Texas Bank on Your Credit Report
In short: Texas Bank is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, operating from Henderson, TX on a charter established in 1973. FDIC certificate 21074 records 13 FDIC-reported offices and $954 million in total assets on the 06/30/2026 call report. Any account it reports makes Texas Bank the furnisher of that tradeline, which is what gives you a direct FCRA §623 dispute route against the bank and not only against 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 Texas Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Texas Bank has been in continuous operation for 53 years, chartered May 5, 1973 and carried on the FDIC's books as certificate 21074. Its 06/30/2026 call report shows 13 FDIC-reported offices and $954 million in total assets, averaging roughly $73 million per office.
How Texas Bank appears on your credit report
Texas Bank furnishes its own tradelines rather than selling them to a servicer, and at $954 million over 13 FDIC-reported offices it does so from a single TX operation. A 53-year-old charter of this size often carries accounts through legacy core systems, which is exactly where date and status fields get mangled — so ask in writing what the furnished date of first delinquency is and compare it against your own records.
Names it may report under
Products that commonly show up
- ◆Agricultural and equipment loans carried on the consumer file when personally obligated
- ◆Credit lines tied to a Texas Bank relationship account
- ◆Small-business loans backed by a personal pledge from the owner, which can report on a personal file
Grounds to dispute a Texas Bank entry
Each of these is a reason a Texas Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Authorised-user or co-borrower account reported as the primary obligation
- ◆Closed Texas Bank deposit-secured line still reporting as an open revolving account
- ◆Loan modified or deferred by Texas Bank but still reporting the original delinquent status
- ◆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
Texas 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, Texas 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 Texas Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Texas Bank questions, answered
Is Texas Bank FDIC-insured, and what is its certificate number?
Yes. Texas Bank holds FDIC certificate 21074. The FDIC record shows a charter established May 5, 1973, headquarters in Henderson, TX, and 13 FDIC-reported offices with $954 million 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 Texas Bank, and where do I escalate if a dispute fails?
Texas Bank 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 Texas Bank charter, and why does that matter for my credit report?
Texas Bank's charter dates to May 5, 1973, making it 53 years old — modern enough that the FCRA already governed consumer reporting when it opened, but old enough to have been through at least one core-system migration. Those migrations are a common source of duplicated or re-dated tradelines, so if you see two entries for one Texas Bank account, dispute the duplicate specifically rather than the balance.
How big is Texas Bank, and what does that mean for disputing an account?
Texas Bank reports $954 million across 13 FDIC-reported offices — roughly $73 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 Texas Bank 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 Texas Bank 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 Texas Bank can verify, and results vary from case to case.
Does TX law change anything about a Texas Bank 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. Texas Bank being headquartered in Henderson, 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 Texas Bank account stay on my credit report?
Seven years from the date of first delinquency is the general rule for a Texas Bank tradeline. The date that matters is when the account first went delinquent and stayed that way — not when Texas Bank charged it off or when it was last reported. If the account has been re-aged so that it will report longer than it should, the wrong date is an FCRA inaccuracy in its own right and can be disputed separately from the debt.
Does Texas Bank appear in the CFPB complaint database?
We do not publish a complaint figure for Texas Bank. The CFPB database is keyed to company names that do not map cleanly onto FDIC certificate 21074, 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 Texas Bank and disputing with a collection agency?
An original creditor like Texas Bank and a collection agency are governed by different laws, and sending the wrong letter costs you time. Texas Bank is the furnisher, so FCRA §623 accuracy is the lever. A collector is an FDCPA entity, and §809 gives you 30 days from its first contact to demand validation of the debt. Confirm from the report itself which one is furnishing the tradeline you want corrected before drafting anything.
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 Texas 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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