Question 1

What is Titan Bank?

Accepted Answer

Titan Bank is a nationally chartered commercial bank headquartered in Mineral Wells, Texas, specializing in digital-first business banking services. With over $843 million in assets, the bank combines the stability of a traditional FDIC-insured national bank with modern technology to serve business customers across all 50 states.

The bank focuses on providing powerful online banking tools, personalized customer service, and efficient account setup processes without the high fees typically associated with large financial institutions.

Question 2

When was Titan Bank founded?

Accepted Answer

Titan Bank has been serving customers since 1907, giving it over 115 years of banking history and experience. The bank received federal deposit insurance in 1934, demonstrating its longevity through major historical events including two world wars, the Great Depression, and the 2008 financial crisis.

While the bank has operated for over a century as a traditional community bank, it has more recently repositioned itself as a digital-first business banking platform while maintaining its strong regulatory foundation and commitment to customer service.

Question 3

Where is Titan Bank headquartered?

Accepted Answer

Titan Bank is headquartered in Mineral Wells, Texas, located in Palo Pinto County. The main branch is located at 1701 E Hubbard Street in Mineral Wells.

While the headquarters remains in Mineral Wells, the bank's largest office with the majority of its staff is located in Dallas, Texas, reflecting its evolution into a digitally-focused business banking institution.

Question 4

Where does Titan Bank operate?

Accepted Answer

Titan Bank operates nationally, serving business customers in all 50 states through its digital banking platform. The bank has two physical locations: its main office in Mineral Wells, Texas, and a loan production office in Dallas, Texas.

The bank's primary service delivery model is online and remote, allowing customers throughout the United States to access banking services without visiting a physical branch. This nationwide reach enables the bank to serve businesses across the country while maintaining its Texas roots.

Question 5

What services does Titan Bank offer?

Accepted Answer

Titan Bank offers comprehensive business banking services including business checking accounts, savings accounts, certificates of deposit, and money market accounts. The bank provides commercial lending solutions including SBA loans (as a preferred SBA lender), commercial real estate financing, equipment financing, and lines of credit.

Digital banking features include powerful online banking portals with multi-user access and customizable permissions, free domestic wire transfers (up to 25 per month), unlimited free ACH transactions, remote deposit capture, and mobile banking with check deposit capabilities. The bank also offers video chat support and direct access to live bankers during business hours, emphasizing responsive customer service alongside its digital-first approach.

Question 6

What makes Titan Bank unique?

Accepted Answer

Titan Bank distinguishes itself by combining 115 years of traditional banking stability with cutting-edge digital banking technology specifically designed for business customers. Unlike many digital banks, customers always speak with real, empowered bankers who can resolve issues immediately rather than navigating automated systems.

The bank's business model focuses on investing in technology and talent rather than physical branches, passing those savings to customers through competitive rates and reduced fees. As a preferred SBA lender, Titan Bank has developed expertise in helping small businesses access government-backed financing with fast turnaround times. The bank maintains an A+ rating from the Better Business Bureau, 5-star rating from Bauer Financial, and A+ rating from Depositaccounts.com.

Question 7

What type of financial institution is Titan Bank?

Accepted Answer

Titan Bank, N.A. is a National Bank operating under a federal charter. It is regulated by the Office of the Comptroller of the Currency (OCC) and is a member of the Federal Reserve System.

As a nationally chartered commercial bank, Titan Bank is subject to federal banking regulations and supervision, with its holding company regulated by the Federal Reserve. The bank operates as an S-Corporation and focuses primarily on business banking services while maintaining the full regulatory protections and oversight of a traditional national bank.

Titan Bank

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About Titan Bank in the United States