Question 1

What is Texas First Bank?

Accepted Answer

Texas First Bank is a privately held, state-chartered community bank headquartered in Texas City, Texas. The bank serves the Texas Gulf Coast region and operates 27 full-service banking centers and 52 ATM locations across seven counties in Southeast Texas. With approximately $2.3 billion in assets, Texas First Bank specializes in community banking with a focus on personalized service and relationship building.

The bank is a subsidiary of Texas Independent Bancshares, Inc. and has operated under a Subchapter S Corporation structure since 2014. Texas First Bank celebrated its 50th anniversary in 2023, marking five decades of serving Texas communities.

Question 2

When was Texas First Bank founded?

Accepted Answer

Texas First Bank was founded in 1973 when a group of investors organized by Charles T. "Chuck" Doyle purchased the First State Bank of Hitchcock. The founding group set an ambitious goal to establish a network of community banks in all ten incorporated cities in Galveston County by the end of the twentieth century.

Throughout the 1970s and 1980s, the organization expanded by chartering new banks and making strategic acquisitions in the Galveston County area. On August 3, 1995, all affiliated banks were consolidated under a single brand name—Texas First Bank—creating a unified identity for the institution.

Question 3

Where is Texas First Bank headquartered?

Accepted Answer

Texas First Bank is headquartered in Texas City, Texas, located in Galveston County. Texas City is part of the Houston-The Woodlands-Sugar Land metropolitan statistical area, positioning the bank at the heart of one of the nation's largest economic regions.

Question 4

Where does Texas First Bank operate?

Accepted Answer

Texas First Bank operates 27 banking centers across seven counties in Southeast Texas: Galveston, Chambers, Brazoria, Harris, Jefferson, Montgomery, and Liberty. The bank maintains a strong presence throughout the Greater Houston area, including locations in Houston, The Woodlands, Spring, Conroe, Pearland, League City, Friendswood, Pasadena, and Baytown.

The bank also serves communities along the Texas Gulf Coast, including Galveston, Texas City, Santa Fe, La Marque, Dickinson, Beaumont, Winnie, and Crystal Beach. In addition to its traditional banking centers, Texas First Bank operates specialized SBA lending offices in Conroe, Arlington, and Pearland.

Question 5

What services does Texas First Bank offer?

Accepted Answer

Texas First Bank provides a comprehensive range of financial services through its various divisions:

Personal Banking: Checking and savings accounts, certificates of deposit, consumer loans, and debit card services. The bank offers specialized products such as the FREEDOM Checking Account for first responders, military personnel, nurses, and educators.

Commercial Banking: Business checking and savings accounts, commercial loans, lines of credit, and treasury management services. The bank emphasizes relationship-based business banking with local decision-making.

SBA Lending: A dedicated Small Business Administration lending division established in 2005, providing government-guaranteed loans to small businesses throughout Texas.

Mortgage Services: Residential mortgage lending through Texas First Mortgage, offering home purchase loans, refinancing, and construction loans.

Insurance Services: Comprehensive insurance products through Texas First Insurance, which was formed following the acquisitions of Rust, Ewing, Watt, and Haney Insurance (2000), Sullivan Insurance Agency (2008), and Assurance One Group (2018).

Wealth Management: Texas First Wealth Management provides investment advisory services, retirement planning, and estate planning solutions.

Digital Banking: Online banking platform and mobile app for account management, mobile check deposit, bill pay, and account transfers.

Question 6

What makes Texas First Bank unique?

Accepted Answer

Texas First Bank distinguishes itself through several notable characteristics:

Family Leadership and Continuity: The bank has remained under the leadership of the Doyle family for over 50 years. Charles T. "Chuck" Doyle serves as Chairman Emeritus and was inducted into the Texas Bankers Hall of Fame in 2015. His son Matthew T. Doyle serves as Chairman of the Board, while Chris Doyle serves as President and CEO. This continuity provides stability and a long-term community focus.

Integrated Financial Services Model: In 2024, Texas First Bank launched its first fully integrated "Texas First" location in Conroe, combining banking, insurance, SBA lending, and mortgage services under one roof. This one-stop-shop approach provides comprehensive financial solutions in a single location.

Community Banking Philosophy: Despite growing to over $2.3 billion in assets, Texas First Bank maintains its community banking roots with the tagline "Helping Texans Build Texas®." The bank emphasizes local decision-making, personalized service, and knowing customers by name.

Strategic Growth Through Acquisitions: The bank has expanded strategically through selective acquisitions of community banks and insurance agencies, including Houston Business Bank (2009), Texas Coastal Bank (2012), Hull State Bank (2014), and all Preferred Bank locations (2019).

Deep Community Involvement: Texas First Bank employees actively serve in leadership positions for local charities and organizations. The bank launched a Flood Recovery Fund in July 2025 to support Central Texas communities affected by severe flooding, pledging to match donations up to $100,000.

Question 7

What type of financial institution is Texas First Bank?

Accepted Answer

Texas First Bank is a state-chartered community bank regulated by the Texas Department of Banking and insured by the Federal Deposit Insurance Corporation (FDIC). As a community bank, Texas First Bank focuses on serving local markets with relationship-based banking services.

The institution operates as a true community bank model, emphasizing local ownership, community reinvestment, and personalized service. Unlike large national banks, Texas First Bank maintains local decision-making authority and focuses on building long-term relationships with customers and communities. The bank is a member of the Independent Community Bankers of America (ICBA), reflecting its commitment to community banking principles.

Question 8

What is Texas First Bank's financial performance?

Accepted Answer

As of the most recent FDIC data from August 2022, Texas First Bank reported total assets of approximately $2.32 billion and total deposits of $2.02 billion. The bank operates 27 domestic offices across its seven-county footprint.

The bank's financial metrics demonstrate strong performance, with a return on assets (ROA) of 1.41% and a return on equity (ROE) of 14.99%. These profitability ratios exceed industry averages for community banks, reflecting efficient operations and sound lending practices. The bank's net income was reported at $24.6 million, demonstrating consistent profitability and sustainable growth.

Question 9

Who leads Texas First Bank?

Accepted Answer

Texas First Bank maintains a three-generation leadership structure within the Doyle family:

Charles T. "Chuck" Doyle serves as Chairman Emeritus after founding the institution in 1973. He became the first community banker appointed to the Federal Advisory Council to the Board of Governors of the Federal Reserve in Washington, D.C. Chuck Doyle also served as mayor of Texas City from 1990 to 2000 and has served on advisory councils for the Federal Reserve Bank of Dallas, Visa Inc., and the Independent Bankers Association of Texas.

Matthew T. Doyle, son of the founder, serves as Chairman of the Board, overseeing corporate governance and strategic planning. Matthew served as mayor of Texas City from May 2004 until May 2022 and serves on the Board of Directors for the Galveston Central Appraisal District and the Galveston Bay Foundation.

Chris Doyle serves as President and Chief Executive Officer. He has been recognized as "Houston's Most Admired For-Profit CEO" and served as director of the Federal Reserve Bank of Dallas—Houston Branch from 2015 to 2021. Chris serves on the boards of Texas Independent Bancshares Inc., Texas First Bank, Texas First Insurance, Victory Bank in Lubbock, Independent Bankers Association of Texas, CBANC, ICBA, and ICBA Payments.

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