Treaty Oak Bancorp, Inc. operates as a bank holding company for Treaty Oak Bank that provides various commercial and consumer banking services in the United States. Clients and Markets The company serves individuals and businesses in the commercial sector in Austin, Texas, and in the agriculture, cattle and commercial sectors in the community of Texline, Texas. In the Austin area, the company concentrates on small and middle market businesses and individual clients. Banking Operations The company’s core services include traditional banking activities, such as personal and commercial deposit accounts and loans, and finance, consulting, and treasury services. Ancillary services include notary services, safe deposit boxes, cashiers’ checks and money orders, traveler’s checks, wire transfers, and other services. The company offers business-oriented banking products and services, including - commercial loans for businesses to finance internal growth, acquisitions, and working capital needs; real estate and construction loans; cash management services, including on-line banking; and remote deposit opportunities and other business services. The company also offers consumer-oriented banking services, which include consumer loans, checking accounts with debit cards and overdraft protection available, credit card services, traditional savings accounts and certificates of deposit, and 24-hour telephone and Internet banking. SERVICES Deposit Services The company offers various types of accounts, including: goal-oriented savings accounts; accumulation certificates of deposit (CDs); standard CDs; children’s savings accounts; medical savings accounts; IRA accounts; and educational accounts. The company provides automated and electronic account management tools to the clients. Lending Services The company is an active business lender, with its loan portfolio, including commercial loans, residential, commercial and construction real estate loans, and agricultural and personal lending. Internet Services The company’s Web site, TreatyOakBank.com, provides a line of deposit services. Customers are able to view multiple accounts, transfer funds between related accounts, view statements, send and receive messages, pay bills, and other traditional online services. Additionally, the company offers remote deposit services via Internet integrated devices that reside at its commercial clients’ offices, thereby reducing the need for customers to drive to a branch location for deposit services. Mortgage Services Treaty Oak Mortgage is a full service residential mortgage brokerage offering residential mortgage products, while Treaty Oak Commercial Group is a commercial mortgage brokerage sourcing various long-term fixed rate commercial mortgage loans. Other Services The company provides other incentives and benefits to its customers, including - rebates of ATM fees paid at most ATM machines throughout the United States; correspondent relationships, which allow customers to use the correspondent’s locations to make deposits; the ability to ‘link’ multiple accounts of different but related Bank clients for the calculation of overall relationship profitability; and extended banking hours. History Treaty Oak Bancorp, Inc. was founded in 2003.
treaty oak bancorp inc (TOAK:OTC US)
101 Westlake Drive
Austin, TX 78746
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