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Bank of South Texas Rates & Review August 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: August 28, 2026

Bank of South Texas's 6-Month CD Offer rates are at 4.18%, 12-Months 12-Month CD Offer rates are at 3.39%. MonitorBankRates evaluates the financial stability of Bank of South Texas with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.56%. Rates last updated and verified on 08/28/2026.

Bank of South Texas money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Bank of South Texas? Share your experience about Bank of South Texas by leaving a review below, or read customer reviews before you decide to use Bank of South Texas.

MonitorBankRates Verified Strong Badge 2026 Verified Strong Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
2.56%
Excellent Lower than avg
Bank of South Texas
1421 E Nolana Ave
Mcallen, TX 78504
https://www.bankofsouthtexas.com
Member FDIC

Bank of South Texas CD Rates

Product Rate APY Term View More
6 Month CD Offer 4.10% 4.18% 6 Month
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.56%
12 Month CD Offer 3.35% 3.39% 12 Months
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.56%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Bank of South Texas is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Bank of South Texas rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Bank of South Texas's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Bank of South Texas
FDIC Certificate # 26727
Address 1421 E Nolana Ave, Mcallen, TX 78504  ·  Hidalgo
Website https://www.bankofsouthtexas.com
Established 07/08/1986
FDIC Insurance Date 07/08/1986
Domestic Offices 7
Total Branches 7
Regulator FDIC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+
Overall Health Grade Score: 99/100
5.0
Exceptional Out of 5.0 Stars
2.56%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 1.7490%
Return on Equity (ROE) 11.8300%
Non-Performing Loans (NPL) 0.38%
Total Assets $167,747,000
Total Deposits $135,464,000
Equity Capital $30,920,000
Net Income $2,683,000
Headquarters Mcallen
Total Branches and Offices 7
Source: FDIC  |  Last Updated 12/31/2025
MonitorBankRates Verified Strong Badge 2026
2026 MBR Health & Safety Badge

Bank of South Texas earned the Verified Strong badge

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Customer Reviews

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Frequently Asked Questions About Bank of South Texas

How many branches does Bank of South Texas operate?

Bank of South Texas currently maintains approximately 7 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Bank of South Texas does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Bank of South Texas provides members with tools to manage their accounts and build a solid financial history.

Does Bank of South Texas offer online and mobile banking?

Most modern institutions like Bank of South Texas provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.bankofsouthtexas.com.

Current Bank of South Texas Rates

  • 12-Month CD3.39%
Retrieved from our database of financial products. Rates subject to change.

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