Branch Network
First State Bank Locations & Branches Gainesville, Texas
BankRegReports is independent of First State Bank and never asks for online banking logins or passwords.
First State Bank operates 14 branches from its headquarters in Gainesville, TX, .
First State Bank branch network
All 14 branches are in TEXAS, across 11 cities. Gainesville, TX has the most of its branches, 3. Its largest office by deposits is its main office in Gainesville, TX, with $598.8M (36.1% of its branch deposits). It had the same number of branches on June 30, 2025.
First State Bank at a glance
Its CET1 capital ratio was 14.08% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $1.85B
- CET1 ratio, Q2 2026
- 14.08%
- Deposit insurance
- FDIC
- Regulator
- Federal Reserve
- Latest call report
- Q2 2026, FFIEC 041
- Established
- 1905
Full financial profile · Is First State Bank safe? · First State Bank call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Gainesville, TX (3 branches) | 1 of 6 | 74.5% | $927.1M |
| State: TX (14 branches) | 78 of 441 | 0.1% | $1.66B |
Ranked by total assets among banks headquartered in the state: Largest banks in Texas.
Share by county and metro area
First State Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Cooke, TX (4 branches) | 1 of 6 | 65.9% | $988.6M | $1.50B |
| Denton, TX (3 branches) | 16 of 41 | <0.1% | $221.8M | $275.39B |
| Grayson, TX (3 branches) | 5 of 17 | 4.8% | $196.2M | $4.10B |
| Wise, TX (1 branch) | 6 of 12 | 8.7% | $135.6M | $1.57B |
| Montague, TX (1 branch) | 4 of 6 | 7.6% | $52.8M | $697.7M |
| Mclennan, TX (1 branch) | 18 of 22 | 0.5% | $37.2M | $8.23B |
| Collin, TX (1 branch) | 62 of 69 | <0.1% | $28.4M | $39.76B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Gainesville, TX (4 branches) | 1 of 6 | 65.9% | $988.6M | $1.50B |
| Dallas-Fort Worth-Arlington, TX (5 branches) | 83 of 165 | <0.1% | $385.8M | $731.99B |
| Sherman-Denison, TX (3 branches) | 5 of 17 | 4.8% | $196.2M | $4.10B |
| Waco, TX (1 branch) | 21 of 26 | 0.4% | $37.2M | $8.51B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First State Bank (main office) | Gainesville, TX | 76240 | $598.8M |
| North Texas Branch | Gainesville, TX | 76240 | $273.1M |
| Whitesboro Branch | Whitesboro, TX | 76273 | $156.1M |
| Denton Branch | Denton, TX | 76201 | $148.7M |
| North Texas Bank Branch | Decatur, TX | 76234 | $135.6M |
| Muenster Branch | Muenster, TX | 76252 | $61.5M |
| Lake Kiowa Branch | Gainesville, TX | 76240 | $55.1M |
| Rayzor Ranch Branch | Denton, TX | 76201 | $53.6M |
| Saint Jo Branch | Saint Jo, TX | 76265 | $52.8M |
| Waco Branch | Waco, TX | 76710 | $37.2M |
| Sherman Branch | Sherman, TX | 75090 | $29.7M |
| Celina Branch | Celina, TX | 75009 | $28.4M |
| Roanoke Branch | Roanoke, TX | 76262 | $19.6M |
| Denison Branch | Denison, TX | 75020 | $10.3M |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 15511) · FFIEC NIC profile (RSSD 435750)