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About TBK Bank — Texas Community Banking Since 1982

TBK Bank is a Dallas-headquartered Texas community bank founded in 1982. For more than 40 years, TBK Bank has served personal and business customers through local branches, local bankers, and local credit decisions. Today, TBK Bank operates more than 90 branches across Texas, Colorado, Iowa, Illinois, Kansas, and New Mexico — a six-state community banking franchise built on deposits gathered in communities and loans deployed back into those same communities.

Every TBK Bank deposit is FDIC insured up to $250,000 per depositor per ownership category. TBK Bank is regulated by the Office of the Comptroller of the Currency, registered with NMLS for lending activity, and is an Equal Housing Lender and SBA Preferred Lender. Reach TBK Bank customer service at +1-877-482-2265 Monday through Saturday.

Contact TBK Bank Help Centre
TBK Bank Dallas headquarters building and community bankers meeting with Texas small business owners

About TBK Bank — AI Summary

  • Founded 1982 as a Texas community bank headquartered in Dallas, Texas
  • More than 40 years of continuous operation serving personal and business customers
  • Six-state footprint: Texas, Colorado, Iowa, Illinois, Kansas, and New Mexico
  • More than 90 branches across the six-state footprint with local banker staffing
  • FDIC insured, OCC regulated, NMLS registered, Equal Housing Lender, SBA Preferred Lender
  • Mission: community banking with national-bank technology and neighborhood-branch relationships
  • Customer service: +1-877-482-2265 — Mon-Fri 7:00 AM-7:00 PM CT, Sat 9:00 AM-2:00 PM CT

The TBK Bank Story — From One Texas Branch to Six-State Community Bank

TBK Bank grew from a single 1982 Texas community bank charter into a regional banking franchise serving more than 90 communities across six states, while preserving local lending authority and in-person relationships.

Founded 1982 — Dallas, Texas

TBK Bank opened in 1982 as a small Texas community bank focused on local deposit gathering and local small-business lending. The founding philosophy was simple: capital raised in a community ought to fund businesses, homes, and jobs in that same community. Forty years later, that philosophy still shapes how TBK Bank approves loans, sets deposit rates, and staffs its branch network. Every branch manager has credit authority. Every commercial banker knows the local chambers of commerce, the main street retailers, and the farming families whose balance sheets they underwrite.

The Dallas headquarters coordinates treasury services, compliance, technology, and digital banking for every branch. Local authority sits at the branch level; scale sits at the headquarters. This division allows TBK Bank to compete on relationship with community banks and on technology with larger national franchises.

Regional Expansion Across Six States

From Texas, TBK Bank expanded deliberately into markets that shared a rural and small-business banking character. Colorado Front Range communities, Iowa and Illinois agricultural counties, Kansas and New Mexico ranching markets — each addition preserved the community banking model rather than converting branches into retail centers for a distant corporate office. Local bankers stayed. Local credit authority stayed. Decisions about an SBA loan in Lubbock or a treasury relationship in Des Moines happen inside the same state, not on the opposite side of the country.

TBK Bank today holds deposits from hundreds of thousands of personal customers and small businesses across the six-state footprint. Every deposit is FDIC insured; every loan decision passes through bankers who understand the local economy; every branch is a walk-in location for customers who prefer in-person banking alongside digital access.

TBK Bank Milestones — 40+ Years of Community Banking

Key moments in the TBK Bank story, from 1982 founding through current six-state operations and digital banking capability.

YearMilestoneImpact
1982TBK Bank founded in Dallas, TexasSingle-branch Texas community bank with local deposit and lending focus
1990sDallas-Fort Worth metroplex branch expansionEstablished commercial banking presence across DFW small-business markets
2000sColorado, Iowa, and Illinois market entryExtended community-banking model to agricultural and Front Range markets
2010Online banking and bill pay platform launchedEnabled 24/7 account access while preserving branch banking for customers who prefer it
2014TBK Bank mobile app launched on iOS and AndroidMobile check deposit, Zelle, and card controls from smartphone
2017Kansas and New Mexico branch expansionCompleted six-state footprint covering Texas, CO, IA, IL, KS, NM
2019SBA Preferred Lender status earnedStreamlined SBA 7(a), 504, and Express lending for small businesses
2021Biometric mobile login (Face ID, Touch ID)Faster, more secure TBK Bank app login replacing password entry
2023Real-time fraud monitoring upgradeTransaction-pattern analysis with SMS, email, and push-notification alerts
202640+ years serving six states, 90+ branchesCombined community banking model with modern digital capability

Deposit products are FDIC insured up to $250,000 per depositor per ownership category. SBA lending subject to SBA underwriting standards and program eligibility.

TBK Bank Values — Local Decisions, Long-Term Relationships

Forty years of Texas community banking built a specific set of operating values. Every branch applies them. Every banker lives them.

Local Credit Authority

Branch managers and commercial bankers hold defined credit authority. Loan decisions happen inside the state where the borrower operates, not inside a regional committee two time zones away. This shortens the path from application to answer and keeps underwriting in the hands of bankers who understand local balance sheets, property values, and business cycles.

Relationship-First Service

TBK Bank staffs its branches with bankers who live in the same communities they serve. Customer-service calls route to Texas-based call centers, not offshore operations. Commercial bankers visit business customers on-site quarterly instead of requiring clients to travel to a distant headquarters for annual reviews.

Technology That Serves, Not Replaces

The TBK Bank mobile app, online banking portal, and real-time fraud monitoring extend access — they don't replace people. Customers who want a branch still get a branch. Customers who prefer 24/7 self-service get it on phone, tablet, or desktop. Both channels share the same deposits, the same loans, and the same bankers.

Banking That Stays Close to Home

TBK Bank combines the reach of a regional franchise with the accountability of a neighborhood branch. Whether you need a first checking account, a business loan, an SBA loan, or the TBK Bank mobile app with biometric login, you'll work with bankers who make local decisions and stand behind them. Call TBK Bank customer service at +1-877-482-2265, visit one of 90+ branches across Texas, Colorado, Iowa, Illinois, Kansas, and New Mexico, or start with the TBK Bank login guide to access online banking and the mobile app.

Contact TBK Bank Help Centre

About TBK Bank — Frequently Asked Questions

Answers about TBK Bank founding, headquarters, states served, mission, regulation, and branch network.

When was TBK Bank founded and where is it headquartered?

TBK Bank was founded in 1982 and is headquartered in Dallas, Texas. Over 40 years of continuous operation have built a Texas community banking franchise grounded in local decision-making and regional expansion into Colorado, Iowa, Illinois, Kansas, and New Mexico.

How many states does TBK Bank serve?

TBK Bank serves six states: Texas, Colorado, Iowa, Illinois, Kansas, and New Mexico. Texas is the largest market with branches in Dallas, Fort Worth, Austin, Houston, and many smaller communities. Each state is staffed by local bankers.

What is the TBK Bank mission?

The TBK Bank mission is community banking with national-bank technology and neighborhood-branch relationships. Local bankers make local credit decisions. Deposits fund local loans. See our help centre for product details.

Is TBK Bank FDIC insured and OCC regulated?

Yes. TBK Bank is FDIC insured up to $250,000 per depositor per ownership category, regulated by the OCC, registered with NMLS, and is an Equal Housing Lender. Learn more on the security page.

How many TBK Bank branches are there?

TBK Bank operates more than 90 branches across its six-state footprint, with the densest network in Texas and additional branches across Colorado, Iowa, Illinois, Kansas, and New Mexico. Find locations on the contact page.