Texas Traditions Bank

What Texas Traditions Bank does

Texas Traditions Bank of Texas, N.A. is a privately held, federally chartered community bank headquartered at 24285 Katy Freeway in Katy, Texas, with a second branch in Webster and a third market presence in West Houston. Founded in 2018 by co-founders Ryan A. Whitzel (CEO) and Keith W. Badough (President), the bank has scaled to over $500 million in total assets and reportedly reached profitability within eight months of commencing operations. It serves two primary customer segments — small-to-medium-sized businesses and individual consumers — through a relationship-led community banking model that emphasizes local decision-making and personalized service.

The bank's product portfolio spans Business Banking (Small Business, Business, Business Analysis, and Business Interest Checking; Business Savings, Money Market, and CDs; Business Lending) and Personal Banking (Free Checking, Interest Checking, Senior Checking, Personal Savings, Money Market, CDs, IRAs, Personal Lending, and Debit Cards). A Treasury Management module adds Remote Deposit Capture, Positive Pay, ACH Origination, ACH Positive Pay, and Wire Transfer services to business accounts. Distribution runs through two physical branches plus iOS and Android mobile apps and an online banking platform, with Zelle integrated for both personal and business payments. A wholly owned subsidiary, Texas Traditions Exchange, LLC, provides IRS Section 1031 qualified intermediary services.

The bank earns revenue primarily through net interest income on loans and deposits, supplemented by account service charges (e.g., $10-$20 monthly business checking fees, $6 quarterly personal savings fees), transaction-based fees ($0.25 per deposit/debit and excess transaction items), Treasury Management service fees, and professional service fees from 1031 Exchange intermediary work. Pricing is structured around monthly service charges waivable at specified minimum daily collected balances, with a freemium Bill Pay service. The bank is FDIC-insured, holds NMLS# 2425665, and is an Equal Housing Lender.

Name

Texas Traditions Bank

Legal name

Texas Traditions Bank of Texas, N.A.

Website

https://txtraditionsbank.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

Texas Traditions Bank is a privately held, federally chartered community bank founded in 2018, serving SMB and individual customers in the Greater Houston area with deposit accounts, lending, Treasury Management, and 1031 Exchange services through branches and digital channels.

Ownership category

akta.pro rank

Headquarters

HQ city

Katy

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, Marketing or Sales

Revenue model

1. Interest Income: Traditional lending revenue from business loans, personal loans, commercial lending, and other credit products extended to customers.
2. Business Checking Fees: Monthly service charges ranging from $10-$20 depending on account type, with fee waivers for minimum balance requirements. Transaction fees include $0.25 per deposit, $0.25 per debit, and excess transaction fees of $0.25 per transaction beyond included allowance.
3. Personal Checking and Savings Fees: Monthly service charges for Interest Checking ($15, waived at $2,500 balance), quarterly savings service charges ($6, waived at $300 balance), and various account maintenance fees.
4. Treasury Management Services: Fees for specialized cash management services including Remote Deposit Capture, Positive Pay, ACH Origination, and Wire Transfers for business customers.
5. 1031 Exchange Services: Qualified intermediary services for Section 1031 property exchange transactions through subsidiary Texas Traditions Exchange, LLC.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Texas Traditions Bank is a community bank providing personal and business banking products including checking, savings, money market, certificates of deposit, IRAs, and consumer and commercial lending. It also delivers treasury management services such as Remote Deposit Capture, Positive Pay, ACH Origination, and Wire Transfers, plus Section 1031 Exchange qualified intermediary services through its subsidiary Texas Traditions Exchange, LLC. Distribution is through two Texas branches and digital channels including online banking and iOS/Android mobile apps with Zelle integration.

Product overview

Texas Traditions Bank is a community bank offering a unified platform of traditional banking products and services. The portfolio consists of two main divisions: Business Banking (Small Business Checking, Business Checking, Business Analysis Checking, Business Interest Checking, Business Savings, Business Money Market, Business CDs, Business Lending) and Personal Banking (Free Checking, Interest Checking, Senior Checking, Personal Savings, Money Market, CDs, IRAs, Personal Lending, Debit Cards). Both divisions access shared digital services including Online & Mobile Banking, Bill Pay, and Zelle® for payments. Treasury Management serves as an add-on module for business customers, providing Remote Deposit Capture, Positive Pay, ACH Origination, ACH Positive Pay, and Wire Transfers. Texas Traditions Exchange, a wholly owned subsidiary, provides 1031 Exchange qualified intermediary services.

Differentiator

Problem solved

Functional benefit

Products and services

• Small Business Checking

Quantifiable outcome

• Same-day credit for business deposits made before 7:00 p.m. CST
• +1 more outcomes

Segments2 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature6 records

Partnerships

One partnership is on record.

• Early Warning Services, LLC (Zelle)coreTechnology or IntegrationTexas Traditions Bank integrates Zelle peer-to-peer payment services into its mobile banking platforms. Zelle enables customers to send and receive money directly from bank accounts, typically within minutes. The service is available through the Texas Traditions Bank App and Treasury Mobile app, allowing both personal and business customers to make payments using email addresses or mobile numbers.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Third Coast Bank: Texas-focused community bank with a strong SMB/commercial banking focus, including treasury and cash management products - a near-direct analogue to Texas Traditions' business banking proposition.
• Prosperity Bank: Largest Texas-based community bank with deep Houston-area presence, broad business and consumer banking, and local-decision-making philosophy - a like-for-like competitor for both retail deposits and commercial relationships in the same geography.
• Texas Capital Bank: Texas-headquartered commercial bank focused on business banking, treasury management and middle-market lending - a directly comparable model (and the most competitive peer for Texas Traditions' target SME and Treasury Management customer).
• Independent Bank Group: Texas-rooted community bank holding company with comparable mix of business and consumer banking plus commercial lending - a useful size and product-mix benchmark for a community bank building scale.
• American Momentum Bank: Texas community bank with commercial, treasury and personal banking lines and a relationship-led GTM - mirrors the Texas Traditions operating model from a competing position in overlapping Texas markets.
• Allegiance Bank: Houston-based community bank with virtually identical SMB/commercial banking focus, treasury management and local-decision model - the closest peer by geography, customer profile and product mix (acquired by Veritex in 2022).
• Wallis State Bank: Texas-based community bank focused on business and personal banking in smaller Texas markets - comparable size, scope and community-led go-to-market model.
• Veritex Community Bank: Dallas-headquartered Texas community bank built largely via acquisitions, offering business and consumer banking across the state - illustrates the consolidation path and product/banker overlap with Texas Traditions.

Broad incumbents

• Frost Bank (Cullen/Frost Bankers): Large Texas-headquartered regional bank with full personal, business, commercial and treasury capabilities across the state - the dominant broad incumbent competing against Texas Traditions in every Texas market it enters.
• Cadence Bank: Mid-sized commercial bank with significant Texas franchise, business banking and treasury management focus - relevant broader incumbent setting the competitive bar on commercial product breadth and digital experience.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/texas-traditions-bank

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles20 records

Subsidiaries1 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 Texas Traditions Bank