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best regional banks in America

Some of the best regional banks in America include CFG Bank, Cross River Bank, The Federal Savings Bank, and Frost Bank. These banks are known for providing specialized financial services in their respective regions, offering personalized customer support and tailored banking solutions that cater to both individuals and businesses. With a strong focus on customer satisfaction, they provide a variety of banking products like savings accounts, loans, and business financing options.

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These regional banks stand out for their ability to combine traditional banking with modern technology. CFG Bank is recognized for its customer-friendly savings and investment products, while Cross River Bank is praised for its innovative digital banking services. The Federal Savings Bank has a strong reputation for mortgages, particularly for veterans, and Frost Bank excels in delivering tailored financial solutions with a focus on building long-term customer relationships. With their regional expertise and community focus, these banks provide value through both their customer service and product offerings.

  • CFG Bank
    CFG Bank

    CFG Bank - Banking Made Simple and Secure

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  • Cross River Bank
    Cross River Bank

    Cross River Bank - Innovative Banking, Seamless Service

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  • The Federal Savings Bank
    The Federal Savings Bank

    The Federal Savings Bank - Your Home, Our Priority

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  • Frost Bank
    Frost Bank

    Frost Bank - The Power of Partnership

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  • Huntington Bank
    Huntington Bank

    Huntington Bank - Welcome. We’re Glad You’re Here.

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  • NBKC
    NBKC

    NBKC - Customer service is our priority

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  • PNC Bank
    PNC Bank

    PNC Bank - For the achiever in you.

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  • Ridgewood Savings Bank
    Ridgewood Savings Bank

    Ridgewood Savings Bank - Serving Your Banking Needs Since 1921

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  • Spring Bank
    Spring Bank

    Spring Bank - Empowering Your Financial Future

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  • Texas Capital Bank
    Texas Capital Bank

    Texas Capital Bank - The Best Banking Experience

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best regional banks in America

1.

CFG Bank

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CFG Bank is known for providing personalized services and innovative solutions to individuals and businesses in the mid-Atlantic region. Based in Baltimore, CFG Bank specializes in savings accounts, CDs, mortgages, and commercial lending. It offers competitive rates and excellent customer service. Its focus on both personal and business banking ensures that clients get tailored financial solutions. CFG Bank is committed to maintaining a high level of customer satisfaction and providing a user-friendly online banking experience.

Pros

  • pros High interest rates
  • pros Great customer service
  • pros User-friendly
  • pros Low fees
  • pros Strong local presence

Cons

  • consLimited branch locations
  • cons Online-only options
  • cons High mortgage rates
  • cons Limited business loan options
  • cons Limited ATM network

2.

Cross River Bank

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Cross River Bank is a prominent regional bank with a reputation for offering high-quality financial services, including personal loans, credit cards, and business banking solutions. Based in Fort Lee, New Jersey, Cross River is a leader in fintech innovation and has partnerships with some of the most well-known financial institutions and fintech companies in the industry. It is a reliable partner for consumers and businesses looking for seamless banking services and cutting-edge technology in areas like payments, lending, and digital banking.

Pros

  • pros Fast loan processing
  • pros Strong digital platform
  • pros Flexible services
  • pros Business-focused
  • pros Innovative tech

Cons

  • consLimited physical branches
  • cons Strict credit requirements
  • cons Limited loan options
  • cons High fees for certain services
  • cons No in-branch support

3.

The Federal Savings Bank

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The Federal Savings Bank is a family-owned, community-focused bank that provides home loans, savings accounts, and business banking services. Based in Chicago, it offers a wide range of financial products tailored to meet the needs of individuals and small businesses. Known for its customer-centric approach and strong focus on home lending, The Federal Savings Bank offers competitive mortgage rates and a streamlined application process. Its personalized services have earned it a reputation as a trusted local institution.

Pros

  • pros Veteran-focused
  • pros Strong mortgage options
  • pros Competitive rates
  • pros Personalized service
  • pros Easy application process

Cons

  • consLimited branch network
  • cons Focused mainly on home loans
  • cons Strict eligibility for some loans
  • cons Limited product variety
  • cons High mortgage fees

4.

Frost Bank

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Frost Bank is a Texas-based regional bank with a reputation for excellent customer service and community involvement. It offers a comprehensive suite of personal and business banking services, including checking accounts, savings accounts, credit cards, loans, and wealth management. Known for its strong financial foundation and customer-first approach, Frost Bank provides both traditional banking services and innovative financial solutions. It has a robust online and mobile banking platform, making it easy for customers to manage their finances.

Pros

  • pros Excellent customer service
  • pros Comprehensive services
  • pros Strong reputation
  • pros Great financial tools
  • pros Community-focused

Cons

  • consHigh fees for non-customers
  • cons Limited national presence
  • cons High loan rates
  • cons Limited ATM access
  • cons Online banking could improve

5.

Huntington Bank

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Huntington Bank is one of the leading regional banks in the Midwest, offering a wide array of services, including retail banking, business banking, and wealth management. With its customer-friendly policies and community-focused services, Huntington Bank has become a favorite among families and small businesses. It provides an array of financial products, including checking accounts, savings accounts, mortgages, and commercial loans. Huntington Bank is recognized for its dedication to supporting its customers’ financial well-being and providing practical banking solutions.

Pros

  • pros Extensive branch network
  • pros Customer-first approach
  • pros Great rewards programs
  • pros Good mobile app
  • pros Competitive loan rates

Cons

  • consHigh fees
  • cons Limited physical locations outside the region
  • cons Overdraft fees
  • cons Higher interest rates on loans
  • cons Complex fee structures

6.

NBKC

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NBKC Bank is a customer-focused, full-service mortgage lender offering a seamless digital process. They excel in customer service and streamlined, online application processes.

Pros

  • pros Great customer service
  • pros Fast application process
  • pros Low fees
  • pros Competitive rates
  • pros Trusted by customers

Cons

  • consLimited physical branches
  • cons Not the best for first-time buyers
  • cons Strict credit requirements
  • cons Fees can add up
  • cons No in-person support

7.

PNC Bank

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PNC offers a broad range of business banking products including business checking, loans, lines of credit, and merchant services. Their business credit cards come with various perks.

Pros

  • pros Easy-to-navigate online banking
  • pros Good customer service
  • pros Variety of financing options
  • pros 24/7 support
  • pros Small business resources

Cons

  • consHigh fees
  • cons Requires business relationship for certain products
  • cons Limited cash deposit services
  • cons Can be slow in processing
  • cons Complicated fee structure

8.

Ridgewood Savings Bank

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Ridgewood Savings Bank is a regional bank located in New York, serving local communities with personalized banking services. It offers a range of financial products such as savings accounts, home loans, checking accounts, and business banking solutions. With a strong emphasis on customer service, Ridgewood Savings Bank focuses on maintaining strong relationships with its clients, providing solutions for everyday banking needs, as well as more complex financial services. Its community-oriented approach makes it a trusted institution for residents and businesses.

Pros

  • pros Strong local presence
  • pros Great mortgage options
  • pros High customer satisfaction
  • pros Personalized service
  • pros Low fees

Cons

  • consLimited geographic coverage
  • cons Limited ATM access
  • cons High loan rates
  • cons Smaller range of products
  • cons High fees for some accounts

9.

Spring Bank

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Spring Bank is a New York-based bank that prides itself on serving its local communities, offering a variety of products like checking accounts, savings accounts, loans, and mortgages. Known for its focus on financial inclusion, Spring Bank has earned a reputation for offering affordable and accessible financial services, particularly for low- and moderate-income individuals and families. It’s also involved in providing small business loans to help local entrepreneurs thrive. The bank offers a seamless digital banking experience, making it convenient for customers to access their accounts.

Pros

  • pros Community-focused
  • pros No fees
  • pros High customer satisfaction
  • pros Eco-friendly banking
  • pros Personalized service

Cons

  • consLimited national coverage
  • cons Limited product range
  • cons Few physical branches
  • cons Higher fees for certain services
  • cons Limited loan products

10.

Texas Capital Bank

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Texas Capital Bank is a prominent regional bank known for its focus on corporate banking, investment services, and personal banking. Based in Dallas, it provides a comprehensive suite of services, including commercial loans, wealth management, and business banking products. Texas Capital Bank is recognized for its exceptional customer service and its tailored financial solutions designed to meet the specific needs of its clients. It also offers competitive rates and modern banking tools, making it an excellent choice for individuals and businesses in Texas.

Pros

  • pros Great business banking
  • pros High customer satisfaction
  • pros Competitive loan rates
  • pros Private banking options
  • pros Strong local focus

Cons

  • consLimited to Texas region
  • cons High fees
  • cons Limited ATM access
  • cons Limited personal banking options
  • cons Slow loan processing

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