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1213 Kingwood Drive
Kingwood, TX 77339

The MINT National Bank is headquartered in Kingwood and is the 442nd largest bank in the state of Texas. It is also the 5,637th largest bank in the nation. It was established in 2009 and as of March of 2014, it had grown to 10 employees at 1 location. The MINT National Bank has a B+ health rating.

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Reviews (1)

Small Bank With Big Rates

I felt the MINT's CD rates and relatively strong rating justified the 60 mile trek to investigate this little bank in Kingwood, TX.  Although the staff is small the CSR, Erin, was competent and efficient in processing our new account.  The transaction was visible online the next day, and I felt confident in extending my CD ladder with one of the few banks still offering a 5 yr. rate over 2%.            


Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. The MINT National Bank has a relatively low asset base.

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 The MINT National Bank had $919,000 in non-current loans and owned real-estate with $9.67 million in equity and loan loss allowances on hand to cover it. This gives The MINT National Bank a Texas Ratio of 9.51% 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 The MINT National Bank decreased dramatically from 16.60% as of March 31, 2013 to 9.51% as of March 31, 2014, resulting in a positive change of 42.74%.This indicates that the balance sheet and financial strength for The MINT National Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, The MINT National Bank has increased its total deposits by $9.33 million, resulting in 20.83% 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 The MINT 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. The MINT National Bank has $63.18 million in assets with $9.67 million in equity, resulting in a capitalization level of 15.30%, which is excellent.

Institution Statistics

FDIC Certificate #58764
Year Established2009
Primary RegulatorOCC
Assets and Liabilities
Assets$63.18 million
Loans$46.76 million
Deposits$54.14 million
Equity Capital$8.94 million
Loan Loss Allowance$726,000
Unbacked Noncurrent Loans$919,000
Real Estate Owned$0
Historic Data - March 2013
Assets$53.02 million
Equity Capital$8.13 million
Loan Loss Allowance$630,000
Unbacked Noncurrent Loans$919,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.18%
Return on Equity1.34%
Interest Income$710,000
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The MINT National Bank Savings Account Rates

0.50%$10k-ManageMINT Savings
0.40%--EconoMINT Savings
0.25%$10k-MonuMINT Savings

The MINT National Bank Checking Account Rates

0.50%$10k-MonuMINT Checking

The MINT National Bank CD Rates

1.50%--60 Month CD
1.35%--48 Month CD
1.20%--36 Month CD
1.10%--30 Month CD
1.00%--24 Month CD
0.70%--12 Month CD
0.15%--3 Month CD
0.15%--6 Month CD

The MINT National Bank IRA Rates

1.50%--60 Month IRA
1.35%--48 Month IRA
1.20%--36 Month IRA
1.10%--30 Month IRA
1.00%--24 Month IRA
0.70%--12 Month Variable IRA
0.70%--12 Month IRA
0.15%--3 Month IRA
0.15%--6 Month IRA

The MINT National Bank Locations
The Mint National Bank1213 Kingwood DriveKingwood, TX 77339