The First National Bank of Hughes Springs on Your Credit Report
In short: The First National Bank of Hughes Springs traces its charter to 1903 and appears in the FDIC's records under certificate 3268, a national bank chartered by the Office of the Comptroller of the Currency and a member of the Federal Reserve System with its headquarters in Hughes Springs, TX. The most recent call report, dated 06/30/2026, puts it at $320 million in total assets across 16 FDIC-reported offices. Any account it reports makes The First National Bank of Hughes Springs 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 The First National Bank of Hughes Springs actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
FDIC certificate 3268 identifies The First National Bank of Hughes Springs of Hughes Springs, TX, chartered June 3, 1903. As of the 06/30/2026 call report it carried $320 million in total assets and 16 FDIC-reported offices — roughly $20 million per office — as a national bank chartered by the Office of the Comptroller of the Currency and a member of the Federal Reserve System.
How The First National Bank of Hughes Springs appears on your credit report
The First National Bank of Hughes Springs runs 16 FDIC-reported offices against $320 million in assets, a branch-dense retail profile. Accounts at this kind of bank are typically opened and serviced in person, which means the supporting paperwork — signature cards, payment receipts, deferment agreements — usually exists locally. Requesting the specific document that contradicts the tradeline is often more effective than a general assertion of disagreement.
Names it may report under
Products that commonly show up
- ◆Small-business loans backed by a personal pledge from the owner, which can report on a personal file
- ◆Home-equity lines and mortgage accounts serviced under the The First National Bank of Hughes Springs name
- ◆Consumer installment and personal loans originated by The First National Bank of Hughes Springs
Grounds to dispute a The First National Bank of Hughes Springs entry
Each of these is a reason a The First National Bank of Hughes Springs tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Business loan reporting on a personal credit file with no personal pledge on record
- ◆Payment posted at a The First National Bank of Hughes Springs office in Hughes Springs but reported late because of a processing-date mismatch
- ◆Business loan reporting on a personal credit file with no personal pledge on record
- ◆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 First National Bank of Hughes Springs 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 First National Bank of Hughes Springs 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 First National Bank of Hughes Springs a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
The First National Bank of Hughes Springs questions, answered
Is The First National Bank of Hughes Springs FDIC-insured, and what is its certificate number?
Yes. The First National Bank of Hughes Springs holds FDIC certificate 3268. The FDIC record shows a charter established June 3, 1903, headquarters in Hughes Springs, TX, and 16 FDIC-reported offices with $320 million in total assets as of the 06/30/2026 call report. It is a national bank chartered by the Office of the Comptroller of the Currency and a member of the Federal Reserve System.
Who regulates The First National Bank of Hughes Springs, and where do I escalate if a dispute fails?
The First National Bank of Hughes Springs is a national bank, so its primary federal regulator is the Office of the Comptroller of the Currency rather than the FDIC. If a dispute with the bank and with the credit bureaus both fail, the OCC operates its own consumer-complaint process (HelpWithMyBank.gov) for national banks, and the CFPB accepts complaints as well. Choosing the right regulator does not change your FCRA rights, but it does route the complaint to the agency that actually supervises The First National Bank of Hughes Springs.
How old is the The First National Bank of Hughes Springs charter, and why does that matter for my credit report?
The First National Bank of Hughes Springs was chartered in 1903, before or around the creation of federal deposit insurance in 1933. Institutions of this vintage have usually absorbed other banks along the way, which matters on a credit report because an account can still carry a predecessor's name in the furnisher field. If the name on the tradeline does not match the bank you deal with today, that is worth clarifying in writing before disputing the substance.
How big is The First National Bank of Hughes Springs, and what does that mean for disputing an account?
The First National Bank of Hughes Springs reports $320 million across 16 FDIC-reported offices — roughly $20 million per office, a retail-weighted profile. Bear in mind the FDIC's office count includes every reported location, not only retail branches, so this is a measure of reported footprint rather than a count of storefronts. In practice it means consumer accounts are likely serviced locally and the underlying paperwork can usually be retrieved from the originating office.
How do I dispute a The First National Bank of Hughes Springs 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 The First National Bank of Hughes Springs 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 The First National Bank of Hughes Springs can verify, and results vary from case to case.
Does TX law change anything about a The First National Bank of Hughes Springs 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. The First National Bank of Hughes Springs being headquartered in Hughes Springs, 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 The First National Bank of Hughes Springs account stay on my credit report?
Generally up to seven years from the date of first delinquency on that The First National Bank of Hughes Springs 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 The First National Bank of Hughes Springs 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 The First National Bank of Hughes Springs appear in the CFPB complaint database?
We do not publish a complaint figure for The First National Bank of Hughes Springs. The CFPB database is keyed to company names that do not map cleanly onto FDIC certificate 3268, 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 The First National Bank of Hughes Springs and disputing with a collection agency?
The First National Bank of Hughes Springs is the original creditor — the furnisher whose name was on the account when it was opened — while a collection agency is a third party that bought or was assigned it later. That changes your tools. Against a collector, FDCPA §809 lets you demand validation within 30 days of first contact. That right does not apply to The First National Bank of Hughes Springs; against an original creditor your leverage is the FCRA §623 accuracy duty. Different deadlines, different evidence — so check which party is actually listed as furnishing the account before you write, because sending the wrong letter to the wrong party wastes the clock.
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 First National Bank of Hughes Springs; 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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