Bank of South Texas

Overview / Commentary
1421 East Nolana Avenue
Mcallen, TX 78504

Bank of South Texas is headquartered in MCALLEN and is the 280th largest bank in the state of Texas. It is also the 3,259th largest bank in the nation. It was established in 1986 and as of March of 2024, it had grown to 62 employees at 7 locations. Bank of South Texas' CD rates are 6X the national average, and it boasts an A+ health rating.

Reviews (3)

No CD, Check, Savings Rates Posted

Posted by: |

they do not have any rates for CD, Savings, Checking etc posted on their website. Clicked on Open Account and a warning came up and said directing to 3rd party website.
Called the bank in Mcallen and spoke to CSR who had no idea where to direct me on their website to see the current interest rates for CDs. She even talked to her manager who did not know. They also do not post any link to their Terms and Conditions for any of their accounts either.

For a bank with an A+ rating they should have this info easy for customers to find, especially rates their bread and butter. When I see this type of "hiding the T&C" and "Rates" and using 3rd party website to start an account I RUN.

Don't Want My $

Posted by: |

12-month c.d. is 5.09% Rates not posted on web site I was told when I called cuz they don't want people outside of Texas, yet they have a branch on Devon Avenue in Chicago

No Longer 5.88

Posted by: |

This is no longer 5.88% - it is now 5.00%. If you go on the website, it still shows 5.88%, and you try to apply and it takes all your info, THEN it says 5.00%. Bank of South Texas, stop taking peoples personal info BEFORE you tell me the proper interest rate, that is not right.


Health Grade Components

FDIC Certificate #26727
Year Established1986
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.64%
Return on Equity - YTD10.6%
Annual Interest Income$3.3MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$170MM$164MM
LoansQ1 2024vs Q1 2023$113MM$111.6MM
DepositsQ1 2024vs Q1 2023$141.9MM$139MM
Equity CapitalQ1 2024vs Q1 2023$26.7MM$23.7MM
Loan Loss AllowanceQ1 2024vs Q1 2023$1.7MM$1.7MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$156K$94K
Real Estate OwnedQ1 2024vs Q1 2023$0$0
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Bank of South Texas CD Rates

5.12%$1k-12 Month CD

Bank of South Texas Locations
Bank Of South Texas Hebbronville Branch1500 North Smith StreetHebbronville, TX 78361
Bank Of South Texas Kingsville Branch300 East King StreetKingsville, TX 78363
Bank Of South Texas1421 E Nolana AveMcallen, TX 78504
Bank Of South Texas Cage Branch840 North Cage BoulevardPharr, TX 78577
Mission Branch2000 N. ConwayMission, TX 78572
Detached Facility301 East King StreetKingsville, TX 78363

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