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4949 Fairmont Parkway
Pasadena, TX 77505

Texas Citizens Bank is headquartered in Pasadena and is the 166th largest bank in the state of Texas. It is also the 1,996th largest bank in the nation. It was established in 2006 and as of March of 2014, it had grown to 83 employees at 6 locations. Texas Citizens Bank's money market rates are 25% higher than the national average, and it has a A health rating.

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Reviews (8)

I've Been A Customer For A Little Less Than A Year And Have Been Extremely Pleased With My

I've been a customer for a little less than a year and have been extremely pleased with my experience.   The customer service staff is very responsive either by phone or email.  The Bill Pay has a couple of quirks but continues to show improvement (everything is paid on time but default is to min. pay instead of full for automatic payments so I have to manually change). They also participate in's program.  I have a Reward Plus account which is currently paying 5.01% APY.

Watch Statement

When the account was first opened in July 2010, the rate given for Rewards Checking was close to the Rewards Plus checking - about 4.76% and 5.01%, but the day after opening the account the rate for the Reward Checking dropped to 2.76% with no notification. The first month was to have no restrictions, but it was only one day, as the cutoff for this bank falls in the middle of the month.  Reward was not paid for Aug 2010, so we called and they said it was a mistake and made the interest payment, as the 3 bill pay and 12 debit and online statement requirements were met. Reward was not paid for Sept 2010, so we emailed and got a response that they made a mistake again & paid the interest on the first $25,000 in the account. Good news is that today we got msg that statement was available and the interest was paid for Oct. 2010 statement. There is also a provision in the contract that if the account is closed within one year, there is a penalty of most of the interest paid. So, we'll probably have direct deposit transferred to this account to qualify for 5.01% APY, which is the only added feature needed to upgrade the account. In all, they have paid interest, but mistakes can happen and need to be corrected. *Dates, figures and amounts are to the best estimates and are not provided for any short or long-term comparisons to this or other banks providing interest bearing accounts.

Biased And Prejudiced Managers

HAfter I told the bank I did not receive my new credit card's pin while traveling, they required me to come in for a new pin knowing that I was out of the country traveling instead resending a pin/ new card. Also despite constant emails from the same email address I have been using to communicate with managers for years, ID verification documentation sent, and phone conversations answering security questions, would still not reissue my card and pin due to "security issue."

They even put my account on a limited basis where I would have to contact them each time if I wanted to transfer money between my internal and external accounts without any advance notice. She even asked me for my job, which basically had nothing to do with my account. When I brought this up she said that makes them not trust me, but after asking her, she then admitted that it wouldn't make a difference anyway. She still asked me for my job again, I told her, and of course they still closed the account. I sensed bias and prejudice in their decision making simply because it wasn't rational and the excuses didn't add up. She said her and other officers make the decisions to close the account or not, but she came off that she made the ultimate decision and immediately assumed during our conversation that the account would be closed just because I raised concerns and issues about their unfair treatment towards me and illogical "security issue excuse." even said that she asked others in the bank if any one knew or saw me. As if the bank know's all their customers on a first name basis or if that is some kind of requirement for a bank.

I tried reporting this issue to the CEO and he immediately agreed with . He didn't even want to hear my concerns, complaint or explanation of the situation. He also told me I could contact their compliance officer, . I contacted her several times and she never took the time to respond. I notified the CEO about her lack of response and he also did not respond.

Online Banking System

The online banking and cash management system is the best I have used.  It allows me to monitor my balances and activity at all my banks and brokerage firms.  It also provides an excellent interface to all my credit card accounts.  The customer service at TCB is great!!! 

The interest rate on my RewardPlus personal checking account is higher than other banks pay on their CDs.  The bank also allows me to use any ATM at no cost to me.  I have no reservations in recommending TCB.


Crappy Online System

Dramatically drop the interest rate without notice.  Bad online system. Too bad don't have the courtesy of notifying costumer. What is this bank good for.

Rewards Plus Checking Rate

Still says 5.01% on the website but when I log on to my account the rate is 4.90%. Seems as though it has dropped just a bit.

They Support Illegal Immigrants

Bank officers would rather hire illegals on the cheap than hire American business both personally and professionally. Love to avoid paying sales taxes that themselves do.

This Bank Was Not For Me

I pulled my money out of this bank.


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 Texas Citizens Bank had $2.97 million in non-current loans and owned real-estate with $35.07 million in equity and loan loss allowances on hand to cover it. This gives Texas Citizens Bank a Texas Ratio of 8.48% 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 Texas Citizens Bank decreased slightly from 10.79% as of March 31, 2013 to 8.48% as of March 31, 2014, resulting in a positive change of 21.44%.This indicates that the balance sheet and financial strength for Texas Citizens Bank has improved slightly in recent periods.

Deposit Growth


In the past year, Texas Citizens Bank has increased its total deposits by $19.96 million, resulting in 7.47% 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 Texas Citizens 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. Texas Citizens Bank has $328.36 million in assets with $35.07 million in equity, resulting in a capitalization level of 10.68%, which is above average.

Institution Statistics

FDIC Certificate #58319
Year Established2006
Primary RegulatorOCC
Assets and Liabilities
Assets$328.36 million
Loans$242.42 million
Deposits$287.13 million
Equity Capital$31.88 million
Loan Loss Allowance$3.19 million
Unbacked Noncurrent Loans$147,000
Real Estate Owned$2.83 million
Historic Data - March 2013
Assets$302.56 million
Equity Capital$26.54 million
Loan Loss Allowance$3.18 million
Unbacked Noncurrent Loans$147,000
Real Estate Owned$2.75 million
Profit Margin - Quarterly
Net Interest Margin4.75%
Return on Assets0.59%
Return on Equity6.01%
Interest Income$3.85 million

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

Texas Citizens Bank Savings Account Rates

0.10%--Savings Accounts

Texas Citizens Bank Money Market Rates

0.55%$250k-IRA Money Market
0.50%$250k-BizReward Money Fund
0.40%$250k-Money Market Savings

Texas Citizens Bank Checking Account Rates

1.20%-$25kReward Plus Checking - Qualifying
0.75%-$25kReward Checking - Qualifying
0.10%$1,500-Now Account
0.02%--Reward Checking - Non Qualifying
0.02%--Reward Plus Checking - Non Qualifying

Texas Citizens Bank CD Rates

1.15%$10k-48 Month "One Bump" CD
0.95%$10k-30 Month "One Bump" CD
0.80%--24 Month Reward CD
0.75%--24 Month CD
0.65%--18 Month Reward CD
0.60%--18 Month CD
0.55%--12 Month Reward CD
0.50%--12 Month CD
0.45%--9 Month Reward CD
0.40%--9 Month CD
0.35%--6 Month Reward CD
0.30%--6 Month CD
0.30%--3 Month Reward CD
0.25%--3 Month CD

Texas Citizens Bank Locations
Clear Lake Branch14020 Hwy 3 Ste 100Houston, TX 77058
Tcb-Nasa Branch1800 Nasa ParkwayHouston, TX 77056
Rosenberg Branch24701 Southwest Freeway, Suite 700Rosenberg, TX 77469
West University Branch3636 Rice BlvdHouston, TX 77005
Texas Citizens Bank, National Association4949 Fairmont ParkwayPasadena, TX 77505
Baytown Branch507 West Baker RdBaytown, TX 77521