Texas Regional Bank

Texas Regional Bank (TRB) is a Texas community bank that lends on commercial real estate, with construction, development, and permanent financing for businesses, developers, and investors, underwritten and approved locally.

Construction financing is a short-term loan for ground-up commercial projects, interest-only during construction and then repaid or converted into permanent financing, with draw schedules matched to project milestones; the bank names office buildings, retail centers, and multifamily among target projects. Development financing covers land acquisition, site preparation, infrastructure improvements, entitlement costs, residential projects, and mixed-use developments. Permanent financing replaces short-term construction or bridge debt once a property is stabilized and producing income, with fixed or variable terms, for office, retail, apartment, and industrial property.

The bank also offers residential mortgages and one-time close home construction loans, lot and acreage loans, business and consumer lending, insurance products through its insurance team, and trust and wealth management through TRB Wealth Management, LLC, a registered investment adviser with the SEC. In 2024 it established TRB Capital Markets by acquiring Estrada Hinojosa, which operates as its municipal advisory division.

Rates, fees, and terms are not published; all loans require a written application, underwriting, and credit approval. Lending, insurance, and wealth services sit in separate entities, so confirm which one holds the relationship.