What 76 Texas banks have in common
76 banks across Texas are already part of NBID, the bank-owned reciprocal deposit network. Here is where the Texas network stands today and what’s coming next.
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23% of Texas deposits are at NBID member banks† | 22% of Texas banks are NBID member banks | |
$190B Total Texas Member Assets† | $12B Reciprocal Deposits Held On Texas Member Banks’ Balance Sheets† | |
Represents NBID network as of November 2026.
† As of 2026 Q2 FFIEC Call Reports.
NBID’s 2–5 bps pricing means significant savings you can reinvest in your bank. |
From portal branding to real-time transaction handling, we keep building for the needs of our member banks and their depositors. | |||||
Your Regional Director is an extension of your team, from onboarding to deposit targets and ongoing sessions focused on your goals. |
Unlike legacy networks, NBID is owned by its member banks, who are eligible for a profit share and form the majority of the Board. | |||||
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“Community banks have historically been forced to choose between turning away good customers or accepting deposits that hurt their margins and tie up capital. NBID’s economics change that equation entirely.” Pat Kennedy
Executive Chairman, TransPecos Banks
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On the bank-owned model “It was also beneficial for us to have a say. The organizational structure, the ownership structure, and the oversight that is banks for banks. We felt like the liquidity in the system is ours.” Frank DiPuma EVP, Director Enterprise Commercial Products, Zions Bank |
On the network transition “Their money moved, they got logged in, and there was no feedback. It was just a non-event. We changed from one vendor to another. It was surprisingly easy.” Doug Ladenburger Director of Treasury Management Services, Northrim Bank |
Your bank on the depositor portal Put your logo and colors on the portal your reciprocal customers use. They see your bank, not a network. Learn more → | Same-day interest for your depositors NBID has moved reciprocal accrual from T+1 to T. Depositors at member banks now earn interest the day they deposit, not days later. Read the release → | Move your book, step by step A guided workflow for moving your reciprocal book to NBID, with every account’s status in one view. Learn more → |
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 | We’re coming to Texas in 2027. |
NBID is currently planning our network event stops for next year. If you’d like to join us alongside other Texas bankers, let us know.
Count Me InYour Texas team is one email away.
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*NBID LLC is not a bank. Deposit insurance covers the failure of insured institutions, not NBID. Deposits are placed at FDIC-insured network institutions and are eligible for pass-through insurance up to $250,000 per institution. Certain conditions must be satisfied for “pass-through” FDIC deposit insurance coverage to apply. A list of participating banks appears at https://www.nbid.com/bank-list.
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