Parity is an advantage not available to national banks. States have traditionally led the way in new innovations for banks. Some examples include checking accounts, ATM's, and limited liability banks. The assessment costs of state banks are lower than those of national banks. Schedule applies only to banks on a 12 month exam cycle.
Corporate fees are generally comparable to national bank application fees.
The Department has been a leader in the development of new processes in bank supervision and regulation in order to provide for the most efficient use of resources and to keep costs low. The Department's web site has all examination procedures and policies available for review and downloading. New initiatives currently in development include electronic payment of assessments, application filings, and document imaging and retrieval. Return to Quick Links at the Top of the Page Modern Corporate Governance Texas has some of the most modern corporate governance statutes thus providing increased flexibility.