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First State Bank in Shallowater, TX

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Shallowater's First State Bank at One Commerce Park, TX offers banking services to the local community.

Data compiled from public sources

First State Bank Review

First State Bank's Shallowater branch is located at One Commerce Park, a standalone banking facility serving the Shallowater, TX area. The branch provides customers with a physical location to handle in-person banking transactions and inquiries in the local community.

The Shallowater branch offers personal and business banking services. Customers can visit the bank for deposit accounts, loan services, and other banking needs. For current hours of operation and specific service details, customers should contact the branch directly.

For Shallowater residents and businesses, having First State Bank's local branch provides convenient access to banking services without traveling to nearby communities. Bring a valid government-issued ID when visiting to open accounts or complete banking transactions.

Services & Features

Account comparison tools
Business checking accounts
Farm and ranch loans
General loan products
Online banking platform
Overdraft services
Personal checking accounts
Retirement accounts
Savings accounts
Telephone banking (24/7)
Visa check cards
Wire transfers

Feature Checklist

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

Pros & Cons

Pros

  • 24/7 online and telephone banking access available at no additional charge
  • Multiple account options including personal checking, business checking, savings, and retirement accounts
  • Dedicated fraud prevention education, proactively warning customers about phone scams and text message scams
  • Comprehensive accessibility features including multi-language support and profiles for blindness, visual impairment, motor impairment, and cognitive disabilities
  • listed loan products for farm and ranch operations, serving agricultural communities
  • Wire transfer services available
  • Visa check card offering included with accounts

Cons

  • Website provides no information on interest rates, APYs, or fee structures for any products
  • No details on loan terms, rates, or maximum/minimum borrowing amounts
  • Limited information about specific account features, benefits, or service levels
  • No online account opening process detailed; application methods unclear beyond mention of draw request forms
  • No community presence information such as branch locations, hours, or local service area details provided

State Consumer Finance Context

This is state-level context for Banks consumers in Shallowater, 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, Business checking accounts, Savings accounts, Retirement accounts, Farm and ranch loans, and 7 more.

What profile signals are listed for First State Bank?

First State Bank has profile signals associated with Small business owners and farmers seeking community bank relationships with listed ag lending, Customers with accessibility needs who require multi-language support and disability-friendly digital banking, Individuals seeking personalized, local banking relationships with proactive fraud protection communication.

What are the strengths and weaknesses of First State Bank?

Key strengths: 24/7 online and telephone banking access available at no additional charge; Multiple account options including personal checking, business checking, savings, and retirement accounts; Dedicated fraud prevention education, proactively warning customers about phone scams and text message scams. Areas to consider: Website provides no information on interest rates, APYs, or fee structures for any products; No details on loan terms, rates, or maximum/minimum borrowing amounts.

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
1960
Headquarters
Shallowater, TX
BBB Accredited
No
Certifications
FDIC Insured FDIC Cert #18301
Visit First State Bank

CreditDoc Profile Note

Research Note on First State Bank

First State Bank Shallowater is profile signals for individuals and small businesses seeking traditional community banking with local service and a demonstrated commitment to accessibility and fraud prevention. The primary caveat is that the website lacks listed pricing information, interest rates, and detailed product specifications necessary for informed financial comparison.

Profile Signals

  • Small business owners and farmers seeking community bank relationships with listed ag lending
  • Customers with accessibility needs who require multi-language support and disability-friendly digital banking
  • Individuals seeking personalized, local banking relationships with proactive fraud protection communication
Updated 2026-05-08

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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 Shallowater, 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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