INVESTORS
Creating Shared Value
Value Proposition
We believe that our growth strategies and leadership strategically differentiate Tectonic Financial and create significant commercial value. Our competitive advantage is driven by innovation and creativity, not only leading the way in financial services but also shaping the direction of the financial technology landscape. This approach allows us to streamline customer experiences as well as simplify our own processes.
Company Overview
Tectonic Financial is a financial holding company that offers banking, trust, investment advisory, securities brokerage and insurance services to high net worth individuals, small businesses and institutions in all 50 states. We believe our diversified lines of business: (a) generate a high degree of recurring earnings; (b) create an attractive return on equity and assets; (c) complement one another to reduce earnings volatility; (d) expand the number of services that we can offer and our clients can utilize; and (e) reduce the need for additional outside capital to finance our loan growth. Our trust department and broker-dealer clientele provide a source of stable funding, which we expect to increase as a percentage of our total funding sources, to help support the growth of our Bank’s loan portfolio. Likewise, our clients’ trust portfolios benefit from advisory services provided by our registered investment advisor, and our insurance agency is expected to grow through serving certain of our Bank and investment clients. We believe that we can leverage this combination of financial services to reduce our client acquisition costs and create shareholder value through our integrated next generation financial services platform.
Tectonic, adj. (\tek-ta-nik\)
Having a strong and widespread impact; often used in geological terms to describe gradual or abrupt shifts in the earth's structure
Timeless Philosophy
We view wealth accumulation as a gradual (almost) glacial and disciplined process, and risk management as protection against an abrupt event (like a tsunami or earthquake).
Experienced Management
Strong history of growing companies in a creative, but risk-conscious manner.
Aligned Ownership
Nearly 80% owned by professionals responsible for management and/or growth of business.
Headquarters
- Dallas (bank)
- Houston (investment services)
Our Clients
- High net worth individuals
- Small businesses
- Institutions
- Registered investment advisers
Services
- Banking/trust
- Wealth management
- Private equity
- Insurance
Client Assets
- $4.52 billion
(includes assets under management, client
assets in custody and client brokerage assets)
Employees
- 140
Corporate Governance
Reinforcing high levels of integrity at all levels in the Company.
High performer with return on average assets (ROAA) and return on average tangible common equity (ROATCE*) for the year ended December 31, 2020
Well-diversified and recurring revenue stream with fee based income driven by client assets** of $4.52 billion
Credentialed management team with past experience in successfully growing companies
Proven ability to grow client assets** organically and through strategic acquisitions
Significant insider and affiliate ownership closely aligns management: directors, named executive officers and affiliates beneficially own ~77.5% of common shares
Ability to scale through proprietary software platform; continued focus on an integrated long-term funding strategy
Located in robust, fast-growing metropolitan Texas markets (Dallas/Houston) with added diversification benefits via national lending platforms
Prudent and solid growth, with strong credit metrics
* Represents a non-GAAP measure
** Client assets include assets under management, client assets in custody and client brokerage accounts.
Financial Reporting
SEC Filings
News Releases
Press Release
December 19, 2023
Press Release
May 12, 2020
Corporate Governance
Our unbending insistence on integrity is reinforced at all levels in the Company.
Corporate governance refers to the entire system for managing and supervising a company. This includes its organization, values, corporate principles and guidelines as well as internal and external control and monitoring mechanisms.
Effective and transparent corporate governance ensures that Tectonic Financial is managed and supervised responsibly with a focus on value creation. It fosters the confidence of our investors, the financial markets, our clients and other business partners, employees, and the public in Tectonic Financial.
Board of Directors
Patrick Howard
President & Chief Operating Officer, Tectonic Financial and Chief Executive Officer, T Bank