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Overview / Commentary
2019 S. 77 Sunshine Strip
Harlingen, TX 78550

Texas Regional Bank is headquartered in Harlingen and is the 137th largest bank in the state of Texas. It is also the 1,687th largest bank in the nation. It was established in 1987 and as of December of 2013, it had grown to 138 employees at 8 locations. Texas Regional Bank has a A health rating.

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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 Texas Regional Bank had $7.02 million in non-current loans and owned real-estate with $47.91 million in equity and loan loss allowances on hand to cover it. This gives Texas Regional Bank a Texas Ratio of 14.65% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Texas Regional Bank decreased dramatically from (infinite) as of December 31, 2012 to 14.65% as of December 31, 2013, resulting in a positive change of (infinite). This indicates that the balance sheet and financial strength for Texas Regional Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Texas Regional Bank has increased its total deposits by $218.46 million, resulting in 176.68% 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 Regional 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 Regional Bank has $392.47 million in assets with $47.91 million in equity, resulting in a capitalization level of 12.21%, which is excellent.

Institution Statistics

FDIC Certificate #26906
Year Established1987
Primary RegulatorFDIC
Assets and Liabilities
Assets$392.47 million
Loans$203.26 million
Deposits$342.12 million
Equity Capital$46.59 million
Loan Loss Allowance$1.32 million
Unbacked Noncurrent Loans$2.88 million
Real Estate Owned$4.14 million
Historic Data - December 2012
Assets$145.45 million
Equity Capital$21.67 million
Loan Loss Allowance$1.01 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.67%
Return on Assets-0.14%
Return on Equity-0.98%
Interest Income$7.62 million

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Texas Regional Bank Locations
Texas Regional Bank2019 South 77 Sunshine StripHarlingen, TX 78550
Brownsville Branch3450 Pablo Kisel BoulevardBrownsville, TX 78526
Falfurrias Branch401 North St. Mary StreetFalfurrias, TX 78355
Mcallen Branch4501 N 10th StMcallen, TX 78504