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Overview / Commentary
1801 South Col Rowe Blvd
Mcallen, TX 78503

Inter National Bank is headquartered in Mcallen and is the 26th largest bank in the state of Texas. It is also the 376th largest bank in the nation. It was established in 1985 and as of March of 2014, it had grown to 361 employees at 21 locations. Inter National Bank has a B+ health rating.

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Reviews (3)

A Decent Bank

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.


Very Disappointed!

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

Great Customer Service

I have banked with Inter National Bank for a number of years and have always found the staff very friendly and helpful.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Inter National Bank had $20.33 million in non-current loans and owned real-estate with $435.19 million in equity and loan loss allowances on hand to cover it. This gives Inter National Bank a Texas Ratio of 4.67% 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 Inter National Bank decreased dramatically from 8.42% as of March 31, 2013 to 4.67% as of March 31, 2014, resulting in a positive change of 44.50%.This indicates that the balance sheet and financial strength for Inter National Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Inter National Bank has decreased its total deposits by -$230.16 million, resulting in -13.54% 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 poor.



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 $1.9 billion in assets with $435.19 million in equity, resulting in a capitalization level of 22.95%, which is excellent.

Institution Statistics

FDIC Certificate #25879
Year Established1985
Primary RegulatorOCC
Assets and Liabilities
Assets$1.90 billion
Loans$836.47 million
Deposits$1.47 billion
Equity Capital$419.67 million
Loan Loss Allowance$15.52 million
Unbacked Noncurrent Loans$6.07 million
Real Estate Owned$14.25 million
Historic Data - March 2013
Assets$2.13 billion
Equity Capital$423.51 million
Loan Loss Allowance$14.23 million
Unbacked Noncurrent Loans$6.07 million
Real Estate Owned$28.17 million
Profit Margin - Quarterly
Net Interest Margin3.37%
Return on Assets0.91%
Return on Equity4.12%
Interest Income$14.69 million

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Inter National Bank has 21 locations. Click to view all Inter National Bank locations.