Banks in Whitesboro, TX

Bank branch map: Whitesboro

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: 5 banks and credit unions operate 5 locations in Whitesboro, according to the FDIC and the NCUA. 5 of them have coordinates on record and are on the map. 1 publish opening hours.

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 Whitesboro

Sorted by number of local branches. Each branch shows where its hours and phone number come from.

Short answer: 4 banks share the most locations in Whitesboro, with 1 each. 4 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.

4u Credit Union 1 office · main office Gainesville, TX Credit union · 1

4u Credit Union has 1 office in Whitesboro, 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.

• Whitesboro Branch

  418 N Union St, 76273

  (903) 564-6301Today 8 am to 6 pm

  All hours

  Mon to Fri 8 am to 6 pm; Sat to Sun not published

  Hours: NCUA, March 31, 2026

  Directions

4u Credit Union: profile, branches and contacts

First State Bank 1 branch · main office Gainesville, TX Bank · 1

First State Bank has 1 branch in Whitesboro, 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. The Whitesboro Branch at 542 Highway 377 N dates to 2020 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Whitesboro Branch

  542 Highway 377 N, 76273

  Hours: see the bank's site
  DirectionsWebsite

First State Bank: profile, branches and contacts

First United Bank First United Bank and Trust Company · 1 branch · main office Durant, OK Bank · 1

First United Bank has 1 branch in Whitesboro, 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 Whitesboro Branch at 851 Highway 377 N dates to 1962 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Whitesboro Branch

  851 Highway 377 N, 76273

  Hours: see the bank's site
  DirectionsWebsite

First United Bank: profile, branches and contacts

Legend Bank 1 branch · main office Bowie, TX Bank · 1

Legend Bank has 1 branch in Whitesboro, 15 across Texas and 15 nationwide. FDIC records list its main office in Bowie, TX and show it operating since 1890. With $1.27 billion in total assets on June 30, 2026, it ranks No. 860 of 4,232 U.S. banks by total assets. The 2500 Highway 82 West Branch at 2500 Highway 82 West dates to 1984 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• 2500 Highway 82 West Branch

  2500 Highway 82 West, 76273

  Hours: see the bank's site
  DirectionsWebsite

Legend Bank: profile, branches and contacts

Simmons Bank 1 branch · main office Pine Bluff, AR Bank · 1

Simmons Bank has 1 branch in Whitesboro, 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 Whitesboro Branch at 700 Highway 377 N dates to 2004 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Whitesboro Branch

  700 Highway 377 N, 76273

  Hours: see the bank's site
  DirectionsWebsite

Simmons Bank: profile, branches and contacts

Join a credit union in Whitesboro

1 credit union has 1 office here: 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 Whitesboro page has every office in the state's directory.

Banking in Whitesboro: the local picture

Short answer: 4 banks run 4 branches in Whitesboro 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 Whitesboro, 2 elsewhere in Texas and 2 out of state, according to the FDIC.

The bank with the longest record here is Legend Bank, operating since 1890 according to the FDIC. In FDIC branch records, the longest-running branch is First United Bank's office at 851 Highway 377 N, dating to 1962; the newest is First State Bank's at 542 Highway 377 N, from 2020.

The only credit union with an office here is 4u Credit Union.

Of the 1 location with published hours. None open on Saturday. 4 locations have no published hours in these sources.

Saturday hours in Whitesboro

Short answer: None of the 1 Whitesboro location with published hours lists Saturday hours. 4 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; 4 of the 5 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 Whitesboro, and where the nearest one is if they do not.

Short answer: No branches in Whitesboro: Chase (nearest in Sherman, 17 mi), Wells Fargo (nearest in Frisco, 31 mi), Bank of America (nearest in Prosper, 30 mi), PNC Bank (nearest in Celina, 28 mi), U.S. Bank (nearest in Dallas, 46 mi), Truist (nearest in Frisco, 34 mi), Fifth Third Bank (nearest in Frisco, 36 mi), Huntington (nearest in Sherman, 17 mi), Regions Bank (nearest in Frisco, 32 mi), TD Bank, BMO (nearest in Dallas, 61 mi).

Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Whitesboro 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%.

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 Whitesboro residents like anyone else.

Banks near Whitesboro

Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.

Short answer: The closest towns with more choice are Gainesville (13 miles) and Pottsboro (15 miles). Sherman, 17 miles away, has the most banks nearby: 14.

Bank branch openings and closings in Whitesboro

FDIC branch records, between September 5, 2025 and September 5, 2026.

Short answer: FDIC branch records show no bank branch openings in Whitesboro between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.

Largest banks in Whitesboro by total assets

Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Whitesboro offices.

Short answer: Simmons Bank is the largest bank with offices in Whitesboro, with $24.73 billion in total assets on June 30, 2026, No. 87 among U.S. banks by total assets. First United Bank is second with $16.59 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.

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 Whitesboro: FAQ

How we build this page

Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.