Texas Regional Bank

Headquarters

6770 West Interstate 2
Harlingen, TX 78552
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.03% 0.95% →
1-Year CD 0.55% 1.01% →
2-Year CD 0.55% 0.95% →
5-Year CD 0.85% 2.25% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Texas Regional Bank is an FDIC insured institution located in Harlingen, TX. It was founded in 1987 and has approximately $1.09 billion in assets. Customers can open an account at one of its 16 branches.

FDIC Insured Yes
FDIC Certificate # 26906
Date Established 1987
Assets $ 1,088.12 million
Loans $ 612.21 million
Deposits $ 952.83 million
Capital $ 109.09 million
 

For a more detailed analysis of Texas Regional Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 25, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Savings
0.03% $2,500 $4,999 Learn More
Money Market
0.05% $2,500 $2,999 Learn More
Money Market
0.11% $10,000 $14,999 Learn More
Money Market
0.16% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.20% $10,000 $14,999 Learn More
3 Mo CD
0.25% $100,000 $199,999 Learn More
6 Mo CD
0.20% $10,000 $14,999 Learn More
6 Mo CD
0.25% $100,000 $199,999 Learn More
12 Mo CD
0.50% $10,000 $14,999 Learn More
12 Mo CD
0.55% $100,000 $199,999 Learn More
18 Mo CD
0.50% $10,000 $14,999 Learn More
18 Mo CD
0.55% $100,000 $199,999 Learn More
24 Mo CD
0.50% $10,000 $14,999 Learn More
24 Mo CD
0.55% $100,000 $199,999 Learn More
36 Mo CD
0.65% $10,000 $14,999 Learn More
36 Mo CD
0.70% $100,000 $199,999 Learn More
48 Mo CD
0.75% $10,000 $14,999 Learn More
48 Mo CD
0.80% $100,000 $199,999 Learn More
60 Mo CD
0.80% $10,000 $14,999 Learn More
60 Mo CD
0.85% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.03% $1 $99 Learn MoreShow Less
Int Ckg
0.04% $2,500 $3,499 Learn MoreShow Less

Loan Rates - October 25, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Texas Regional Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.575% 2.500% 1.00 $2,470 $988 Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
1Rate, Inc
NMLS ID: 1948084
License#: MC-7051
2.567% 2.500% 0.88 $2,216 $988 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

Note to Texas Regional Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Texas Regional Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Texas Regional Bank Locations


Financial Details

Texas Regional Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Texas Regional Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Texas Regional Bank U.S. Bank Average
2.01% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, Texas Regional Bank had $1,647,000 in non-current loans and $690,000 in owned real estate. To cover these potential losses it had $109,088,000 in equity and $7,072,000 in loans loss reserves. That gives it a Texas Ratio of 2.01%.

Return on Equity
Texas Regional Bank U.S. Bank Average
6.53% 7.80%

Texas Regional Bank has a Return on Equity of 6.53% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Texas Regional Bank U.S. Bank Average
10.03% 12.68%

Texas Regional Bank has a Capitalization of 10.03% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Texas Regional Bank Balance Sheet Analysis

As of March 31, 2020, Texas Regional Bank had assets of $1,088,123,000, loans of $612,213,000, and deposits of $952,833,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 27.48 million
Interest-bearing balances $ 0.71 million
Total securities $ 358.35 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 612.21 million
Loan loss allowance $ 7.07 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.69 million
Goodwill and other intangibles $ 10.58 million
All other assets $ 17.53 million
     Total Assets $ 979.04 million
LIABILITIES
Total deposits $ 952.83 million
      Interest-bearing deposits $ 603.81 million
      Deposits held in domestic offices $ 952.83 million
      % insured (estimated) 67.35%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 20.61 million
Subordinated debt N.A.
All other liabilities $ 5.59 million
      Total Liabilities $ 979.04 million
      Shareholders’ Equity $ 109.09 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 10.70 million
Total Interest Expense $ 1.44 million
Net interest income $ 9.26 million
Provision for loan and lease losses $ 0.58 million
Total non interest income $ 2.22 million
Total non interest expense $ 8.68 million
Pre-tax Net Operating Income $ 2.21 million

Bank Loan Profile?

The top three loan types in Texas Regional Bank’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and Construction and Development Loans.

Compared to other banks in Texas, Texas Regional Bank has a significantly higher percent of Multifamily Mortgages on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 13.42
Multifamily
Mortgages
4.88
Credit Card Loans 0.03
Consumer Auto Loans 0.32
Small Business Loans 0.00
Construction and Development Loans 16.71
Commercial Real Estate 38.58
Commercial and Industrial Loans 18.60
Farm Loans 0.76

Frequently Asked Questions About Texas Regional Bank

Branches and Savings

Is Texas Regional Bank FDIC insured?

Yes. It is covered under FDIC Certificate #26906.

Why does Texas Regional Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Texas Regional Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Texas Regional Bank a commercial bank?

Yes

Where are Texas Regional Bank locations?

See branch locations nearby.

Is Texas Regional Bank open on Saturdays?

Is Texas Regional Bank open on Sundays?

What time does Texas Regional Bank open?

What time does Texas Regional Bank close?

Are Texas Regional Bank ATMs Open 24/7?

Do Texas Regional Bank ATMs accept cash deposits?

Can Texas Regional Bank customers use other ATMs?

Do Texas Regional Bank branches have notaries?

Will Texas Regional Bank notarize my document?

What address for Texas Regional Bank should I put for incoming ACH transfers?

Will the Texas Regional Bank branch print checks?

Do Texas Regional Bank checks expire?

Does Texas Regional Bank require US citizenship to open account?

Can Texas Regional Bank close my account?

Does Texas Regional Bank Report to credit bureaus?

Does Texas Regional Bank Use Equifax?

What is Texas Regional Bank's ACH Routing Number?

What is Texas Regional Bank's SWIFT code?

Products

Does Texas Regional Bank offer mortgages?

Compare mortgage rates here.

Does Texas Regional Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Texas Regional Bank offer personal loans?

Compare personal loan rates here.

Does Texas Regional Bank offer student loans?

Will Texas Regional Bank cash a check?

Will Texas Regional Bank redeem a savings bond?

Does Texas Regional Bank cash savings bonds?

Will Texas Regional Bank cash money orders?

Can Texas Regional Bank issue a money order?

Does Texas Regional Bank do currency exchange?

Background on The Bank

Who owns Texas Regional Bank?

How long has Texas Regional Bank been around?

Can Texas Regional Bank transfer to other banks?

Does Texas Regional Bank have quick pay?

Does Texas Regional Bank accept rolled coins?

Will Texas Regional Bank accept loose change?

Where is Texas Regional Bank headquarters?

Customer Reviews for Texas Regional Bank


  • June 09, 2017 |

    TRB has bought out BNB and this sucks! This BUSINESS IS NOT BBB ACCREDITED . All around wished they would have kept there business down south or should of just left BNB running the way it was and just owed it but never should of changed they way a 100 plus year old bank does business ! What dumbass!! Good luck!

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