Early Life
Ferguson was born to the Reverend James Ferguson, Sr., and Fannie Ferguson near Salado in south Bell County, Texas. He entered Salado College at age twelve but was eventually expelled for disobedience. At the age of sixteen, he left home and drifted through the states of the American West, having been employed in a vineyard, a mine, a barbed wire factory, and a grain ranch. After he returned to Texas, he studied law in Bell County was admitted to the bar. On December 31, 1899, he married Miriam A. "Ma" Wallace at the Wallace family home. In 1903, he became the city attorney in Belton and established Farmers State Bank. In 1906, he sold Farmers bank and established Temple State Bank. He also managed several local political campaigns.
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