First State Bank (Gainesville, TX)

First State Bank is a community bank chartered in 1905 in Gainesville, Texas, which it describes as the oldest state bank in Texas. Its commercial real estate group lends to business owners and investors across North and Central Texas, from construction through permanent financing.

The loan page lists land and lot acquisition, land development, commercial and residential construction, commercial and residential acquisition, and tenant finish-out. For owner-occupied locations it offers purchase or refinance of space in a building owned by another entity, and new construction on land owned by another entity. Borrowers are directed to their nearest branch rather than to a central underwriting desk.

The bank has two Gainesville locations and 12 additional offices spanning Collin, Cooke, Denton, Grayson, McLennan, Montague, and Wise counties, plus Interactive Teller Machines that extend banking hours with live video assistance. Alongside lending it offers business and personal deposit accounts, mortgage lending, merchant card services, and wealth management and trust services. Its bank NMLS number is 416695.

Loan minimums, recourse terms, and cash-out policies are not published, and the branch network is confined to North and Central Texas, so confirm both the credit terms and whether your property falls inside the bank's footprint.