No stored Google rating available.
FDIC-insured commercial bank founded in 1986 offering business and personal banking services, online banking, and loan products to clients nationwide.
Data compiled from public sources
United Texas Bank was founded in 1986 by former Board Chairman Jeffrey Beck with the vision of creating a locally owned, full-service, FDIC-insured boutique commercial bank. The bank operates as a global business bank with a focus on personalized service and understanding client needs. Based on their website messaging, the company positions itself as a relationship-driven institution that differentiates itself from larger banks through personal attention and customized solutions.
UTB offers a range of banking products and services including personal checking accounts, business banking solutions, commercial loans (property and equipment financing), cash management services, online banking platforms for both personal and business accounts, mobile banking apps, remote deposit capture, debit cards, and e-statements. They emphasize 24/7 online access and competitive lending rates for commercial purposes. The bank operates multiple customer channels including phone support and online contact forms.
The company distinguishes itself through its stated commitment to personalized service, claiming that loan applications are reviewed by people who know clients and understand their businesses. They emphasize simplifying banking by reducing the need for in-person bank trips through digital services. Additionally, United Texas Bank highlights community involvement, noting donations and volunteer support for causes like the Mary Crowley Cancer Research Center and Habitat for Humanity.
As a smaller, listed commercial bank, United Texas Bank appeals to business owners and companies seeking personalized service rather than large institutional banking. However, as a boutique bank, they likely have more limited branch networks and service capabilities compared to national banks. Their primary strength appears to be in commercial banking relationships rather than consumer financial products.
This is state-level context for Banks consumers in Dallas, TX. It does not confirm that United Texas Bank or this specific location is licensed.
State regulator
Texas Office of Consumer Credit Commissioner
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
United Texas Bank processed 207 mortgage applications in 2023, with 93.7% recorded as approved across 2 states.
207
Applications
93.7%
Approval Rate
$121K
Avg Loan
2
States Served
Based on 207 applications. Income in thousands (reported by applicant).
Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.
United Texas Bank offers 12 services including Personal checking accounts, Business checking accounts, Commercial property loans, Equipment financing loans, Cash management services, and 7 more.
United Texas Bank has profile signals associated with Business owners and commercial enterprises seeking personalized banking relationships, Companies requiring customized cash management and commercial lending solutions, Businesses valuing relationship managers with industry experience context and personal attention, Established companies with nationwide or global operations needing boutique bank services.
Key strengths: FDIC-insured deposits backed by full faith and credit of U.S. Government; Founded in 1986 with 35+ years of operating history as a boutique commercial bank; Offers 24/7 online banking and mobile app access for convenience. Areas to consider: Limited geographic presence as boutique bank compared to national competitors; Website does not provide specific interest rates, fees, or APR information for products.
In the Banks category, comparable providers include Credit Human | Park Ten Financial Health Center, PECU, SouthStar Bank Austin Loan Office. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
United Texas Bank is best suited for established businesses and business owners seeking personalized commercial banking relationships rather than consumers looking for basic savings/checking accounts or consumer loan products. The main caveat is that as a boutique bank, they have limited branch presence and primarily focus on commercial rather than retail banking services, making them less suitable for consumers seeking widespread branch access or retail financial products.
Credit Human is a credit union offering checking, savings, loans, and investment products with rate claims to verify and zero-fee checking accounts.
Google rating from 54 reviews
Profile signals: Members seeking fee-free checking and savings with rate claims to verify, Homebuyers interested in down-payment-free mortgage options
PECU is a member-owned, not-for-profit credit union in Austin, TX offering full-service banking including checking, savings, loans, and credit cards with rewards programs.
Google rating from 225 reviews
Profile signals: Austin-area residents seeking rewards-based checking with cash back on everyday spending categories, Credit union members who value not-for-profit structure and member ownership over corporate banking
SouthStar Bank is a Texas-based community bank serving the state since 1920, offering personal and commercial banking with locally-made loan decisions.
Google rating from 8 reviews
Profile signals: Texas-based small business owners seeking SBA or commercial construction financing with local decision-makers, Homebuilders and real estate developers needing spec home loans and construction financing
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