T Bancshares, Inc. operates as the holding company for T Bank, N.A. that provides a range of commercial and consumer banking services to small- to medium-sized businesses, and 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. The company operates through a main office located in Dallas, Texas. The company also serves niche markets nationally 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’s lending services include commercial loans to small to medium-sized businesses and professional concerns, as well as consumers. 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 real estate loan terms are limited to 10 years or less, although payments might be structured on a longer amortization basis. Interest rates might be fixed or adjustable, although rates are not fixed for a period exceeding 120 months. The company 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. 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 offer borrowers flexible terms and conditions than might be available for conventional commercial loans. These loans are 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 to the principals and employees of the company’s business customers. Its consumer loans are secured by depreciable assets, such as boats, cars, and trailers. 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, NOW accounts, money market accounts, individual retirement accounts, and certificates of deposit with fixed rates and a range of maturity options. 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 Phoenix, Arizona, Denver, Colorado, and Portland, Oregon. The company also offers traditional fiduciary services (serving as exec
t bancshares inc (TBNC:OTC US)
16000 Dallas Parkway
Dallas, TX 75248
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