Overview
Titan Bank, N.A., established in 1907, is a full-service national bank headquartered in Dallas, Texas. The bank offers advanced business banking solutions traditionally reserved for large companies and superior customer service with minimal need for branch visits. Titan Bank operates under the supervision of the Office of the Comptroller of the Currency, with all deposit accounts being FDIC insured.
Products and Services
- Business Banking: Titan Bank provides comprehensive solutions for business customers including advanced online tools and competitive loan programs. The focus is on personalized service powered by technology.
- Self-Directed Retirement Accounts: Known for its Self-Directed 401Ks and Checkbook Control IRAs, Titan Bank offers 24/7 online banking access for retirement accounts.
- Loan Services: Specializes in lending services with a focus on SBA and USDA Rural Development lending.
Locations and Contact Information
- Main Office: 10000 North Central Expy, Suite 600, Dallas, TX 75205. Contact: 972-590-3500
- Mineral Wells Branch: 1701 E. Hubbard Street, Mineral Wells, TX 76067. Contact: 940-325-9821
- Customer Service: Monday through Friday, 9AM to 6PM CST via 888-360-1300
Leadership Team
- Jonathan Morris: CEO, with education from Harvard Business School, oversees strategic direction and operational excellence.
- Katy Lackowski: CFO, oversees financial operations and strategic planning, previously VP of Process Optimization at Beal Service Corporation.
- Brent Maddux: Chief Credit Officer, manages risk with expertise in credit analysis and commercial lending.
- Brunilda Dine: EVP, Director of Deposit Operations and BSA Officer, known for strategic leadership in the banking sector.
- John Englar: VP of Software Development, focuses on enhancing technology infrastructure.
- Maria O’Connor: EVP, Director of Loan Operations, an expert in lending operations.
- Mason McNairy: VP Credit, responsible for strengthening lending processes.
- Tommy Ristianto: SVP of Loan Operations, with expertise in real estate finance.
Strategic Focus
Titan Bank emphasizes superior customer service and state-of-the-art technology in its business model, differentiating from larger banks by maintaining personalized service. Expertise in business banking and self-directed retirement accounts enables them to effectively address diverse customer needs. Growth is pursued through strategic leadership and operational enhancements.
Competitive Landscape
Titan Bank operates in a competitive arena locally and nationally. Key competitors include:
- County of Howard
- Bankstalent
- U.S. Century Bank
- Falcon International Bank
- Synergybank
- Integrity Bank
Additionally, it competes with major national institutions like Bank of America, Citi, TD, Wells Fargo, and Capital One.
Alternative Solutions
Technological and service alternatives presenting competitive challenges to Titan Bank include:
- TCS BaNCS
- Finacle
- Avaloq Banking Suite
- Bankingly
- Oradian
Strategic Positioning
Titan Bank's strategic position highlights its strength in noninterest-bearing deposit concentration, reflecting a strategy of optimizing deposit portfolios and maximizing asset returns. As per S&P Global, Titan Bank leads among small community banks with a 46.79% concentration in noninterest-bearing deposits as of early 2025. Through a targeted approach, Titan Bank navigates the competitive landscape with efforts focused on differentiation and technological leverage.
