Tectonic Financial is a Dallas-based financial holding company that provides banking, wealth management, and related financial services to small businesses, high net worth individuals, and institutions. The company operates two core businesses: a community bank (T Bank, National Association) and a wealth and investment services platform. The bank runs three lending verticals — SBA/USDA lending (roughly 64% of total lending), dental and professional lending, and factoring (purchasing accounts receivable from small transportation, energy, and staffing companies). A key feature of the SBA/USDA business is the ability to sell the government-guaranteed portion of loans in the secondary market at a premium, generating fee income alongside net interest income. The wealth platform includes Tectonic Advisors (~$4.4B AUM), an SEC-registered RIA serving high net worth clients and dental retirement trust accounts; Sanders Morris (~$3.5B in client assets), a broker-dealer offering brokerage, advisory, and investment banking services; and The Nolan Company, which provides retirement plan recordkeeping and administration for small businesses. Central to Tectonic's business is its relationship with Cain Watters, a national advisory firm specializing in dental practices — Cain Watters refers substantially all of its clients to Tectonic's trust, lending, and TPA services, and its partners own roughly 29% of Tectonic and hold board seats, making Cain Watters effectively an exclusive distribution partner for the dental client segment.