FirstBank Southwest on Your Credit Report
In short: Headquartered in Amarillo, TX, FirstBank Southwest has operated under FDIC certificate 3387 since its charter was established in 1907. Its 06/30/2026 call report shows $1.88 billion in total assets and 13 FDIC-reported offices. It is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator. When FirstBank Southwest reports an account, it is the furnisher of record, and FCRA §623 obliges it to investigate a dispute you send straight to the bank rather than only through a bureau. 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 FirstBank Southwest actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
FirstBank Southwest appears in the FDIC's active-institution file as certificate 3387, established January 1, 1907. As of the 06/30/2026 call report it carried $1.88 billion in total assets and 13 FDIC-reported offices, an average of about $144 million per office.
How FirstBank Southwest appears on your credit report
FirstBank Southwest is a regional lender headquartered in Amarillo, TX, with 13 FDIC-reported offices and $1.88 billion in assets, on a charter 119 years old. At this size a single account is often handled by a small team, which cuts both ways — errors are less likely to be systemic, but when one occurs there may be no automated process to catch it. A precise written dispute naming the exact field that is wrong tends to work better here than a general statement of disagreement.
Names it may report under
Products that commonly show up
- ◆Residential mortgages retained in portfolio rather than sold to an investor
- ◆Auto and other secured consumer loans booked at FirstBank Southwest offices
- ◆Overdraft lines of credit attached to FirstBank Southwest deposit accounts
Grounds to dispute a FirstBank Southwest entry
Each of these is a reason a FirstBank Southwest tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Closed FirstBank Southwest deposit-secured line still reporting as an open revolving account
- ◆Loan modified or deferred by FirstBank Southwest but still reporting the original delinquent status
- ◆Escrow or fee advance reported as a missed consumer payment
- ◆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
FirstBank Southwest 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, FirstBank Southwest 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 FirstBank Southwest a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
FirstBank Southwest questions, answered
Is FirstBank Southwest FDIC-insured, and what is its certificate number?
Yes. FirstBank Southwest holds FDIC certificate 3387. The FDIC record shows a charter established January 1, 1907, headquarters in Amarillo, TX, and 13 FDIC-reported offices with $1.88 billion in total assets as of the 06/30/2026 call report. It is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator.
Who regulates FirstBank Southwest, and where do I escalate if a dispute fails?
FirstBank Southwest is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, so its primary federal oversight comes from the FDIC, working alongside the state banking department. If a dispute with the bank and the bureaus both fail, you can complain to the FDIC, to the TX state regulator, or to the CFPB. That does not replace your FCRA rights — it is an escalation path on top of them.
How old is the FirstBank Southwest charter, and why does that matter for my credit report?
FirstBank Southwest's charter predates the Federal Reserve (1913) and federal deposit insurance (1933) entirely — it was established in 1907 and later became an FDIC-insured institution. A charter that old frequently sits behind decades of mergers, so an old account may have been opened under a predecessor name. If the tradeline you are disputing shows a name you do not recognise, ask FirstBank Southwest in writing which predecessor institution originated it; the furnisher is obliged to report the account accurately regardless of how many name changes it has been through.
How big is FirstBank Southwest, and what does that mean for disputing an account?
FirstBank Southwest reports $1.88 billion across 13 FDIC-reported offices — roughly $144 million per office. The FDIC's office figure counts all reported locations, including non-retail ones such as loan-production sites, so it should be read as a reported footprint rather than a branch count. For a dispute, the practical point is that an institution this size normally handles consumer files with identifiable staff rather than a fully automated queue.
How do I dispute a FirstBank Southwest account on my credit report?
You have two free routes and you can use both yourself without paying anyone. Under FCRA §611 you may dispute with Equifax, Experian and TransUnion, and under FCRA §623 you may dispute directly with FirstBank Southwest as the furnisher. Put it in writing, identify the account by its last four digits and open date, state specifically what is inaccurate rather than simply saying you disagree, and keep copies and proof of delivery. Whether an item changes depends entirely on what FirstBank Southwest can verify, and results vary from case to case.
Does TX law change anything about a FirstBank Southwest account?
Keep two clocks separate. The FCRA reporting window is federal and does not vary by state. Your state's statute of limitations — how long anyone can successfully sue you — is separate and independent: a debt can be too old to sue over yet still report legitimately, or drop off your report while remaining collectable. FirstBank Southwest being headquartered in Amarillo, TX does not make TX law automatically yours; the limitation period usually follows where you live and what the contract says. Check your own state's rule, and note that making a payment restarts that clock in many states.
How long can a FirstBank Southwest account stay on my credit report?
Generally up to seven years from the date of first delinquency on that FirstBank Southwest account — the original missed payment that was never brought current — not seven years from when it was charged off, sold, or last updated. Transferring the account to another servicer does not restart it either. If FirstBank Southwest or a later owner has moved that date forward, the re-aging is itself an FCRA inaccuracy and is worth disputing on its own, separately from whether you owe the balance.
Does FirstBank Southwest appear in the CFPB complaint database?
We do not publish a complaint figure for FirstBank Southwest. The CFPB database is keyed to company names that do not map cleanly onto FDIC certificate 3387, and attributing another company's complaint volume to this bank would be inaccurate. If you want to check for yourself, search the CFPB's public complaint database directly by company name. If you have an unresolved problem with this bank you can also file your own complaint there at no cost.
What is the difference between disputing with FirstBank Southwest and disputing with a collection agency?
FirstBank Southwest furnishes the account itself; a collection agency only handles it after the fact. Practically, that means the FDCPA's validation right under §809 is available against the agency but not against FirstBank Southwest, while the FCRA §623 accuracy duty applies to FirstBank Southwest directly. If both appear on your report for the same debt, check that they are not reporting duplicate balances — one account should not show as two open obligations.
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 FirstBank Southwest; 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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