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Texas Regional Bank Review

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Texas Regional Bank Savings
0.08% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations


Texas Regional Bank was founded in 1987 with headquarters in Harlingen, Texas. It owns assets of $848 million along with deposits totaling $750 million, making it a medium-size bank. Texas Regional Bank lacks premium access to support representatives, with no options for live chat or all-day service. It is a traditional brick-and-mortar bank with access to service representatives at a physical location, in addition to its online and mobile apps. Coming in at an average 3.6 out of 5 stars, Texas Regional Bank proves it is an average bank that leaves room for improvement. Texas Regional Bank offers a selection of banking products, which include savings accounts, checking accounts, money market accounts, IRAs and mortgage products. Texas Regional Bank has a fair savings rate compared to the average savings account. The bank's standard checking account carries a monthly fee of $10.00, making it a rather expensive bank for checking. Using an institution with free checking and a high savings APY is the best option for returning the highest income on your deposits alongside convenient access to your funds.

How We Rated It

SmartAsset's Overall Rating

National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more


SmartAsset Average: 3.5

Texas Regional Bank has a savings rate of 0.08%, which is fair compared to the national average. Texas Regional Bank's CDs feature a rate of 1.16% and 2.18% for the one-year and five-year term lengths, respectively, while its highest-yielding money market account earns at a rate of 0.29%. Given Texas Regional Bank's below average savings rate, you should consider other options to earn more on your deposits.

How Texas Regional Bank's Savings Rates Compare

Texas Regional Bank Savings 0.08 National Average 0.26 Compare Offers
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SmartAsset Average: 4.4

Texas Regional Bank typically has high fees compared to other U.S. banks. Its checking account has a monthly fee of $10.00, which makes it fair for anyone looking for a hassle-free account. Texas Regional Bank does not reimburse out-of-network ATM fees, meaning you'll have to locate a Texas Regional Bank ATM or eat the fee.

Monthly Fee $10.00 National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee N/A National Average: $35.00
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Service Quality

SmartAsset Average: 3.7

Texas Regional Bank is a brick-and-mortar bank, with 18 total bank locations in Texas. It also offers access to mobile and web apps for an easy mobile-banking experience. It does not provide access to all-day customer service with representatives. You can get help during its customer service hours, which are Monday through Friday and 8:00 a.m. to 5:00 p.m. CT. Texas Regional Bank receives reasonably decent feedback from users for its mobile app. Out of 28 customer reviews on Apple and Android platforms, the Texas Regional Bank mobile app has an overall rating of 4.0 out of 5 (compared to the national average of 3.8). Texas Regional Bank's mobile app lets you control your bank accounts by monitoring monthly statements, transferring funds as well as accessing support representatives. Texas Regional Bank receives an excellent consumer satisfaction rating due to comparatively few complaints reported to the Consumer Financial Protection Bureau (CFPB), a government agency that protects consumers in the financial sector.

Overall Mobile Rating 4.0/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

SmartAsset Average: 4.8

Texas Regional Bank is currently a medium-size bank owning assets totaling $848 million as well as $750 million in deposits. It has an excellent Texas Ratio of 2.07%, indicating a negligible likelihood of failure. Additionally, Texas Regional Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

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Compare Texas Regional Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.08% APY $100
Checking Account 0.15% APY $2500
Certificates of Deposit
  • 12 Month: 1.16% APY
  • 24 Month: 1.45% APY
  • 36 Month: 1.95% APY
  • 48 Month: 2.00% APY
  • 60 Month: 2.18% APY
$1000 for all terms
Money Market Account 0.21% APY $10000

Texas Regional Bank has several deposit products including savings accounts, checking accounts and money market accounts that provide you with many options to manage your money. Texas Regional Bank does not have the best savings rate, which means you should consider other options for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. Texas Regional Bank's CD rates are fair compared to other U.S. banks.

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Find a Texas Regional Bank Near Me

Texas Regional Bank has 18 physical locations across the U.S.

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