First State Bank of Uvalde on Your Credit Report
In short: From its Uvalde, Texas headquarters, First State Bank of Uvalde operates as a state-chartered commercial bank that is not a member of the Federal Reserve System. The FDIC lists it under certificate 9978, established July 6, 1907. The pre-Federal-Reserve charter date matters here only because a charter predating federal deposit insurance has been through enough system migrations that stale status codes are the common defect. Its 06/30/2026 call report shows $1.68 billion in total assets across 8 reported offices. First State Bank of Uvalde books its loans on its own balance sheet, so it furnishes its own tradelines — meaning an FCRA §623 dispute goes straight to the party holding the underlying records, in parallel with the §611 route through the bureaus. 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 Uvalde actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
First State Bank of Uvalde operates under FDIC certificate 9978 from Uvalde, Texas, where its charter has run since July 6, 1907; the 06/30/2026 call report shows $1.68 billion in total assets and 8 FDIC-reported offices.
How First State Bank of Uvalde appears on your credit report
The distinction that matters: First State Bank of Uvalde is the original creditor on the account, not a third party that bought it. A bank in this size range typically runs reporting through a small operations team, which is why a letter identifying one specific field usually outperforms a general demand. Reference the account by last four digits and origination date, isolate the one field you can disprove, and copy all three bureaus to keep the §611 and §623 clocks running together. Whether the tradeline changes depends on what verification turns up; no one can promise you a result.
Names it may report under
Products that commonly show up
- ◆Consumer installment loans booked across its branch network
- ◆First-lien mortgages and home-equity lines on Texas property
- ◆Consumer accounts originated across its 8 Texas offices
Grounds to dispute a First State Bank of Uvalde entry
Each of these is a reason a First State Bank of Uvalde tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Mortgage payoff recorded by the title company but not updated by First State Bank of Uvalde
- ◆Account settled with First State Bank of Uvalde still reporting the original charged-off balance
- ◆State-chartered account duplicated after a core-system conversion
- ◆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 Uvalde 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 Uvalde 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 Uvalde 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 Uvalde questions, answered
Is First State Bank of Uvalde FDIC-insured, and what is its certificate number?
First State Bank of Uvalde is FDIC-insured under certificate number 9978. Per the FDIC, the charter dates to July 6, 1907, the head office is in Uvalde, TX, and the 06/30/2026 call report shows $1.68 billion in total assets over 8 FDIC-reported offices. Oversight runs through the FDIC and its state banking regulator.
Who regulates First State Bank of Uvalde, and where do I escalate if a dispute fails?
First State Bank of Uvalde is a state-chartered commercial bank that is not a member of the Federal Reserve System, so its primary oversight runs through the FDIC and its state banking regulator. If a dispute with the bank and the bureaus does not resolve an inaccuracy, you can file a complaint with the Consumer Financial Protection Bureau, and you retain a private right of action under FCRA §§616–617. Escalating does not require a third party — you can do all of it yourself at no cost.
How many credit-card complaints does the CFPB show against First State Bank of Uvalde?
We do not carry a complaint count for First State Bank of Uvalde. The CFPB credit-card dataset is keyed to company names that did not resolve unambiguously to this 8-office institution, and publishing a loose match would misattribute another company's record. Absence of a figure here is not a claim that there are no complaints — search consumerfinance.gov directly.
How long can a First State Bank of Uvalde charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the First State Bank of Uvalde account. That anchor date does not reset when the balance is charged off, sold, or transferred. A First State Bank of Uvalde tradeline whose delinquency date drifts later is re-aged, and re-aging is a reportable inaccuracy in its own right.
What is the difference between disputing with First State Bank of Uvalde and disputing with a collector?
The records sit in different places. First State Bank of Uvalde originated the account, so it has the application, the statement history and the payment postings. A collector works from a data file it was given, which is usually thinner. Disputing with First State Bank of Uvalde under §623 puts your challenge in front of whoever can actually check it against source documents.
Does First State Bank of Uvalde report to all three credit bureaus?
Nothing in the FCRA compels a bank to furnish to all three, and many institutions of this size do not. Check Equifax, Experian and TransUnion before concluding First State Bank of Uvalde has misreported anything. Differences in balance across bureaus usually reflect different update cycles; differences in status, payment history or delinquency date are the ones to challenge.
First State Bank of Uvalde was acquired or changed names — why does my report show two accounts?
Duplicates like this are almost always a data-migration residue rather than two real debts. Because a charter predating federal deposit insurance has been through enough system migrations that stale status codes are the common defect, a First State Bank of Uvalde account can surface under a predecessor name alongside the current one. Dispute for removal of the redundant entry, identifying both by last four digits and open date, and insist on deletion rather than a status change.
Can I dispute First State Bank of Uvalde reporting myself, without paying anyone?
Entirely. Nothing about disputing First State Bank of Uvalde reporting requires a paid service. Put the inaccurate field in writing to the bank, send a matching dispute to each bureau, and retain copies. Anyone promising you a specific point increase or a removal timeline is describing something they cannot control.
What should I check first on First State Bank of Uvalde reporting?
Three fields decide how long an item lasts and how heavily it weighs: date of first delinquency, account status, and high balance or credit limit. On this charter, a charter predating federal deposit insurance has been through enough system migrations that stale status codes are the common defect. Compare each against your own statements before writing, because a dispute that names one provably wrong field resolves far more often than a general request to remove the account.
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 Uvalde; 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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