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Company Description

Contact Info

16000 Dallas Parkway

Suite 125

Dallas, TX 75248

United States

Phone: 972-720-9000


T Bancshares, Inc. operates as the bank holding company for T Bank, N.A. that offers commercial and consumer banking services. The company operates through its main office located at Dallas, Texas, and another full-service banking office at Plano, Texas. It also has a loan production office located at Southlake, Texas. During 2012, the company added the Small Business Administration (SBA) division, with loan production offices in Phoenix, Arizona, Denver, Colorado, Portland, Oregon and Youngstown, Florida. Lending Services Commercial and Industrial Loans: Loans for commercial purposes in various lines of businesses are a major component of the company’s loan portfolio. The targets in the commercial loan markets are retail establishments, professional service providers, in particular dentists, and small-to medium-sized businesses. Real Estate Loans: The company offers commercial real estate loans, construction and development loans, owner occupied commercial real estate loans to small businesses, and residential real estate loans. Commercial Real Estate: Commercial real estate loan terms are limited to 10 years or less, although payments may be structured on a longer amortization basis. Interest rates may be fixed or adjustable, although rates are not fixed for a period exceeding 120 months. It also makes commercial real estate loans to owner occupants of the real estate held as collateral. Construction and Development Loans: The company makes construction and development loans on a pre-sold and speculative basis. Construction and development loans are made with a term of 6 to 12 months and interest is paid monthly. Residential Real Estate: The company’s residential real estate loans consist of loans to acquire and renovate existing homes for subsequent re-sale, residential new construction loans and, on a very limited basis, second mortgage loans and traditional mortgage lending for one-to-four family residences. It offers primarily adjustable rate mortgages. Government Enhanced Small Business Lending The company originates and services commercial and real estate loans under programs guaranteed by the U.S. Small Business Administration and the U.S. Department of Agriculture. These loans offer borrowers more flexible terms and conditions than may be available for conventional commercial loans. These loans are secured by equipment, real estate, and other tangible collateral. Consumer Installment Loans: The company offers loans to individuals for personal, family and household purposes, including secured and unsecured installment and term loans. These loans are typically to the principals and employees of its business customers. Consumer loans are secured by depreciable assets, such as boats, cars and trailers. Investment Activities The company invests a portion of its assets in U.S. Treasuries, U.S. government agencies, mortgage-backed securities, direct obligations of quasi government agencies, including Fannie Mae, Freddie Mac, and the Federal Home Loan Bank, and federal funds sold. Deposits The company offers a range of deposit services, including regular savings, demand, NOW, and money market deposit accounts. Trust Services The company offers traditional fiduciary services, primarily to clients of Cain Watters & Associates P.C. Its fiduciary services comprise services, such as serving as executor, trustee, agent, administrator or custodian for individuals, nonprofit organizations, employee benefit plans and organizations. Other Banking Services Other banking services offered include cashier’s checks, travelers’ checks, direct deposit of payroll and Social Security payments, bank-by-mail, remote check deposits, automated teller machine cards and debit cards. The company offers full service personal and business Internet banking which includes remote deposit for both consumers and businesses, bill payment, electronic transfer of funds between financial institutions, as well as traditional Internet services, such as balance inquiries and internal funds transfers. Supervision and Regulation As a registered bank holding company, the company is subject to the supervision and regulation of the Board of Governors of the Federal Reserve System (the Federal Reserve) and, acting under delegated authority, the Federal Reserve Bank of Dallas pursuant to the Bank Holding Company Act of 1956, as amended. As a national bank, the bank is subject to the supervision and regulation of the Office of the Comptroller of the Currency. The bank is a member of the FDIC. The bank is also subject to Section 23B of the Federal Reserve Act. The bank must comply with various federal anti-money laundering and consumer protection statutes and implement regulations, including the Truth in Savings Act; the Electronic Funds Transfer Act; the Expedited Funds Availability Act; the USA PATRIOT Act of 2001; the Bank Secrecy Act; the Community Reinvestment Act; the Equal Credit Opportunity Act; the Truth in Lending Act; the National Flood Insurance Act; and various other federal and state privacy protection laws. The bank’s operations are also subject to various federal and state laws, such as the federal Truth-In-Lending Act; the Home Mortgage Disclosure Act of 1975; the Equal Credit Opportunity Act; the Fair Credit Reporting Act of 1978 and its amendment, the Fair and Accurate Credit Transactions Act of 2003; the Fair Debt Collection Act; the Right to Financial Privacy Act; and the Electronic Funds Transfer Act and Regulation E issued by the Federal Reserve. History T Bancshares, Inc. was founded in 2004.


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