wire transfer capabilities with an accompanying worksheet tool for customers to organize transfer details prior to submission.
• Branch and ATM/ITM Network Physical banking centers and automated teller machines including Interactive Teller Machines (ITMs) at eight Central Texas locations, all offering extended drive-thru hours.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature3 records

Partnerships

One partnership is on record.

• Ameriprise Financial Services, LLCminorGTM or Marketing PartnerAmeriprise Financial Services provides investment products and services offered through TXN Bank's referral program. Customers can access Ameriprise.com through links on the TXN Bank website. TXN Bank acts as a referral source for Ameriprise investment products, while Ameriprise provides the investment services. Note: Ameriprise is not FDIC insured; FDIC insurance only covers insolvency of FDIC-insured banks.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• First Financial Bank: Texas-headquartered regional bank with consumer and commercial banking across the state. Larger balance sheet and product breadth but overlapping target customer segments in Central and South Texas.
• Frost Bank: Major Texas regional bank with deep branch presence including Central Texas markets. Represents the dominant incumbent competitor for retail and small business banking relationships in the bank's footprint.
• PlainsCapital Bank: Large Texas-based commercial bank with extensive branch network across the state. Competes head-to-head for the same Central Texas small business and consumer deposits but at meaningfully greater scale and product breadth.
• International Bank of Commerce (IBC Bank): Texas-based commercial banking franchise with statewide branch presence and full consumer/business product suite. Competes directly for small business and consumer deposits in overlapping Texas geographies.

Regional players

• Citizens State Bank: Texas community bank with branch presence in smaller markets offering personal and business banking. Similar community-bank profile though operating in different specific geographies within Texas.

Direct peers

• Broadway National Bank: San Antonio-based community bank with a similar regional Texas footprint and full personal/business banking offering. Comparable scale, branch-based distribution, and community-bank value proposition make it a near-direct comparable.
• Texas Regional Bank: South Texas community bank providing personal and business banking, mortgages, and digital services. Closely comparable in target segments, product mix, and community-bank positioning.
• American National Bank of Texas: Texas-based community bank with multi-city branch network serving consumer and small business customers. Strong comparable in terms of deposit franchise, loan mix, and regional branch distribution.
• Lone Star National Bank: Texas community bank serving consumers and small businesses across South/Central Texas with branch and digital channels. Directly comparable in customer segments, loan products, and community-bank operating model.
• Vantage Bank Texas: Texas-headquartered community bank offering personal, business, and treasury management services across multiple Texas markets. Comparable scale, product suite, and community-bank charter focus.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/hondo-national-bank

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Hondo National Bank