Business Details
50+ Years
experience
Your Trusted Partner for Banking Solutions in West Texas
First United Bank has served West Texas communities since 1907, rooted in the core values of Generosity, Loyalty, Integrity, and Community. Our century-long legacy reflects a commitment to understanding the distinct financial needs of our clients, offering tailored solutions for personal and business banking. With expertise in digital banking, treasury management, and mortgage services, we combine local insight with innovative tools to empower customers. Our team prioritizes transparency, ethical practices, and community reinvestment, ensuring trust and reliability. As FDIC-insured stewards of the U.S. government's faith, we maintain rigorous compliance standards while fostering relationships that extend beyond transactions.Our leadership, including pioneers like founder Ray M. Bain, has driven growth through strategic acquisitions and technological advancements, such as early adoption of ATMs and interactive teller machines. Today, we continue to honor our heritage by supporting local initiatives, offering financial education, and maintaining physical branches across Texas. This blend of tradition and innovation positions us as a trusted partner for individuals, businesses, and agricultural enterprises throughout the region.
Services
Personal Checking
Business Savings
Commercial Loans
Mortgage Services
Digital Banking
Cash Management
Agricultural Lending
Positive Pay
Wealth Management
HSAs & IRAs
Details
- Year established: 1907
Highlights and features
- We offer 118 years of localized banking expertise in West Texas
- Our treasury management services optimize business financial operations
- Digital banking platform provides 24/7 account access and security
- Community reinvestment initiatives support local economic development
- Mortgage division maintains local decision-making authority
Associations and certifications
- FDIC
What people say
Exceptional community support
User-friendly digital banking
Knowledgeable staff
Local decision-making
Historic reliability
Services
Personal Checking
Our personal checking accounts provide flexible financial management solutions with multiple tiers to match individual needs. Features include 24/7 digital access, debit card integration, and overdraft protection options. Customers benefit from streamlined transaction tracking and community-focused service that combines traditional banking principles with modern convenience.
Commercial Loans
Business lending solutions support growth through working capital lines, real estate financing, and agricultural loans with local decision-making authority. Our century-long industry experience enables tailored credit structures that address specific operational requirements while maintaining regulatory compliance and risk management standards.
Digital Banking
24/7 digital platform offers account management, bill payment, fund transfers, and document sharing capabilities with enterprise-grade security measures. The interface consolidates financial data from multiple institutions while maintaining FDIC-insured transaction safety and real-time balance monitoring features.
Mortgage Services
Spirit Mortgage division provides residential financing options with local underwriting and personalized guidance through prequalification to closing. Services include conventional, construction, and refinance loans supported by digital document submission and mobile tracking tools for enhanced transparency.
Cash Management
Business cash flow optimization tools include ACH processing, payroll services, and tax payment systems with customizable administrative controls. The platform streamlines receivables management and payment processing while integrating with existing accounting software for comprehensive financial oversight.
People
Ray M. Bain
Founder
Visionary leader who acquired the bank in 1985 and transformed it through strategic acquisitions and technological innovation until his passing in 2013.
R. Mark Bain
Vice-Chairman & CEO
Third-generation banking executive who assumed leadership in 2013, continuing the family legacy of community-focused financial services and expansion across Texas.
Questions
What mortgage options does Spirit Mortgage offer?
Spirit Mortgage provides conventional, construction, refinance, and jumbo loan options with local underwriting and personalized guidance.
How can businesses benefit from treasury management services?
Our treasury solutions optimize cash flow through ACH processing, payroll services, and customized payment systems that enhance financial control and efficiency.
Is digital banking secure?
Yes, our platform uses enterprise-grade security with features like card suspension, encrypted document sharing, and real-time transaction monitoring.
What loan programs support agricultural operations?
We offer specialized agricultural loans for land purchases, equipment financing, and operational capital with terms tailored to farming cycles.
How does First United Bank support local communities?
Through initiatives like the Spirit of Generosity campaign, facility donations, and 118 years of localized decision-making that prioritizes regional economic growth.
