Bank · FDIC insured
Bank of South Texas
A $174.5M bank headquartered in McAllen, TX, with 8 branches in Texas. Best rates: CDs 4.44% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Savings: carrot has not captured enough rates to score this yet. Auto loans: no rates found on its website. Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- CDs—4.44%CD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Bank of South Texas
Bank of South Texas is a locally owned bank that has been serving the Rio Grande Valley communities for over 30 years.
The bank was initially focused on promoting the livelihoods of farmers through agricultural loans before expanding its products and services for businesses and consumers.
It operates branches in Pharr, McAllen, Kingsville, Hebbronville, Mission, Edinburg, and Brownsville.
- Headquarters
- 1421 E Nolana Ave, McAllen, TX 78504
- FDIC certificate
- 26727 ↗
Branches
8 branches in Texas
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Texas
8 branches
Kingsville area · 2
- Bank Of South Texas Kingsville Branch300 E King Ave, Kingsville, TX 78363Directions
- Detached Facility301 East King Street, Kingsville, TX 78363Directions
McAllen area · 1
- Bank of South TexasMain office1421 E Nolana Ave, McAllen, TX 78504Directions
Edinburg area · 1
- Bank Of South Texas Edinburg Branch320 E University Dr, Edinburg, TX 78539Directions
Hebbronville area · 1
- Bank Of South Texas Hebbronville Branch1500 N Smith Ave, Hebbronville, TX 78361Directions
Mission area · 1
- Mission Branch2000 N Conway Ave, Mission, TX 78572Directions
Olmito area · 1
- Brownsville Branch7075 N Expressway 77, Olmito, TX 78575Directions
Pharr area · 1
- Bank Of South Texas Cage Branch840 N Cage Blvd, Pharr, TX 78577Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 16.63% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.23% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.10% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $89 | $81 | — |
- CapitalLeverage ratio16.63%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.23%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.10%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$89Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Bank of South Texas are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.