Banking/Financing

Company Overview

Spirit of Texas Bank, now operating under the Simmons Bank brand, provides full-service commercial and retail banking tailored to the needs of individuals, professionals, and especially small to medium-sized businesses across Texas. With a focused presence in major markets such as Houston, Dallas/Fort Worth, Austin, San Antonio, and others, the institution delivers relationship-driven services and industry expertise aimed at supporting business growth and financial health for franchise and business clients.

Services Offered

• Commercial and industrial lending, including SBA loans and lines of credit for growth and expansion
• Commercial real estate and construction financing, including owner-occupied, multifamily, and development loans
• Treasury management, merchant services, and online banking tools for business operations
• Business deposit accounts, credit cards, and wealth management solutions

Value Proposition

• Industry Specialization: The bank specializes in serving small to medium-sized businesses across Texas, including those in high-growth metropolitan areas and franchise sectors, with services adaptable to QSR, retail, and professional service concepts.
• Key Benefits:
  • Provides tailored business financing and flexible lines of credit, helping franchisees and franchisors fund new units or remodels.
  • Offers advanced treasury and cash management for multi-unit operations, streamlining collections, payroll, and vendor payments.
  • Ensures personalized, relationship-based service with local decision-making and support.
• Franchise Expertise: Spirit of Texas Bank has a history of acquiring community banks and growing its footprint to better serve multi-unit owners and franchise systems, as reflected in its integration into Simmons Bank, which emphasizes franchise banking solutions and robust digital capabilities for complex operators.