Texas National Bank has been serving the Rio Grande Valley since 1920

Known originally as First National Bank of Mercedes in 1920, the bank changed its name in 1985 to become Mercedes National Bank. Business continued under that name until early 2006. In May 2006, MNB Ventures, Inc. purchased Mercedes National Bank. It was this purchase that brought the name change to Texas National Bank.

Texas National Bank prides itself on knowing the community – not just the needs of the community but the people living within that community as well. Texas National Bank utilizes state-of-the-art equipment, but it’s the people we hire who are able to make each visit a positive experience. Our staff is committed to treating customers right and providing them with the highest quality customer service.

Along with all of your basic banking needs, Texas National Bank also handles:

  • Commercial Lending
  • Mortgage Loans
  • Agricultural Loans
  • Consumer Lending

Texas National Bank is recognized as a minority owned financial institution. Being one of only sixteen Hispanic owned institutions throughout the United States.

Texas National Bank's Vision

Texas National Bank's vision is to be the first choice for clients seeking a service-based community bank in the Rio Grande Valley.

Texas National Bank's Mission

Texas National Bank strives to achieve a culture that focuses on our employees, customers, and our community by providing high quality banking services with an emphasis on personal banking. Our staff shall be dedicated and exceed customer expectations through knowledge, commitment and trust recognizing the ethical, social and economic implications on the communities we serve.

  • Affordable Banking & Building Savings – TNB establishes free, no-hassle, checking accounts for all customers – encouraging participation of the un- and underbanked communities 
  • Affordable Financing – TNB believes it is important to provide products that support borrower affordability and the probability of successful repayment.
  • Building Trust – By providing services in both English and Spanish, TNB aims to eliminate language barriers, deliver excellent customer service, and help our Spanish-speaking and immigrant communities build trust in the U.S. banking system. 
  • Giving Back – TNB is committed to connecting and supporting our local communities through community volunteerism, kind-hearted donations, and other charitable contributions. Most of which is for the benefit of underserved and underrepresented communities. 
  • Supporting Businesses – TNB helps local and minority-owned businesses and entrepreneurs ensure greater equality of opportunity by establishing good business relationships and providing reliable access to capital.

How to Support Our Mission



The Communities We Serve 

As a community bank, we value the communities we serve. We have a unique appreciation for our communities given our personal knowledge of the customers, strong local ties, and the community connections that bond us. As a result, we provide a personal touch, accessible and unparalleled customer service, and provide our customers with a rapid response to their financial needs. TNB provides innovative products that are delivered with integrity, respect, and a smile to our clients. TNB’s vision is to be known as the “Friendliest” community bank in the Rio Grande Valley (RGV). The RGV is TNB’s primary market area, and it consists of the four Texas counties of Cameron, Hidalgo, Starr, and Willacy 


CDFI Certified

In 2017, Texas National Bank was certified by the U.S. Department of the Treasury as a Community Development Financial Institution (CDFI).

What it means to be a CDFI:

Community Development Financial Institutions – or CDFIs – are mission-driven financial institutions that are dedicated to providing financial services to meet the needs of economically disadvantaged individuals within underserved communities.

CDFIs invest in local communities and the residents who live there by providing critically needed financing often unavailable from mainstream financial institutions.

CDFIs are certified by the U.S. Department of the Treasury’s Community Development Financial Institutions Fund – known as the CDFI Fund. In order to become a certified CDFI, the financial institution must: have a primary mission of promoting community development; provide financial products and services; serve one or more defined low- income target markets; maintain accountability to the community it serves; and be a legal non-governmental entity.

All CDFIs share a common mission of serving low-income communities. CDFIs are commonly loan funds, credit unions, community banks, or venture capital funds.

Certified CDFIs are part of a national network promoting economic growth in America’s underserved communities by financing businesses, creating jobs, and rebuilding neighborhoods. As a CDFI, Texas National Bank puts the community first and values local, economic growth.

From our CDFI welcome letter:

“You should take pride in your continued efforts and commitment to delivering financial solutions in these economically underserved areas. Your institution’s dedicated mission to providing opportunity in the face of ongoing obstacles to economic development in distressed communities is critically important, and every day communities across the country benefit from the products and services provided by CDFIs like you.”