CrossFirst Bankshares is the holding company for CrossFirst Bank, a regional commercial bank focused on businesses, business owners, and professionals across seven states: Kansas, Missouri, Oklahoma, Texas, Arizona, Colorado, and New Mexico. CrossFirst targets small to mid-sized businesses in high-growth metro markets like Dallas-Fort Worth, Kansas City, Phoenix, and Denver. CrossFirst operates a branch-light model — a small number of offices per market — and positions itself as a high-touch, relationship-driven alternative to larger banks. CrossFirst earns money the traditional way: capturing the spread between deposit costs and loan yields (net interest margin). About 70% of CrossFirst's loan portfolio is floating rate, meaning yields reprice with market interest rates. The loan portfolio is split roughly evenly between commercial real estate and commercial & industrial lending, with smaller exposures in energy and other categories. Beyond core lending, CrossFirst generates fee income through treasury management, SBA loan origination and sales, and credit card programs. CrossFirst grows organically by recruiting experienced local bankers in new markets, and supplements this with selective acquisitions of smaller community banks. CrossFirst has also launched specialty lending verticals — including Restaurant Finance, Sponsor Finance, and SBA — to build concentrated expertise that extends across its geographic footprint. An early-stage digital banking initiative, built with fintech partner Nymbus, aims to extend CrossFirst's reach to small businesses outside its physical branch network.