US Bank Directory
Banks in Bay City, TX
5 FDIC-insured banks operate 5 offices in Bay City, Texas, and 3 credit unions have 5 offices.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026.
Bank branch map: Bay City
Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.
Short answer: 8 banks and credit unions operate 10 locations in Bay City, according to the FDIC and the NCUA. 9 of them have coordinates on record and are on the map. 4 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
9 locations on the map
Tap a cluster to zoom in
Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.
All banks and credit unions in Bay City
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: 5 banks share the most locations in Bay City, with 1 each. 5 banks have a single office in the city. Open any bank to see each address, today's hours where the bank publishes them and the phone number.
Baycel Credit Union Credit union · 3
Baycel Credit Union has 3 officees in Bay City, 4 across Texas. It is based in Bay City, TX and $90.4 million in assets on March 31, 2026, according to its NCUA call report. None of its 2 Bay City locations with published hours lists Saturday hours.
Who can join: see the credit union's site.
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Main Office main office2320 6Th St, 77414
All hours
Mon 8 am to 4 pm; Tue to Wed not published; Thu 8 am to 4 pm; Fri 8 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
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Matagorda County Credit Union3700 Avenue F, 77414
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Bchs Branch400 7Th St, 77414
All hours
Mon 7:30 am to 3:30 pm; Tue not published; Wed 7:30 am to 3:30 pm; Thu not published; Fri 7:30 am to 3:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
First National Bank Texas Bank · 1
First National Bank Texas has 1 branch in Bay City, 298 across Texas and 357 nationwide. FDIC records list its main office in Killeen, TX and show it operating since 1901. With $4.64 billion in total assets on June 30, 2026, it ranks No. 302 of 4,232 U.S. banks by total assets. The Heb - Bay City Banking Center - Rc 425 at 2700 7th St dates to 2012 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Heb - Bay City Banking Center - Rc 4252700 7th St, 77414
IBC Bank Bank · 1
IBC Bank has 1 branch in Bay City, 80 across Texas and 80 nationwide. FDIC records list its main office in Laredo, TX and show it operating since 1966. With $10.19 billion in total assets on June 30, 2026, it ranks No. 159 of 4,232 U.S. banks by total assets. The Bay City Branch at 1916 7th St dates to 1898 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Bay City Branch1916 7th St, 77414
Matagorda County Credit Union Credit union · 1
Matagorda County Credit Union has 1 office in Bay City, 3 across Texas. It is based in Bay City, TX and $36.7 million in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.
Who can join: see the credit union's site.
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Main Office main office3700 Avenue F, 77414
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Prosperity Bank Bank · 1
Prosperity Bank has 1 branch in Bay City, 388 across Texas and 354 nationwide. FDIC records list its main office in El Campo, TX and show it operating since 1949. With $43.88 billion in total assets on June 30, 2026, it ranks No. 54 of 4,232 U.S. banks by total assets. The Bay City North Branch at 1600 7th St dates to 1994 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Bay City North Branch1600 7th St, 77414
Texas Dow Employees Credit Union Credit union · 1
Texas Dow Employees Credit Union has 1 office in Bay City, 34 across Texas. It is based in Houston, TX and $5.10 billion in assets on March 31, 2026, according to its NCUA call report. It opens on Saturday.
Who can join: see the credit union's site.
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Tdecu-Bay City4205 7Th St, 77414
All hours
Mon to Fri 9 am to 5 pm; Sat 10 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
The First State Bank Bank · 1
The First State Bank has 1 branch in Bay City, 15 across Texas and 15 nationwide. FDIC records list its main office in Louise, TX and show it operating since 1956. With $895.2 million in total assets on June 30, 2026, it ranks No. 1,155 of 4,232 U.S. banks by total assets. The Bay City Branch at 3600 7th St dates to 2008 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Bay City Branch3600 7th St, 77414
Woodforest Bank · 1
Woodforest has 1 branch in Bay City, 214 across Texas and 743 nationwide. FDIC records list its main office in The Woodlands, TX and show it operating since 1980. With $8.98 billion in total assets on June 30, 2026, it ranks No. 181 of 4,232 U.S. banks by total assets. The 0328 Bay City Walmart Branch at 4600 7th St dates to 2006 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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0328 Bay City Walmart Branch4600 7th St, 77414
Join a credit union in Bay City
3 credit unions have 5 offices here: Baycel Credit Union, Texas Dow Employees Credit Union and Matagorda County Credit Union. Each office is listed above with the phone and the hours it filed with the NCUA (call report as of March 31, 2026). Who can join each one is on its own site; the credit unions in Bay City page has every office in the state's directory.
Banking in Bay City: the local picture
Short answer: 5 banks run 5 branches in Bay City according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.
Of the 5 banks, 0 have their main office in Bay City, 5 elsewhere in Texas, according to the FDIC.
The bank with the longest record here is First National Bank Texas, operating since 1901 according to the FDIC. In FDIC branch records, the longest-running branch is IBC Bank's office at 1916 7th St, dating to 1898; the newest is First National Bank Texas's at 2700 7th St, from 2012.
3 credit unions have 5 offices in Bay City, according to the NCUA. Who can join each one is on the credit unions page.
Of the 4 locations with published hours. 1 opens on Saturday. 6 locations have no published hours in these sources.
Credit unions open on Saturday in Bay City
Short answer: 1 of the 4 Bay City locations with published hours opens on Saturday, run by 1 institution.
- Texas Dow Employees Credit Union: 1 of 1 office (4205 7Th St: Saturday 10 am to 12 pm)
Credit union hours are the text each credit union filed with the NCUA, call report as of March 31, 2026; a day the filing does not mention is shown as not published, never as closed. Bank branches show hours only where the bank publishes them in a source this page uses; 6 of the 10 locations here have no published hours yet. The source and date sit under each office. Banks and credit unions often close on Federal Reserve holidays; call ahead.
Chase, Bank of America and other national banks
Which big national banks have branches in Bay City, and where the nearest one is if they do not.
Short answer: No branches in Bay City: Chase (nearest in Rosenberg, 41 mi), Wells Fargo (nearest in Lake Jackson, 30 mi), Bank of America (nearest in Rosenberg, 41 mi), PNC Bank (nearest in Lake Jackson, 29 mi), U.S. Bank (nearest in Houston, 61 mi), Truist (nearest in Sugar Land, 46 mi), Fifth Third Bank (nearest in Sugar Land, 47 mi), Huntington (nearest in Lake Jackson, 31 mi), Regions Bank (nearest in Rosenberg, 41 mi), TD Bank, BMO (nearest in Dallas, 268 mi).
| Bank | In Bay City | Nearest branch if none here |
|---|---|---|
| Chase | None | Rosenberg, 41 miles away |
| Wells Fargo | None | Lake Jackson, 30 miles away |
| Bank of America | None | Rosenberg, 41 miles away |
| PNC Bank | None | Lake Jackson, 29 miles away |
| U.S. Bank | None | Houston, 61 miles away |
| Truist | None | Sugar Land, 46 miles away |
| Fifth Third Bank | None | Sugar Land, 47 miles away |
| Huntington | None | Lake Jackson, 31 miles away |
| Regions Bank | None | Rosenberg, 41 miles away |
| TD Bank | None | none in Texas |
| BMO | None | Dallas, 268 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Bay City to the nearest branch in Texas.
What your savings could earn
National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.
Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.
| Offer | Bank | APY | Term | Minimum |
|---|---|---|---|---|
| Savings | CIT Bank | 3.75% | none | $5,000 |
| Savings | Barclays | 3.50% | none | $0 |
| Savings | Marcus by Goldman Sachs | 3.40% | none | $0 |
| CD | Synchrony Bank | 4.35% | 60 Months | $0 |
| CD | Marcus by Goldman Sachs | 4.35% | 24 Months | $500 |
| CD | American Express National Bank | 4.25% | 10 Months | $0 |
Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Bay City residents like anyone else.
Banks near Bay City
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are West Columbia (22 miles) and Brazoria (24 miles). Lake Jackson, 30 miles away, has the most banks nearby: 9.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in West Columbia, TX | 22 mi | 2 | 2 |
| Banks in Brazoria, TX | 24 mi | 2 | 2 |
| Banks in Wharton, TX | 25 mi | 4 | 6 |
| Banks in Palacios, TX | 25 mi | 2 | 2 |
| Banks in El Campo, TX | 25 mi | 5 | 6 |
| Banks in Needville, TX | 30 mi | 3 | 3 |
| Banks in Lake Jackson, TX | 30 mi | 9 | 9 |
| Banks in Clute, TX | 33 mi | 2 | 2 |
Bank branch openings and closings in Bay City
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Bay City between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Banks and credit unions based in Bay City
Short answer: 2 institutions have their main office in Bay City: Baycel Credit Union and Matagorda County Credit Union.
| Institution | Type | Total assets, March 31, 2026 | Offices here |
|---|---|---|---|
| Baycel Credit Union | Credit union | $90.4 million | 3 |
| Matagorda County Credit Union | Credit union | $36.7 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Bay City by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Bay City offices.
Short answer: Prosperity Bank is the largest bank with offices in Bay City, with $43.88 billion in total assets on June 30, 2026, No. 54 among U.S. banks by total assets. IBC Bank is second with $10.19 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Prosperity Bank | $43.88 billion | No. 54 | 1 | El Campo, TX |
| IBC Bank | $10.19 billion | No. 159 | 1 | Laredo, TX |
| Woodforest | $8.98 billion | No. 181 | 1 | The Woodlands, TX |
| First National Bank Texas | $4.64 billion | No. 302 | 1 | Killeen, TX |
| The First State Bank | $895.2 million | No. 1,155 | 1 | Louise, TX |
Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.
Banks in Bay City: FAQ
How many banks are in Bay City, TX?
Bay City has 5 banks with 5 branches and 3 credit unions with 5 offices, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Which bank has the most branches in Bay City?
Prosperity Bank, with 1. IBC Bank has 1 and Woodforest has 1.
Is there a Prosperity Bank in Bay City, TX?
Yes. FDIC data lists 1 Prosperity Bank branch in Bay City as of September 5, 2026. The address and directions are under Prosperity Bank above.
Is there a IBC Bank in Bay City, TX?
Yes. FDIC data lists 1 IBC Bank branch in Bay City as of September 5, 2026. The address and directions are under IBC Bank above.
Is there a Woodforest in Bay City, TX?
Yes. FDIC data lists 1 Woodforest branch in Bay City as of September 5, 2026. The address and directions are under Woodforest above.
Is there a Chase in Bay City, TX?
No. FDIC data lists no Chase branch in Bay City as of September 5, 2026. The nearest is in Rosenberg, about 41 miles away in a straight line.
Which banks in Bay City are open on Saturday?
Texas Dow Employees Credit Union publishes Saturday hours for one or more Bay City locations. The Saturday section above lists each one with its hours. 6 of the 10 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Bay City?
Baycel Credit Union and Matagorda County Credit Union have their main office in Bay City, according to the FDIC and the NCUA.
What is the oldest bank in Bay City?
First National Bank Texas has the longest record among banks with a branch here: the FDIC shows it operating since 1901.
Which credit unions can I join in Bay City?
Baycel Credit Union, Texas Dow Employees Credit Union and Matagorda County Credit Union have offices in Bay City. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Bay City in the past year?
FDIC branch records show no branch openings between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Where can I find more banks near Bay City?
Nearby cities with more banks include West Columbia, Brazoria, Wharton. West Columbia is 22 miles away with 2 banks.
How we build this page
Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.
| Data | Source | License | Updated | Data as of |
|---|---|---|---|---|
| FDIC-insured banks: branches, main offices, total assets, dates established | FDIC BankFind Suite API | Public data (U.S. government) | Monthly import | Sep 5, 2026 |
| Credit union offices, phones and hours as filed with the NCUA, total assets | NCUA call report data | Public data (U.S. government) | Quarterly import | Mar 31, 2026 |
| Map coordinates of 4 credit union offices whose NCUA record has none, from the office address | U.S. Census Bureau Geocoder | Public data (U.S. government) | With each NCUA import | Oct 19, 2026 |
| Savings and CD rates, national averages | Banrox Bank Rates | Banrox, from the banks' own rate pages and FDIC national rates | Weekly | see each rate |
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