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First State Bank in Clute, TX

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Clute's First State Bank branch offers banking services at 200 Brazosport Blvd N in Clute, TX.

Data compiled from public sources

First State Bank Review

First State Bank operates a branch location at 200 Brazosport Blvd N in Clute, TX. This standalone banking facility serves the Clute community with in-person banking services. While specific hours are not publicly listed, you can contact the branch directly for current operating times.

The Clute branch offers standard banking services including deposits, withdrawals, account management, and customer support. Residents of Clute, TX can visit this location on Brazosport Boulevard to handle their banking needs; contact the branch directly for specific services or to confirm availability.

For Clute customers, this First State Bank location provides convenient access to banking services in the heart of the local area. Bring your ID and any necessary account documents when you visit.

Services & Features

ATM access and check reordering
Business checking accounts
Business savings accounts
Cash management services
Commercial real estate financing
Equipment financing loans
Mortgage lending for home purchase and refinance (E-Z Mortgage program)
Online banking and mobile banking
Personal checking accounts with online banking
Personal loans
Personal savings accounts
SBA lending for small business startups and expansion

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • FDIC-insured deposits backed by U.S. Government full faith and credit
  • Local lending decisions made by experienced lenders rather than centralized underwriting
  • Free online and mobile banking included with accounts
  • Voted Favorite Bank in Brazoria County by community customers
  • Personalized service with staff recognition and follow-up relationships
  • Multiple lending programs including SBA loans, commercial real estate, and equipment financing
  • E-Z Mortgage program offering fast and simple home financing process

Cons

  • Geographic limitation with service concentrated in Brazoria County, Texas area
  • Specific interest rates, APRs, and fee structures not disclosed on website
  • Limited product detail available online; customers must contact branch for specifics
  • Smaller bank may have fewer services or technology features compared to national institutions
  • No mention of investment products, wealth management, or advanced financial services

State Consumer Finance Context

This is state-level context for Banks consumers in Clute, TX. It does not confirm that First State Bank or this specific location is licensed.

State regulator

Texas Office of Consumer Credit Commissioner

Key state rules to check

  • Payday and auto title lenders operate as Credit Access Businesses (CABs) arranging loans through third-party lenders.
  • No state cap on CAB fees; effective APRs frequently exceed 500%.
  • Several cities (Austin, Dallas, San Antonio, Houston) have enacted local payday lending ordinances.

Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.

Frequently Asked Questions

What services does First State Bank offer?

First State Bank offers 12 services including Personal checking accounts with online banking, Personal savings accounts, Business checking accounts, Business savings accounts, Cash management services, and 7 more.

What profile signals are listed for First State Bank?

First State Bank has profile signals associated with Small business owners in South Texas seeking relationship-based lending and local decision-making, Homebuyers in the Brazoria County area looking for personalized mortgage service, Customers who value community banking and local involvement over national branch networks, Business owners needing SBA loans or commercial real estate financing in Texas.

What are the strengths and weaknesses of First State Bank?

Key strengths: FDIC-insured deposits backed by U.S. Government full faith and credit; Local lending decisions made by experienced lenders rather than centralized underwriting; Free online and mobile banking included with accounts. Areas to consider: Geographic limitation with service concentrated in Brazoria County, Texas area; Specific interest rates, APRs, and fee structures not disclosed on website.

How does First State Bank compare to similar companies?

In the Banks category, comparable providers include Credit Human | Park Ten Financial Health Center, PECU, SouthStar Bank Austin Loan Office. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

Quick Facts

Founded
1958
Headquarters
Clute, TX
BBB Accredited
No
Certifications
FDIC Insured FDIC Cert #17950
Visit First State Bank

CreditDoc Profile Note

Research Note on First State Bank

First State Bank is best suited for small business owners and homebuyers in the Texas Gulf Coast region who prioritize personal relationships and local decision-making over product breadth or national convenience. The main caveat is geographic limitation to Brazoria County service areas and lack of detailed pricing information online, requiring direct contact with branches for specific rates and terms.

Profile Signals

  • Small business owners in South Texas seeking relationship-based lending and local decision-making
  • Homebuyers in the Brazoria County area looking for personalized mortgage service
  • Customers who value community banking and local involvement over national branch networks
  • Business owners needing SBA loans or commercial real estate financing in Texas
Updated 2026-05-08

Similar Companies

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PECU logo

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SouthStar Bank Austin Loan Office logo

SouthStar Bank Austin Loan Office

SouthStar Bank is a Texas-based community bank serving the state since 1920, offering personal and commercial banking with locally-made loan decisions.

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Quick Summary

  • First State Bank is listed as a Banks provider in Clute, TX on CreditDoc.
  • Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
  • If you need a loan, account, installment option, credit help, or debt support, start with the fit quiz and compare alternatives before contacting a provider.
  • For broader context, continue into the free Credit Fundamentals course or a relevant financial wellness guide.

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