Online Banking

Rural windmill at sunset


We offer a variety of Banking Services.

We invite you to come by the beautiful bank and meet our friendly group of helpful people. In addition, you may bank by mail, from your car, or 24 hours per day by telephone and the Internet.


The following are services we provide:

  • Online Bill-Pay

  • ATM & Debit Cards

  • Automatic Funds Transfer

  • Cashiers Checks

  • Drive Thru Banking

  • Mortgage Services

  • Night Depository

  • Notary Service

  • Safe Deposit Boxes

  • TeleBank

Online Banking First Time Login Directions


First State Bank Graham is very excited to announce that we have a new internet banking service. The new site offers all of the same functionality you have been accustomed to while introducing new features too. There will be a few setup steps you will need to complete in order to login to your online banking for the first time.

  • Use your existing login ID and click login.
  • The system will ask for your secret answer. Your secret answer is your current login ID + last four digits of your Social Security Number.
    If your login ID is jdoe and your Social Security Number is 123-45-6789, then your secret answer will be jdoe6789.
    This is just an example please do not enter jdoe6789 as your secret answer.
  • The system will then walk you through an initial registration process. You will choose new security questions, a new security image, a new security phrase, and a new password.
  • If we do not currently have an email for you on file, the system will prompt you to enter a valid email address at this time. Your email address may be used for password resets, account alerts, and bank communication.

Once again, First State Bank Graham is delighted to bring you the latest in internet banking technology. Should you have any questions or concerns, feel free to contact us at 940-549-8880.

Consumer Loans


First State Bank has an important role to play in the area of consumer loans. We offer a wide variety of these loans. Our goal is to service our customers and help them reach their goals. If you are in the market for a new or used vehicle or looking to buy a recreational vehicle, call or come by today to visit with a loan officer about your personal, consumer needs. The following are just a few of the consumer loans that are available to you.

  • Automobile Loans
  • Boat Loans
  • Motorcycle Loans
  • Recreational Vehicle Loans Manufactured Housing Loans
  • Household Goods Loans
Personal Loans and Commercial Loans


We offer loans that include working capital, term business loans and loans to individuals for business purposes. Our Accounts Receivable financing allows the bank to assist expanding companies to take advantage of purchase discounts. Through the growth of local businesses, the bank and other businesses prosper. First State Bank is dedicated to our community’s business growth. Come by and visit with a loan officer to see how we can assist you and your business in succeeding in the new year.

  • Accounts Receivable Loans
  • Equipment Loans
  • Floor Plan Loans
  • Inventory Loans Oil & Gas Loans
  • Fixtures Loans
Transportation Loans / Real Estate Loans


Owning a home is a major objective of most families. Whether you are in the market to buy a home, build a new home or just improve your existing home, we have the loan to suit your individual needs. Through the growth of the community, we will insure a strong, sure economy. First State Bank is dedicated to the community and serving the needs of our local families.

  • Home Loans
  • Construction Loans
  • Home Improvement Loans Unimproved Real Estate Loans
  • Improved Real Estate Loan
Mobile Banking Apps


Mobile Banking Apps

Agricultural Loans


Agriculture is a very essential and vital part of the Texas economy. It has undergone extensive changes in recent years as farmers throughout the area have become more efficient and productive. First State Bank is dedicated to the area farmers and are here to help out in these lending areas.

  • Crop Loans
  • Farm Equipment Loans Livestock Loans
  • Land Loans