Listed locations
13
Institution profile
First State Bank (Gainesville, TX)
Identity verified through FDIC; additional sources pendingVerification describes the US Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology
Public-record data only. Not a recommendation, lender endorsement, or rate comparison. Verify current licensing, product availability, and terms independently.
FDIC BankFind baseline
FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.
- Legal name
- First State Bank
- Display name
- First State Bank (Gainesville, TX)
- Institution status
- Active
- FDIC insured
- Yes
- FDIC insured since
- July 9, 1937
- Established date
- August 16, 1905
- Charter class
- State-chartered commercial bank, member of the Federal Reserve System (FRS)
- Primary federal regulator
- Federal Reserve Board
- Headquarters
- Gainesville, TX, 76240, United States
- Website
- http://www.firststate.bank
- FDIC certificate number
- 15511
- Federal Reserve RSSD ID
- 435750
- Domestic location count
- 14
- Source observed
- August 3, 2026
Regulatory profile
Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.
Regulatory identity
- Institution status
- ACTIVE
- Primary federal regulator
- FRS
- Institution type
- State Member Bank
- Primary activity
- NAICS 52211
- FDIC certificate
- 15511
- Federal Reserve RSSD ID
- 435750
- LEI
- 54930079VLB4FPPZ7Y58
- Headquarters
- 801 East California Street, Gainesville, TX, 76240, United States
- Primary deposit insurer
- Deposit Insurance Fund (DIF)
- Source observed
- August 19, 2026
Branch network
Showing 1 through 13 of 13 listed locations
Scroll sideways to see every branch column.
| Branch | Address | City | State | Postal code |
|---|---|---|---|---|
| CELINA BRANCH | 433 South Preston Road | Celina | TX | 75009 |
| DECATUR BRANCH | 661 West Thompson Street | Decatur | TX | 76234 |
| DENISON BRANCH | 3427 West FM 120 Suite 101 | Denison | TX | 75020 |
| DENTON BRANCH | 400 W Oak ST | Denton | TX | 76201 |
| RAYZOR RANCH BRANCH | 2430 West University Drive | Denton | TX | 76201 |
| LAKE KIOWA BRANCH | 6586 F M 902 | Gainesville | TX | 76240 |
| NORTH TEXAS BRANCH | 808 E Highway 82 | Gainesville | TX | 76240 |
| MUENSTER BRANCH | 519 East Division Street | Muenster | TX | 76252 |
| ROANOKE BRANCH | 211 South Oak Street | Roanoke | TX | 76262 |
| SAINT JO BRANCH | 108 East Howell Street | Saint Jo | TX | 76265 |
| SHERMAN BRANCH | 2315 North Highway 75 | Sherman | TX | 75090 |
| WACO BRANCH | 719 North New Road | Waco | TX | 76710 |
| WHITESBORO BRANCH | 542 Highway 377 North | Whitesboro | TX | 76273 |
Community Reinvestment Act (CRA)
Latest available CRA evaluation
- Rating
- Satisfactory
- Exam date
- July 24, 2023
- Regulator
- Federal Reserve
- Examination method
- Large Bank Exam
This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.
CRA evaluations are examination results from the relevant regulatory process and should be interpreted in the context of the examination date and source.
Historical CRA evaluations
Scroll sideways to see every CRA examination column.
| Exam date | CRA rating | Regulator | Examination method |
|---|---|---|---|
| July 24, 2023 | Satisfactory | Federal Reserve | Large Bank Exam |
| March 1, 2021 | Outstanding | Federal Reserve | Intermediate Small Bank |
| October 30, 2017 | Satisfactory | Federal Reserve | Intermediate Small Bank |
| September 8, 2014 | Satisfactory | Federal Reserve | Intermediate Small Bank |
| March 1, 2013 | Satisfactory | FDIC | Intermediate Small Bank |
| December 1, 2009 | Satisfactory | FDIC | Intermediate Small Bank |
| September 1, 2006 | Satisfactory | FDIC | Intermediate Small Bank |
| January 1, 2004 | Satisfactory | FDIC | Small Bank |
| March 1, 1999 | Satisfactory | FDIC | Small Bank |
| February 1, 1996 | Outstanding | FDIC | Not Reported |
| March 1, 1993 | Satisfactory | FDIC | Not Reported |
| May 1, 1991 | Satisfactory | FDIC | Not Reported |
Institutional history
3 FFIEC NIC history events
Showing 1 through 3 of 3 history events
| Event date | Event type | Related institution |
|---|---|---|
| January 31, 2015 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| April 25, 2008 | Charter Retained (Merger or P&A) | — |
| July 1, 1996 | Charter Discontinued (Merger or Purchase & Assumption) | — |
These events are shown as reported by the FFIEC NIC source and are not independent legal conclusions.
FFIEC-reported organizational relationships
3 FFIEC NIC relationship records
Showing 1 through 3 of 3 relationship records
| Relationship | Institution | Type | Location |
|---|---|---|---|
| Direct relationship | FIRST STATE BANK INSURANCE AGENCY, INC. | Domestic Entity Other | Gainesville, TX |
| Direct relationship | FSB MUNI, LLC | Domestic Entity Other | Gainesville, TX |
| ROOT_INSTITUTION | FIRST STATE BANK | State Member Bank | Gainesville, TX |
These relationships reflect the FFIEC NIC source display and should not be interpreted as a complete legal ownership analysis.
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
Additional profile fields
Fields below supplement the primary source baseline and are shown only when present on the public profile.
- Entity type
- FDIC-insured state-chartered member bank