Biggest Rural Banks in the Philippines, as of 2015

See the latest list! Top Rural Banks in the Philippines

Here below is a partial list of the Biggest Rural Banks in the Philippines, as of March 2015:

   2015 Ranking

1.  One Network Bank (ONB), A Rural Bank

One Network Bank, with its rapid growth rate and large branch network, has become the No. 1 rural bank in the Philippines. It will surely grow by leaps and bounds as it leverages the resources of BDO Unibank, the biggest bank in the Philippines, which signed an agreement to acquire ONB in December 2014.

Head Office:
ONB Center, KM 9, Sasa
Davao City
Hotline: (082)-233-7777

– Total Assets as of June 2014: 26.5 billion
– Capital as of June 2014: more than 4 billion
– Capital adequacy ratio: 17%
– Total loan portfolio: 20 billion
– Number of branches: 102
– Number of employees: 1,481

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Based on 2013 annual report on
– Total assets as of December 2013: 25.7 billion
– Total deposits as of December 2013: 18 billion
– Total loan portfolio as of December 2013: 18.7 billion
– Non-performing loan ratio: 2%
– Return on Assets: 3%
– Return on Private Investment: 35%
– Risk-based capital adequacy ratio: 18%
(BSP requires a minimum CAR of 10%)
– Number of branches: 98
– Number of ATMs: 143
– Number of Employees: 1,480

– Opened its first branch outside Mindanao in 2012, in Makati
along Pasong Tamo Extension, near corner with EDSA
– ONB arose from the consolidation in 2004 of 3 rural banks: Network Rural Bank (Davao), Rural Bank of Panabo and Provident Rural Bank of Cotabato
– Chairman is Victor A. Consunji
– President and CEO of ONB is Alex V. Buenaventura

– Offers PeraDala foreign and local remittance service
Remittance tie-ups with:
BDO Remit
Asia United Bank Gintong Hatid
PNB Remittance
RCBC TeleMoney
BPI BPInoy Remittance
DBP EC Remit
Globe GCash
MyRemit, A Kapamilya Service of TFC
XPress Money
Cebuana Lhuillier

– Offers PeraBayad bills payment service:
PLDT, SmartBro, Smart, Globe, Bayan Telecommunications, Innove Communications
SSS, Philhealth, Ateneo De Davao, Davao Doctors College Inc., Mountain View College

2. Bank of Makati, A Rural Bank 

(Update Apr 22, 2015):  Bank of Makati has become a thrift bank or savings bank. It started operating as Bank of Makati (A Savings Bank) Inc. on April 15, 2015.

No. 44 Sen. Gil Puyat Avenue
Makati City 1234
Trunkline: (02) 889-0000
Hotline: (02) 889-0000 loc. 902
Facebook page:

– Total assets as of December 2014: 26.334 billion
– Total deposits as of December 2014: 16.402 billion
– Capital Stock as of December 2014: 2.763 billion
– Total Stockholders Equity as of December 2014: 5.772 billion
– Retained Earnings as of December 2014: 3.043 billion
– Gross Total Loan Portfolio as of December 2014: 19.287 billion
– Gross Non-performing loan ratio: 15.08%
– Net Non-performing loan ratio: 10.05%
– ROE as of December 2014: 3.51%
– Total capital adequacy ratio: 17.52%
– Tier 1 capital adequacy ratio: 17.02%
– Compliance with 8% Micro and Small Enterprises Law: 30.2%
– Compliance with 2% Medium Enteprises Law: 3.08%
– Number of branches: 19 branches and 24 loan centers
– Numner of microfinance-oriented branches in Metro Manila: 13
– Founded in July 1956
– Started operations in September 1956
– Changed ownership in October 2001
– Chairman is Thomas C. Ongtenco
and president is Ma. Rodora E. Banares

3.  CARD Bank Inc., A Microfinance Oriented Rural Bank

20 M. L. Quezon St., City Subdivision
San Pablo City, Laguna
Tel: (63)(049) 562-4309

– Member of the 8-institution CARD MRI
– Sister institution of Santo Tomas, Batangas-headquartered
savings bank CARD SME Bank

– Total Assets as of January 2015: 6.18 billion
– Return on Equity: 37.63%
– Return on Assets: 7.6%
– Number of Savers and other Clients: 1,395,190
– Number of Clients with Loans: 525,993
– Loan Repayment Rate: 98.98%
– Number of Employees: 2,392
– Number of Branches: 59

– Remittance tie-ups:
Xpress Money

4.  East West Rural Bank, Inc. 
A subsidiary of East West Banking Corp.
      (Formerly Green Bank Inc.)
+63 917-3116411
+63 932-8578397
+63 918-9930270
+63 85 342-2911
Customer Service Email:
Mailing Address:
East West Rural Bank, Inc.
#360 Dr. Sixto Antonio Avenue, Brgy. Caniogan
Pasig City, 1606 Philippines
– Estimated Total Assets: 3 billion
– East West Banking Corp. acquired Green Bank Inc. (Rural Green Bank of Caraga) in 2011 and was renamed EastWest Rural Bank in November 2013 after Green Bank merged with East West-acquired bank Finman Rural Bank of Pasig.

– Number of branches: 47

   9 in Luzon
   14 in Visayas
   24 in Mindanao
– President and CEO is Elpidio F. Masbad III

5.  BOF, Inc. (A Rural Bank)

(formerly Bank of Florida, A Rural Bank)

Head office:
McArthur Highway, Dolores
San Fernando City, 2000 Pampanga

(045) 963-5288 to 90
(045) 961-7079
(045) 963-5188 to 89
Facebook page:

– Total assets as of January 2014: More than 2.6 billion
– Number of Branches: 15
– BOF’s Facebook page says BOF is the Top Rural Bank in Region 3
(Pampanga, Bulacan, Tarlac)
– Consolidated with Bank of Lubao, A Rural Bank in January 2014

– Chairman Emeritus is Ladislao S. David
– Chairman and President is Teresa David-Carlos

– BOF is a subsidiary of House of David Investment and Management Corp.
– BOF’s sister companies are:
House of David Realty and Development Corp.
Mary the Queen Academy of Pampanga Inc.
Mary the Queen College of Pampanga Inc.
D.A. Market Securities Inc.

– Deposit products are called:
Apple Kiddie Savings Account
Banana Easy Savings Account
Orange Premium Checking Account
Mango Prime Time Deposit Account

6. Insular Bank, A Rural Bank
Head Office:
Ground Floor, Net Plaza, 31st Street
Bonifacio Global City, Taguig, Metro Manila
Phone: +63(2) 804-1351 to 52
Total Assets as of December 2013: 2.139 billion
Total Deposits: 1.294 billion
Total Loan Portfolio: 1.319 billion
– Chairman emeritus is Atty. Augusto A. Martirez
– Chairman is Jaime J. Martirez
– President is Reynaldo J. Martirez
7.  Rang-ay Rural Bank
Head Office:
 Nisce-Querol Building, No. 67 Gov. Luna St.
 San Fernando City, La Union 2500
 Phone: 072-242-5661 to 63 / 700-5660 to 61
– Total Assets as of December 2014: 2.05 billion
– Biggest Rural Bank in the Ilocos and Cordillera regions
– Number of branches: 25
– Has BSP-approved branch openings in 2015
– Offers loan programs:
   Pabahay Housing Loan
   Barangay Loan
   OFW Loan
   Ginto Loan
   DepEd Teacher Loan
   2-Year SSS Pensioner Loan
   Salary Loan
   Multi-Purpose Loan
   Farmer Loan
   SME Business Loan
   Motor Vehicle Acquisition Loan
   Talek Microfinance
– Remittance tie-ups:
  BDO Remit
  Western Union
– Bills payment though ECPay
– Chairman is Ives Q. Nisce

8.  Cantilan Bank, Inc. (A Rural Bank)

Corporate Headquarters:
Orozco St., Magosilom, Cantilan
Surigao del Sur
Phone:  +63 86 2125056 to 60

– Total Assets as of 2013: 1.69 billion
– Number of branches: 22
plus 15 micro-banking offices and 14 atms
– Locations: Caraga, Compostela Valley, Davao del Norte, Davao Oriental, Southern Leyte

– BSP CAMELS rating: 4 out of 5 (CAMELS means Capital, Asset Quality, Management, Earnings, Liquidity and Sensitivity to Market Risks)
– Valued Partner in Housing, Home Guaranty Corp., 2014
– Distinguished Partner, Small Business Corp. (2013)
– 3rd Most Oustanding Rural Bank in the Philippines (Landbank CFI Awards 2013)
– No. 1 Corporate Taxpayer in Surigao del Sur and one of the top four corporate taxpayers in the Caraga Region, awarded in August 2013 by the BIR.

– Chairman is Lt. Gen. William K. Hotchkiss III (AFP, Ret.)
– President is Brig. Gen. Charles Y. Hotchkiss (AFP, Ret.)

9.  Bangko Kabayan (BK), A Rural Bank
 Head office:
 Santiago Street, Poblacion
 Ibaan, Batangas
 Tel: (043) 311 1420
 Facebook Page:
– Total Assets:  more than 1 billion
Its profile webpage states that it has resources of over a billion pesos and ranks among the top 3% of rural banks in the Philippines.
– Bangko Kabayan was the Best in Region IV-A in LANDBANK’s 2014 Gawad CFI (Countryside Financial Institution Awards program. BK has won the award for 6 consecutive years.
– Bangko Kabayan has signed a partnership agreement with Home Guaranty Corporation (HGC) in May 2014 to offer Microfinance and Small Housing Loan programs.
– Bangko Kabayan’s managing director Teresa Ganzon, who with her husband, has a controlling interest in Bangko Kabayan Inc. in 1989, is a leader in the Economy of Communion, an international network of more than 800 businesses committed to putting into practice the Catholic social doctrine.
– One of the Top 5 Taxpayers in Region IV-A
– Offers Housing Loan to OFWs (300,000 to 3 million)
– Offers 5-year Time Deposit with Free Insurance
  (minimum of 100,000 for Sure Save and
   minimum of 50,000 for OFW “Our Future Wealth” Deposit)

10.  Katipunan Bank (ZN), Inc. A Rural Bank

Head office:
Quezon Avenue corner Aguilar St.
Miputak, Dipolog City

Phones: 0917-636-MY-KB (6952)
(065) 212-7647

Facebook page:

– Total Assets: More than 1 billion pesos
– Its website says it is ranked 18th out of more than 600 rural and cooperative banks in

the Philippines
– CAMELS rating: 4 out of 5
– Offers deposit products with free insurance

11.  Tanay Rural Bank
Head Office:
F.T. Catapusan St., Plaza Aldea
Tanay, Rizal
Phone: (02)654-5335 to 44
Facebook page:
– Number of offices: 11
– Total Assets as of September 2010: 1.026 billion
– President is Michael A. Bautista
12.  Rural Bank of Porac (Pampanga), Inc.
(Main Office):
Gen. Luna St., Cangatba
Porac, Pampanga
Phones: (045) 329 2505 / 436 7740
        (045) 329 2407 / 329 2408
Customer Hotline: 045) 624-6177
Facebook page:
– Number of branches: 11 (Pampanga and Bulacan)
– Authorized capitalization: 150 million
– Total paid-up capitalization: 120 million common stocks held by 66 private stockholders
– President and CEO is Lourdes Connie C. Tayag
13.  Guagua Rural Bank  
Head office:
Plaza Burgos, Guagua, Pampanga
Hotline for Deposits and Other Products & Services:
         (045) 963-5177 / 09228289846 / 09237304307
Hotline for Loans:    (045) 963-7267 / 09228289864
– Number of offices: 17
– One of the first 10 rural banks to open in the Philippines
– Website says GRB is one of the top rural banks in capital and in resources
– Website says GRB’s financial standing was a major factor in BSP’s approval for a GRB branch in Quezon City, which is a highly restricted area for bank branches
– President is Jose Blas L. Carlos, Jr.
14.  Rural Bank of Tanza (Cavite), Inc.

(also known as Bangko Mabuhay)

A. Soriano St. (Hi-way)
Daang Amaya, Tanza, Cavite

Phones: (046) 489-2001-2004; 489-2010-2013

– Total Assets as of December 2012: 1.015 billion
– Honored by the BSP in September 2014 (Business Expectations Survey in Region IV)
– Member of the Home Guaranty Corp.’s
Bankers-Builders-Buyers plus Brokers Program
– Number of offices: 8
– Pending consolidation with Rural Bank of Teresa (Rizal) Inc.

– President is Edwin S. Fojas

15.  Rural Bank of Camalig (Albay), Inc.
  (also known as Camalig Bank)
Corporate Office:
2nd Flr. Camalig Bank Bldg., 114 Peñaranda St., Legazpi City
Phones: (052) 480-0801 / (052) 480-0810
Head Office:
114 Penaranda St., Legazpi City
Phones: (052) 480-7083 / (052) 480-7278
– Total Assets: 924.9 million as of 2013
– Total Deposits: 607.9 million as of 2013
– Return on Equity: 9%
– Return on Assets: 2%
– Number of offices: 13
– Offers 6 types of deposit products and 14 loan products
– President is Jose Misael B. Moraleda

Previous rankings of rural banks are here:
Biggest Philippine Rural Banks, as of 2012
Ranking of Rural Banks in the Philippines, as of 2013

Biggest Rural Banks in the Philippines


  1. Amaranth Red 08/13/2015
  2. Nora Tamba 08/14/2015
  3. Amaranth Red 08/18/2015

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