First State Bank is a bank based in Gainesville, Texas, established in 1905, with $1.8 billion in total assets across 14 branches. By Trust Grade it ranks 297th of 349 banks we track in Texas. Its capital ratio of 8.3% trails most similarly sized banks (12th percentile), versus a Texas median of 10.9%. It was profitable over the most recent period, with a 0.73% return on assets. No consumer complaints against First State Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How First State Bank compares to Texas peers
How we graded First State Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (8.3% capital ratio)
- Profitable (ROA 0.73%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for First State Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (14)
- 808 E Highway 82, Gainesville, TX 76240
- 519 E Division St, Muenster, TX 76252
- 6586 Fm 902, Gainesville, TX 76240
- 400 W Oak St, Denton, TX 76201
- 661 W Thompson St, Decatur, TX 76234
- 108 E. Howell Street, Saint Jo, TX 76265
- 211 S Oak St, Roanoke, TX 76262
- 2430 W University Dr, Denton, TX 76201
- 542 Highway 377 N, Whitesboro, TX 76273
- 2315 North Highway 75, Sherman, TX 75090
- 433 S Preston Rd, Celina, TX 75009
- 719 North New Road, Waco, TX 76710
- 3427 W Fm 120, Denison, TX 75020
- 801 E California St, Gainesville, TX 76240
Are deposits at First State Bank insured?
Yes. First State Bank is an FDIC-insured bank (FDIC certificate #15511). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
First State Bank: frequently asked questions
Is First State Bank a good bank?
First State Bank earns a Bankzia Trust Grade of A (90/100, "Excellent"), based on a financial-strength score of 90/100 (it has no CFPB complaints on record). Well-capitalized (8.3% capital ratio); Profitable (ROA 0.73%).
Is First State Bank FDIC-insured?
Yes. First State Bank is a FDIC-insured bank (FDIC certificate #15511). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is First State Bank?
First State Bank holds $1.8 billion in total assets, ranking 297th of 349 banks we track in Texas. It operates 14 branches.
Does First State Bank have CFPB complaints?
No CFPB complaints against First State Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
