The Bank and Trust, S.S.B. on Your Credit Report
In short: The Bank and Trust, S.S.B. is a state-chartered commercial bank that is a member of the Federal Reserve System, headquartered in Del Rio, Texas. The FDIC lists it under certificate 1184, established January 1, 1910. Its pre-Federal-Reserve charter means the bank's records span multiple eras of consumer-reporting practice. Its 06/30/2026 call report shows $584 million in total assets across 9 reported offices. Because The Bank and Trust, S.S.B. lends on its own balance sheet rather than servicing another lender's paper, it is the furnisher of record on its own tradelines, which gives you a direct FCRA §623 dispute route to the bank alongside the §611 route through the three 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 The Bank and Trust, S.S.B. actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
The Bank and Trust, S.S.B. operates under FDIC certificate 1184 from Del Rio, Texas, where its charter has run since January 1, 1910; the 06/30/2026 call report shows $584 million in total assets and 9 FDIC-reported offices.
How The Bank and Trust, S.S.B. appears on your credit report
The Bank and Trust, S.S.B. is an original creditor, not a collector, and that changes the mechanics. At $584 million in assets, credit reporting is usually handled by a compact back-office group, so a narrow, specific dispute tends to move faster than a broad one. Give the last four digits and the open date, specify the exact inaccurate field, and file with the bureaus at the same time so neither track waits on the other. Any outcome turns on the documentation behind the account, so results vary.
Names it may report under
Products that commonly show up
- ◆Personal and signature loans originated at its 9 Texas offices
- ◆Residential mortgage and HELOC accounts secured by Texas real estate
- ◆Overdraft lines and deposit-linked credit tied to The Bank and Trust, S.S.B. checking accounts
Grounds to dispute a The Bank and Trust, S.S.B. entry
Each of these is a reason a The Bank and Trust, S.S.B. 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 The Bank and Trust, S.S.B.
- ◆Charge-off reported by The Bank and Trust, S.S.B. after the account was settled in full
- ◆Duplicate Bank and Trust, S.S.B. tradeline created when the account migrated between core systems
- ◆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
The Bank and Trust, S.S.B. 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, The Bank and Trust, S.S.B. 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 The Bank and Trust, S.S.B. a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
The Bank and Trust, S.S.B. questions, answered
Is The Bank and Trust, S.S.B. FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 1184. That record lists The Bank and Trust, S.S.B. as a state-chartered commercial bank that is a member of the Federal Reserve System headquartered in Del Rio, TX, chartered January 1, 1910, with $584 million in assets across 9 FDIC-reported offices on the 06/30/2026 call report.
Who regulates The Bank and Trust, S.S.B., and where do I escalate if a dispute fails?
Supervision of The Bank and Trust, S.S.B. sits with the Federal Reserve and its state banking regulator. If the bank verifies an item you can disprove, escalate to the CFPB with your documentation attached; FCRA §§616–617 also preserve your own right to sue for negligent or willful noncompliance. You can pursue every one of these steps yourself for free.
How many credit-card complaints does the CFPB show against The Bank and Trust, S.S.B.?
We do not publish a figure for The Bank and Trust, S.S.B.. A 9-office community bank is rarely a distinct company in the CFPB's credit-card complaint data, and we do not publish counts matched by partial name, because similar names belong to unrelated companies and attributing another firm's complaints to The Bank and Trust, S.S.B. would be inaccurate. You can search the database yourself at consumerfinance.gov.
How long can a Bank and Trust, S.S.B. charge-off stay on my credit report?
A charged-off The Bank and Trust, S.S.B. account can generally report for up to seven years from the date of first delinquency — the original missed payment that was never brought current, not the date The Bank and Trust, S.S.B. charged it off and not the date it was sold to a collector. If that date has been moved forward, the re-aging is itself a reportable FCRA inaccuracy.
What is the difference between disputing with The Bank and Trust, S.S.B. and disputing with a collector?
The records sit in different places. The Bank and Trust, S.S.B. 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 The Bank and Trust, S.S.B. under §623 puts your challenge in front of whoever can actually check it against source documents.
Does The Bank and Trust, S.S.B. report to all three credit bureaus?
Not necessarily — reporting is voluntary, and a community institution may furnish to a subset of the bureaus on staggered cycles. Review all three reports side by side. Treat a balance discrepancy as a likely timing difference, but treat a conflicting account status or date of first delinquency on the Bank and Trust, S.S.B. tradeline as a genuine dispute target.
The Bank and Trust, S.S.B. was acquired or changed names — why does my report show two accounts?
Mergers and rebrands routinely cause this: a converted The Bank and Trust, S.S.B. account can appear under both the old and new furnisher name at once. Only one tradeline should survive, and the duplicate needs to be deleted rather than marked closed, since a duplicate still inflates your utilization and account count. Here, a charter predating federal deposit insurance has been through enough system migrations that stale status codes are the common defect. Identify both versions by last four digits and open date when you dispute.
Can I dispute The Bank and Trust, S.S.B. reporting myself, without paying anyone?
Yes, and at no cost. Both the §611 bureau dispute and the §623 furnisher dispute are rights you already hold — no company is required to exercise them for you. Write to The Bank and Trust, S.S.B. naming the specific field you believe is wrong, copy the bureaus, and keep proof of mailing. Outcomes depend on what the records show and vary by account.
What should I check first on The Bank and Trust, S.S.B. 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 a charter predating federal deposit insurance has been through enough system migrations that stale status codes are the common defect, pull your own statements and check the Bank and Trust, S.S.B. 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 The Bank and Trust, S.S.B.; 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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