First Texoma National Bank on Your Credit Report
In short: First Texoma National Bank operates out of Durant, Oklahoma as a nationally chartered bank supervised by the Office of the Comptroller of the Currency. Certificate 13905 was issued against a charter dating to July 8, 1898, a nineteenth-century charter that predates every federal credit-reporting statute. As of the 06/30/2026 call report, First Texoma National Bank held $225 million in assets and operated 5 FDIC-reported offices. First Texoma National Bank 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 Texoma National Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
First Texoma National Bank carries FDIC certificate 13905, operates 5 FDIC-reported offices and reported $225 million in assets on its most recent call report in Durant, Oklahoma.
How First Texoma National Bank appears on your credit report
This tradeline is furnished by First Texoma National Bank itself, not purchased from another lender, which means the source documents are held in-house. First Texoma National Bank is Oklahoma-chartered with 5 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
- ◆Consumer lines of credit opened at its 5 Oklahoma banking offices
- ◆Purchase-money mortgages and home-equity draws written in the Durant area
- ◆Charged-off deposit-account balances passed to a third-party collector
Grounds to dispute a First Texoma National Bank entry
Each of these is a reason a First Texoma National Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆In-branch payment in Durant posted after the due date and reported 30 days late
- ◆Balance not updated to zero after First Texoma National Bank completed the payoff
- ◆Duplicate First Texoma National Bank tradeline created when the loan was renumbered internally
- ◆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 Texoma National Bank 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 Texoma National Bank 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 Texoma National Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
First Texoma National Bank questions, answered
What is the FDIC certificate number for First Texoma National Bank?
Yes — deposits are FDIC-insured under certificate 13905. The FDIC record lists First Texoma National Bank as a nationally chartered bank supervised by the Office of the Comptroller of the Currency headquartered in Durant, OK, chartered July 8, 1898, holding $225 million across 5 offices at the 06/30/2026 call report.
My dispute with First Texoma National Bank failed — who do I complain to?
The supervising authority is the Office of the Comptroller of the Currency. 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 Texoma National Bank tells you.
How many credit-card complaints does the CFPB show against First Texoma National Bank?
We do not publish a figure for First Texoma National Bank. 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 Texoma National Bank charge-off stay on my credit report?
The FCRA ceiling is roughly seven years from the date of first delinquency on the First Texoma National Bank account. Charging it off, selling it, or moving it to a servicer does not restart that clock. If the date of first delinquency drifts forward, that is re-aging — itself an FCRA violation worth disputing.
Is it better to go to First Texoma National Bank or to the collector?
The distinction matters because of who holds the evidence. First Texoma National Bank originated the account and retains the application and statement history; a collector usually works from a transferred data summary. Disputing under §623 with First Texoma National Bank reaches the records themselves.
Will a First Texoma National Bank account show on all three reports?
Not necessarily. Nothing in the FCRA compels a furnisher to report everywhere, and First Texoma National Bank, with 5 offices around Durant, may well report selectively. Check each file; inconsistent refresh dates are benign, inconsistent delinquency history is not.
First Texoma National Bank changed names or was acquired — why does my report show two accounts?
One account showing twice is a classic conversion artifact. First Texoma National Bank has operated since 1898, 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 Texoma National Bank account myself without paying anyone?
You can, at no cost. The §611 route through the bureaus and the §623 route straight to First Texoma National Bank 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 Texoma National Bank headquartered, and does that affect my dispute?
First Texoma National Bank is based in Durant, Oklahoma and reports 5 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 Texoma National Bank; 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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