Best Banks in Houston, TX

Compare 15 banks companies serving Houston, Texas. Average rating: 4.2/5.

15 Companies 15 Rated Payday: Legal

Texas Lending Regulations

Texas allows payday and auto title lending through the Credit Access Business model, which lacks state-level fee caps. Several cities have enacted local ordinances to limit loan amounts and rollovers. Consumers can file complaints with the Office of Consumer Credit Commissioner or the Attorney General.

Usury cap: 10% for written contracts (18% default); payday/auto title loans regulated as credit access businesses Agency: Texas Attorney General Consumer Protection Division

Top-Rated Banks

American First National Bank logo

American First National Bank

American First National Bank is a traditional bank offering retail and commercial banking services across multiple locations in Texas and Nevada, with online and mobile banking access.

4.2/5
Contact BBB:

Best for: Retail customers in Texas (Houston, Dallas, Plano, Arlington, Katy, Sugar Land areas) seeking traditional banking, Customers in Las Vegas or Pahrump, Nevada requiring local bank relationships

Bank of Houston logo

Bank of Houston

Bank of Houston is a locally-owned community bank offering personal and business banking services, including checking, savings, treasury management, and online account access.

4.2/5
Contact BBB:

Best for: Small business owners in the Houston area seeking personalized treasury management and business banking, Houston-area residents preferring local community banking with direct relationship managers

Central Bank logo

Central Bank

Central Bank Houston, TX — Houston-based independent bank chartered in 1956, offering personal and business banking with four local branches. Focused on...

4.2/5
Contact BBB:

Best for: Houston-based small business owners seeking personalized, local relationship banking with industry expertise, Local Houston residents wanting to support an independent community bank with four convenient branch locations

Cornerstone Capital Bank, Ssb logo

Cornerstone Capital Bank, Ssb

Cornerstone Capital Bank is a community-focused bank formed from the 2023 merger of Cornerstone Home Lending and Roscoe Bank, offering integrated mortgage, personal, and commercial banking services.

4.2/5
Contact BBB:

Best for: Customers seeking integrated mortgage and banking services in a single institution with community bank values, Small to mid-sized businesses needing comprehensive commercial banking and lending solutions

Global One Bank logo

Global One Bank

Unable to verify Global One Bank profile. Website currently inaccessible (HTTP 403 Access Denied). No public information available to confirm services or legitimacy.

4.2/5
Contact BBB:

Best for: Local banking with personal service, FDIC-insured deposits

Golden Bank, National Association logo

Golden Bank, National Association

FDIC-insured national bank established in 1985, serving Asian communities and businesses across Texas and California with full commercial banking services.

4.2/5
Contact BBB:

Best for: Asian-American and immigrant business owners seeking personalized banking relationships, Small business owners and entrepreneurs looking for SBA loan financing

All Banks in Houston (15)

American First National Bank logo

American First National Bank

American First National Bank is a traditional bank offering retail and commercial banking services across multiple locations in Texas and Nevada, with online and mobile banking access.

4.2/5
Contact BBB:

Best for: Retail customers in Texas (Houston, Dallas, Plano, Arlington, Katy, Sugar Land areas) seeking traditional banking, Customers in Las Vegas or Pahrump, Nevada requiring local bank relationships

Bank of Houston logo

Bank of Houston

Bank of Houston is a locally-owned community bank offering personal and business banking services, including checking, savings, treasury management, and online account access.

4.2/5
Contact BBB:

Best for: Small business owners in the Houston area seeking personalized treasury management and business banking, Houston-area residents preferring local community banking with direct relationship managers

Central Bank logo

Central Bank

Central Bank Houston, TX — Houston-based independent bank chartered in 1956, offering personal and business banking with four local branches. Focused on...

4.2/5
Contact BBB:

Best for: Houston-based small business owners seeking personalized, local relationship banking with industry expertise, Local Houston residents wanting to support an independent community bank with four convenient branch locations

Cornerstone Capital Bank, Ssb logo

Cornerstone Capital Bank, Ssb

Cornerstone Capital Bank is a community-focused bank formed from the 2023 merger of Cornerstone Home Lending and Roscoe Bank, offering integrated mortgage, personal, and commercial banking services.

4.2/5
Contact BBB:

Best for: Customers seeking integrated mortgage and banking services in a single institution with community bank values, Small to mid-sized businesses needing comprehensive commercial banking and lending solutions

Global One Bank logo

Global One Bank

Unable to verify Global One Bank profile. Website currently inaccessible (HTTP 403 Access Denied). No public information available to confirm services or legitimacy.

4.2/5
Contact BBB:

Best for: Local banking with personal service, FDIC-insured deposits

Golden Bank, National Association logo

Golden Bank, National Association

FDIC-insured national bank established in 1985, serving Asian communities and businesses across Texas and California with full commercial banking services.

4.2/5
Contact BBB:

Best for: Asian-American and immigrant business owners seeking personalized banking relationships, Small business owners and entrepreneurs looking for SBA loan financing

Lone Star Bank logo

Lone Star Bank

Lone Star Bank is a Texas-based FDIC-insured bank offering personal and business checking, savings, CDs, IRAs, and mortgage refinancing through online and mobile platforms.

4.2/5
Contact BBB:

Best for: Texas-based small business owners needing business checking with local banking relationships, Consumers prioritizing FDIC insurance and traditional bank safety over high interest rates

Southwestern National Bank logo

Southwestern National Bank

Southwestern National Bank is a regional business-focused bank headquartered in Houston, TX, offering digital banking, treasury management, and traditional banking services across Texas.

4.2/5
Contact BBB:

Best for: Small to mid-sized business owners seeking personalized banking relationships in Texas, Companies requiring treasury management and cash flow optimization services

Stellar Bank logo

Stellar Bank

Texas-based commercial bank offering business checking, savings, loans, and online banking with emphasis on local relationships and personalized service.

4.2/5
Contact BBB:

Best for: Texas-based small to mid-sized businesses seeking relationship-driven commercial banking, Business owners who value local decision-making and personalized banker relationships

Texas Gulf Bank, National Association logo

Texas Gulf Bank, National Association

Independent community bank established 1913 serving Texas Gulf Coast with personal banking, business lending, and wealth management across Harris, Galveston, and Brazoria counties.

4.2/5
Contact BBB:

Best for: Small to medium-sized businesses in Texas Gulf Coast area seeking flexible commercial and working capital loans, Individuals and families in Harris, Galveston, and Brazoria counties preferring personal banking relationships with local decision-makers

Unity National Bank of Houston logo

Unity National Bank of Houston

Unable to verify current services. Website returns 403 Forbidden error, preventing access to company information, products, and operational details needed for accurate profiling.

4.2/5
Contact BBB:

Best for: Local banking with personal service, FDIC-insured deposits

Wells Fargo Bank South Central, National Association logo

Wells Fargo Bank South Central, National Association

Wells Fargo Bank South Central is a major national bank offering checking, savings, credit cards, mortgages, personal loans, and auto loans through online and branch banking.

4.2/5
Contact BBB:

Best for: Customers seeking a single financial institution for multiple banking products (checking, savings, loans, mortgages), First-time homebuyers and students looking for specialized account programs and educational resources

Agility Bank, National Association logo

Agility Bank, National Association

FDIC-insured national bank headquartered in Houston specializing in business and personal banking with 100% deposit reinvestment into local small and mid-sized businesses.

4.1/5
Contact BBB:

Best for: Houston-area small business owners seeking personalized lending and banking services, Entrepreneurs who value local community reinvestment and MDI banking principles

Gulf Capital Bank logo

Gulf Capital Bank

Gulf Capital Bank is a Houston-based community bank offering personal and business checking, savings, money market, and CD products with a focus on local relationship banking.

4.1/5
Contact BBB:

Best for: Houston-area small business owners seeking relationship-based commercial banking and SBA loan options, Individuals and families in Houston prioritizing local bank ownership and transparent banking practices

Integrity Bank Ssb logo

Integrity Bank Ssb

FDIC-insured community bank headquartered in Houston offering digital banking, business loans, and credit cards with emphasis on local decision-making and relationship-based service.

4.1/5
Contact BBB:

Best for: Houston-area business owners seeking relationship-based lending with local decision-makers, Customers who prioritize community-focused banking and local investment