As of August 2, 2011, Treaty Oak Bancorp, Inc. went out of business. Treaty Oak Bancorp, Inc., doing business as TOBI, INC., operates as a bank holding company for Treaty Oak Bank that provides various banking services in Texas. The company's services include traditional banking activities, such as personal and commercial deposit accounts and loans, as well as finance, consulting, and treasury services; ancillary services, including notary services, safe deposit boxes, cashiers' checks and money orders, traveler's checks, wire transfers, and other services. It offers business-oriented banking products and services, including commercial loans for businesses to finance internal growth, acquisitions, and working capital needs; real estate and construction loans; cash management services, including online banking; and remote deposit opportunities and other business services. The company offers consumer-oriented banking services, including consumer loans, checking accounts with debit cards and overdraft protection, credit card services, savings accounts and certificates of deposit, ATM, and telephone and Internet banking. The company's lines of credit include term loans, home equity products, agriculture loans, construction loans, and commercial real estate loans for owner-occupants. It also provides medium and long term mortgages on residential and commercial real estate. Treaty Oak Bancorp, Inc. was incorporated in 2003 and is headquartered in Austin, Texas.