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Company Profile

Incredible growth in the communities we server

First State Bank, Athens, Texas, was established in 1935 as Farmers and Merchants State Bank.  As a community bank, we provided a much needed service to the farmers, ranchers and business owners in Athens and throughout Henderson County and the surrounding communities.  

Over the last eight decades we've seen incredible growth, not only in our bank but in the communities we serve.

The mission of First State Bank is to build mutually beneficial customer relationships by being the bank and employer of choice in the communities we serve.

We believe what sets us apart is our focus on customer service.  Each and every employee of our bank cares enough to get to know our customers personally.  When you walk in the door of one of our five branches, our friendly staff is always on hand to say hello. That's the way we do business, and we believe it's the cornerstone of our success.

Since those early days in the 1930s, our bank has grown tremendously, from one location in Athens to two.  We've also opened branches in Mabank, Gun Barrel City, and Malakoff. Today our five locations account for more than $340 million in assets and our employees are key members of all the communities we serve.  Despite this phenomenal growth, our commitment to customer service remains the same.

Today, through leading edge technology, customers have virtually unlimited access to account information.  They can bank on “their time,” but that doesn't mean our service levels are any less.  We still offer personal attention to our customers' financial needs and we strive to put the needs of our customers and our communities foremost in everything we do.  

Our focus on maintaining the friendliness and personal attention of a community bank is one reason we have been serving some of the same customers and their families for nearly 80 years.  At the same time, we are thrilled to welcome new customers on a daily basis.  Everything we do is focused on providing a positive banking experience for the individuals, families and businesses that trust us with their financial services.