At a glance
From its website, read 2 Nov 2026Greater State Bank is a bank or thrift based in Mcallen, Texas. Its website describes auto loans, commercial real estate loans, equipment loans and 3 other loan types. Where it lends: South Texas, including the Rio Grande Valley. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Toll-free | (800) 217-8928 source |
|---|---|
| Main | (956) 687-4782 source |
| Phone | (800) 422-7118 source |
| Apply online | Page with the application link |
| Website | greaterstate.bank |
| Office (official list) | 3300 N 10TH ST, Mcallen, TX 78501 |
What their website says about applying
You can apply for a VA home loan through a lender who participates in the VA home loan program. Here at Greater State Bank, we make it simple to begin the process with our experienced and knowledgeable lender.
sourcecomplete our easy application process and come to the dealership ready to pay for the car you want.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Who qualifies, in their words
- Minimum credit score: 620
Part of your eligibility for the VA home loan program is a minimum credit score of 620.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 5 Jun 2026 |
| RSSD ID | 518877 |
| Address | 3300 N 10TH ST, Mcallen, TX 78501 Directions (Google Maps) |
| Website | greaterstate.bank |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. Loan amounts are not stated on the pages fetched. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Get on the road faster with a car loan from Greater State Bank. | source |
| Commercial real estate loans | — | Greater State Bank can help your business build or purchase the perfect retail, commercial or industrial space. | source |
| Equipment loans | — | Whether your business needs inventory, vehicles, or other types of equipment to succeed, Greater State Bank can provide the business loan you need at a competitive rate. | source |
| Home mortgages | — | Purchasing a home is an exciting milestone, but it can feel overwhelming. | source |
| Personal / consumer loans | — | Every now and again, we run into expenses that are just a little bit beyond our checkbook. | source |
| Small-business loans | — | A Greater State Bank business line of credit provides the flexibility that a regular business loan does not. | source |
Loan sizes
No amounts stated on the pages we read.
Service area
South Texas, including the Rio Grande Valley
Serving the people of South Texas, with our GREATER services and Genuine Hometown Banking.
source
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Apply Now
source
Pages read (7)
- https://www.greaterstate.bank/
- https://www.greaterstate.bank/personal/loans/
- https://www.greaterstate.bank/business/loans/
- https://www.greaterstate.bank/personal/veterans-loans/
- https://www.greaterstate.bank/about/
- https://www.greaterstate.bank/about/contact/
- https://www.greaterstate.bank/business/merchant-services/
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home mortgages?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your commercial real estate loans and equipment loans?
Their website does not state a rate for this. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - How long can I take to repay?
No repayment terms are stated on their website. - Do you offer down-payment help, and is a homebuyer education course required?
CDFI home loans often come with homebuyer education or down-payment help; their website does not say. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
Branches and size
FDIC, 30 Jun 2026On file with the FDIC as Greater State Bank (FDIC cert 31762). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $180.2 million (as of 30 Jun 2026) |
|---|---|
| Offices | 6 (as of 30 Oct 2026) |
Offices by state and county (6)
Texas (6 offices)
- Brooks County (1): 131 E Rice St, Falfurrias 78355
- Hidalgo County (4): 3300 N 10th St, Mcallen 78501 (main office); 118 North D. Salinas Boulevard, Donna 78537; 2107 S Mccoll Rd, Edinburg 78539; 255 N. Texas Blvd, Weslaco 78596
- Jim Hogg County (1): 412 N Smith Ave, Hebbronville 78361
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026Figures from the Call Report filed by Greater State Bank (RSSD 518877, FDIC cert 31762). Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $143 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 13.5% from $126 million on 30 Jun 2025 |
| Total assets | $180.2 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $27.5 million | 19.3% |
| Home equity lines of credit | $1.6 million | 1.2% |
| Commercial real estate, construction and multifamily | $76.6 million | 53.6% |
| Commercial and industrial (business) loans | $25.9 million | 18.1% |
| Farmland and farm production loans | $9.6 million | 6.7% |
| Consumer loans (credit cards, auto, other) | $1.4 million | 1.0% |
| All other loans and leases | $316,000 | 0.2% |
Within consumer loans: auto loans $86,000.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 21 loans $996,000 | 221 loans $6.2 million |
| $100,001 to $250,000 | 49 loans $6.2 million | 43 loans $5.6 million |
| $250,001 to $1 million | 67 loans $24.7 million | 31 loans $9.3 million |
| All small business loans | 137 loans $31.9 million | 295 loans $21.1 million |
Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)
| Original loan amount | Secured by farmland | Farm production |
|---|---|---|
| Up to $100,000 | 12 loans $420,000 | 3 loans $21,000 |
| $100,001 to $250,000 | 5 loans $696,000 | none reported |
| $250,001 to $500,000 | 5 loans $1.6 million | none reported |
| All small farm loans | 22 loans $2.7 million | 3 loans $21,000 |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Median SBA 7(a) loan it approved, FY2020–FY2026 | $270,000 (29 loans) | All 7(a) lenders in Texas: $347,900. Larger than the median loan of 71% of the 97 other certified CDFIs with 10 or more 7(a) loans. |
| SBA approvals, FY2023–24 → FY2025–26 | 13 → 6 | Rank among the 10 certified CDFIs in Texas with SBA approvals in either period: 4 → 4. |
| Total assets (Call Report, 30 Jun 2026) | $180.2 million | Larger than 25% of the 12 other certified banks and bank holding companies in Texas (median $547.8 million). |
| Loans as a share of assets | 79% | Median of the same 12 banks and bank holding companies: 59%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $126 million → $143 million (+14%) | Median change of 12 other certified banks and bank holding companies in Texas: +6%. Rank by loans held among these 13: 9 → 9. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Median SBA 7(a) loan | certified CDFIs with 10+ 7(a) loans, nationwide | 97 | larger than 71% |
| SBA approvals then vs now | certified CDFIs in Texas with SBA approvals FY2023–2026 | 9 | rank 4 → 4 of 10 |
| Call Report total assets | other certified banks and bank holding companies in Texas | 12 | larger than 25% |
| Loans held then vs now | certified banks and bank holding companies in Texas reporting both dates | 12 | rank 9 → 9 of 13 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 29 SBA-backed approvals for Greater State Bank in fiscal years 2020–2026 (October 2019 to September 2026):
- 29 7(a) loans as the lender: $10.9M in total (gross amount approved), median $270,000
By fiscal year: FY2020 1 · FY2021 3 · FY2022 6 · FY2023 9 · FY2024 4 · FY2025 3 · FY2026 3.
What actually happened
- Size of its 7(a) loans: half were between $150,000 and $500,000, median $270,000 (29 loans)
- Term of its 7(a) loans: median 120 months (10 years) (29 loans)
- Fixed or variable: 52% of its 7(a) loans had a fixed rate (29 loans)
- Young businesses: 32% of its 7(a) loans went to a startup or a business two years old or less (28 loans with an answer)
Descriptive only: what the SBA file records for loans this lender approved in fiscal years 2020–2026. Each figure covers at least 10 loans; with fewer we show nothing. It is not an offer, not the rate or term you would get, and says nothing about your chance of approval.
By program
- 7(a) SBA Express (21, 72%)
- 7(a) standard (7, 24%)
- 7(a) working-capital and trade lines (1, 3%)
Borrower industries
NAICS sector, 3 or more loans.
- Accommodation and food services (6)
- Health care and social assistance (5)
- Construction (4)
- Transportation and warehousing (4)
- Other services (except public administration) (3)
How this lender was matched in the SBA files: FDIC cert 31762, found through the RSSD ID on the CDFI Fund list (SBA lists “Greater State Bank”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. Greater State Bank may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Mcallen and Texas
- Greater State Bancshares Corp.Bank holding company · Mcallen, TXOfficial list only
- Affordable Homes of South Texas, Inc.Loan fund · McAllen, TXHome repair / improvement loans, Home mortgagesVerified
- BORDERPLEX COMMUNITY CAPITAL, INCLoan fund · El Paso, TXCommercial real estate loans, Equipment loans, Microloans, Small-business loansVerified
- Border Federal Credit UnionCredit union · Del Rio, TXAuto / vehicle loans, Personal / consumer loansVerified
- Business Investment GrowthLoan fund · Austin, TXMicroloansVerified
- Business and Community Lenders (BCL) of TexasLoan fund · Austin, TXCommercial real estate loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
Work at Greater State Bank? Link to this page
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