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N. Main St. at Washington St.

N. Main St. at Washington St.

Full-Service Branch

201 N Main St
Lockney, TX 79241



  • ATM
  • Bank
  • Online Banking

I have worked in banking for almost 10 years. There is no place like Lockney. The people are very unique, even for a Texas town with the love and care they show for their neighbors. I enjoy being able to help Lockney folks realize their dreams. Why do I love Happy State Bank? No doubt, it’s about the culture of being Happy. It's a team of God fearing people who love to laugh and have a team spirit all with the goal of benefiting our stockholders, customers, and fellow employees.

Featured Products


Our personal checking options are sure to help you bank Happy! Looking for the basics with no minimum balance requirement? Happy Checking is the way to go. If you keep a higher balance and enjoy extra perks, Happy Interest Checking is right for you.


Thinking of buying or refinancing? The Happy Mortgage Team is ready to help you make your move. And, with our Hybrid eClosing, you can close by phone in minutes!

Small Business

Get the job done with Happy Business Checking! Great for small businesses, this account has no monthly maintenance fees and comes with all the extras you need to take care of business.

Community Involvement

Ronald McDonald House

We are proud to support the Ronald McDonald House and their dedication to families and children.

Salvation Army

We are Happy to support the Salvation Army and their ongoing mission of doing the most good.

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Our only job is to help our customers. That means we'll do what it takes to bring your financial dreams to life.
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