US Bank Directory
Banks in Wharton, TX
4 FDIC-insured banks operate 6 offices in Wharton, Texas, and 2 credit unions have 2 offices.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026.
Bank branch map: Wharton
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: 6 banks and credit unions operate 8 locations in Wharton, according to the FDIC and the NCUA. 8 of them have coordinates on record and are on the map. 2 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
8 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 Wharton
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Prosperity Bank and NewFirst National Bank have the most locations in Wharton, with 2 each. 2 banks 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.
NewFirst National Bank Bank · 2
NewFirst National Bank has 2 branches in Wharton, 9 across Texas and 9 nationwide. FDIC records list its main office in El Campo, TX and show it operating since 1902. With $934.9 million in total assets on June 30, 2026, it ranks No. 1,114 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Wharton location is the Wharton Branch at 101 E Milam St, dating to 1916; the newest, at 117 E Milam St, to 1989. It does not publish hours in the sources this page uses; check its site before you go.
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Wharton Branch101 E Milam St, 77488
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Wharton Drive-In Branch117 E Milam St, 77488
Prosperity Bank Bank · 2
Prosperity Bank has 2 branches in Wharton, 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. In FDIC branch records, its longest-running Wharton location is the Wharton Branch at 143 W Burleson St, dating to 1898; the newest, at 1610 N Alabama Rd, to 1988. It does not publish hours in the sources this page uses; check its site before you go.
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Wharton Branch143 W Burleson St, 77488
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Wharton Branch1610 N Alabama Rd, 77488
Texasgulf Credit Union Credit union · 1
Texasgulf Credit Union has 1 office in Wharton, 2 across Texas. It is based in Wharton, TX and $221.5 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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Main Office main office2101 N Fulton St, 77488
All hours
Mon to Fri 8 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
The First State Bank Bank · 1
The First State Bank has 1 branch in Wharton, 15 across Texas and 15 nationwide. FDIC records list its main office in Louise, TX and show it operating since 1956. With $895.2 million in total assets on June 30, 2026, it ranks No. 1,155 of 4,232 U.S. banks by total assets. The Wharton Branch at 505 E Boling Hwy dates to 1998 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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Wharton Branch505 E Boling Hwy, 77488
Wharton County Teachers Credit Union Credit union · 1
Wharton County Teachers Credit Union has 1 office in Wharton, 1 across Texas. It is based in Wharton, TX and $7.5 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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Main Office main office2114 Junior College Blvd, 77488
All hours
Mon to Fri 2 pm to 5:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Woodforest Bank · 1
Woodforest has 1 branch in Wharton, 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 Wharton Wal-Mart Branch at 10388 Us 59 Hwy 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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Wharton Wal-Mart Branch10388 Us 59 Hwy, 77488
Join a credit union in Wharton
2 credit unions have 2 offices here: Texasgulf Credit Union and Wharton County Teachers 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 Wharton page has every office in the state's directory.
Banking in Wharton: the local picture
Short answer: 4 banks run 6 branches in Wharton 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 4 banks, 0 have their main office in Wharton, 4 elsewhere in Texas, according to the FDIC.
The bank with the longest record here is NewFirst National Bank, operating since 1902 according to the FDIC. In FDIC branch records, the longest-running branch is Prosperity Bank's office at 143 W Burleson St, dating to 1898; the newest is Woodforest's at 10388 Us 59 Hwy, from 2007.
2 credit unions have 2 offices in Wharton, according to the NCUA. Who can join each one is on the credit unions page.
Of the 2 locations with published hours. None open on Saturday. 6 locations have no published hours in these sources.
Saturday hours in Wharton
Short answer: None of the 2 Wharton locations with published hours lists Saturday hours. 6 locations do not publish hours in these sources; call ahead.
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; 6 of the 8 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 Wharton, and where the nearest one is if they do not.
Short answer: No branches in Wharton: Chase (nearest in Rosenberg, 26 mi), Wells Fargo (nearest in Rosenberg, 25 mi), Bank of America (nearest in Rosenberg, 26 mi), PNC Bank (nearest in Richmond, 27 mi), U.S. Bank (nearest in Houston, 47 mi), Truist (nearest in Sugar Land, 34 mi), Fifth Third Bank (nearest in Sugar Land, 34 mi), Huntington (nearest in Wallis, 22 mi), Regions Bank (nearest in Rosenberg, 26 mi), TD Bank, BMO (nearest in Dallas, 244 mi).
| Bank | In Wharton | Nearest branch if none here |
|---|---|---|
| Chase | None | Rosenberg, 26 miles away |
| Wells Fargo | None | Rosenberg, 25 miles away |
| Bank of America | None | Rosenberg, 26 miles away |
| PNC Bank | None | Richmond, 27 miles away |
| U.S. Bank | None | Houston, 47 miles away |
| Truist | None | Sugar Land, 34 miles away |
| Fifth Third Bank | None | Sugar Land, 34 miles away |
| Huntington | None | Wallis, 22 miles away |
| Regions Bank | None | Rosenberg, 26 miles away |
| TD Bank | None | none in Texas |
| BMO | None | Dallas, 244 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Wharton 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 Wharton residents like anyone else.
Banks near Wharton
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are El Campo (13 miles) and East Bernard (15 miles). Rosenberg, 26 miles away, has the most banks nearby: 11.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in El Campo, TX | 13 mi | 5 | 6 |
| Banks in East Bernard, TX | 15 mi | 3 | 3 |
| Banks in Needville, TX | 17 mi | 3 | 3 |
| Banks in Wallis, TX | 22 mi | 2 | 2 |
| Banks in Bay City, TX | 25 mi | 5 | 5 |
| Banks in Rosenberg, TX | 26 mi | 11 | 12 |
| Banks in Fulshear, TX | 29 mi | 3 | 3 |
| Banks in West Columbia, TX | 30 mi | 2 | 2 |
Bank branch openings and closings in Wharton
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Wharton 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 Wharton
Short answer: 2 institutions have their main office in Wharton: Texasgulf Credit Union and Wharton County Teachers Credit Union.
| Institution | Type | Total assets, March 31, 2026 | Offices here |
|---|---|---|---|
| Texasgulf Credit Union | Credit union | $221.5 million | 1 |
| Wharton County Teachers Credit Union | Credit union | $7.5 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Wharton by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Wharton offices.
Short answer: Prosperity Bank is the largest bank with offices in Wharton, with $43.88 billion in total assets on June 30, 2026, No. 54 among U.S. banks by total assets. Woodforest is second with $8.98 billion. 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 | 2 | El Campo, TX |
| Woodforest | $8.98 billion | No. 181 | 1 | The Woodlands, TX |
| NewFirst National Bank | $934.9 million | No. 1,114 | 2 | El Campo, TX |
| The First State Bank | $895.2 million | No. 1,155 | 1 | Louise, 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 Wharton: FAQ
How many banks are in Wharton, TX?
Wharton has 4 banks with 6 branches and 2 credit unions with 2 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 Wharton?
Prosperity Bank, with 2. NewFirst National Bank has 2 and Woodforest has 1.
Is there a Prosperity Bank in Wharton, TX?
Yes. FDIC data lists 2 Prosperity Bank branches in Wharton as of September 5, 2026. Its branches are listed under Prosperity Bank above, with the address and directions for each.
Is there a NewFirst National Bank in Wharton, TX?
Yes. FDIC data lists 2 NewFirst National Bank branches in Wharton as of September 5, 2026. Its branches are listed under NewFirst National Bank above, with the address and directions for each.
Is there a Woodforest in Wharton, TX?
Yes. FDIC data lists 1 Woodforest branch in Wharton as of September 5, 2026. The address and directions are under Woodforest above.
Is there a Chase in Wharton, TX?
No. FDIC data lists no Chase branch in Wharton as of September 5, 2026. The nearest is in Rosenberg, about 26 miles away in a straight line.
Which banks in Wharton are open on Saturday?
None of the 2 locations with published hours lists Saturday hours. 6 locations do not publish hours in our sources; call ahead.
Which banks are headquartered in Wharton?
Texasgulf Credit Union and Wharton County Teachers Credit Union have their main office in Wharton, according to the FDIC and the NCUA.
What is the oldest bank in Wharton?
NewFirst National Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1902.
Which credit unions can I join in Wharton?
Texasgulf Credit Union and Wharton County Teachers Credit Union have offices in Wharton. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Wharton 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 Wharton?
Nearby cities with more banks include El Campo, East Bernard, Needville. El Campo is 13 miles away with 5 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 2 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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