Best Banks in Texas: CRA Ratings, Financials & Complaints
June 2026 · 5 min read · Data from FDIC BankFind and FFIEC CRA records
Texas has one of the most active banking markets in the US — driven by the state's large population, diversified economy, and growth in both metro and rural areas. There are over 400 FDIC-insured banks headquartered in Texas, ranging from community banks serving small towns to large regional institutions competing nationally.
This guide covers the largest Texas-headquartered banks with their current CRA ratings, asset size, and what each is known for. Note that major national banks like Chase and Bank of America operate extensively in Texas but are not headquartered here — see the full Texas bank list for all institutions.
Largest Texas-headquartered banks by CRA rating
| Bank | City | Assets | CRA Rating |
|---|---|---|---|
| Prosperity Bank Community focused; strong rural Texas presence | El Campo, TX | $43.6B | Satisfactory |
| Texas Capital Bank Commercial banking; strong business lending | Dallas, TX | $33.2B | Satisfactory |
| First Financial Bank West Texas community banking since 1890 | Abilene, TX | $15.3B | Satisfactory |
| Amarillo National Bank CRA Outstanding — one of few TX banks to earn top rating | Amarillo, TX | $10.2B | Outstanding |
| Stellar Bank Houston-focused community bank | Houston, TX | $10.9B | Satisfactory |
| International Bank of Commerce South Texas and US-Mexico border specialist | Laredo, TX | $9.9B | Satisfactory |
What to look for in a Texas bank
CRA rating
The Community Reinvestment Act rating reflects how well a bank serves low- and moderate-income communities in its assessment area. Most large banks earn "Satisfactory" — meaning they meet CRA requirements but don't exceed them. Amarillo National Bank is one of the few Texas banks to earn "Outstanding." For community-minded banking, this is a meaningful signal.
Consumer complaints
Larger banks naturally receive more complaints in raw numbers. When evaluating institutions, look at complaints per $1B in assets rather than raw counts. You can browse CFPB complaint data for Texas banks →
Financial health
All FDIC-insured banks are covered up to $250,000 per depositor per ownership category. For additional peace of mind on financial stability, Bank Scorer shows ROA (return on assets) and Tier 1 capital ratios on each bank's profile page. See Is my bank financially safe? for a guide to interpreting these numbers.
Texas banking landscape
Texas has the second-most FDIC-insured banks of any state, after Illinois. The state has a strong tradition of community banking — many Texas banks have operated continuously for over 100 years, serving agricultural and ranching communities before expanding to metro areas.
The Dallas-Fort Worth and Houston metro areas have the densest concentration of Texas-headquartered banks. The Rio Grande Valley — anchored by banks like International Bank of Commerce in Laredo — represents a distinct market with significant cross-border commerce.
Browse all Texas banks on Bank Scorer
CRA ratings, financials, CFPB complaints, and branch data for every FDIC-insured bank in Texas.