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Banking Built Around What’s Next
Waco is growing, building and moving forward and we're proud to be part of it.
At First State Bank, we believe banking should be about more than transactions. It's about relationships, local communities and helping our customers move toward what's next.
Whether that's opening your first account, buying a home, expanding your business or planning for the next generation, our team is ready to help.
Personal Banking
Banking for everyday life and everything you're working toward.
Checking • Savings • CDs • Personal Loans
Mortgage & Home Lending
From your first home to your next one, explore mortgage options with guidance along the way.
Home Loans • Construction Loans • Refinancing • First-Time Homebuyers
Business Banking & Lending
Your business has plans. Let's talk about how we can help you move them forward.
Business Banking • Commercial Lending • Commercial Real Estate • Lines of Credit
Treasury Management
Tools and services designed to help businesses manage cash flow and simplify financial operations.
Wealth Management & Trust
Personalized guidance to help you manage, preserve and plan for your financial future.
A Local Bank for Waco Businesses
Waco businesses are building what's next, and First State Bank is here to help.
From everyday business banking to financing growth, our team works with business owners to understand their goals and connect them with financial solutions designed to help move their businesses forward.
Business Checking | Business Loans | Lines of Credit | Equipment Financing | Commercial Real Estate | Treasury Management Services
Explore Business Banking & Lending →
Mortgage Lending in Waco, TX
Buying or building a home is a big step. First State Bank offers mortgage solutions for homebuyers in Waco and the surrounding area, with guidance to help you understand your options from application through closing.
Conventional | FHA | VA | USDA | Construction | First-Time Homebuyer | Down Payment Assistance
Explore Waco Mortgage Options →
Visit First State Bank in Waco
First State Bank – Waco
719 N. New Rd.
Waco, TX 76710
Phone: (254) 313-1038
Lobby Hours:
Mon - Thu 9:00 a.m. - 4:00 p.m.
Friday 9:00 a.m. - 5:00 p.m.
Does First State Bank have a bank in Waco, TX?
Yes. First State Bank serves customers in Waco, Texas, with banking solutions for individuals, families and businesses. Visit our Waco location or connect with our team to learn more about the services available.
Does First State Bank offer mortgage loans in Waco, TX?
Yes. First State Bank offers mortgage lending for homebuyers in the Waco area including:
- Conventional
- FHA
- VA
- USDA
- JUMBO
- Manufactured Homes
- Down Payment Assistance
Does First State Bank offer business banking in Waco?
Yes. First State Bank serves Waco-area businesses with business banking and lending solutions, including Business Checking, Lines of Credit, Equipment Financing, Commercial Real Estate and Treasury Management Services.
Does First State Bank offer commercial loans in Waco, TX?
Yes. First State Bank provides commercial lending solutions for businesses in Waco and Central Texas, including commercial real estate, equipment loans, agricultural loans, lines of credit and many more.
Can I get a construction loan in Waco?
Our team is here to help you find the right construction loan for your project. Visit our Construction Lending Team page to connect with a lender near you.
Can first-time homebuyers get a mortgage through First State Bank in Waco?
Yes. First State Bank helps first-time homebuyers in Waco explore mortgage options that fit their needs. Our mortgage team can guide you through the process, from understanding available loan programs and down payment options to pre-approval and closing, so you can feel confident taking the next step toward homeownership.
Where is First State Bank located in Waco?
First State Bank's Waco banking center is located at 719 N. New Rd Waco, TX, serving customers throughout Waco and the surrounding Central Texas area.
Whatever's next, let's get there together.
From homeownership and business growth to everyday banking and long-term planning, First State Bank is here to help Waco move forward.
More than a bank. A community partner.