We take banking personally. First State Bank offers the products and services you need to make life easier. Whether you’re getting your first debit card, buying a home, or opening an IRA, we’ve got your banking needs covered.

Christmas Club Account

Get financially fit with our newChristmas Club Account Start saving now and you’ll be smiling later!First State Bank’s new Christmas Club Account will help ease financial Christmas stress. SAVE – Automatically deposit or make deposits on your own scheduleEARN – Earn 1.25% Annual Percentage Yield (APY) on your money!SHOP – Saved funds will be automatically distributed to you…

Vacation Club Account

Your next big adventure awaits!  Save with a purpose while tucking away a little bit at a time and it will add up to something big.  You’ll be packing your bags before you know it! Vacation Club Account Terms: The interest rate and annual percentage yield for your account depend on the applicable rate tier.…

Land Loans

Let us help you put down roots for the future with a land loan.


First State Bank is a division of First National Bank.  We offer an array of mortgage options through First National Bank Mortgage. Visit www.fnbtx.com/mortgage to learn more.

Consumer Loans

Loans to suit your needs. We offer both secured and unsecured consumer loans.

Watercraft, Motorcycle, ATV

Your next adventure awaits and so does a great loan from FSB! Fixed rates and terms info coming soon! Loan amounts to accommodate any vehicle Finance up to 90% of your purchase price


Contact a loan officer at any branch today!

Freedom Checking

Requirements: Minimum balance to open $1.00 Benefits: No monthly service charge fee No minimum balance requirements Free Online Banking First State Bank will refund up to $30.00 per statement cycle for ATM charges when you turn in your original ATM withdrawal receipt within 30 days of the charge, at any one of our four (4)…

Advantage Checking

Opening Requirements: You must deposit $1.00 to open this account. Fees: If you do not meet the monthly Advantage Checking qualification requirements detailed below, your account will be subject to a $7.00 service charge for that statement cycle. General Account Benefits*: Earn interest on your checking account * Free Online Banking Free Bill Pay Account Benefits* when…