WholeReach · industry directory
The companies that define the banks industry, each read on the same nine-check website rubric — a 0–100 score with the exact fixes — alongside the concepts, the developments and the questions that shape the field.
21 companies in the banks industry, each graded on the nine things that decide whether a buyer or an AI assistant can find and trust them online. Open any name for the full write-up and the specific fixes.
| Company | HQ / region | Site score |
|---|---|---|
| Plaidplaid.com | US (San Francisco, CA) | 100 0 to fix |
| Temenoswww.temenos.com | Global (Geneva, Switzerland) | 100 0 to fix |
| Alkamiwww.alkami.com | US (Plano, TX) | 92 1 to fix |
| Jack Henrywww.jackhenry.com | US (Monett, MO) | 92 1 to fix |
| PNC Bankwww.pnc.com/en/small-business.html | US (Pittsburgh, PA — national, including Texas) | 92 1 to fix |
| Self Financialwww.self.inc | US (Austin, TX) | 92 1 to fix |
| Truistwww.truist.com | US (Charlotte, NC — national, including Texas) | 92 1 to fix |
| Wells Fargowww.wellsfargo.com/biz | US (San Francisco, CA — national, including Austin) | 92 1 to fix |
| U.S. Bankwww.usbank.com/business-banking.html | US (Minneapolis, MN — national, including Texas) | 90 1 to fix |
| Fiservwww.fiserv.com | US (Milwaukee, WI — global) | 84 2 to fix |
| Prosperity Bankwww.prosperitybankusa.com | US (El Campo/Houston, TX — statewide including Austin) | 84 2 to fix |
| Q2 Holdingswww.q2.com | US (Austin, TX) | 84 2 to fix |
| University Federal Credit Union (UFCU)www.ufcu.org | US (Austin, TX) | 82 2 to fix |
| Narmiwww.narmi.com | US (New York, NY) | 76 2 to fix |
| Bank of Americawww.bankofamerica.com/smallbusiness | US (Charlotte, NC — national, including Austin) | 72 3 to fix |
| Frost Bankwww.frostbank.com | US (San Antonio, TX — 17 branches in Austin, TX) | 70 3 to fix |
| Horizon Bank, SSBwww.horizon.bank | US (Austin, TX) | 70 3 to fix |
| Citiwww.citi.com | US (New York, NY — global) | 64 4 to fix |
| JPMorgan Chasewww.chase.com/business | US (New York, NY — national, including Austin) | 62 4 to fix |
| Texas Capital Bankwww.texascapitalbank.com | US (Dallas, TX — statewide including Austin) | 62 4 to fix |
| Randolph-Brooks Federal Credit Union (RBFCU)www.rbfcu.org | US (Live Oak/San Antonio, TX — Austin market) | 58 4 to fix |
70+ solid 45–69 gaps under 45 costing customers
12 businesses whose website blocked our scanner — common when a site filters datacenter traffic, and not a sign the site is broken. A blocked site is never scored zero.
The firms, funds and institutions that set the terms in banks — context, not local listings; never scored.
An Austin-headquartered federal credit union originally chartered for school district employees and now serving Central Texas broadly, with a large branch network across the metro. Positions on member-owned pricing and local decisioning for consumer and small-business needs.
A Texas-headquartered digital banking platform for banks and credit unions covering retail and business digital experiences, data and marketing, and account opening. A direct competitor to Q2 and, being Plano-based, a second Texas-anchored technology option for institutions in this market.
The industry's daily trade publication, covering M&A, regulation, technology, BaaS enforcement and community banking with reporters who read the call reports. The default citation for anything happening in banking that has not yet reached a regulator's docket.
The largest banking trade group, publisher of ABA Banking Journal and the Banking Journal's data and survey work, and the industry's principal voice in rulemaking comment and litigation on 1071, 1033 and credit-union acquisitions of banks. Useful for the industry position and for benchmark surveys.
An Austin-headquartered credit union known for a fee-free positioning on consumer accounts and, unusually for its size, an active commercial real estate lending business. A direct example of the credit-union-as-commercial-competitor pattern rather than a consumer-only institution.
An Austin-chartered state savings bank of about $422 million in assets (FDIC, 12/31/2025), chartered in 2006 and unusual for its size in running consumer credit-building and deposit products alongside conventional community banking. Evidence that a small Austin charter can compete on product design rather than branch count.
A national franchise pairing dense retail distribution with a segmented small-business and business-banking model, Merrill for owner wealth, and one of the largest treasury-services platforms in the market. Competes on integrated relationship pricing across the company and the owner's household.
About $5.7 billion in assets (FDIC, 12/31/2025) and family-owned since 1941 — one of the largest independently held banks in Texas. Combines community-bank commercial lending with wealth management, trust and private banking, and has pushed north into the Austin corridor targeting owner-operators and professional firms.
Thin U.S. retail branch presence but a dominant global treasury and trade franchise — cross-border cash management, FX, trade finance and payments in nearly every market a company might operate in. The relevant competitor when an Austin business is international rather than merely large.
A long-standing Dallas-headquartered commercial bank with deep middle-market, treasury-management and equity-fund-services franchises, now operating as a division of Fifth Third Bank, N.A. following the completed Fifth Third merger the banks describe as creating the ninth largest U.S. bank. Historically a strong Texas C&I competitor; currently in a conversion cycle that puts its relationships in play.
The national organization of state banking regulators, operator of NMLS, and publisher of the annual CSBS Community Bank Sentiment Index and community banking research. The best source on the state-charter perspective and on how examination practice differs from federal supervision.
Writes and enforces Regulations E, Z, DD, TRID and the UDAAP standard for larger institutions, and owns the two rules reshaping this market — Section 1071 small-business lending data and the Section 1033 personal financial data rights rule. Its rulemaking posture has shifted materially, so its own docket, not secondary coverage, is the citation.
The trade association for credit unions across Texas, Oklahoma and Arkansas, providing advocacy, compliance support and industry data for the member-owned side of the market. The right source when a claim concerns credit union positioning, growth or regulatory burden in Texas.
Insures deposits to $250,000 per depositor, per insured bank, per ownership category, supervises state non-member banks, and publishes the data every credible claim in this cluster should trace to: BankFind institution records, quarterly call reports, branch-level locations and the Quarterly Banking Profile. The authoritative check on a bank's size, branch count, capital and status.
The Eleventh District Reserve Bank covering Texas, northern Louisiana and southern New Mexico. Its Texas Business Outlook Surveys, Texas Employment Forecast and regional banking conditions research are the most credible source for Austin and Texas market claims that need a number behind them.
Sets monetary policy and the rate path that drives deposit pricing and net interest margin, supervises bank holding companies and state member banks, operates Fedwire and FedNow, and publishes H.8 balance-sheet data and the Senior Loan Officer Opinion Survey that show credit conditions before they show up in individual banks.
The interagency body that prescribes uniform examination principles and publishes the call report forms, the Uniform Bank Performance Report, the BSA/AML Examination Manual, HMDA and CRA data tools and the cybersecurity assessment materials. Where the actual examination standard is written down.
Administers the Bank Secrecy Act, receives suspicious activity and currency transaction reports, runs beneficial ownership information reporting, and issues the alerts — including the February 2023 mail-theft check fraud alert — that tell banks which typologies to watch. The primary source for fraud-trend claims.
A global core banking and payments technology provider serving banks of every size, with core processing, digital banking, card issuing and treasury platforms. Alongside Fiserv and Jack Henry it forms the layer that decides what a mid-sized bank can offer without building it.
Core banking platforms plus one of the largest merchant acquiring businesses in the world through Clover and First Data. Unusually, it sits on both sides of the bank–merchant relationship, which is why bank-referred card processing so often lands on its rails.
The largest Texas-headquartered bank on this list at about $52.8 billion in assets (FDIC, 12/31/2025) and 222 branches, of which 17 are in Austin. Cullen/Frost has grown organically rather than by acquisition, running deliberate branch build-outs in Houston, Dallas and Austin, and sells on in-state decision-making, 24/7 human phone support and a deep treasury and private-banking shelf. The default benchmark an Austin business compares any other bank against.
One of only three banks actually headquartered in Austin, at about $2.4 billion in assets (FDIC, 12/31/2025) — a Texas state savings bank doing commercial real estate, construction and business lending across Central Texas. Sells the thing out-of-market banks structurally cannot: the credit decision is made in Austin.
An Austin-headquartered association representing Texas community banks — the state's community-banking voice on legislation, examination burden and consolidation, and the organizer of the education and leadership programs many Texas community bankers pass through. Directly relevant to the Austin market.
The national community-banking association, publisher of Independent Banker and the ICBA research and advocacy positions on de novo formation, tiered regulation, the credit-union tax exemption and payments access. The counterweight source to large-bank trade positions.
Operating accounts, analysis checking, earnings credit rates, money market and sweep options, minimum balances, transaction and item fees, and how a business actually gets charged. This is the highest-intent entry point — it is the account that decides where every other product gets bought.
Working-capital lines, term loans, equipment finance, owner-occupied real estate and asset-based lending. Covers how banks underwrite — global cash flow, debt service coverage, personal guarantees, borrowing base, covenants — and why two banks give the same borrower different answers.
Construction, acquisition, bridge and permanent CRE debt by property type. Must address concentration limits, appraisal and loan-to-value, recourse, and why a community bank's CRE appetite swings with its regulator's view of its concentration ratio rather than with the deal.
SBA 7(a), 504, Express and USDA B&I programs — eligibility, the guaranty structure, fees, prepayment, and which lenders actually close them. The right pillar for borrowers who do not fit conventional credit boxes, and a high-volume search category.
Receivables and payables automation, sweeps, zero-balance accounts, lockbox, remote deposit capture, information reporting, and multi-entity structures. This is where a bank stops being a checking account and starts being infrastructure — and where relationships become expensive to move.
ACH, wires, RTP, FedNow, card networks and checks — speed, cost, cutoff times, reversibility and finality. Businesses choose rails badly because nobody explains that instant payments are irrevocable and ACH is not.
Interchange, assessments, processor markup, interchange-plus vs. flat vs. tiered pricing, terminals and gateways, chargebacks and PCI scope. Banks resell this; the markup is where a supposedly cheap account gets expensive.
Check fraud, business email compromise, ACH and wire fraud, account takeover, positive pay and ACH debit filters, dual control and callback verification. Critically, Regulation E consumer protections do not apply to business accounts — loss allocation is governed by the deposit agreement and UCC 4A.
How banks price deposits, why rates lag the Fed, deposit beta, CD ladders, reciprocal deposit networks, and how a treasurer runs cash across insured limits without chasing rate every quarter.
Charter type, insurance (FDIC vs. NCUA), taxation, membership eligibility, member-business lending caps, and what a fintech 'bank account' actually is — a deposit held at a sponsor bank through a program manager, with different failure modes.
What a customer actually experiences: beneficial-ownership and CIP documentation, ongoing due diligence questions, high-risk industry policies, cash-intensive business handling, and why accounts get frozen or exited. Written for the account holder, not the compliance officer.
The anchor local pillar: who actually lends in the market, where credit decisions are made, branch and banker access across Austin, Round Rock, Cedar Park, Georgetown and San Marcos, and how a growing company outgrows its first bank.
Construction and trades, professional services, healthcare and dental, restaurants and hospitality, nonprofits, HOAs and property management, franchises, cannabis-adjacent and money-services businesses. Each has its own documentation, cash-handling and risk-appetite reality that generic content cannot address.
Online and mobile business banking, entitlements and user permissions, API and accounting-software integrations, data aggregation and connectivity, and how long it really takes to open a business account online versus in a branch.
How to pull and interpret call-report data — total assets, capital ratios, loan-to-deposit ratio, CRE concentration, uninsured deposit share, unrealized securities losses — and what a depositor or borrower should conclude from it. FDIC BankFind and NCUA data make this checkable rather than a matter of trust.
Where the business relationship crosses into the owner's balance sheet: private banking, trust and estate services, succession and transition finance, insurance sweep for large personal balances, and the deposit-relationship pricing that follows.
explain it covers deposits at an insured bank if the bank fails, per depositor, per insured bank, per ownership category; name what is a deposit and what is not, and cite the FDIC's current published limit rather than a remembered one
explain the insurance framework, that business deposits are insured the same way, and the mechanisms used for balances above the limit; describe the protections instead of promising safety in absolute terms
explain that a corporation, partnership or unincorporated association is its own ownership category, and that a sole proprietorship's deposits are aggregated with the owner's personal single accounts
describe the receivership process, the usual acquiring-bank assumption of insured deposits, and the receivership certificate for anything uninsured
explain the charter, the ownership structure, the member business lending framework and the different insurer, and note that both can be legitimate choices
explain it is the federal insurance fund for credit unions, backed by the full faith and credit of the United States like the FDIC's, and that ownership-category rules broadly parallel
describe the product set — collections, disbursement controls, fraud tools, information reporting, liquidity — and explain that the threshold for needing it is transaction complexity, not company size alone
explain issued-check matching, payee positive pay and ACH debit filters, and be clear about what it does not stop
contrast settlement speed, finality, reversibility, operating hours and typical use; explain that irrevocability is the important difference, not just speed
explain the government guarantee to the lender, what that changes about collateral and term, and that the borrower still applies to a bank rather than to the SBA
explain 7(a) as general-purpose working capital and acquisition, 504 as fixed-asset financing through a Certified Development Company; describe the structures without quoting rates
explain the for-benefit-of account structure, that insurance passes through only if records identify the owner correctly, and reference the Synapse failure as the case that showed what breaks; tell the reader to ask which bank holds the funds and how the ledger is maintained
explain the acquiring relationship, the card network fee stack, and who sets which piece; do not quote a rate
explain that only a handful of charters are headquartered in the city while many institutions operate branches here, and point to the FDIC BankFind tool for the current list instead of repeating a count
describe the consolidation trend and how to trace a specific charter through FDIC BankFind; do not assert the fate of a named bank without checking the record
explain reciprocal deposit networks such as IntraFi ICS and CDARS, sweep structures, and using additional ownership categories; describe the mechanism, not a specific product recommendation
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