First State Bank of Uvalde

What First State Bank of Uvalde does

First State Bank of Uvalde is a privately held, state-chartered community bank headquartered in Uvalde, Texas, operating continuously since 1907. The bank serves individuals, local businesses, and agricultural operators across the Southwest Texas region through physical branch locations complemented by web-based online banking and a mobile banking application. Its core offerings span deposit products (checking, savings, CDs, IRAs), consumer and commercial lending (mortgage, vehicle, personal, business, and agricultural loans), and supplementary services including trust services, cash management, and overdraft coverage.

The bank's technology stack consists of standard retail banking infrastructure: an online banking platform (web10.secureinternetbank.com), a mobile banking app, and third-party integrations including Zelle for peer-to-peer payments, OrderMyChecks for check ordering, and an Approved Fast-powered online mortgage application portal. No proprietary AI/ML systems, patents, or differentiated technology assets are disclosed. The operating model is community-led, emphasizing personal relationships, local loan decision-making, and specialized agricultural lending expertise for regional farmers and ranchers.

Revenue mechanics follow a conventional community bank model: primary income from interest earned across the loan portfolio (mortgage, vehicle, personal, business, agricultural), supplemented by deposit account fees, overdraft fees, ATM fees, wire transfer charges, and other transactional service charges. The bank holds no disclosed parent company, has no institutional investors listed, and operates without public ticker. With 51–100 employees and a regional Southwest Texas footprint, it operates as a traditional Main Street banking franchise rather than a high-growth financial technology platform.

Name

First State Bank of Uvalde

Legal name

First State Bank of Uvalde

Website

https://fsbuvalde.com

Company type

Private

Founded year

1907

Operating status

Operating

Headcount range

51–100 employees

Short description

First State Bank of Uvalde is a privately held community bank founded in 1907, serving individuals, local businesses, and agricultural customers across Southwest Texas with deposit accounts, consumer and commercial loans, and standard digital banking services.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

Keywords

• Community banking
• Agricultural lending
• Mortgage lending
• Small business banking
• Retail banking services

Headquarters

HQ city

Uvalde

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Interest Income: The bank generates primary revenue through interest earned on loans including mortgage loans, vehicle loans, personal loans, business loans, and agricultural loans.
2. Banking Fees and Service Charges: Revenue from account maintenance fees, overdraft fees, ATM fees, wire transfer fees, and other banking service charges.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels1 record

Core offering

First State Bank of Uvalde is a community bank providing deposit products (checking, savings, CDs, IRAs), consumer and commercial loans (mortgage, vehicle, personal, business, agricultural), and digital banking services (online and mobile banking, Zelle peer-to-peer payments) to residents, businesses, farmers, and ranchers in Southwest Texas.

Product overview

First State Bank of Uvalde offers a comprehensive community banking platform serving Southwest Texas with personal, business, and agricultural banking products. The core offering consists of traditional deposit accounts (checking, savings, CDs, IRAs) and lending products (mortgage, vehicle, personal, business, and agricultural loans) accessible through multiple channels including online and mobile banking. The bank provides integrated third-party services including Zelle for peer-to-peer payments, an external mortgage application platform, and check ordering. Business customers have access to specialized cash management services, while personal customers can access trust services and overdraft coverage. The product architecture is a unified banking platform with multiple service modules organized by customer segment (personal, business) and product type (lending, deposits, resources).

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking Accounts

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Hondo National Bank: Small community bank headquartered in Hondo, Texas (Medina County), serving South Texas with personal, business, and agricultural lending. Direct geographic and product-line peer to FSBU in a comparable rural South Texas market.
• Poteet State Bank: Independent community bank in Poteet, Texas (Atascosa County), offering deposit accounts, consumer loans, and ag lending in a small South Texas community. Highly comparable to FSBU on size, geography, and product mix.
• Medina Valley State Bank: Community bank serving Medina County and surrounding South Texas markets with personal and business banking products. Operates in the same South Texas corridor as FSBU with a similar relationship-banking model.
• First National Bank of Beeville: Long-standing community bank in Beeville, Texas (Bee County) offering deposit, consumer, and ag lending. Similar size and product scope to FSBU and serves a comparable small-town South Texas market.
• Bank of South Texas: Independently owned community bank in Alice, Texas (Jim Wells County) serving South Texas with personal, business, and ag banking. Closely comparable to FSBU on geography, customer segments, and product breadth.
• VeraBank: Texas-based community bank serving Central and East Texas with personal, business, and ag lending. Larger than FSBU but operates with a comparable community-banking philosophy and similar product suite.

Broad incumbents

• Broadway Bank: San Antonio-headquartered, family-owned community bank serving South and Central Texas. A scaled-up analog of FSBU's relationship-banking model and a natural competitor for the same Southwest Texas customers.
• Frost Bank: Large Texas regional bank (Cullen/Frost Bankers) with a full branch network including San Antonio and South Texas. Competes with FSBU across retail and small business banking; a broad incumbent rather than a direct niche peer.
• Texas Capital Bank: Texas-based commercial bank with statewide presence, including business and ag lending. Competes with FSBU in the business banking and ag financing segments, though at materially larger scale.
• Woodforest National Bank: The Woodlands, Texas-based community/regional bank with a large branch network, including retail locations within Walmart stores across Texas. Competes with FSBU for consumer deposits and small-business banking in the region.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about First State Bank of Uvalde