Hispanic American–Owned Banks by State

Hispanic American–owned banks, of which there are 30, comprise the second largest group of minority depository institutions (MDIs) recognized by the Federal Deposit Insurance Corporation (FDIC), second only to the 71 Asian American–owned banks, as of the second quarter of 2024. These two MDI categories are also the only ones to have banks that are headquartered in U.S. island territories.

This article uses the term “Hispanic American–owned” in the broad sense in which we have used it for Black-owned, Asian American–owned, and Native American–owned banks, recognizing that stockholders own for-profit banks. What’s more, although Investopedia prefers the identifier “Latinx,” this article uses the term “Hispanic America” to identify these institutions because that is how the FDIC’s data identifies them. Note in addition that although some sources referenced in this article use Hispanic and Latino interchangeably to refer to one group, these terms are not synonymous.

What Is a Minority Depository Institution?

As of the second quarter of 2024, there were 4,539 commercial banks and savings institutions insured by the FDIC in the United States. A financial institution will only be considered an MDI by the FDIC if it is a “federal insured depository institution for which (1) 51% or more of the voting stock is owned by minority individuals; or (2) a majority of the Board of Directors is minority and the community that the institution serves is predominantly minority. Ownership must be by U.S. citizens or permanent legal U.S. residents to be counted in determining minority ownership.” In 2021 the Fed expanded this definition to include women-owned financial institutions. The 30 Hispanic American–owned banks divide evenly into the two categories, with 15 in each.

As of 2024 there is no comprehensive listing of every Hispanic American–owned credit union in the U.S. The Juntos Avanzamos credit union designation program has identified 132 member-owned lending institutions across 30 states, the District of Columbia, and Puerto Rico that focus on the financial needs of Hispanic Americans and immigrants. However, this designation doesn’t guarantee that the organization in question is a Hispanic American–owned credit union.

Why Hispanic American–Owned Banks Are Important

It’s no secret that having access to a reliable financial institution is crucial for an individual’s financial well-being. Outside of offering savings accounts, banks also typically provide the means of financing larger purchases, such as by offering loans or issuing credit cards. Some even offer wealth management services as well as investment opportunities, including retirement plans, such as individual retirement accounts (IRAs). These benefits could explain why, according to a 2021 FDIC survey (its most recent), only 4.5% of U.S. households were unbanked—the lowest level in the survey’s history. Interestingly, the Board of Governors of the Federal Reserve System put that figure at 6% for 2022 and said the figure was “unchanged from 2021.” Apparently, the government disagrees with itself.

However, this doesn’t mean that banking is equally accessible to all Americans. The same FDIC report found that 9.3% of Hispanic households were unbanked. While that number has been decreasing over time, it’s a considerably higher rate than the 2.1% of White households and only second lowest to the 11.3% of Black households. And this doesn’t mean that the remaining 90.7% of Hispanic households were being adequately served. The 2021 FDIC survey found that 24.1% of Hispanic households were underbanked, compared with only 9.3% of White Americans.

This can get even more complicated when you take immigration status into account, which isn’t helped by how little contemporary research there is in this area. A 2010 study found that up to 50% of recent Hispanic immigrants were underbanked. This is just taking documented immigrants into account, as undocumented immigrants may be understandably reluctant to self-report, though a 2016 snowball sampling found that 81% of participants were underbanked as well.

As of the third quarter of 2024, Hispanic workers also have the lowest median weekly income when compared with Black, White, and Asian individuals, while reports as recent as 2016 have shown that immigration status and poverty are often closely associated. Having a bank account has been cited as a critical step in escaping poverty, so why do so many people remain unbanked or underbanked?

According to our research, one of the most commonly cited reasons is not having enough funds to meet minimum balance requirements. In the case of immigrants, a 2011 report found that they typically face language barriers, political pressure, financial literacy problems, and, for undocumented immigrants, concerns of government identification.

Ergo, financial institutions that work with, are operated by, and understand the particular economic situations of both native- and foreign-born Hispanic Americans are naturally going to be better able to tackle these challenges.

Hispanic American–Owned Banks Breakdown

Of the 30 Hispanic American–owned banks, 10 have operations in Florida, while 12 are based in Texas. Their total assets are approximately $145.8 billion. Below is an alphabetical list of all the Hispanic American–owned banks in the U.S.

Anchor Bank

Anchor Bank was organized in 2005 as a Florida-chartered bank and originally opened in Juno Beach. A privately held community bank, it is now headquartered in Palm Beach Gardens and serves the residents and businesses of South Florida’s tri-county area. It is particularly committed to being “a recourse for local businesses.”

• Branches: Boca Raton Branch (Boca Raton, Fla.), Coral Gables Branch (Coral Gables, Fla.), Hallandale Beach Branch (Hallandale Beach, Fla.), Lake Worth Branch (Lake Worth, Fla.), and Palm Beach Gardens Branch (Palm Beach Gardens, Fla.)
• ATMs: Surcharge-free ATMs can be located using the Anchor Bank app on your smartphone or tablet.
• States: Florida
• Services: Personal (checking, savings, loans, credit cards, etc.) and business (checking, savings, loans, credit cards, etc.) banking and investments
• Assets: $358.19 million
• Availability: Online and brick-and-mortar

Banco Popular de Puerto Rico

Organized in 1893, Banco Popular de Puerto Rico (BPPR) is currently the largest financial institution in all of Puerto Rico, in addition to operating in the U.S. Virgin Islands, the British Virgin Islands, and New York City. BPPR is a subsidiary of Popular Inc., which is also the parent company of its mainland U.S. affiliate Popular Bank and the online-only Popular Direct Bank.

• Branches: 207
• ATMs: 701 total in Puerto Rico, the U.S., and the British Virgin Islands
• States: New York, New Jersey, and Florida
• Services: Accounts (checking, savings, etc.), services (payroll, collection, etc.), credit cards, personal (mortgage, auto, etc.) and business (commercial loans, StartUp Popular Program, and Paycheck Protection Program) loans, personal (property, travel, etc.) and business (civil liability, life disability, etc.) insurance, investments (IRAs, institutional services, etc.), and Popular One integrated services platform
• Assets: $58.31 billion
• Availability: Online and brick-and-mortar

Banesco USA

Banesco USA is a part of Banesco International, an international organization of financial institutions across 15 countries. Originally founded in 2006 as BBU Bank, Banesco USA merged with Banesco International Corp in 2010, giving it a foothold in Puerto Rico.

• Branches: Aventura Branch (Aventura, Fla.), Brickell Branch (Brickell, Fla.), Coral Gables Branch (Coral Gables, Fla.), East Doral and Headquarters Building (Miami), Hialeah Branch (Hialeah, Fla.), and Hato Rey Branch (Hato Rey, Puerto Rico)
• ATMs: Any ATM in the Allpoint network
• States: Florida
• Services: Accounts (checking, savings, and money market), consumer and business loans, cash management solutions, merchant services, BaneSmart CD
• Assets: $4.17 billion
• Availability: Online and brick-and-mortar

Bank of Grand Lake

Established in 2005 as the Bank of Grove, it is currently the only locally owned and operated bank in Grand Lake, Oklahoma. A year prior to opening its second location in 2018, the organization changed its name to the Bank of Grand Lake.

• Branches: Grove Branch (Grove, Okla.) and Langley Branch (Langley, Okla.)
• ATMs: Grove Branch (Grove, Okla.) and Langley Branch (Langley, Okla.)
• States: Oklahoma
• Services: Personal (checking, savings, money market, CDs, IRAs, and consumer loans) and business (checking, money market, and commercial loans) banking
• Assets: $248.74 million
• Availability: Online and brick-and-mortar

Bank of South Texas

The Bank of South Texas has been serving the Rio Grande Valley communities since it was first founded in 1986. Although originally focused on providing mainly agricultural loans, additional products and services were added to meet the growing needs of the local community.

• Branches: Edinburg Branch (Edinburg, Texas), Hebbronville Branch (Hebbronville, Texas), Kingsville Branch (Kingsville, Texas), McAllen Branch (McAllen, Texas), Mission Branch (Mission, Texas), and Pharr Branch (Pharr, Texas)
• ATMs: All six Texas branches and any ATMs in the Allpoint network
• States: Texas
• Services: Personal (checking, savings, money market, CD, IRA) and business (checking, loans, etc.) banking as well as other services (debit card, overdraft protection, etc.)
• Assets: $164.62 million
• Availability: Online and brick-and-mortar

Centinel Bank of Taos

Eliu E. Romero was inspired to establish Centinel Bank of Taos following a prior discriminatory denial of a $50 loan for office furniture. After several rejections of his bank’s charter, Romero finally got his application approved by the FDIC and opened Centinel Bank in 1969. His son, Martin, later became president and chief executive officer (CEO) of the institution in 1983. By 1999 Martin’s daughter, Rebeca, took her father’s place, becoming the youngest bank president in U.S. history.

• Branches: Main Office (Taos, N.M.), Motor Bank (Taos, N.M.), and Northside Motor Bank (Taos, N.M.)
• ATMs: Motor Bank (Taos, N.M.) and Northside Motor Bank (Taos, N.M.)
• States: New Mexico
• Services: Personal (savings, checking, personal loans, debit cards, credit cards) and business (checking, savings, CDs, loans, credit cards, services) banking
• Assets: $405.33 million
• Availability: Online and brick-and-mortar

Citizens State Bank

Citizens State Bank was originally founded in 1978. It remains the only chartered bank in all of Starr County, Texas.

• Branches: Buffalo Branch (Buffalo, Texas), Centerville Branch (Centerville, Texas), Clifton Branch (Clifton, Texas), Dawson Branch (Dawson, Texas), Groesbeck Branch (Groesbeck, Texas), Hubbard Branch (Hubbard, Texas), Itasca Branch (Itasca, Texas), Teague Branch (Teague, Texas), West Branch (West, Texas), Whitney Branch (Whitney, Texas)
• ATMs: All 10 Texas branches
• States: Texas
• Services: Personal (savings, checking, IRAs, CDs, loans) and business (savings, checking, money market, loans) banking
• Assets: $80.54 million
• Availability: Online and brick-and-mortar

Commerce Bank

Established in 1983, Commerce Bank is a member of the International Bancshares Corporation. Commerce Bank shares a website with International Bancshares’ primary subsidiary, IBC Bank, and appears to offer many of the same services.

• Branches: Commerce Bank Headquarters (Laredo, Texas), Commerce Bank McPherson (Laredo, Texas), and Commerce Bank Saunders (Laredo, Texas)
• ATMs: 10, all located in Laredo, Texas
• States: Texas
• Services: Personal (savings, checking, savings, etc.), business (savings, checking, treasury management, etc.), and international (savings, checking, mortgage, etc.) banking
• Assets: $702.62 million
• Availability: Online and brick-and-mortar

Commercial Bank of California

Founded in 2003 by some of Orange County’s most prominent businessmen, Commercial Bank of California is one of the highest-capitalized banks in the U.S. Commercial Bank of California is unusual compared with the other banks on this list in that its services are primarily geared toward businesses and not for personal use.

• Branches: Anaheim Regional Office (Anaheim, Calif.), Costa Mesa Regional Office (Costa Mesa, Calif.), Irvine Headquarters (Irvine, Calif.), Fairfax Regional Office (Los Angeles, Calif.), and Santa Monica Regional Office (Santa Monica, Calif.)
• ATMs: N/A
• States: California
• Services: Business banking (checking, savings, etc.) , loans (business, real estate, etc.), and payment processing
• Assets: $2.48 billion
• Availability: Online and brick-and-mortar

Community 1st Bank Las Vegas

Community 1st Bank Las Vegas originally started out as First National Bank in 1949. It wasn’t until 2005, however, that the bank changed its charter from a national bank to a state one, which reflected its role of primarily serving northeastern New Mexico.

• Branches: Legion Park Branch (Las Vegas, N.M.), Main Branch (Las Vegas, N.M.), Mora Branch (Mora, N.M.), and Motor Bank (Las Vegas, N.M.)
• ATMs: Legion Park Branch ATM (Las Vegas, N.M.), Mora Branch ATM (Mora, N.M.), and Motor Bank ATM (Las Vegas, N.M.)
• States: New Mexico
• Services: Checking and savings accounts (CDs, IRAs), loans (consumer, real estate, and commercial), and e-statements
• Assets: $237.63 million
• Availability: Online and brick-and-mortar

Community Commerce Bank

Community Commerce Bank was founded in 1976 and is part of the East Los Angeles Community Union (TELACU) family of companies. Community Commerce is focused primarily on providing loans for commercial real estate, nonprofit and religious organizations, apartments, and other types of real estate for both consumer and business purposes.

• Branches: Claremont Branch (Claremont, Calif.), Monterey Park Branch (Monterey Park, Calif.), and Tarzana Branch (Tarzana, Calif.)
• ATMs: N/A
• States: California
• Services: Savings accounts as well as commercial and Small Business Administration (SBA) real estate loans
• Assets: $392.22 million
• Availability: Online and brick-and-mortar

Falcon International Bank

In 1986 local businessman Hugo A. Gutierrez Sr. was invited to join the board of the newly formed Falcon National Bank. Having previously experienced discrimination at the hands of the banking system, Gutierrez and his family purchased a majority interest in Falcon in 1995 to ensure that it would become the institution he wished had been there in his youth.

• Branches: 18 in Brownsville, Buda, Del Rio, Eagle Pass, Laredo, McAllen, San Antonio, and Zapata, Texas
• ATMs: All 18 Texas branches, plus Eagle Pass (Eagle Pass, Texas), United Medical Center (Eagle Pass, Texas), San Marcos (San Marcos, Texas), Webb County Justice Center (Laredo, Texas), and Webb County Justice of the Peace Ct. #2 (Laredo, Texas)
• States: Texas
• Services: Personal accounts (checking and savings accounts), business banking (checking, mortgage loans, etc.), insurance (auto, life, etc.), investments (retirement planning, estate planning, etc.), and trusts
• Assets: $1.99 billion
• Availability: Online and brick-and-mortar

FirstBank Puerto Rico

Enrique Campos del Toro founded First Federal Savings and Loans Association in 1948, which became the first Puerto Rican savings and loan institution to establish operations in the U.S. Virgin Islands in 1962. After changing its name to First Federal Savings Bank in 1983, it settled on its current title following a switch to commercial banking in 1994.

• Branches:  It has 58 branches in Puerto Rico
• ATMs: It has 309 ATMs throughout Puerto Rico
• States: N/A
• Services: Personal (savings, checking, IRA, etc.) and business (checking, savings, etc.) accounts, personal credit cards, personal loans (mortgage, auto, etc.), insurance (life, property, etc.), business financing (credit cards, loans, etc.), transactional banking (merchant services, transaction services, etc.), and digital banking (e-statements, online mortgage servicing, etc.)
• Assets: $18.87 billion
• Availability: Online and brick-and-mortar

Freedom Bank

First State Bank in Freer was founded by a group of Texas residents in 1957. It became Brush Country Bank in 1974. Outside of merging with Freer State Bank six years later, Brush Country Bank remained unchanged until it officially switched its name to Freedom Bank in 2019.

• Branches: Alamo Branch (Alamo Texas), Edinburg Branch (Edinburg, Texas), Freer Branch (Freer, Texas), McAllen Branch (McAllen, Texas), San Diego Branch (San Diego, Texas)
• ATMs: All Texas branches except in McAllen, in addition to any ATMs in the Allpoint network
• States: Texas
• Services: Personal (checking, savings, etc.) and business (checking, lines of credit, etc.) banking as well as mortgages
• Assets: $232.85 million
• Availability: Online and brick-and-mortar

International Bank of Commerce (IBC)

International Bank of Commerce (IBC) Bank, founded in 1966, is the flagship financial institution of the International Bancshares Corporation. In 2018 IBC partnered with J.D. Power as part of an initiative to measure its customer satisfaction regarding products, branch quality and services, ATMs, and online/mobile banking services. The FDIC list counts IBC as three banks: the International Bank of Commerce in Brownsville, Laredo, and Zapata, Texas.

• Branches: More than 180 branches in Oklahoma and Texas
• ATMs: More than 280 ATMs in Oklahoma and Texas
• States: Oklahoma and Texas
• Services: Personal (checking, savings, etc.), business (checking, savings, treasury management, etc.), and international (checking, savings, mortgage, etc.) banking
• Assets: $13.18 billion
• Availability: Online and brick-and-mortar

Interamerican Bank

Interamerican Bank was founded by Agustin C. Velasco in 1976. The founder’s son, Agustin C. Velasco Jr., currently serves as the organization’s director, president, and CEO.

• Branches: Hialeah Branch (Miami), Kendall Branch (Miami), Main Branch (Miami), West Miami Branch (Miami), and West Palm Beach Branch (West Palm Beach, Fla.)
• ATMs: All five Florida branches in addition to any ATMs in the Presto network
• States: Florida
• Services: Personal (checking, savings, money market, IRAs) and business (checking and money market) banking, personal (credit card, safe deposit boxes, etc.) and business (credit card, wire transfers, etc.) services, as well as loan services (commercial, home, and consumer)
• Assets: $268.19 million
• Availability: Online and brick-and-mortar

International Finance Bank

Established in 1982, International Finance Bank works with individuals, medium and small businesses, and large and middle market corporations. This financial institution also supports several nonprofit organizations operating in Miami, such as United Way and the American Heart Association.

• Branches: Aventura Loan Production Office (Aventura, Fla.), Douglas Banking Center (Miami), Tampa Loan Production Office (Tampa, Fla.), and New York Banking Center (New York City)
• ATMs: N/A
• States: Florida and New York
• Services: Personal (checking, savings, and home mortgages), business (checking, savings, treasury management, loans, etc.), and international (personal and business checking, savings, and mortgages) banking as well as the Spending Habits personal finance management tool
• Assets: $1.12 billion
• Availability: Online and brick-and-mortar

Lone Star National Bank

Lone Star National Bank first opened for business in 1983 with just 10 employees. in 2023 it has banking centers located throughout South Texas and a team of more than 700 workers who in total have volunteered 13,000 hours to community service in the Lone Star State.

• Branches: 37 branches in Texas
• ATMs: Total of 59, including all 37 branches and 22 offsite ATMs, plus access to all Allpoint ATMs
• States: Texas
• Services: Personal and business banking (checking, savings, loans, etc.), investments (mutual funds, annuities, etc.), personal (homeowner’s, auto, condo) and business (property, general liability, etc.) insurance, and mortgage loans (fixed rate, home construction, etc.)
• Assets: $2.99 billion
• Availability: Online and brick-and-mortar

Nave Bank

Native Bank is a digital bank, with headquarters in San Juan, Puerto Rico. The bank focuses on business accounts.

• Branches: N/A
• ATMs: N/A
• States: Headquartered in Puerto Rico
• Services: Business banking
• Assets: $186.50 million
• Availability: Online

Ocean Bank

Originally founded in 1982 by a group of entrepreneurs, Ocean Bank is currently the biggest independent commercial bank headquartered in Florida. Since 1995 it has also been Miami-Dade County’s most active SBA 504 lender.

• Branches: Aventura Branch (Aventura, Fla.), Coral Gables Branch (Coral Gables, Fla.), South Miami (Coral Gables, Fla.), Doral Branch (Doral, Fla.), Downtown Fort Lauderdale Branch (Fort Lauderdale, Fla.), West Hialeah Branch (Hialeah, Fla.), Airport West Branch (Miami), Bird Road Branch (Miami), Brickell Branch (Miami), Coral Way (Miami), Downtown Miami Branch (Miami), Kendall Branch (Miami), Main Office (Miami), Miller Drive Branch (Miami), Palm Springs/Hialeah Branch (Miami), West Flagler Branch (Miami), West Kendall Branch (Miami), West Miami Branch (Miami), Miami Beach Branch (Miami Beach, Fla.), Miami Lakes Branch (Miami Lakes, Fla.), Pinecrest Branch (Pinecrest, Fla.), Weston Branch (Weston, Fla.), and Downtown Orlando Branch (Orlando, Fla.)
• ATMs: All 23 Florida bank branches, plus Aloft Hotel (Coral Gables, Fla.), Larkin Hospital/Palm Springs (Hialeah, Fla.), Larkin Hospital (Miami), Florida International University (Miami), Larkin Hospital (Miami), Silverspot Cinemas (Miami), Florida Memorial University (Opa Locka, Fla.), and Costco’s in Boca Raton, Lantana, Royal Palm Beach, Lake Park, Orlando (3), and Winter Park, Fla., plus any ATMs in the Presto network
• States: Florida
• Services: Personal (checking, savings, money market, CDs, IRA), business (checking, savings, credit cards), international (personal and business accounts, loans, credit cards, etc.) banking and commercial real estate lending
• Assets: $6.37 billion
• Availability: Online and brick-and-mortar

Oriental Bank

Founded in 1964 as Oriental Federal Savings and Loan, Oriental Bank was Puerto Rico’s first bank to trade on the American Stock Exchange in 1992. The financial institution’s holding company, previously known as Oriental Financial Group, became OFG Bancorp in 2013, the same year that Oriental Bank acquired its current name.

• Branches: It has 42 branches in Puerto Rico
• ATMs: Available in Oriental Bank branches as well as any ATMs in the Allpoint network
• States: N/A
• Services: Personal (checking, savings, CDs, credit cards, loans, etc.) and business (checking, savings, CDs, credit cards, loans, lines of credit, etc.) banking
• Assets: $11.15 billion
• Availability: Online and brick-and-mortar

Ponce Bank

Ponce Bank first opened for business in 1960 in the Bronx and has since continued to promote local economic development in New York and New Jersey. This organization has an employee-first policy, providing training in leadership, sales, and credit as well as filling as many vacancies through internal promotions as possible.

• Branches: Union City Branch (Union City, N.J.), Astoria Branch (Astoria, N.Y.), 170th Street Branch (Bronx, N.Y.), Riverdale Branch (Bronx, N.Y.), Southern Boulevard Branch (Bronx, N.Y.), Westchester Avenue Branch (Bronx, N.Y.), Bensonhurst Branch (Brooklyn, N.Y.), Flatlands Branch (Brooklyn, N.Y.), Smith Street Branch (Brooklyn, N.Y.), Forest Hills Branch (Forest Hills, N.Y.), Jackson Heights Branch (Jackson Heights, N.Y.), 106th Street Branch (N.Y., N.Y.), and Stuyvesant Town (N.Y., N.Y.)
• ATMs: Available at all 13 Ponce Bank branches
• States: New Jersey and New York
• Services: Personal (checking, savings, loans) and business (checking, savings, loans) banking
• Assets: $2.83 billion
• Availability: Online and brick-and-mortar

Popular Bank

First opening its doors more than 60 years ago, Popular Bank is the U.S. mainland counterpart of Banco Popular de Puerto Rico, both of which are subsidiaries of the holding company Popular Inc.

• Branches:  It has 23 branches in New York, 12 in Florida, and four in New Jersey, for a total of 39
• ATMs: In its 39 branches and any ATMs in the Allpoint network
• States: Florida, New Jersey, and New York
• Services: Personal (checking, savings, mortgages) and business (checking, cash management, etc.) banking, treasury management, financing, investments, industry solutions, and the Popular Private Client
• Assets: $14.29 billion
• Availability: Online and brick-and-mortar

Rio Bank

Rio Bank first opened for business in 1985, primarily as a retail-oriented bank. After current president and CEO Ford Sasser joined in 1999, the organization shifted its focus to become a more commercial-oriented bank.

• Branches: Alamo Heights Banking Center (San Antonio, Texas), Brownsville Banking Center (Brownsville, Texas), Edcouch Drive-Up Services (Edcouch, Texas), Edinburg Banking Center (Edinburg, Texas), Elsa Banking Center (Elsa, Texas), Harlingen Banking Center (Harlingen, Texas), 23rd Street Banking Center (McAllen, Texas), Corporate Banking Center (McAllen, Texas), Jackson Banking Center (McAllen, Texas), McColl Banking Center (McAllen, Texas), Palmview Banking Center (Palmview, Texas), Rio Grande City Banking Center (Rio Grande City, Texas), Roma Banking Center (Roma, Texas), San Juan Banking Center (San Juan, Texas), Weslaco Banking Center (Weslaco, Texas), and Weslaco Banking Center East (Weslaco, Texas)
• ATMs: All 16 Texas branches, Y-Drive Inn (Edinburg, Texas), L&E Grocery (Weslaco, Texas), and any ATMs in the Chase Bank network
• States: Texas
• Services: Personal (checking, savings, CDs, IRA, credit cards, etc.) and business (checking, savings, CDs, cash management, credit cards, etc.) banking, lending services (personal and commercial loans), as well as trust and wealth management (personal trusts, investment management, etc.)
• Assets: $883.90 million
• Availability: Online and brick-and-mortar

Sunstate Bank

Sunstate Bank was originally founded as Sofisa Bank of Florida in 1999. Eight years later the organization changed its name to Sunstate Bank. The bank believes in “serving the Miami-Dade County community with a personal touch.”

• Branches: Coral Gables Branch (Coral Gables, Fla.), Falls Branch (Miami), and West Miami Branch (West Miami, Fla.)
• ATMs: All three branches and Publix supermarket locations
• States: Florida
• Services: Personal (savings, checking, money market, CDs, IRAs, credit cards, etc.), business (savings, checking, money market, CDs, loans, credit cards, merchant services, etc.), and international premier (savings, checking, money market, CDs, loans, credit cards, investment services, etc.) banking
• Assets: $549.58 million
• Availability: Online and brick-and-mortar

Texas National Bank

Originally charted as the First National Bank of Mercedes in 1920, the bank changed its name to Mercedes National Bank in 1985. In 2006 the organization was acquired by MNB Ventures and became Texas National Bank.

• Branches: Bullard Branch (Bullard, Texas), Jacksonville Branch (Main Branch) (Jacksonville, Texas), Lindale Branch (Lindale, Texas), Longview Branch (Longview, Texas), Lufkin Branc (Lufkin, Texas), Marshall Branch (Marshall, Texas), Rusk Branch (Rusk, Texas), Tyler – Grande Blvd. Branch (Tyler, Texas), Tyler – Troup Hwy. Branch (Tyler, Texas)
• ATMs: All nine Texas branches
• States: Texas
• Services: Personal (checking, savings, loans, credit cards, etc.) and business (checking, savings, loans, credit cards, treasury management, etc.) banking
• Assets: $841.16 million
• Availability: Online and brick-and-mortar

U.S. Century Bank

Founded in 2002, U.S. Century Bank places a strong emphasis on corporate and employee community involvement. It supports the First Generation Scholarship Program for students participating in Florida International University’s athletics programs and helped raise more than $77,500 for Castaways Against Cancer, in addition to donating time and energy to other charitable causes.

• Branches: Aventura Branch (Aventura, Fla.), Coral Gables Branch (Coral Gables, Fla.), Dadeland Branch (Miami), Doral Branch (Headquarters) (Miami), Hialeah Gardens Branch (Hialeah, Fla.), Hollywood Branch (Hollywood, Fla.), Bird Road Branch (Miami), Coral Way Branch (Miami), Milam Dairy Branch (Miami), and Miami Lakes Branch (Miami Lakes, Fla.)
• ATMs: All 10 Florida branches and any ATM in the Pulse network
• States: Florida
• Services: Personal (checking, savings, loans, international banking) and business (checking, savings, loans, merchant services, etc.) banking
• Assets: $2.46 billion
• Availability: Online and brick-and-mortar

Zapata National Bank

Originally founded in 1961, Zapata National Bank is the oldest bank in Zapata County, South Texas. The organization uses a combination of employee training, rigorous security standards, data encryption, and fraud detection to protect its customers from identity theft.

• Branches: Main Office (Zapata, Texas)
• ATMs: 7th and Hidalgo Blvd. (Zapata, Texas) and 2302 N. U.S. Hwy. 83 (Zapata, Texas)
• States: Texas
• Services: Personal (checking, savings, money market, loans) and business (checking, savings, loans, merchant services) banking
• Assets: $85.07 million
• Availability: Online and brick-and-mortar