Equal Housing Lender
FDIC
"Your Local Source For Hometown Banking."

Personal Banking

Reliable Banking for Everyday Life

Whether you’re planting roots, expanding your business, or investing in the future, First State Bank of Texas is here to help you take the next step with confidence. Our loan options are just as robust as the big banks—but with decisions made locally by people who know you, made locally by people who know you.

From home mortgages and personal loans to commercial lending and specialized financing, we offer a wide range of solutions to support your goals. No pressure, no runaround—just honest guidance, fair terms, and a team that treats you like a neighbor.

Personal Banking Services

Personal Savings Accounts

From everyday spending to long-term saving, our personal banking services are built to support your goals with ease and confidence. Whether you’re opening your first checking account or setting money aside for the future, we offer flexible options backed by the friendly, local service you know and trust.

Personal Checking Accounts

Whether you’re managing day-to-day expenses or saving for the future, our personal checking and savings accounts are designed to keep things simple, secure, and tailored to your needs. With helpful tools and a team that knows you by name, First State Bank of Texas is here to make personal banking feel… well, personal.

Lending That Works for You

Whether you’re buying a car, covering unexpected expenses, or planning something big, our personal loans are designed to meet your needs with straightforward terms and a team that’s always on your side. With local decisions and personalized service, we make borrowing feel less like a hassle—and more like a helping hand.

Start your account and see the difference today.

First State Bank of Texas
FDIC Insured

Online Banking Tools

First State Bank of Texas

Account Security Concerns?

If you believe your Card and/or PIN has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, or to report errors or questions concerning receipts, periodic statements or your Account, call or write us at the following telephone number(s) or address:

First State Bank of Texas Debit Card Processing
PO Box 429, Orange, TX 77631-0429

Toll Free Lost Card Notification Number
800.472.3272

First State Bank of Texas
409-221-6777

Our business days are Monday through Friday, excluding federally recognized holidays.