Beginning March 24, 2026: Logging in to Online Banking will require a 6-digit code sent to your phone via text or voice call, replacing traditional security questions for a faster and more secure experience. Please verify that your mobile or direct phone numbers are up to date. For assistance, call (903) 676-1900.
Rachel started her banking career at First State Bank in January of 1999 at the Downtown Athens Branch. She has worked in several areas of the bank, including Bookkeeping, Teller, Credit Department and as an Administrative Assistant/Loan Processor. Her current position is Vice President/Loan Officer, at the main location in Downtown Athens.
Rachel was born and raised in Mabank, and graduated from Mabank High School in 1997. In her free time, she enjoys reading and spending time with friends and family. She has been married to her husband Nathan for 26 years and they have a 20 year old son.