T Bancshares, Inc. operates as the bank holding company for T Bank, N.A. that provides a range of commercial and consumer banking services to small- to medium-sized businesses, single-family residential and commercial contractors, and consumers. Market Area The company’s principal banking markets include Dallas, Tarrant, Denton, Collin, and Rockwall counties, which include an area commonly referred to as the Dallas/Fort Worth Metroplex. It operates through a main office located in Dallas, Texas. The company also serves on a national scale certain niche markets that include loans to dentists and small business lending under programs through the U.S. Small Business Administration and the U.S. Department of Agriculture. Lending Services The company offers a range of lending products, including commercial loans to small- to medium-sized businesses and professional concerns, real estate loans and consumer loans. 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 makes 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 owner occupied real estate loan terms generally are limited to 15 years or less, although payments might be structured on a longer amortization basis. Construction and Development Loans: The company makes construction and development loans on a pre-sold and speculative basis. Construction and development loans are generally 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, residential loans purchased in the secondary market, and traditional mortgage lending for one-to-four family residences, which are primarily non-owner occupied rental properties. The company 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 are generally secured by equipment, real estate, and other tangible collateral. Consumer Installment Loans On a limited basis, the company makes 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 the company’s business customers. Investments The company invests a portion of its assets in the U.S. treasuries, the 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. Deposit Services The company offers a range of deposit services, including demand deposits, regular savings accounts, money market accounts, individual retirement accounts, and certificates of deposit with fixed rates and a range of maturity options. The company considers the majority of its regular savings, demand, NOW, and money market deposit accounts to be core deposits. Trust Services The company offers wealth management and trust services. These services are provided through various delivery systems, including automated teller machines, mobile banking and Internet banking. During 2012, the company added the Small Business Administration division, with loan production offices in various states. The company also offers traditional fiduciary services primarily to clients of Cain Watters & Associates P.C. The company offers traditional fiduciary services, such as serving as executor, trustee, agent, administrator or custodian for individuals, nonprofit organi
t bancshares inc (TBNC:OTC US)
16200 Dallas Parkway
Dallas, TX 75248
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