Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
1177 N.E. Loop 410
San Antonio, TX 78209

Established in 1941, Broadway Bank (along with its military division, Eisenhower Bank) is the largest independent bank in the San Antonio and Hill Country region. With 38 neighborhood banking center locations, they’re one of the strongest and best capitalized financial institutions around.

Reviews (2)

Local Bank Review: Broadway Bank, San Antonio, Texas


             Since moving to San Antonio six years ago, I've taken advantage of a number of cash bonuses for opening checking or savings accounts at various financial institutions.  Last November, I received a mailing advertising a $125 bonus for opening a personal checking account at Broadway Bank; the account required an initial deposit of $100 and a monthly direct deposit.  I opened the account at a nearby branch on the final day of the promotion.  The personal banker who assisted me was not familiar with the promotion, but he checked with the branch manager and verified it.  Opening the account was straightforward and both the teller and the personal banker who assisted me that day were polite and helpful.  I went home with a sheaf of papers which I promptly added to my "bonus bank account" file.

             I requested only a debit card, no checks, since this was not going to be my primary checking account.  Broadway Bank did provide me with five temporary checks in various designs.  The debit card arrived within a week and I activated it, as well as setting up a direct deposit from my husband's military pay.  My plan was to use this as a sort of personal "Christmas Club" account, something I started the previous year with a "bonus bank account" at Chase. So far, so good.

              Early in 2010, I finally got around to setting up online access to this account.  I'd started the setup process with the personal banker in the branch when I opened the account but never logged on to complete the process.  As it turned out, getting online with Broadway Bank was a bit of a hassle for me.  I had to call their online banking support at least twice before gaining access to my account.  The upside was that their phone support personnel were both local and very polite and helpful. 

                In addition to the monthly direct deposit, I added a rather generous gift check to my account late in December.  I noticed that it posted quickly, within a couple of days.  Once I set up my online access, I also added several payees in Broadway Bank's BillPay feature and utilized it to pay bills a number of times.  I really like this feature - it includes optional electronic bills from participating billers, an option I have not used, but the best feature for me is short lead time on paying bills - payments I set up today can be delivered in as little as three or four days. 

                 But what of the promised $125 bonus?  I kept an eye on my monthly statements, but four months after I opened the account and set up direct deposit, no bonus had posted, so I stopped by the branch to look into the situation.  I spoke with a teller who was very polite and helpful like everyone else I'd dealt with - she researched the bonus for me, found the applicable offer code, and told me that it would post to my account within a day or two. Which it did. 

                  So far I haven't been hit with any pesky fees.  In fact, I've been pretty happy with this account all around - enough that I would consider Broadway Bank for other banking needs as they arise.  Since I opened this account I've noticed that Broadway Bank has locations all over the parts of San Antonio that I frequent - and it has a military arm, Eisenhower Bank, with a presence on San Antonio military facilities.  As a military wife, I find myself shopping on post/base at least a couple times a month, and Eisenhower Bank ATMs are conveniently located in the military shopping facilities and offer fee-free withdrawals from my Broadway Bank account. 

                  Compared to Chase, Bank of America, and Compass, all of which have paid me account opening bonuses over the past few years, Broadway Bank of San Antonio is far and away the best. 













Small Hometown Kind Of Place

I have been dealing with Broadway bank for a little over 1 year.  They offered me a free checking and savings with little to no hassel.  They do what a bank is supposed to do.  They are friendly when you visit and so far there have been no surprises and no hidden charges.  My only minor complaint is their web site and online banking is not the best.  They really should look into some upgrades and improved presentation.  I can do my online banking, bill pay and review accounts but I hate to admit it but Bank of America who I used to deal with has a much better set of web tools and presentation.  Other than that I am a happy Broadway Bank Customer.


Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Broadway National Bank had $24.31 million in non-current loans and owned real-estate with $318.32 million in equity and loan loss allowances on hand to cover it. This gives Broadway National Bank a Texas Ratio of 7.64% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Broadway National Bank experienced no significant changes from 5.57% as of December 31, 2012 to 7.64% as of December 31, 2013, resulting in a negative change of 37.12%. This indicates that the balance sheet and financial strength for Broadway National Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Broadway National Bank has increased its total deposits by $87.7 million, resulting in 3.64% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Broadway National Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Broadway National Bank has $2.89 billion in assets with $318.32 million in equity, resulting in a capitalization level of 11.01%, which is excellent.

Institution Statistics

FDIC Certificate #15797
Year Established1941
Primary RegulatorOCC
Assets and Liabilities
Assets$2.89 billion
Loans$1.19 billion
Deposits$2.50 billion
Equity Capital$301.66 million
Loan Loss Allowance$16.67 million
Unbacked Noncurrent Loans$23.51 million
Real Estate Owned$805,000
Historic Data - December 2012
Assets$2.81 billion
Equity Capital$336.62 million
Loan Loss Allowance$16.96 million
Unbacked Noncurrent Loans$23.51 million
Real Estate Owned$2.13 million
Profit Margin - Quarterly
Net Interest Margin2.89%
Return on Assets0.92%
Return on Equity8.41%
Interest Income$80.93 million

Always verify rates and promotions with the bank or credit union. We are not Broadway National Bank, we are a rate comparison website and can not provide official rates or promotions.

Broadway National Bank Savings Account Rates

0.10%--Savings Account

Broadway National Bank Money Market Rates

0.36%$1m-Money Market Investment Account
0.15%--Money Market IRA
0.15%--Money Market Roth IRA
0.15%--Money Market CESA
0.15%--Money Market SEP

Broadway National Bank Checking Account Rates

0.10%$1k-Relationship Checking
0.05%$1k-eAccount with Interest
0.05%--Private Access Checking
0.05%$1k-Preferred Business Checking

Broadway National Bank CD Rates

0.50%$1k-5 Year CD
0.50%$1k-5 Year Jumbo CD
0.35%$1k-4 Year CD
0.35%$1k-4 Year Jumbo CD
0.30%$1k-3 Year CD
0.30%$1k-3 Year Jumbo CD
0.20%$1k-2 Year CD
0.20%$1k-2 Year Jumbo CD
0.10%$1k-1 Year CD
0.10%$1k-18 Month CD
0.10%$1k-1 Year Jumbo CD
0.10%$1k-18 Month Jumbo CD
0.05%$1k-180 Day CD
0.05%$1k-180 Day Jumbo CD
0.03%$1k-90 Day CD
0.03%$1k-120 Day CD
0.03%$1k-90 Day Jumbo CD
0.03%$1k-120 Day Jumbo CD
0.02%$1k-30 Day CD
0.02%$1k-60 Day CD
0.02%$1k-30 Day Jumbo CD
0.02%$1k-60 Day Jumbo CD

Broadway National Bank IRA Rates

0.50%$1k-5 Year IRA (Traditional,Roth,CESA,SEP)
0.50%$1k-5 Year Jumbo IRA (Traditional,Roth,CESA,SEP)
0.35%$1k-4 Year IRA (Traditional,Roth,CESA,SEP)
0.35%$1k-4 Year Jumbo IRA (Traditional,Roth,CESA,SEP)
0.30%$1k-3 Year IRA (Traditional,Roth,CESA,SEP)
0.30%$1k-3 Year Jumbo IRA (Traditional,Roth,CESA,SEP)
0.20%$1k-2 Year IRA (Traditional,Roth,CESA,SEP)
0.20%$1k-2 Year Jumbo IRA (Traditional,Roth,CESA,SEP)
0.10%$100-Variable 18 Months IRA (Traditional,Roth,CESA,SEP)
0.10%$1k-1 Year IRA (Traditional,Roth,CESA,SEP)
0.10%$1k-18 Month IRA (Traditional,Roth,CESA,SEP)
0.10%$1k-1 Year Jumbo IRA (Traditional,Roth,CESA,SEP)
0.10%$1k-18 Month Jumbo IRA (Traditional,Roth,CESA,SEP)

Broadway National Bank has 41 locations. Click to view all Broadway National Bank locations.