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First State Bank in Gainesville, TX

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First State Bank's Gainesville, TX branch at 801 E California St provides full-service banking for the local community.

Data compiled from public sources

First State Bank Review

Located at 801 E California St in downtown Gainesville, TX, First State Bank operates as a full-service community banking branch. This Gainesville location provides local residents with convenient access to comprehensive banking services. While specific branch hours aren't listed online, the Gainesville branch maintains regular business operations.

Customers visiting the Gainesville, TX location at 801 E California St can handle deposits, withdrawals, account inquiries, loan services, and other banking needs. For current hours and specific service details at this Gainesville branch, contact the branch directly or reach out through First State Bank's main office.

Gainesville residents should bring valid government-issued identification when visiting the 801 E California St branch for account verification and banking transactions. First State Bank serves Gainesville's banking community with reliable, local financial services. Plan ahead since specific operating hours are subject to change.

Services & Features

Auto loans
Branch locations and in-person banking
Business banking services
Digital wallet services
Mobile banking app
Mortgage advisory services
Mortgage lending and home purchase financing
Multi-account management tools
Online banking platform
Person-to-person (P2P) payment transfers
Personal checking accounts
Trust services

Feature Checklist

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

Pros & Cons

Pros

  • FDIC-insured deposits with U.S. Government backing
  • Multiple personal checking account options to fit different lifestyles
  • Fast auto loan decisions with local application process
  • Dedicated mortgage advisory team and mortgage center with flexible home loan options
  • Mobile banking app with secure transactions, instant notifications, and multi-account access
  • Person-to-person payment services for convenient personal money transfers
  • Physical branch locations available for in-person service and support

Cons

  • Website provides no information about competitive interest rates, fees, or minimum balance requirements
  • Limited detail on mortgage loan types, terms, rates, or eligibility requirements
  • No listed disclosure of auto loan rates, terms, or APR ranges
  • Geographic limitation as a Texas-based community bank may restrict accessibility for non-local customers

State Consumer Finance Context

This is state-level context for Banks consumers in Gainesville, 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, Online banking platform, Mobile banking app, Mortgage lending and home purchase financing, Auto loans, and 7 more.

What profile signals are listed for First State Bank?

First State Bank has profile signals associated with Texas residents seeking relationship banking with local branch access, First-time homebuyers looking for personalized mortgage guidance, Small business owners needing local business banking services.

What are the strengths and weaknesses of First State Bank?

Key strengths: FDIC-insured deposits with U.S. Government backing; Multiple personal checking account options to fit different lifestyles; Fast auto loan decisions with local application process. Areas to consider: Website provides no information about competitive interest rates, fees, or minimum balance requirements; Limited detail on mortgage loan types, terms, rates, or eligibility requirements.

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
1905
Headquarters
Gainesville, TX
BBB Accredited
No
Certifications
FDIC Insured FDIC Cert #15511
Visit First State Bank

CreditDoc Profile Note

Research Note on First State Bank

First State Bank is profile signals for Texas-based customers who value community banking relationships and in-person service alongside digital convenience. The main caveat is that the website lacks detailed product specifications, competitive rate information, and fee transparency needed for thorough financial comparison, requiring direct contact with the bank for specific terms.

Profile Signals

  • Texas residents seeking relationship banking with local branch access
  • First-time homebuyers looking for personalized mortgage guidance
  • Small business owners needing local business banking services
Updated 2026-05-08

Similar Companies

Credit Human | Park Ten Financial Health Center logo

Credit Human | Park Ten Financial Health Center

Credit Human is a credit union offering checking, savings, loans, and investment products with rate claims to verify and zero-fee checking accounts.

4.9/5

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Profile signals: Members seeking fee-free checking and savings with rate claims to verify, Homebuyers interested in down-payment-free mortgage options

PECU logo

PECU

PECU is a member-owned, not-for-profit credit union in Austin, TX offering full-service banking including checking, savings, loans, and credit cards with rewards programs.

4.9/5

Google rating from 225 reviews

BBB: NR

Profile signals: Austin-area residents seeking rewards-based checking with cash back on everyday spending categories, Credit union members who value not-for-profit structure and member ownership over corporate banking

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.

5.0/5

Google rating from 8 reviews

BBB: NR

Profile signals: Texas-based small business owners seeking SBA or commercial construction financing with local decision-makers, Homebuilders and real estate developers needing spec home loans and construction financing

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Quick Summary

  • First State Bank is listed as a Banks provider in Gainesville, 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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