US Bank Directory
Banks in Gainesville, TX
6 FDIC-insured banks operate 8 offices in Gainesville, Texas, and 3 credit unions have 3 offices.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026.
Bank branch map: Gainesville
Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.
Short answer: 9 banks and credit unions operate 11 locations in Gainesville, according to the FDIC and the NCUA. 11 of them have coordinates on record and are on the map. 3 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
11 locations on the map
Tap a cluster to zoom in
Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.
All banks and credit unions in Gainesville
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: First State Bank has the most locations in Gainesville, with 3. The other 5 each have a single office in the city. Open any bank to see each address, today's hours where the bank publishes them and the phone number.
First State Bank Bank · 3
First State Bank has 3 branches in Gainesville, 14 across Texas and 14 nationwide. FDIC records list its main office in Gainesville, TX and show it operating since 1905. With $1.85 billion in total assets on June 30, 2026, it ranks No. 640 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Gainesville location is its main office at 801 E California St, dating to 1905; the newest, at 6586 Fm 902, to 1998. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office801 E California St, 76240
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Lake Kiowa Branch6586 Fm 902, 76240
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North Texas Branch808 E Highway 82, 76240
4u Credit Union Credit union · 1
4u Credit Union has 1 office in Gainesville, 5 across Texas. It is based in Gainesville, TX and $152.0 million in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.
Who can join: see the credit union's site.
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Main Office main office1312 Lawrence St, 76240
All hours
Mon to Fri 9 am to 4:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
City Credit Union Credit union · 1
City Credit Union has 1 office in Gainesville, 6 across Texas. It is based in Dallas, TX and $630.5 million in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.
Who can join: see the credit union's site.
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Gainesville406 N Grand Ave Suite 101, 76240
All hours
Mon to Thu 9 am to 4 pm; Fri 8 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Datcu Credit Union Credit union · 1
Datcu Credit Union has 1 office in Gainesville, 16 across Texas. It is based in Denton, TX and $1.77 billion in assets on March 31, 2026, according to its NCUA call report. It opens on Saturday.
Who can join: see the credit union's site.
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Gainesville834 Us Hwy 82 Suite 104, 76240
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 1 pm; Sun not published
Hours: NCUA, March 31, 2026
First United Bank Bank · 1
First United Bank has 1 branch in Gainesville, 43 across Texas and 85 nationwide. FDIC records list its main office in Durant, OK and show it operating since 1900. With $16.59 billion in total assets on June 30, 2026, it ranks No. 119 of 4,232 U.S. banks by total assets. The Gainesville Branch at 101 E Broadway St dates to 1926 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Gainesville Branch101 E Broadway St, 76240
Muenster State Bank Bank · 1
Muenster State Bank has 1 branch in Gainesville, 2 across Texas and 2 nationwide. FDIC records list its main office in Muenster, TX and show it operating since 1923. With $227.0 million in total assets on June 30, 2026, it ranks No. 2,843 of 4,232 U.S. banks by total assets. The Msb Gainesville Banking Center at 1601 West Highway 82 dates to 2007 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Msb Gainesville Banking Center1601 West Highway 82, 76240
Prosperity Bank Bank · 1
Prosperity Bank has 1 branch in Gainesville, 388 across Texas and 354 nationwide. FDIC records list its main office in El Campo, TX and show it operating since 1949. With $43.88 billion in total assets on June 30, 2026, it ranks No. 54 of 4,232 U.S. banks by total assets. The Gainesville Branch at 201 E California St dates to 1933 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Gainesville Branch201 E California St, 76240
Simmons Bank Bank · 1
Simmons Bank has 1 branch in Gainesville, 46 across Texas and 230 nationwide. FDIC records list its main office in Pine Bluff, AR and show it operating since 1903. With $24.73 billion in total assets on June 30, 2026, it ranks No. 87 of 4,232 U.S. banks by total assets. The Gainesville Branch at 1112 E California St dates to 2007 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Gainesville Branch1112 E California St, 76240
Woodforest Bank · 1
Woodforest has 1 branch in Gainesville, 214 across Texas and 743 nationwide. FDIC records list its main office in The Woodlands, TX and show it operating since 1980. With $8.98 billion in total assets on June 30, 2026, it ranks No. 181 of 4,232 U.S. banks by total assets. The 0772 Gainesville Wal-Mart Branch at 1800 Lawrence St dates to 2006 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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0772 Gainesville Wal-Mart Branch1800 Lawrence St, 76240
Join a credit union in Gainesville
3 credit unions have 3 offices here: Datcu Credit Union, City Credit Union and 4u Credit Union. Each office is listed above with the phone and the hours it filed with the NCUA (call report as of March 31, 2026). Who can join each one is on its own site; the credit unions in Gainesville page has every office in the state's directory.
Banking in Gainesville: the local picture
Short answer: 6 banks run 8 branches in Gainesville according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.
Of the 6 banks, 1 has its main office in Gainesville, 3 elsewhere in Texas and 2 out of state, according to the FDIC.
The bank with the longest record here is First United Bank, operating since 1900 according to the FDIC. In FDIC branch records, the longest-running branch is First State Bank's office at 801 E California St, dating to 1905; the newest is Simmons Bank's at 1112 E California St, from 2007.
3 credit unions have 3 offices in Gainesville, according to the NCUA. Who can join each one is on the credit unions page.
Of the 3 locations with published hours. 1 opens on Saturday. 8 locations have no published hours in these sources.
Credit unions open on Saturday in Gainesville
Short answer: 1 of the 3 Gainesville locations with published hours opens on Saturday, run by 1 institution.
- Datcu Credit Union: 1 of 1 office (834 Us Hwy 82 Suite 104: Saturday 9 am to 1 pm)
Credit union hours are the text each credit union filed with the NCUA, call report as of March 31, 2026; a day the filing does not mention is shown as not published, never as closed. Bank branches show hours only where the bank publishes them in a source this page uses; 8 of the 11 locations here have no published hours yet. The source and date sit under each office. Banks and credit unions often close on Federal Reserve holidays; call ahead.
Chase, Bank of America and other national banks
Which big national banks have branches in Gainesville, and where the nearest one is if they do not.
Short answer: No branches in Gainesville: Chase (nearest in Denton, 27 mi), Wells Fargo (nearest in Denton, 27 mi), Bank of America (nearest in Cross Roads, 29 mi), PNC Bank (nearest in Denton, 27 mi), U.S. Bank (nearest in Dallas, 47 mi), Truist (nearest in Denton, 30 mi), Fifth Third Bank (nearest in Frisco, 37 mi), Huntington (nearest in Celina, 29 mi), Regions Bank (nearest in Frisco, 33 mi), TD Bank, BMO (nearest in Dallas, 60 mi).
| Bank | In Gainesville | Nearest branch if none here |
|---|---|---|
| Chase | None | Denton, 27 miles away |
| Wells Fargo | None | Denton, 27 miles away |
| Bank of America | None | Cross Roads, 29 miles away |
| PNC Bank | None | Denton, 27 miles away |
| U.S. Bank | None | Dallas, 47 miles away |
| Truist | None | Denton, 30 miles away |
| Fifth Third Bank | None | Frisco, 37 miles away |
| Huntington | None | Celina, 29 miles away |
| Regions Bank | None | Frisco, 33 miles away |
| TD Bank | None | none in Texas |
| BMO | None | Dallas, 60 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Gainesville to the nearest branch in Texas.
What your savings could earn
National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.
Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.
| Offer | Bank | APY | Term | Minimum |
|---|---|---|---|---|
| Savings | CIT Bank | 3.75% | none | $5,000 |
| Savings | Barclays | 3.50% | none | $0 |
| Savings | Marcus by Goldman Sachs | 3.40% | none | $0 |
| CD | Synchrony Bank | 4.35% | 60 Months | $0 |
| CD | Marcus by Goldman Sachs | 4.35% | 24 Months | $500 |
| CD | American Express National Bank | 4.25% | 10 Months | $0 |
Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Gainesville residents like anyone else.
Banks near Gainesville
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Whitesboro (13 miles) and Muenster (14 miles). Whitesboro, 13 miles away, has the most banks nearby: 4.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Whitesboro, TX | 13 mi | 4 | 4 |
| Banks in Muenster, TX | 14 mi | 3 | 3 |
| Banks in Sanger, TX | 18 mi | 3 | 3 |
| Banks in Pilot Point, TX | 19 mi | 3 | 3 |
| Banks in Gunter, TX | 25 mi | 2 | 2 |
| Banks in Krum, TX | 26 mi | 3 | 3 |
| Banks in Aubrey, TX | 26 mi | 3 | 3 |
| Banks in Pottsboro, TX | 28 mi | 2 | 2 |
Bank branch openings and closings in Gainesville
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Gainesville between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Banks and credit unions based in Gainesville
Short answer: 2 institutions have their main office in Gainesville: First State Bank and 4u Credit Union.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| First State Bank | Bank | $1.85 billion | 3 |
| 4u Credit Union | Credit union | $152.0 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Gainesville by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Gainesville offices.
Short answer: Prosperity Bank is the largest bank with offices in Gainesville, with $43.88 billion in total assets on June 30, 2026, No. 54 among U.S. banks by total assets. Simmons Bank is second with $24.73 billion. 1 of the 6 bank is headquartered here. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Prosperity Bank | $43.88 billion | No. 54 | 1 | El Campo, TX |
| Simmons Bank | $24.73 billion | No. 87 | 1 | Pine Bluff, AR |
| First United Bank | $16.59 billion | No. 119 | 1 | Durant, OK |
| Woodforest | $8.98 billion | No. 181 | 1 | The Woodlands, TX |
| First State Bank | $1.85 billion | No. 640 | 3 | Gainesville, TX |
| Muenster State Bank | $227.0 million | No. 2,843 | 1 | Muenster, TX |
Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.
Banks in Gainesville: FAQ
How many banks are in Gainesville, TX?
Gainesville has 6 banks with 8 branches and 3 credit unions with 3 offices, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Which bank has the most branches in Gainesville?
First State Bank, with 3. Prosperity Bank has 1 and Simmons Bank has 1.
Is there a First State Bank in Gainesville, TX?
Yes. FDIC data lists 3 First State Bank branches in Gainesville as of September 5, 2026, the main office at 801 E California St. Its branches are listed under First State Bank above, with the address and directions for each.
Is there a Prosperity Bank in Gainesville, TX?
Yes. FDIC data lists 1 Prosperity Bank branch in Gainesville as of September 5, 2026. The address and directions are under Prosperity Bank above.
Is there a Simmons Bank in Gainesville, TX?
Yes. FDIC data lists 1 Simmons Bank branch in Gainesville as of September 5, 2026. The address and directions are under Simmons Bank above.
Is there a Chase in Gainesville, TX?
No. FDIC data lists no Chase branch in Gainesville as of September 5, 2026. The nearest is in Denton, about 27 miles away in a straight line.
Which banks in Gainesville are open on Saturday?
Datcu Credit Union publishes Saturday hours for one or more Gainesville locations. The Saturday section above lists each one with its hours. 8 of the 11 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Gainesville?
First State Bank and 4u Credit Union have their main office in Gainesville, according to the FDIC and the NCUA.
What is the oldest bank in Gainesville?
First United Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1900.
Which credit unions can I join in Gainesville?
Datcu Credit Union, City Credit Union and 4u Credit Union have offices in Gainesville. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Gainesville in the past year?
FDIC branch records show no branch openings between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Where can I find more banks near Gainesville?
Nearby cities with more banks include Whitesboro, Muenster, Sanger. Whitesboro is 13 miles away with 4 banks.
How we build this page
Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.
| Data | Source | License | Updated | Data as of |
|---|---|---|---|---|
| FDIC-insured banks: branches, main offices, total assets, dates established | FDIC BankFind Suite API | Public data (U.S. government) | Monthly import | Sep 5, 2026 |
| Credit union offices, phones and hours as filed with the NCUA, total assets | NCUA call report data | Public data (U.S. government) | Quarterly import | Mar 31, 2026 |
| Map coordinates of 3 credit union offices whose NCUA record has none, from the office address | U.S. Census Bureau Geocoder | Public data (U.S. government) | With each NCUA import | Oct 19, 2026 |
| Savings and CD rates, national averages | Banrox Bank Rates | Banrox, from the banks' own rate pages and FDIC national rates | Weekly | see each rate |
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