First State Bank of Texas on Your Credit Report
In short: First State Bank of Texas operates out of Orange, Texas as a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator. Certificate 11922 was issued against a charter dating to August 12, 1914, a charter older than the FDIC itself. The 06/30/2026 call report puts First State Bank of Texas at $354 million in assets across 6 FDIC-reported offices. First State Bank of Texas is the furnisher of record on accounts it originates, so both the §623 route to the bank and the §611 route through the bureaus are available to you. Information that is inaccurate, incomplete, or unverifiable can be disputed under the FCRA. Outcomes depend on what the furnisher can verify, and results vary.
Who First State Bank of Texas actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
First State Bank of Texas carries FDIC certificate 11922, operates 6 FDIC-reported offices and reported $354 million in assets on its most recent call report in Orange, Texas.
How First State Bank of Texas appears on your credit report
This tradeline is furnished by First State Bank of Texas itself, not purchased from another lender, which means the source documents are held in-house. First State Bank of Texas is Texas-chartered with 6 FDIC-reported offices, and reviews disputes against records it maintains itself. Put it in writing, name the specific field you say is inaccurate, and file the §611 dispute alongside it. No outcome is promised — what happens depends on the underlying documentation.
Names it may report under
Products that commonly show up
- ◆Deposit-secured and personal installment credit written at its 6 Texas offices
- ◆Mortgage and home-equity accounts originated in the Orange market
- ◆Charged-off deposit-account balances passed to a third-party collector
Grounds to dispute a First State Bank of Texas entry
Each of these is a reason a First State Bank of Texas tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Payment delivered to the Orange office on time but posted to the next cycle
- ◆Paid-in-full First State Bank of Texas loan continuing to report an outstanding balance
- ◆Single First State Bank of Texas account reporting twice following a data migration
- ◆Account balance or credit limit reported incorrectly
- ◆Payment reported late when it was made inside the grace period
- ◆Date of first delinquency re-aged to extend how long it can report
- ◆Account still reporting as open after it was closed, or vice versa
- ◆Duplicate tradeline for the same account after an internal transfer
- ◆Account belongs to someone else with a similar name, or is the result of identity theft
Disputing an original creditor is not the same as disputing a collector
First State Bank of Texas is an original creditor — the institution whose name was on the account when it was opened. That matters for two reasons. First, the FDCPA, which governs debt collectors, generally does not apply to a creditor collecting its own debt in its own name, so the “debt validation” request that works against a collection agency is not the right tool here. Second, as the furnisher of the tradeline, First State Bank of Texas has direct obligations under FCRA §623 to investigate a dispute you send it and to correct or delete information it cannot verify as accurate.
Dispute with the bureaus — FCRA §611
File with Equifax, Experian and TransUnion. They must generally investigate within 30 days and tell the furnisher. Free, and you can do it yourself.
Dispute with the furnisher — FCRA §623
Send First State Bank of Texas a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
First State Bank of Texas questions, answered
What is the FDIC certificate number for First State Bank of Texas?
Certificate 11922 is the FDIC record for First State Bank of Texas. It describes a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator based in Orange, TX, with a charter dating to August 12, 1914; the 06/30/2026 call report shows $354 million in assets and 6 offices.
My dispute with First State Bank of Texas failed — who do I complain to?
The supervising authority is the FDIC and its state banking regulator. A dispute that fails on both the §611 and §623 tracks despite contrary documentation belongs in front of the CFPB — and FCRA §§616–617 mean litigation remains available. Neither route requires a paid intermediary, whatever First State Bank of Texas tells you.
How many credit-card complaints does the CFPB show against First State Bank of Texas?
We do not publish a figure for First State Bank of Texas. The CFPB credit-card dataset returned no exact company-key match, and loose or partial-name matching would sweep in different institutions with similar names. We would rather omit the number than publish one we cannot stand behind — you can search it yourself at consumerfinance.gov.
How long can a First State Bank of Texas charge-off stay on my credit report?
Roughly seven years, measured from the original date of first delinquency — not from the charge-off date and not from the day a collector acquired it. Watch the First State Bank of Texas tradeline for a first-delinquency date that moves later; re-aging is independently actionable under the FCRA.
Is it better to go to First State Bank of Texas or to the collector?
The distinction matters because of who holds the evidence. First State Bank of Texas originated the account and retains the application and statement history; a collector usually works from a transferred data summary. Disputing under §623 with First State Bank of Texas reaches the records themselves.
Will a First State Bank of Texas account show on all three reports?
Not necessarily. Nothing in the FCRA compels a furnisher to report everywhere, and First State Bank of Texas, with 6 offices around Orange, may well report selectively. Check each file; inconsistent refresh dates are benign, inconsistent delinquency history is not.
Why does one First State Bank of Texas account appear twice on my report?
One account showing twice is a classic conversion artifact. First State Bank of Texas has operated since 1914, and a charter that old has usually been through at least one core-system migration. An account may legitimately appear under a predecessor name, but the same debt must not report twice with two balances. Dispute the duplicate and name both tradelines.
Can I dispute a First State Bank of Texas account myself without paying anyone?
You can, at no cost. The §611 route through the bureaus and the §623 route straight to First State Bank of Texas are both open to consumers directly. Any firm offering to do it is selling convenience, not access — and no outcome can lawfully be promised. Accurate, timely information remains regardless.
Where is First State Bank of Texas headquartered, and does that affect my dispute?
First State Bank of Texas is based in Orange, Texas and reports 6 offices to the FDIC. Location has no bearing on the federal dispute timeline, but it identifies the state banking regulator that shares supervision — useful only once CFPB escalation is on the table.
Other creditors on credit reports
This page is general information about consumer rights, not legal advice, and does not create an attorney-client relationship. Crowned Credit is not affiliated with, endorsed by, or sponsored by First State Bank of Texas; company names are used only to identify the institution a consumer may see on a credit report. Crowned Credit does not promise any particular outcome; results vary by individual circumstances and by what a furnisher is able to verify. Accurate, verifiable information generally cannot be removed from a credit report. You have the right to dispute inaccurate information yourself, for free, directly with the credit bureaus and with the furnisher.
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