Merger Synergy CapStar Bank is now a division of Old National Bank following a 2023 all-stock merger, creating cross-sell opportunities across Old National's broader product lineup. SMB clients in Nashville and East Tennessee can be offered integrated solutions including treasury management, private wealth, mortgage and commercial lending. CapStar's high touch service combined with robust digital tools provides a strong platform to win new SMB relationships and expand existing ones.

SMB Lending Focus CapStar specializes in lending for small and mid-size businesses and emphasizes 24/7 availability and robust treasury management. This makes CapStar an attractive entry point for prospects needing flexible credit, cash flow management, and payments solutions. Opportunities include lines of credit, equipment financing, SBA loans, merchant services, and enhanced cash management for target SMB segments in its footprint.

Regional Footprint The bank operates in Davidson, Williamson and Sumner Counties and eight branches in East Tennessee, offering a regional presence that is ideal for a localized sales approach. The footprint allows cross-market campaigns and bundled offerings to SMBs seeking proximity and personalized service, with potential to scale through Old National's network.

Digital Capabilities CapStar emphasizes a high tech-high touch approach with online banking, a CapStar mobile app, and PeoplePay, backed by security measures such as HSTS and X-XSS-Protection. This digital readiness supports selling to digital-first SMBs and facilitates partnerships with fintechs and ERP systems through API-like opportunities and secure payment integrations.

Growth Signals Leadership moves including appointments of a Nashville Commercial Relationship Manager and a Chattanooga Market President indicate an active expansion strategy and investment in local relationship management. This signals opportunities to engage mid-market and real estate clients with comprehensive treasury, cash management, and lending solutions tailored to regional growth.