Texas Star Bank is a provider of personal banking products. The company s banking products consist of individual retirement accounts, a variety of interest-bearing and free checking accounts, money market accounts, passbook savings accounts and loan products. The company offers real estate, personal consumer, commercial and agricultural loans. In addition, the company provides wire transfers, direct deposit services, money orders and cashier s checks. Texas State Bank is held by Southern Bancshares, an organization of independent banks that is headquartered in Houston. Texas Star Bank is headquartered in Lott, Texas. The company maintains branch locations in Marlin, Rockdale and Harker Heights, Texas.