2.5 star ratingAverage User Rating:
2.5 star rating based on 2 reviews.

Inter National Bank

Inter National Bank Locations
1801 South Col Rowe Blvd
Mcallen, TX 78503
956-664-8401
www.inbweb.com

FDIC


Inter National Bank is headquartered in Mcallen and is the 22nd largest bank in the state of Texas. It is also the 333rd largest bank in the nation. It was established in 1985 and as of March of 2013, it had grown to 392 employees at 21 locations. Inter National Bank has a 4-star health rating.

Related Posts

Inter National Bank Dropping Their Add-On Cds After Current Ones Expire (Forum) - 8/4/2012

Inter National Bank (of Texas) offered some great Add-On CDs, that allowed Unlimited Add-Ons for the term of the CDs. Back in 2010, they were paying 3.25% for 5-year terms, with unlimited deposits allowed to it. Though the branches are in Texas, as long a

Add-On 5-Year Certificate of Deposit at Inter National Bank in Texas - 2/11/2011

This used to be a hot deal. It's not quite as hot, but it remains a good deal due to some unique featues of this CD. Inter National Bank is offering a 5-year add-on CD with a 2.50% APY that allows unl ...

Top 5-Year CD Rate at Inter National Bank in Texas - Local Only - 10/6/2010

Inter National Bank is offering a very competitive 3.25% APY 5-year CD. Minimum deposit is $1,000. The other CD rates are not quite as competitive: 2.50% APY 4-year CD and 2.25% APY 3-year CD. These r ...


Data for Q1 2013


Institution Statistics


Inter National Bank
FDIC Certificate #25879
BankRate ReportView
Year Established1985
Employees392
Primary RegulatorOCC

Assets and Liabilities

Assets$2.13 billion
Loans$687.48 million
Deposits$1.70 billion
Equity Capital$422.72 million
Loan Loss Allowance$14.23 million
Unbacked Noncurrent Loans$8.67 million
Real Estate Owned$28.17 million

Historic Data - March 2012

Assets$2.16 billion
Equity Capital$416.25 million
Loan Loss Allowance$19.31 million
Unbacked Noncurrent Loans$26.52 million
Real Estate Owned$40.40 million

Profit Margin - Quarterly

Net Interest Margin2.66%
Return on Assets0.65%
Return on Equity3.29%
Interest Income$14.62 million

Institution Health


Overall Score:
4 out of 5
4
Texas Ratio4
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 March 31, 2013 Inter National Bank had $36.84 million in non-current loans and owned real-estate with $436.95 million in equity and loan loss allowances on hand to cover it. This gives Inter National Bank a Texas Ratio of 8.43% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend5
The Texas Ratio for Inter National Bank decreased significantly from 15.36% as of March 31, 2012 to 8.43% as of March 31, 2013, resulting in a positive change of 45.12%.This indicates that the balance sheet and financial strength for Inter National Bank has improved significantly in recent periods.
Deposit Growth2
In the past year, Inter National Bank has decreased its total deposits by -$38.53 million, resulting in -2.22% 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 Inter National Bank has shown is below average.
Capitalization5
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. Inter National Bank has $2.13 billion in assets with $436.95 million in equity, resulting in a capitalization level of 20.49%, which is excellent.
Write Review

A Decent Bank
4 stars - savingstime - Saturday, April 14, 2012 - 6:26 PM

I've banked with Inter National now for about 3 years and have had no complaints. I vastly prefer credit unions for a number of different reasons (morally, as well as the money it can save your wallet) but among banks Inter National has been OK. There was one time where a small fee was assessed that I felt was unfair... I talked to a CSR and the fee was removed. They're not perfect (they don't even have an 800 number, just local numbers for their branches that can transfer to their main customer service line) but among banks you can do far worse. There's one person who I usually wind up dealing with, and it's nice that I'm recognized and the employee knows me. I still prefer credit unions, but this is the one bank that I bank with as well, and I'm happy here. Again, they're not perfect, but not bad at all. They also offer a lot of options for cross-border banking and ATM usage (between the US and Mexico) though I don't travel to Mexico so I don't have any need for that.

 

3

Very Disappointed!
1 stars - kuskok - Tuesday, February 14, 2012 - 6:13 AM

We were disappointed working with this bank.  We closed our accounts, and we recommend people bank in a more professional Banking Institution.

3