Bank · FDIC insured
First State Bank
A $1.9B bank headquartered in Gainesville, TX, with 14 branches in Texas.
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First State Bank
First State Bank has served customers since its founding in 1905, operating 14 locations across North and Central Texas.
- Headquarters
- 801 E California St, Gainesville, TX 76240
- FDIC certificate
- 15511 ↗
Branches
14 branches in Texas
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Texas
14 branches
Dallas area · 5
- Celina Branch433 S Preston Rd, Celina, TX 75009Directions
- North Texas Bank Branch661 W Thompson St, Decatur, TX 76234Directions
- Denton Branch400 W Oak St, Denton, TX 76201Directions
- Rayzor Ranch Branch2430 W University Dr, Denton, TX 76201Directions
- Roanoke Branch211 S Oak St, Roanoke, TX 76262Directions
Gainesville area · 4
- First State BankMain office801 E California St, Gainesville, TX 76240Directions
- Lake Kiowa Branch6586 Fm 902, Gainesville, TX 76240Directions
- North Texas Branch808 E Highway 82, Gainesville, TX 76240Directions
- Muenster Branch519 E Division St, Muenster, TX 76252Directions
Sherman area · 3
- Denison Branch3427 W Fm 120, Denison, TX 75020Directions
- Sherman Branch2315 North Highway 75, Sherman, TX 75090Directions
- Whitesboro Branch542 Highway 377 N, Whitesboro, TX 76273Directions
Saint Jo area · 1
- Saint Jo Branch108 E. Howell Street, Saint Jo, TX 76265Directions
Waco area · 1
- Waco Branch719 North New Road, Waco, TX 76710Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.61% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.94% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 0.80% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $58 | $88 | — |
- CapitalLeverage ratio9.61%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.94%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets0.80%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$58Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.