The MINT National Bank

Overview / Commentary
1213 Kingwood Drive
Kingwood, TX 77339

The MINT National Bank is headquartered in Kingwood and is the 204th largest bank in the state of Texas. It is also the 2,283rd largest bank in the nation. It was established in 2009 and as of December of 2021, it had grown to 37 employees at 1 location. The MINT National Bank's savings rates are 15% higher than the national average, and it boasts an A+ health rating.

Reviews (4)

My Favorite Bank...

Posted by: |

We've been at The Mint Bank, in Kingwood, for about 4 years and they know me by name. They're very nice and professional. They helped us with a check hold situation where a contractor took our money but didn't start work the next day or following he promised. We've been ripped off by this of scam before and they understood. They had me come in because it was the last hours to cancel the check. They walked me though it. I doubt another bank would have shown such consideration and helped us at the last they did. Their checking is free...I mean "free" without a limit. Bill pay is awesome and easy to set up. I have always felt safe about placing cash into their after hours deposit. We've never had a problem but I feel that they would help right away...if we ever do.

Really Nice EWP

I recently transferred in an IRA that got split into a stack of 5 year CDs at 2.60%. Very easy experience, very professional. And, the EWP is only 90 days! That is the best I've come across on five year CDs.

Small Bank With Big Rates

Posted by: |

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%.            

Question Mark

Posted by: |

If you go to their website you'll see they have many locations in the Houston area and even one in New Jersey. If you look closer you'll notice they all have the same phone number. I looked up a few of the addresses online and found all kinds of companies/businesses, but no bank branches. The FDIC website lists only the Kingwood location. I know info online is not always reliable or up to date so I sent them a message over a week ago and no reply. Maybe there's a logical explanation but I do not appreciate the non response. Proceed with caution.


Health Grade Components

FDIC Certificate #58764
Year Established2009
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD2.33%
Return on Equity - YTD20.76%
Annual Interest Income$17.6MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$346.3MM$371.5MM
LoansQ4 2021vs Q4 2020$260.9MM$310.1MM
DepositsQ4 2021vs Q4 2020$297.5MM$252.8MM
Equity CapitalQ4 2021vs Q4 2020$43.3MM$35.7MM
Loan Loss AllowanceQ4 2021vs Q4 2020$7.9MM$5.7MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$2.1MM$193.00K
Real Estate OwnedQ4 2021vs Q4 2020$117.00K$193.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

The MINT National Bank Savings Account Rates

0.60%--MonuMINT Savings Account
0.60%--ManageMINT Savings Account
0.05%--EconoMINT Savings Account

The MINT National Bank Checking Account Rates

0.10%*$2.5k*-MonuMINT Checking Plus
OTHER TIERS: 0.05% Up to $2.5k

The MINT National Bank CD Rates

0.90%$10k-60 Months CD
0.80%$10k-30 Months CD
0.80%$10k-36 Months CD
0.80%$10k-48 Months CD
0.75%$10k-24 Months CD
0.70%$10k-12 Months CD
0.70%$10k-18 Months CD
0.60%$10k-6 Months CD
0.50%$10k-3 Months CD

The MINT National Bank IRA Rates

0.90%$10k-60 Months IRA
0.80%$10k-30 Months IRA
0.80%$10k-36 Months IRA
0.80%$10k-48 Months IRA
0.75%$10k-24 Months IRA
0.70%$10k-12 Month Variable IRA
0.70%$10k-12 Months IRA
0.70%$10k-18 Months IRA
0.60%$10k-6 Months IRA
0.50%$10k-3 Months IRA

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

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