Reasons for fsbctx's TrustScore of 1%
The website at https://www.fsbctx.bank/ presents itself as the online presence of a banking institution styled as Farmers State Bank (FSB) based in Texas (charter 1044-37). According to regulatory listings, Farmers State Bank is a state-chartered bank in Texas, FDIC-insured, with its primary address at 115 Shelbyville Street, Center, TX 75935.
The website claims to offer standard banking products: checking and savings accounts, certificates of deposit (CDs), online banking, mobile banking, personal and business loans, and other typical community-bank services.
Given your concern that the site might be a scam, this review will analyse the legitimacy of the site, highlight key observations and red flags, assess pros and cons, and arrive at a final conclusion about whether the site can be trusted.
Additional Information about fsbctx
From the data available, the website fsbctx.bank is the official site of Farmers State Bank of Center, Texas, which is charter number 1044-37 and FDIC number 13407. That is a strong indicator of legitimacy: the state regulator lists the bank and matches the domain. This provides a baseline presumption that the bank and website are real.
However, legitimacy in this case does not automatically mean that every offer or interaction you may receive (especially online or via unsolicited contact) is safe. Many scams involve real bank names being used fraudulently, or fake “online branch” sites that appear legitimate. Here are critical factors:
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Verification of domain authenticity: The domain matches the bank and the regulatory listing. That is positive.
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Check the bank’s contact details: The site lists physical branch addresses, phone numbers and regulators, which is typical of a genuine community bank.
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Service area & jurisdiction: Farmers State Bank is Texas-based; if you are located in Nigeria (as you are), you must confirm whether the bank legally offers banking services to you, or whether you are being attracted via an offshore “online bank” claim that may not be actually supported. If you are being asked to transfer funds internationally or open an “offshore” account via this site, that is highly unusual for a Texas community bank, and strongly suspicious.
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Scam risk indicators: If you are asked to deposit funds, especially crypto, or provide identity documents before due diligence, or promised unusually high returns, those are red flags.
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Public records & oversight: The bank appears in official regulator databases, which helps. But you should check the bank’s official website maybe via regulator listing and confirm the phone numbers/or email you were given match those listing.
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User reviews / incidents: In my search I did not find obvious public reports of the site being convincingly flagged as fraudulent. That does not guarantee there are no problems; it just means I did not locate them in this search.
Conclusion of this analysis: The website appears to be the legitimate website of an actual community bank in Texas. That said, because you flagged it as “scam / online bank website” there may be specific contacts or solicitations you received that could be fraudulent or misrepresenting the bank’s services. Thus, while the bank and domain look real, any suspicious interaction (outside normal banking flows) should be treated with caution and verified.
Pros
- The institution appears to be legitimately chartered, regulated and FDIC-insured, based on official records.
- The site offers a full suite of banking products and appears to have standard security/privacy disclosures.
- The domain looks professional and matches the bank’s name and region.
Cons
- Being a small community bank, the online presence may not have the high level of scrutiny or information available publicly as major national banks, which may reduce transparency.
- If you are outside the bank’s typical service area (East Texas), the bank may not legally or practically service you — risk of misinformation or mismatch of jurisdiction.
- If you received unsolicited contact or offers claiming you must send money, open exotic accounts, etc., those may fall outside the normal operations of this bank and be scams impersonating the bank.
- Without verifying directly (via phone, verifying routing numbers, branch visits), you risk account theft, phishing or financial loss if the site or its communications are compromised or misrepresented.
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Full review fsbctx
In summary: the website fsbctx.bank is most likely legitimate in the sense that it is the genuine website of Farmers State Bank in Texas. The presence in official regulatory listings, the matching domain, and standard product offerings all weigh in favour of legitimacy. However — and this is critical — your assertion that you believe it is a scam suggests you may have encountered elements (for example, outreach claiming “open account from anywhere”, “high return offshore”, etc.) that extend beyond what a small Texas community bank typically does.
Therefore, while the site itself appears to be real, you must verify any offer, communication or requirement you received through that site. If someone is using the bank’s name to solicit funds, ask for personal information, or make overseas transfers, that could still be a scam. Always contact the bank using contact information directly from regulator listings (not from links in suspicious emails) and ask for clarification. If it turns out the offer you received is not something the bank does, then treat it as fraudulent.
In short: The site is likely legitimate, but your interaction with it may still be unsafe depending on context. Be extremely cautious.
Facts about fsbctx
WHOIS Record
Domain Name: fsbctx.bank
Registrar: EnCirca, Inc.
Created Date: 2015-06-29T16:52:56Z
Updated Date: 2025-10-16T15:28:07Z
Expires Date: 2026-06-29T16:52:56Z
Status: clientTransferProhibited
Administrative Contact
Organization: REDACTED FOR PRIVACY
State: REDACTED FOR PRIVACY
Country: REDACTED FOR PRIVACY
Raw Text: Admin Name: REDACTED FOR PRIVACY Admin Organization: REDACTED FOR PRIVACY Admin Street: REDACTED FOR PRIVACY Admin City: REDACTED FOR PRIVACY Admin State/Province: REDACTED FOR PRIVACY Admin Postal Code: REDACTED FOR PRIVACY Admin Country: REDACTED FOR PRIVACY Admin Phone: REDACTED FOR PRIVACY Admin Phone Ext: REDACTED FOR PRIVACY Admin Fax: REDACTED FOR PRIVACY Admin Fax Ext: REDACTED FOR PRIVACY Admin Email: Please query the RDDS service of the Registrar of Record identified in this output for information on how to contact the Registrant, Admin, or Tech contact of the queried domain.
Technical Contact
Organization: REDACTED FOR PRIVACY
State: REDACTED FOR PRIVACY
Country: REDACTED FOR PRIVACY
Raw Text: Tech Name: REDACTED FOR PRIVACY Tech Organization: REDACTED FOR PRIVACY Tech Street: REDACTED FOR PRIVACY Tech City: REDACTED FOR PRIVACY Tech State/Province: REDACTED FOR PRIVACY Tech Postal Code: REDACTED FOR PRIVACY Tech Country: REDACTED FOR PRIVACY Tech Phone: REDACTED FOR PRIVACY Tech Phone Ext: REDACTED FOR PRIVACY Tech Fax: REDACTED FOR PRIVACY Tech Fax Ext: REDACTED FOR PRIVACY Tech Email: Please query the RDDS service of the Registrar of Record identified in this output for information on how to contact the Registrant, Admin, or Tech contact of the queried domain.
Registrant
Organization: REDACTED BY USER
State: TX
Country: UNITED STATES
Raw Text: Registrant Name: REDACTED FOR PRIVACY Registrant Organization: REDACTED BY USER Registrant Street: REDACTED FOR PRIVACY Registrant City: REDACTED FOR PRIVACY Registrant State/Province: TX Registrant Postal Code: REDACTED FOR PRIVACY Registrant Country: United States Registrant Phone: REDACTED FOR PRIVACY Registrant Phone Ext: REDACTED FOR PRIVACY Registrant Fax: REDACTED FOR PRIVACY Registrant Fax Ext: REDACTED FOR PRIVACY Registrant Email: Please query the RDDS service of the Registrar of Record identified in this output for information on how to contact the Registrant, Admin, or Tech contact of the queried domain.
Name Servers
Name Servers: NS1.ENCIRCADNS.BANK, NS2.ENCIRCADNS.BANK
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