State Bank of Texas on Your Credit Report
In short: State Bank of Texas runs a state-chartered commercial bank that is not a member of the Federal Reserve System out of Irving, Texas. The FDIC records certificate 27074 with a charter date of October 19, 1987 — a late-twentieth-century institution by the FDIC's own dating. On the 06/30/2026 call report State Bank of Texas reported $2.59 billion in assets and 7 offices. Because State Bank of Texas originates and keeps its own loans, it furnishes the tradeline directly — which means you can dispute with the bank under §623 and with the bureaus under §611 at the same time. 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 State Bank of Texas actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
State Bank of Texas is recorded by the FDIC under certificate 27074 as a state-chartered commercial bank that is not a member of the Federal Reserve System, established October 19, 1987 in Irving, Texas, with $2.59 billion in assets and 7 offices as of 06/30/2026.
How State Bank of Texas appears on your credit report
State Bank of Texas furnishes as the original creditor, which gives you a different and generally stronger route than disputing a collector. At 7 offices the reporting function is handled by a handful of people rather than an automated dispute mill, so precision in your letter matters more than volume. Identify the account by last four digits and open date, say precisely which field is wrong, and run the bureau dispute in parallel rather than sequentially. Whether anything changes depends on the underlying records, and that varies by account.
Names it may report under
Products that commonly show up
- ◆Personal and installment loans originated in-branch
- ◆Home loans and home-equity lines originated locally in Texas
- ◆Consumer accounts originated across its 7 Texas offices
Grounds to dispute a State Bank of Texas entry
Each of these is a reason a 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.
- ◆Payoff posted by State Bank of Texas to the wrong account number
- ◆Settled-for-less account reported by State Bank of Texas as a full charge-off
- ◆Single State Bank of Texas loan appearing twice after a systems 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
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, 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 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.
State Bank of Texas questions, answered
Is State Bank of Texas FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 27074. That record lists State Bank of Texas as a state-chartered commercial bank that is not a member of the Federal Reserve System headquartered in Irving, TX, chartered October 19, 1987, with $2.59 billion in assets across 7 FDIC-reported offices on the 06/30/2026 call report.
Who regulates State Bank of Texas, and where do I escalate if a dispute fails?
As a state-chartered commercial bank that is not a member of the Federal Reserve System, State Bank of Texas answers primarily to the FDIC and its state banking regulator. When a §623 dispute to the bank and a §611 dispute to the bureaus both come back verified and you still hold contrary documentation, the next steps are a CFPB complaint and, if needed, the private right of action FCRA §§616–617 gives you. None of that requires paying anyone.
How many credit-card complaints does the CFPB show against State Bank of Texas?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched State Bank of Texas exactly, and we will not approximate one by partial-name matching — that routinely pulls in unrelated companies with similar names. Rather than imply a count we cannot source, we leave it out. The database is public and searchable at consumerfinance.gov.
How long can a State Bank of Texas charge-off stay on my credit report?
Roughly seven years, counted from the date of first delinquency — the missed payment on the State Bank of Texas account that was never brought current. Charging off, selling or transferring the balance does not restart that clock, and a State Bank of Texas entry whose delinquency date moves forward has been re-aged.
What is the difference between disputing with State Bank of Texas and disputing with a collector?
It comes down to who holds the paperwork. State Bank of Texas has the signed application and the full payment ledger; an assignee typically received a summary file. A §623 dispute to State Bank of Texas therefore reaches the only party able to verify the detail from source.
Does State Bank of Texas report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so a 7-office bank may report to one, two or all three bureaus. Pull all three reports before assuming State Bank of Texas made an error — a balance that differs by cycle is normal, while a status or delinquency-date difference is worth a dispute.
State Bank of Texas was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. When State Bank of Texas migrates an account between core systems or through an acquisition, the old and new furnisher names can both persist. Ask for deletion of the duplicate, not a closed-status update — a closed duplicate still counts against utilization. In this case, this charter was electronic from early on, which usually means cleaner history but also means errors propagate automatically once introduced.
Can I dispute State Bank of Texas reporting myself, without paying anyone?
Yes — entirely on your own and without a fee. State Bank of Texas must investigate a §623 dispute from you just as it would from anyone else. Name the specific inaccurate field, file with the bureaus in parallel, and keep copies. Results depend on the underlying documentation.
What should I check first on State Bank of Texas reporting?
Start with the date of first delinquency, then the account status, then the high balance or limit — those three drive both the seven-year clock and the scoring weight. Given that this charter was electronic from early on, which usually means cleaner history but also means errors propagate automatically once introduced, pull your own statements and check the State Bank of Texas entry field by field. One documented error beats a broad removal request every time.
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 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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