Marayo Bank, Inc.(Neg. Occ.), Inc. is a bank in the Philippines. It is organized and incorporated in accordance with the provisions of the Rural Banks Act of the Philippines for the purpose of providing the people of rural communities with credit facilities on reasonable terms and encourage cooperatives.

It is the only bank in the town of Pontevedra Negros Occidental. They offer broad range of services including deposits, lending services and money transfers for overseas remittance through Western Union. This bank played a major role in improving the lives of people in the rural areas that they cover, ranks 6th in the wholePhilippines and 1st in the Visayas for 4 consecutive years. It has two other branches located at E.B. Magalona, Negros Occidental and with its acquisition of the branch of the Rural Bank of Barotac Nuevo in Banate, Iloilo. Being the only bank in Pontevedra Negros Occ. and Banate Iloilo, Rural Bank of Marayo has helped in the development of the town of Banate in Iloilo and its home town in Pontevedra Negros Occidental.



Marayo Bank. Inc, was founded under the Rural Bank’s Act of the Philippines, Republic Act No. 720 of 1952. it was registered with the Securities and Exchange Commission as Rural Bank of Marayo ( Neg. Occ. ), Inc. in the form of a stock corporation. It was formally opened on November 18, 1969 with the authority to operate by the Central Bank of the Philippines.

With an initial authorized capital of Php 1,000,000.00, it has been increasing its capital base through the years. On April 22, 1992, it increased capitalization to Php 6,500,000.00 and to meet the expanding operation, it has increased its authorized capital to Php 20,500,000.00 on August 11, 2003. At present it has paid in capital of Php 15,500,000.00 and to be increased to Php 50 Million, now awaiting approval by the Banko Sentral ng Pilipinas ( BSP ) from August 1993 until the present, Rural Bank of Marayo has been accredited by Land Bank of the Philippines under its Small-Agri Re discounting Program.

Beginning 2003 its increased its lending operation to small and medium entrepreneurs in the rural communities to stimulate economic activities and improve living standards of the people.

The idea of putting up a branch office was conceptualized. Through the efforts of the bank’s board of directors and officers, the bank opened its regular branch office in E.B. Magalona, Negros Occidental on October 14, 2005 and in Banate, Iloilo on August 1, 2006.