Cbtx Wealth Management

What Cbtx Wealth Management does

CBTx Wealth Management is the trust and wealth management division of Commercial Bank of Texas, N.A., a privately held national banking association headquartered in Nacogdoches, Texas with roots dating to 1901 and fiduciary powers granted by the Federal Reserve in 1940. The division delivers wealth management, retirement planning (401(k)s, Profit Sharing Plans, IRA rollovers), estate planning (revocable, irrevocable, special needs, and endowment trusts), investment planning, education funding strategies, endowment management for non-profits, and employee/executive benefits to individual investors and business owners across East Texas and North Texas. Service delivery is relationship-driven through licensed trust officers and CPAs operating out of branch offices in Nacogdoches and Lufkin, supported by a third-party web client portal (ICP InfoVise) and an educational content library of videos, calculators, articles, newsletters, and a tax library.

The business model is fee-based recurring revenue from managing investment accounts, trust accounts, retirement accounts, and providing financial planning, plus ancillary commissions from licensed insurance and annuity products offered through the same division. Pricing is quote-based and not publicly disclosed, with services personalized to each client's retirement timeframe, estate objectives, and tax situation. Distribution relies on direct outreach and in-person meetings at branch locations, with content marketing as the principal top-of-funnel demand generation mechanism. The division sits within a parent bank of over 200 employees operating in fourteen communities, with no public stock listing, no venture capital or private equity backing, and no separate financial disclosure for the wealth management segment.

Name

Cbtx Wealth Management

Legal name

Commercial Bank of Texas, N.A.

Website

https://cbtxwealthmanagement.com

Company type

Private

Founded year

1901

Operating status

Operating

Headcount range

11–50 employees

Short description

CBTx Wealth Management is the trust and wealth management division of Commercial Bank of Texas, N.A., serving individual investors and business owners across East and North Texas with retirement, estate, investment, education, and employee benefit planning delivered through licensed officers in Nacogdoches and Lufkin.

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

Portfolio Management and Investment Advice (523940), Trust, Fiduciary, and Custody Activities (523991), Trusts, Estates, and Agency Accounts (525920)

SIC

Investment Advice (6282)

akta.pro primary industry

Private Banking Advisory & Discretionary Portfolio Management (FSABADAD)

akta.pro secondary industries

Private Client Custody & Brokerage (Execution, Reporting, Safekeeping) (FSAAABAN), Corporate & Institutional Trust Services (FSAAANAB), Discretionary Portfolio Management (Retail) (FSAAAAAH)

Keywords

• Wealth management services
• Trust services
• Retirement planning
• Estate planning
• Investment advisory

Headquarters

HQ city

Nacogdoches

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Wealth Management and Trust Services: Fees earned for managing investment accounts, trust accounts, retirement accounts, and providing comprehensive financial planning services. Services include managing assets before and during retirement, estate planning, and investment management.
2. Investment Products: Investment products offered through CBTx Trust and Wealth Management generate revenue. These include various investment vehicles for clients. Disclosures note these are not FDIC insured.
3. Insurance Services: Insurance services including helping bank customers save money on insurance and grow their money through annuities. Licensed insurance agents provide coverage solutions.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Cbtx Wealth Management provides wealth management and trust services to individual investors and organizations across East and North Texas. Core services include investment management, retirement planning (401(k)s, IRAs, Profit Sharing), estate planning (revocable, irrevocable, special needs, and endowment trusts), education funding strategies, employee and executive benefits administration, endowments for non-profits, and insurance/annuity products. Service delivery is anchored by licensed advisors holding CPA and CFP credentials operating from branch offices in Nacogdoches and Lufkin, with relationship-led client engagement supported by a web-based client portal and educational resources.

Product overview

CBTx Wealth Management offers a comprehensive suite of wealth management and trust services through its core Wealth Management & Trust Services platform. The company provides fiduciary and trust services, retirement planning (including 401(k)s, IRAs, Profit Sharing Plans), estate planning, investment planning, education funding, endowments, and employee/executive benefits (SIMPLE, SEP IRAs, 401(K) plans). The company also offers trust account management services including special needs trusts, revocable trusts, irrevocable trusts, and endowment trusts. Supporting these core services is an educational resource center featuring financial calculators, educational videos, newsletters, research articles, a financial glossary, and a tax library. Insurance services including annuities are also provided through the wealth management division.

Differentiator

Problem solved

Functional benefit

Products and services

• Wealth Management & Trust Services Comprehensive wealth management and trust services including investment management, retirement planning, estate planning, and fiduciary services for individuals and businesses in East and North Texas.
• Retirement Planning Employer-sponsored retirement plans including 401(k)s, Profit Sharing Plans, IRA rollovers, and retirement asset management during and before retirement for individual investors and businesses.
• Estate Planning Estate planning services including review of wills and trusts, estate preservation for heirs, and connections to tax and legal advisors.
• Investment Planning Asset allocation and investment strategy planning tailored to client retirement timeframes and financial objectives.
• Education Funding Investment and accumulation strategies to help clients pay for children's or grandchildren's education expenses.
• Endowments Specialized donation management for non-profit organizations focusing on long-term growth for income and prosperity within local communities.
• Employee and Executive Benefits Business benefit packages including SIMPLE, SEP IRAs, Profit Sharing Plans, and 401(K) plans to help attract and retain qualified employees.
• Trust Account Management Establishment and management of special needs trusts, revocable trusts, irrevocable trusts, and endowment trusts for asset protection across generations.
• Insurance Services Insurance services including annuities and life insurance products to help customers save money and grow wealth, provided by licensed insurance agents.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• CBTx Trust and Wealth ManagementinternalTechnology or IntegrationCBTx Wealth Management operates as a division of Commercial Bank of Texas, N.A. Investment products offered through CBTx Trust and Wealth Management are not insured by the FDIC or any other federal government agency.

Scale indicators4 records

Recent moves8 records

Expansion highlights5 records

Broad incumbents

• Edward Jones: Large national wealth management firm with deep branch presence in Texas and across the U.S. Comparable in offering investment advisory, retirement, and estate planning services to mass-affluent and HNW clients, though at much larger scale.
• Fidelity Wealth Services: Major national financial services firm offering investment management, retirement planning, and wealth advisory services. Comparable in customer-facing wealth offerings, with substantially greater scale, technology, and product breadth.
• Charles Schwab Wealth Management: Largest U.S. retail wealth manager with full-service advisory, trust, and Schwab Intelligent Portfolios digital offerings. Comparable in retirement, investment, and estate planning services, with significantly broader geographic reach and lower-cost digital alternatives.

Emerging players

• Empower (formerly Personal Capital): Digital-first wealth manager combining robo-advisory with human advisor services for HNW clients. Comparable in targeting mass-affluent and HNW clients with retirement and investment planning, though delivered predominantly through a digital channel rather than branch relationships.

Direct peers

• Frost Wealth Advisors: Wealth management and trust services division of Frost Bank, a Texas-based community bank with a similar geographic footprint and 'relationship banking' positioning. Directly comparable in product mix (investment, trust, estate, retirement) and Texas-market focus.
• Cadence Bank Wealth Management: Trust and wealth management division of Cadence Bank, a community bank with strong Texas/Southeast presence. Comparable in offering investment management, trust administration, and estate planning services to individuals and businesses.
• TrustTexas Bank Wealth Services: Texas-based community bank providing wealth management and trust services to individuals and businesses in regional markets. Closely comparable in scale, community-bank-led model, and trust/estate focus.
• Prosperity Bank Wealth Management: Wealth management services offered by Prosperity Bancshares, a Texas-focused community bank with extensive East Texas and Gulf Coast branch presence. Closely comparable in community-bank-led wealth model and regional Texas market overlap.
• First Financial Bank Wealth Management: Texas-headquartered community bank with wealth management and trust services. Comparable in regional banking leadership and full-service advisory offerings to individuals and businesses.
• BOK Financial Wealth Management: Wealth management division of BOK Financial (BOKF), a major Southwestern regional bank with strong presence in Texas, Oklahoma, and surrounding states. Comparable in offering private banking, trust, and investment management to affluent individuals and businesses.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 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 Cbtx Wealth Management