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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


Founded in 1987, Texas Regional Bank has $848 million in assets along with $750 million in deposits, ranking the institution as a medium-size bank. Texas Regional Bank, whose headquarters are in Harlingen, Texas, lacks premium access to customer service, with no options for live chat or all-day service. It is a conventional brick-and-mortar bank with access to service representatives at a physical location, in addition to its online and mobile apps. Overall, Texas Regional Bank is a decent bank that leaves room for improvement, with a rating of 3.6 stars out of 5 from our experts. Texas Regional Bank provides customers with multiple banking products, including 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 maintains a $10.00 monthly fee, making it a rather expensive bank for checking. Finding a checking account with no monthly fee and a savings account with a high interest rate at the same bank is your best bet for returning the most income from your deposits while having easy 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 features a savings rate of 0.08%, which is fair in comparison to other U.S. banks. Its one-year and five-year term lengths CDs earn at a rate of 1.14% and 2.18%, respectively, while its highest-yielding money market account earns at an APY of 0.29%. Given its noncompetitive savings rate, you should think about opting for higher earning savings accounts with other banks.

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

On average, Texas Regional Bank charges customers high fees compared to the average U.S. bank. Texas Regional Bank's checking account has a monthly fee of $10.00, ranking it fair for anyone looking for a simple account. Texas Regional Bank unfortunately does not reimburse out-of-network ATM charges, which means you will be required to search for a Texas Regional Bank ATM or pay the cost of withdrawal.

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 branches in Texas. With mobile and web apps, Texas Regional Bank makes account access convenient, even on the go. It does not offer all-day customer service with representatives. You can get help during its hours, which are Monday through Friday and 8:00 a.m. to 5:00 p.m. CT. Texas Regional Bank's online and mobile banking services get fairly good feedback from customers. The Texas Regional Bank mobile app rates a 4.0 out of 5 (with 28 customer reviews on iOS and Android) compared to the national average of 3.8. Texas Regional Bank's mobile app allows you to control your bank accounts by looking at account balances, sending and receiving funds as well as accessing customer service. Texas Regional Bank receives an outstanding consumer satisfaction rating due to comparatively few consumer complaints reported to the Consumer Financial Protection Bureau (CFPB), a government financial 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 ranks as a medium-size bank with assets totaling $848 million and deposits totaling $750 million. Its Texas Ratio is 2.07%, denoting a negligible probability 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: 1.14% 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 offers 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 taking a look elsewhere 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 in comparison to the national average.

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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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