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TransPecos Banks

Bank
BaaSSponsor Bank

Bank tracked in the Embedded Finance Index. Named by 4 companies, most often as their banking-as-a-service.

transpecosbanks.com ↗Also analysed as a company — its own stack →
TypeBank
Used asBanking-as-a-Service, Sponsor bank
Rank#135 of 340 in BaaS
Buyers4 companies
HeadquartersSan Antonio, Texas, United States (chartered in Pecos, TX)
Founded1924

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How companies use TransPecos Banks

4 companies name TransPecos Banks in their stack. The most common role is banking-as-a-service (3). A company can use the same bank for more than one thing.

Banking-as-a-Service3
Sponsor bank3
TransPecos Banks’s APIs · from Open Banking Tracker

Open Banking Tracker has no developer portal on file for TransPecos Banks. One aggregator connects to its accounts.

Reachable through
Plaid
From Open Banking Tracker’s open dataset, record “TransPecos Banks”. Full bank profile on Open Banking Tracker ↗
Background · from TransPecos Banks’s own dossier

TransPecos Banks is a century-old Texas state-chartered community bank (SSB) founded in 1924 in Pecos, TX. In 2021 it modernized onto the Nymbus API-first core, enabling it to layer a sponsor banking / BaaS business on top of its traditional West Texas community bank. It now markets itself both as a community bank for the Permian Basin and as a compliant sponsor bank providing regulated rails to fintech and embedded-finance partners.

Full dossier: TransPecos Banks’s own stack, layer by layer →
Who uses TransPecos Banks
4 companies disclose TransPecos Banks in their stack
Invoice2go MoneyOutgoBILLTake Command Health
Buyer mix · 4 of 4 classified
Horizontal SaaS / Spend Management · 1Vertical SaaS / Healthcare · 1Vertical SaaS / Logistics · 1Vertical SaaS / SMB Invoicing · 1
US · 4
What the disclosures say
Invoice2go Money
“Original launch blog names TransPecos Banks, SSB as initial partner.”
Outgo
“TransPecos Banks named in Invoice and Factoring Agreements as banking partner.”
BILL
“Deposits: Column N.A. holds the BILL Cash Account root account (bill.com/legal Column agreements); Invoice2go Money is issued by TransPecos Banks, SSB.”
Take Command Health
“Banking services are provided by TransPecos Banks, Member of FDIC.' Business Deposit Account Agreement is listed as a live document on the terms page.”
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent TransPecos Banks? Claim this profile above to unlock your own full list.
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What TransPecos Banks runs on · from its own dossier
The third-party providers TransPecos Banks itself discloses, layer by layer — the vendor as a buyer. Distinct from the companies above that disclose TransPecos Banks.
Ledger
Nymbus
Full dossier with evidence for each layer →
Other banks in BaaS

Other banks named for BaaS in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.

Evolve Bank & Trust71 buyers →Sutton Bank63 buyers →Cross River56 buyers →Pathward48 buyers →ClearBank39 buyers →Thread Bank35 buyers →Community Federal Savings Bank30 buyers →GBank27 buyers →
Share this rank

An embeddable badge for TransPecos Banks’s own site — it always shows this page’s current rank, so it stays accurate as new disclosures land. States its own denominator; never claims a number this page doesn’t.

Ranked #135 of 340 in BaaS — Embedded Finance Index 2026
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       alt="Ranked #135 of 340 in BaaS — Embedded Finance Index 2026">
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TransPecos Banks — frequently asked

Which companies use TransPecos Banks?

4 companies are linked to TransPecos Banks in the Embedded Finance Index 2026, through their own public disclosures or TransPecos Banks's published customer list, including Invoice2go Money, Outgo, BILL and Take Command Health.

What do fintechs use TransPecos Banks for?

TransPecos Banks is a bank. Companies in the Embedded Finance Index 2026 name it as their banking-as-a-service (3) and sponsor bank (3).

What are the alternatives to TransPecos Banks?

The most-named BaaS alternatives to TransPecos Banks are Evolve Bank & Trust (71 buyers), Sutton Bank (63 buyers), Cross River (56 buyers), Pathward (48 buyers), ClearBank (39 buyers) and Thread Bank (35 buyers).

Where is TransPecos Banks headquartered?

TransPecos Banks is founded in 1924 and headquartered in San Antonio, Texas, United States (chartered in Pecos, TX).

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