Bank tech stack tracker
Updated 2026-10-21 · Free to cite with attribution to RAVEN (reportraven.tech)
Which vendors actually sit behind a community bank’s “Apply now” button? We fingerprinted the live digital banking, loan application, mortgage and account-opening flows of 32 Southeast institutions (27 banks and 5 credit unions)while auditing their digital lending journeys. Each row comes from the institution’s own site and the portal domains its buttons hand off to, not from vendor press releases.
Most common vendors by layer
Digital banking
- Banno (Jack Henry)7
- Fiserv4
- Q22
- Apiture1
- FIS1
Consumer loan application
- Finastra Mortgagebot3
- MeridianLink3
- Clutch1
- DecisionLender1
- defi SOLUTIONS1
Mortgage application
- ICE Encompass16
- Finastra Mortgagebot4
- Docitt1
- Home Hub1
- Maxwell1
Account opening
- MeridianLink4
- Clutch1
- First-party1
- Fivision1
- MANTL1
The most fragmented stacks belong to Anderson Brothers Bank, Colony Bank, Robins Financial Credit Union: each runs at least four different identified vendors across these four layers, before counting the core.
Counts are institutions where the vendor was positively identified. “Not identified” means the flow was checked but did not reveal a vendor, or the product has no online application. New to the layers? See what a digital banking platform and a loan origination system do.
Every institution
| Institution | Digital banking | Consumer loan application | Mortgage application | Account opening | Audit |
|---|---|---|---|---|---|
Anderson Brothers Bank SC · bank · ~$2.38B | Banno (Jack Henry) | defi SOLUTIONS | ICE Encompass | MeridianLink | Read |
Arthur State Bank SC · bank · ~$814M | Banno (Jack Henry) | Not identified | Finastra Mortgagebot | Not identified | Read |
Bank of Travelers Rest SC · bank · ~$1.60B | Not identified | Not identified | ICE Encompass | Not identified | Read |
BankPlus MS, LA, AL, FL · bank · $8.38B | Not identified | Not identified | ICE Encompass | MeridianLink | Read |
Beacon Community Bank SC · bank · ~$982M | Banno (Jack Henry) | Not identified | Not identified | Not identified | Read |
Carolina Bank & Trust Co. SC · bank · ~$845M | Banno (Jack Henry) | Not identified | ICE Encompass | Not identified | Read |
Champions First Credit Union FL · credit union · $535.8M (member-owned, not stock-issued) | Banno (Jack Henry) | MeridianLink | ICE Encompass | MeridianLink | Read |
Chesapeake Bank VA · bank · $1.72B | Not identified | Not identified | Finastra Mortgagebot | Salesforce | Read |
Coastal Carolina National Bank SC, NC · bank · ~$2.3B combined ($1.35B CCNB, Q2 2026) | Not identified | Not identified | ICE Encompass | Not identified | Read |
Coastal States Bank SC, GA · bank · ~$2.35B | Fiserv | Not identified | Not identified | Not identified | Read |
Cogent Bank FL · bank · $2.45B | Not identified | Not identified | ICE Encompass | Not identified | Read |
Colony Bank GA, AL, FL · bank · ~$3.6B | Fiserv | Finastra Mortgagebot | Maxwell and ICE Encompass | Prelim | Read |
Countybank SC · bank · ~$733M | Not identified | Not identified | Not identified | Not identified | Read |
First Capital Bank SC, NC · bank · ~$1.32B | Fiserv | Not identified | Not identified | Not identified | Read |
First Community Bank SC, GA · bank · ~$2.38B | FIS | Not identified | ICE Encompass | Not identified | Read |
First Palmetto Bank SC · bank · ~$1.10B | Fiserv (business banking) | Not identified | Not identified | Not identified | Read |
First Reliance Bank SC · bank · ~$1.13B | Apiture | Not identified | Finastra Mortgagebot | Not identified | Read |
Founders Federal Credit Union SC, NC · credit union · $5.18B (member-owned, not stock-issued) | Q2 | Clutch | ICE Encompass | Clutch | Read |
Oconee Federal Savings and Loan Association SC, GA · bank · ~$679M | Fiserv | Not identified | ICE Encompass | Not identified | Read |
OptimumBank FL · bank · $1.40B | Not identified | Not identified | Not identified | Not identified | Read |
Optus Bank SC · bank · ~$764M (Q2 2026) | Smiley Technologies (STI) | Not identified | Not identified | Not identified | Read |
Palmetto Citizens Federal Credit Union SC, GA · credit union · $1.44B | Not identified | MeridianLink | Docitt | MeridianLink | Read |
Queensborough National Bank & Trust Company GA, SC · bank · ~$2.28B | Not identified | Not identified | Not identified | Not identified | Read |
REV Federal Credit Union SC, NC, WV · credit union · $1.2B (member-owned, not stock-issued) | Not identified | First-party | ICE Encompass | First-party | Read |
Robins Financial Credit Union GA · credit union · $4.91B (member-owned, not stock-issued) | Q2 | DecisionLender | ICE Encompass | MANTL | Read |
Security Federal Bank SC, GA · bank · ~$1.54B | Not identified | MeridianLink | ICE Encompass | Not identified | Read |
South Atlantic Bank SC, NC · bank · $1.98B | Banno (Jack Henry) | Not identified | ICE Encompass | Not identified | Read |
Southern Bank and Trust Company NC, VA · bank · ~$5.30B | Not identified | MANTL | ICE Encompass | Not identified | Read |
Southern First Bank SC, NC, GA · bank · ~$4.9B | Not identified | Not identified | Not identified | Not identified | Read |
The Conway National Bank SC · bank · $2.00B | Not identified | Not identified | Not identified | Not identified | Read |
Uwharrie Bank NC · bank · $1.22B | Not identified | Finastra Mortgagebot | Home Hub | Fivision | Read |
Wilson Bank and Trust TN · bank · $5.98B | Banno (Jack Henry) | Finastra Mortgagebot | Finastra Mortgagebot | Not identified | Read |
Verified 2026-10against each institution’s public site. Vendors change; corrections to isaac@reportraven.tech.
Frequently asked questions
Which Southeast banks and credit unions use ICE Encompass?
Of the 32 institutions RAVEN has fingerprinted, 16 run ICE Encompass: Southern Bank and Trust Company (mortgage application); Colony Bank (mortgage application); Carolina Bank & Trust Co. (mortgage application); Oconee Federal Savings and Loan Association (mortgage application); Anderson Brothers Bank (mortgage application); South Atlantic Bank (mortgage application); Bank of Travelers Rest (mortgage application); Security Federal Bank (mortgage application); Coastal Carolina National Bank (mortgage application); First Community Bank (mortgage application); REV Federal Credit Union (mortgage application); Champions First Credit Union (mortgage application); Founders Federal Credit Union (mortgage application); Robins Financial Credit Union (mortgage application); Cogent Bank (mortgage application); BankPlus (mortgage application). Verified 2026-10-21.
Which Southeast banks and credit unions use Banno (Jack Henry)?
Of the 32 institutions RAVEN has fingerprinted, 7 run Banno (Jack Henry): Arthur State Bank (digital banking); Carolina Bank & Trust Co. (digital banking); Anderson Brothers Bank (digital banking); South Atlantic Bank (digital banking); Beacon Community Bank (digital banking); Champions First Credit Union (digital banking); Wilson Bank and Trust (digital banking). Verified 2026-10-21.
Which Southeast banks and credit unions use Finastra Mortgagebot?
Of the 32 institutions RAVEN has fingerprinted, 6 run Finastra Mortgagebot: Arthur State Bank (mortgage application); First Reliance Bank (mortgage application); Colony Bank (consumer loan application); Uwharrie Bank (consumer loan application); Wilson Bank and Trust (consumer loan application, mortgage application); Chesapeake Bank (mortgage application). Verified 2026-10-21.
Which Southeast banks and credit unions use MeridianLink?
Of the 32 institutions RAVEN has fingerprinted, 5 run MeridianLink: Anderson Brothers Bank (account opening); Security Federal Bank (consumer loan application); Palmetto Citizens Federal Credit Union (consumer loan application, account opening); Champions First Credit Union (consumer loan application, account opening); BankPlus (account opening). Verified 2026-10-21.
Which Southeast banks and credit unions use Fiserv?
Of the 32 institutions RAVEN has fingerprinted, 4 run Fiserv: Colony Bank (digital banking); Coastal States Bank (digital banking); Oconee Federal Savings and Loan Association (digital banking); First Capital Bank (digital banking). Verified 2026-10-21.
Which Southeast banks and credit unions use MANTL?
Of the 32 institutions RAVEN has fingerprinted, 2 run MANTL: Southern Bank and Trust Company (consumer loan application); Robins Financial Credit Union (account opening). Verified 2026-10-21.
Which Southeast banks and credit unions use Q2?
Of the 32 institutions RAVEN has fingerprinted, 2 run Q2: Founders Federal Credit Union (digital banking); Robins Financial Credit Union (digital banking). Verified 2026-10-21.
Methodology and citation
For each institution we followed every lending and account-opening call to action on its public website and recorded where it led: the application domain (for example app.loanspq.com for MeridianLink, mymortgage-online.com for ICE Encompass Consumer Connect, mortgagewebcenter.com and loanwebcenter.com for Finastra’s Mortgagebot) and the online banking login host. A vendor is listed only when that evidence identifies it; inferred or likely vendors are left as “Not identified.” Core processors are not listed because they are rarely visible from outside. Free to cite with attribution to RAVEN (reportraven.tech). Download the data as CSV.
See also the De Novo Watch tracker and our integrations with these platforms.