Independent Bank Mckinney, TX Rates and Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Independent Bank Mckinney, TX's savings rates are at 0.15%. Independent Bank Mckinney, TX's money market rates are at 0.00%. MonitorBankRates evaluates the financial stability of Independent Bank Mckinney, TX with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.30%. Rates were last updated on 03/04/2026.
Rate Updates and AvailabilityIndependent Bank Mckinney, TX money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Independent Bank Mckinney, TX? Share your experience about Independent Bank Mckinney, TX by leaving a review below, or read customer reviews before you decide to use Independent Bank Mckinney, TX. Independent Bank Mckinney, TX Texas RatioIndependent Bank Mckinney, TX's Texas Ratio is at 2.30%, which is considered excellent. The Texas Ratio for Independent Bank Mckinney, TX is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing. MonitorBankRates Rating
5.0
Exceptional
Out of 5.0 Stars
Independent Bank Mckinney, TX has earned a Smart Rating of 5.0 out of 5 stars. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Overall, Independent Bank Mckinney, TX is a exceptional bank worth considering, with an overall rating of 5.0 stars out of 5 stars. Overall Health & Safety Grade
A+
Exceptional Health
Score: 99/100
Independent Bank Mckinney, TX has earned an overall safety grade of A+. This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability. Current Interest RatesRate
APY/APR
vs. Avg
"N/A" indicates the product is not offered or the rate is unavailable. Rates Last Updated: 03/04/2026 
Independent Bank Mckinney, TX Savings Rates
Independent Bank Mckinney, TX Money Market Rates
Independent Bank Mckinney, TX Checking Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Independent Bank Mckinney, TX is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Independent Bank Mckinney, TX rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Independent Bank Mckinney, TX's official website for the most current offers and terms.
Bank Profile & OverviewIndependent Bank Mckinney, TX
7777 Henneman WayMckinney, TX 75070 Collin Established Date: 01/01/1913 FDIC Certificate #: 3076 Date of FDIC Deposit Insurance: 01/01/1934 Bank Holding Company: INDEPENDENT BANK GROUP INC How Many Domestic U.S. Offices? 101 How Many Branches are There? 0 Website: https://www.independent-bank.com
Is Independent Bank Mckinney, TX FDIC Insured? Yes
What is Independent Bank Mckinney, TX's Cert number? 3076
What is the maximum amount for insured deposits? $250,000 per holder, per account
Financial Health & AssetsMonitorBankRates Star Rating:
5.0 / 5.0 ★
Overall Health & Safety Grade:
A+ (99/100)
Texas Ratio:
2.30%
Return on Assets (ROA):
0.3436%
Return on Equity (ROE):
2.3700%
Non-Performing Loans (NPL):
0.22%
Total Assets:
$17,535,258,000
Total Deposits:
$15,244,551,000
Equity Capital:
$2,203,856,000
Net Income:
$-396,356,000
Headquarters:
Mckinney
Regulator:
FDIC
# of Offices:
101
Source: FDIC | Last Updated 12/31/2024
Frequently Asked Questions About Independent Bank Mckinney, TXHow do I open an account at Independent Bank Mckinney, TX?You can typically open an account at Independent Bank Mckinney, TX by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, Independent Bank Mckinney, TX provides a range of mortgage and home equity products. Is Independent Bank Mckinney, TX a safe place to deposit money?Yes, Independent Bank Mckinney, TX is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. Does Independent Bank Mckinney, TX offer online and mobile banking?Most modern institutions like Independent Bank Mckinney, TX provide digital access including online balance checks and transfers. Compare to Other Banks
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