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Guaranty Bancshares is the holding company for Guaranty Bond Bank, which operates about a dozen branches in northeast Texas and another in West Texas. Guaranty Bond Bank's deposit products and services include CDs and savings, checking, NOW, and money market accounts. Its lending activities include one- to four-family residential mortgages (more than a third of the company's loan portfolio) in addition to commercial mortgage, construction, business, agriculture, and personal loans. The company's GB Financial division provides wealth management, retirement planning, and trust services.

Habersham Bancorp operates as the bank holding company for Habersham Bank that provides commercial banking services to businesses and individuals in Habersham, White, Cherokee, Warren, Stephens, Forsyth, and Hall Counties in Georgia. It offers various deposit products, including checking and savings accounts, various time deposits, money market accounts, and NOW accounts, individual retirement accounts, and certificates of deposit. The company also provides commercial real estate loans comprising land development loans, construction loans, and loans secured by multifamily property, and nonfarm, nonresidential real property loans; 1-4 family residential loans; and consumer loans.

The US banking arm of Bank of Montreal (BMO), Harris Bankcorp offers personal and commercial banking and other financial services through Harris Bank and other subsidiaries. The company has more than 300 bank branches in the Chicago area, Indiana, and Wisconsin; it also has locations in Arizona, Florida, New York, and a handful of other states. In addition to Harris Bank, the company owns Harris Investment Management, middle-market investment bank BMO Capital Markets, and private bank and wealth management unit Harris Private Bank. Harris Bank added more than 50 branches in the Midwest when it acquired the failed AMCORE Bank in an FDIC-assisted deal in 2010.

Henderson Citizens Bancshares is the holding company for Citizens National Bank, which operates from some 20 branches located across East Texas. The regional bank provides traditional banking services such as checking, savings, and money market accounts to individual and commercial customers. It also offers multiple loan products, including personal, mortgage, and home improvement as well as real estate, agricultural, and lines of credit. Insurance services are offered through subsidiary CFG Insurance. Citizens National Bank was founded in 1930 with $150,000 compiled by eight private investors.

The First State Bank is a community bank that is dedicated to giving back to the community inwhich we serve. Whether you are a college student, a young married couple starting out or enjoying your retirement years - we have a checking account product that is desiged with your specific needs in mind. Call or come by one of our convenient branch locations in the Henry County area to find out why the majority of residents in Henry County have selected The First State Bank as their financial institution.

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