Texas First Bank
A privately held, state-chartered community bank serving the Texas Gulf Coast.
Last updated August 25, 2026
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Overview
Texas First Bank is a privately held, state-chartered community bank headquartered in Texas City, Texas. The bank focuses on customers and businesses in the Texas Gulf Coast and nearby communities, combining conventional retail banking with commercial lending, mortgage services, insurance, small-business lending, and wealth-management offerings. It is a subsidiary of Texas Independent Bancshares, Inc., and its deposits are insured by the Federal Deposit Insurance Corporation. The institution traces its origins to 1973, when Charles T. "Chuck" Doyle and a group of investors acquired First State Bank of Hitchcock. The founders pursued a community-banking strategy centered on building a presence in the incorporated cities of Galveston County. The organization expanded through a combination of new offices and acquisitions, opening or establishing operations in Galveston in 1975, Santa Fe in 1977, Texas City in 1982, and Crystal Beach in 1985. On August 3, 1995, the affiliated banks were brought together under the single Texas First Bank name, creating a unified regional identity. The bank broadened beyond traditional deposits and lending during the 2000s. In 2000 it entered insurance through the acquisition of Rust, Ewing, Watt, and Haney Insurance. It expanded mortgage capabilities in 2004 by acquiring Paramount Mortgage in League City, subsequently operating that business as Texas First Mortgage. In January 2005, it established a Small Business Administration lending division in Pearland, extending its role in financing local entrepreneurs and growing companies. Expansion continued through a series of acquisitions and mergers. These included Gulf Coast Bank in 2006, Sullivan Insurance Agency in 2008, Houston Business Bank and Texas Coastal Bank in 2012, and Hull State Bank in 2014. In 2018, Texas First Bank acquired Assurance One Group. In 2019, Texas Independent Bancshares received Federal Reserve approval to merge with Preferred Bancshares, and Texas First Bank added the former Preferred Bank locations, including offices serving The Woodlands, Spring, and Conroe. The bank also acquired all Preferred Bank locations during that period, strengthening its reach in the Greater Houston area. Texas First Bank continued expanding its physical network with a Beaumont branch in 2022. In February 2024, it opened its first Texas First location in Conroe, designed as an integrated site bringing together banking, insurance, SBA lending, and mortgage services. The institution marked its fiftieth anniversary in 2023. The bank remains closely associated with the Doyle family. Founder Chuck Doyle serves as chairman emeritus, while his son Matthew T. Doyle is chairman of the board and Chris Doyle is president and chief executive officer. The bank operates as a Subchapter S corporation, a structure it has used since 2014. According to the cited reference material, its network includes 26 full-service branches and 52 automated teller machines across Galveston, Chambers, Brazoria, Harris, Jefferson, Montgomery, and Liberty counties. Its positioning emphasizes relationship banking, regional familiarity, and a broad product set for individuals, families, small businesses, and commercial customers.
History
Texas First Bank began in 1973 after Charles T. "Chuck" Doyle and a group of investors purchased First State Bank of Hitchcock. Their stated ambition was to create a network of community banks serving the incorporated cities of Galveston County. The organization’s early growth combined local branch development with acquisitions. It established a Galveston presence in 1975, expanded to Santa Fe in 1977, opened in Texas City in 1982, and added Crystal Beach in 1985. A major organizational milestone occurred on August 3, 1995, when the affiliated banks were consolidated under the Texas First Bank name. The single-brand structure gave the organization a common identity while retaining its community-oriented regional focus. During the following decade, the bank diversified its services. In 2000 it entered insurance by acquiring Rust, Ewing, Watt, and Haney Insurance. In 2004 it acquired Paramount Mortgage in League City and later renamed that business Texas First Mortgage. In January 2005, it created an SBA lending division in Pearland, broadening its support for small and growing businesses. The institution’s geographic and service expansion accelerated through mergers and acquisitions. It acquired Gulf Coast Bank in 2006 and Sullivan Insurance Agency in 2008. In 2012, it added Houston Business Bank and Texas Coastal Bank. Hull State Bank joined the organization in 2014, the same year Texas First Bank began operating under a Subchapter S corporation structure. Assurance One Group was acquired in 2018. In 2019, Texas Independent Bancshares received Federal Reserve approval to merge with Preferred Bancshares. The transaction added five branches in the Greater Houston area, including locations in The Woodlands, Spring, and Conroe. The bank subsequently continued developing its regional network, opening a Beaumont branch in 2022. In February 2024, it opened its first Texas First location in Conroe. Rather than functioning only as a conventional branch, the location combined banking, insurance, SBA lending, and mortgage services in one setting. Leadership has remained associated with the Doyle family. Chuck Doyle, the founding chairman, later became chairman emeritus. Matthew T. Doyle, his son, serves as board chairman, while Chris Doyle serves as president and chief executive officer. The organization’s community-banking identity is also reflected in its membership in the Independent Community Bankers of America and in its disaster-relief activities, including the 2025 Flood Recovery Fund. The cited reference material describes Texas First Bank as serving seven Texas counties—Galveston, Chambers, Brazoria, Harris, Jefferson, Montgomery, and Liberty—with 26 full-service branches and 52 ATMs.
- 2024
Integrated Conroe location launched
[1]The first Texas First location in Conroe combined banking, insurance, SBA lending, and mortgage services.
- 2023
Fiftieth anniversary
[1]Texas First Bank celebrated fifty years of operation.
- 2022
Beaumont branch opened
[1]Texas First Bank opened a new branch in Beaumont.
- 2019
Preferred Bancshares merger
[1]The parent company received Federal Reserve approval to merge with Preferred Bancshares, adding Greater Houston branches.
- 2018
Assurance One Group acquisition
[1]The bank expanded its insurance-related business through the acquisition of Assurance One Group.
- 2014
Hull State Bank acquisition and Subchapter S structure
[1]Hull State Bank joined the organization, and Texas First Bank began operating under a Subchapter S corporation structure.
- 2012
Houston and Texas Coastal acquisitions
[1]The organization acquired Houston Business Bank and Texas Coastal Bank.
- 2005
SBA lending division launched
[1]A Small Business Administration lending division opened in Pearland, Texas.
- 2004
Mortgage business expanded
[1]Paramount Mortgage in League City was acquired and later operated as Texas First Mortgage.
- 2000
Entry into insurance
[1]The bank entered the insurance sector through the acquisition of Rust, Ewing, Watt, and Haney Insurance.
Products and positioning
A relationship-oriented regional community bank offering integrated banking, lending, insurance, mortgage, SBA, and wealth-management services to customers along the Texas Gulf Coast and in the Greater Houston area.
Retail banking
Personal Banking
Texas First Bank provides community-oriented consumer banking services for individuals and families. The category includes standard deposit and account services delivered through branches, ATMs, and banking channels. The bank’s retail offering is part of a broader model that links personal banking with lending, insurance, and wealth-management support.
Business banking
Commercial Banking
Commercial banking services support businesses operating in the Texas Gulf Coast and Greater Houston markets. The offering encompasses business deposits, lending, and related banking support, with the bank positioning itself as a locally knowledgeable relationship bank for commercial customers and regional enterprises.
Mortgage lending · 2004
Texas First Mortgage
Texas First Mortgage is the bank’s mortgage business, developed after the 2004 acquisition of Paramount Mortgage in League City. It forms part of the bank’s broader lending platform and is offered alongside deposit banking, insurance, and other financial services.
Small-business lending · 2005
SBA Lending
The Small Business Administration lending division was established in Pearland in January 2005. It is intended to help qualifying small businesses obtain financing and complements the bank’s commercial-banking and relationship-lending activities.
Insurance · 2000
Insurance Services
Texas First Bank expanded into insurance through acquisitions beginning with Rust, Ewing, Watt, and Haney Insurance in 2000, followed by other agency acquisitions. Insurance is integrated into the group’s broader financial-services model and is offered alongside banking and lending products.
Wealth management
Wealth Management
Wealth-management services extend the bank’s offering beyond deposits and credit. Specific products and operating details are not provided in the cited material, but the service is identified as one of Texas First Bank’s principal business lines.
Marketing campaigns
- 2025Flood Recovery Fund
Central Texas
Texas First Bank launched a fund to support communities affected by severe flooding in Central Texas. It pledged to match donations up to $100,000, with proceeds directed through the Community Foundation of the Texas Hill Country to vetted relief organizations.
Brand decisions
2024
Introduced integrated Texas First location in ConroeStrategyBackground
The bank sought to combine several financial-services capabilities in a single regional location.
Action taken
Texas First Bank opened its first Texas First location in Conroe, bringing together banking, insurance, SBA lending, and mortgage services.
Aftermath
The location reinforced the group’s integrated community-financial-services model in the Greater Houston area.
2019
Merged with Preferred BancsharesM&ABackground
Texas Independent Bancshares pursued expansion in the Greater Houston market through a merger with Preferred Bancshares.
Action taken
After Federal Reserve approval, the merger added former Preferred Bank locations, including branches in The Woodlands, Spring, and Conroe.
Aftermath
The transaction increased the bank’s regional branch footprint and strengthened its presence outside the original Galveston County base.
1995
Adopted a unified Texas First Bank brandStrategyBackground
The organization had expanded through multiple affiliated banks and local offices, creating a need for a common identity.
Action taken
All affiliated banks were consolidated under the Texas First Bank name on August 3, 1995.
Aftermath
The unified brand provided a common platform for subsequent expansion and diversification.
Sources1 sources
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