Texas Regional Bank

Headquarters

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

Notable Rates APY Vs.Others
Savings N.A. 5.50% →
1-Year CD N.A. 4.80% →
2-Year CD N.A. 4.25% →
5-Year CD N.A. 4.00% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Bank Information

Texas Regional Bank is an FDIC insured institution located in Harlingen, TX. It was founded in 1987 and has approximately $2.66 billion in assets. Customers can open an account at one of its 16 branches.

FDIC Insured Yes
FDIC Certificate # 26906
Date Established 1987
Assets $ 2.66 billion
Loans $ 1,422.23 million
Deposits $ 2.17 billion
Capital $ 218.64 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 - November 21, 2024

Your Current Location: Ohio, OH 43085


Loan Rates - November 21, 2024

Your Current Location: Ohio, OH 43085

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 - Ohio 30 Year Fixed Mortgage Rates 2024

Lender APR Rate (%) Monthly
Payment
Learn More
Price Mortgage, LLC
NMLS ID: 1429043
License#: RM.804500.000
6.415% 6.250%
0.75 points
$5,600 fees
$1,971 Learn More
Sebonic
NMLS ID: 66247
6.576% 6.500%
0.75 points
$2,544 fees
$2,023 Learn More
Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894
6.953% 6.875%
0.63 points
$2,534 fees
$2,103 Learn More
AimLoan.com
NMLS ID: 2890
License#: MBMB.850089.000
6.989% 6.875%
0.88 points
$3,721 fees
$2,103 Learn More

Featured - Ohio Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
Intro APR 7.240 %
After Intro: 7.240 %
$0 Learn More
More Info
Achieve Loans
Achieve Loans
See Table
Intro APR 10.625 %
After Intro: 10.625 %
$0 Learn More
More Info

Note to Texas Regional Bank
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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:
Columbus,Ohio



Climate Policy and Initiatives

Texas Regional Bank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.


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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
2.17% 4.48%

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 June 30, 2024, Texas Regional Bank had $5,052,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $218,644,000 in equity and $14,444,000 in loans loss reserves. That gives it a Texas Ratio of 2.17%.

Return on Equity
Texas Regional Bank U.S. Bank Average
4.99% 10.46%

Texas Regional Bank has a Return on Equity of 4.99% versus the BestCashCow average of 10.46%. 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
8.22% 10.84%

Texas Regional Bank has a Capitalization of 8.22% versus the BestCashCow average of 10.84. 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 June 30, 2024, Texas Regional Bank had assets of $2,660,302,000, loans of $1,422,228,000, and deposits of $2,174,236,000. 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

June 30, 2024
ASSETS
Cash & Balances due from depository institutions $ 80.94 million
Interest-bearing balances $ 35.31 million
Total securities $ 902.72 million
Federal funds sold and reverse repurchase $ 3.68 million
Net loans and leases $ 1,422.23 million
Loan loss allowance $ 14.44 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 48.33 million
All other assets $ 47.41 million
     Total Assets $ 2.44 billion
LIABILITIES
Total deposits $ 2.17 billion
      Interest-bearing deposits $ 1,519.84 million
      Deposits held in domestic offices $ 2.17 billion
      % insured (estimated) 53.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 93.24 million
Subordinated debt N.A.
All other liabilities $ 12.30 million
      Total Liabilities $ 2.44 billion
      Shareholders’ Equity $ 218.64 million

Summary Income Statement

June 30, 2024
INCOME AND EXPENSES
Total Interest Income $ 65.82 million
Total Interest Expense $ 26.59 million
Net interest income $ 39.23 million
Provision for loan and lease losses $ 1.14 million
Total non interest income $ 11.30 million
Total non interest expense $ 42.62 million
Pre-tax Net Operating Income $ 10.14 million

Bank Loan Profile?

The top three loan types in Texas Regional Bank’s loan portfolio are Commercial Real Estate, Construction and Development Loans, and Commercial and Industrial 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 9.16
Multifamily
Mortgages
3.55
Credit Card Loans 0.02
Consumer Auto Loans 0.10
Small Business Loans 9.71
Construction and Development Loans 15.10
Commercial Real Estate 20.76
Commercial and Industrial Loans 11.52
Farm Loans 0.46

Customer Reviews for Texas Regional Bank


  • September 3, 2021 |

    I could not keep up with the fee's being charged. Had to move to a credit union to stop the bleeding. Customer service was useless.

  • June 9, 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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