First State Bank and Trust Company

First State Bank and Trust Company Locations

110 West Panola Street
Carthage, TX 75633
903.693.6606
www.fsbcarthage.com

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First State Bank and Trust Company is headquartered in Carthage and is the 109^th largest bank in the state of Texas. It is also the 1,498^th largest bank in the nation. It was established in 1902 and as of March of 2012, it had grown to 69 employees at 1 location. First State Bank and Trust Company has a 5-star health rating.

2.25% Money Market Account at State Bank & Trust Company in Georgia - Local Only - 10/4/2009

State Bank & Trust Company is offering 2.25% APY on its money market account. The rate is guaranteed until 12/31/09. Minimum deposit is $2,500. Balances under $2,500 earn 0.50%, and there's a minimum balance of $1,000 to avoid a $5/month fee. This...

4.00% Reward Checking Account at First State Bank & Trust Company in Nebraska - 3/17/2009

Update 11/22/09: The top rate has fallen to 4.00% APY. Refer to the bottom of the post for the rate history.First State Bank & Trust Company is offering a reward checking account called First Rate Checking. The account offers the following rates and...

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See Rates for: Checking | Savings | Money Market | CD | IRA

First State Bank and Trust Company Checking Account Rates

Apy	Min	Max	Product
0.15%	$2,500	-	Super NOW
0.10%	$1,500	-	Now

First State Bank and Trust Company Savings Account Rates

	Apy	Min	Max	Product
	0.10%	$100	-	Savings Account

First State Bank and Trust Company Money Market Rates

Apy	Min	Max	Product
0.35%	$150k	-	Super Money Market
0.15%	$2,500	-	Money Market

First State Bank and Trust Company CD Rates

Apy	Min	Max	Product
1.41%	$1k	-	60 Month CD
1.10%	$1k	-	48 Month CD
0.95%	$1k	-	36 Month CD
0.85%	$1k	-	30 Month CD
0.75%	$1k	-	24 Month CD
0.60%	$1k	-	18 Month CD
0.50%	$1k	-	12 Month CD
0.40%	$2,500	-	182-364 Day CD
0.15%	$2,500	-	91-181 Day CD
0.10%	$2,500	-	32-90 Day CD
0.05%	$2,500	-	7-31 Day CD

First State Bank and Trust Company IRA Rates

Apy	Min	Max	Product
1.41%	-	-	60 Month Fixed IRA
1.41%	-	-	60 Month Fixed Roth IRA
1.41%	-	-	60 Month Fixed Coverdell ESA
1.41%	-	-	60 Month Fixed SEP IRA
1.10%	-	-	48 Month Fixed IRA
1.10%	-	-	48 Month Fixed Roth IRA
1.10%	-	-	48 Month Fixed Coverdell ESA
1.10%	-	-	48 Month Fixed SEP IRA
0.95%	-	-	36 Month Fixed IRA
0.95%	-	-	36 Month Fixed Roth IRA
0.95%	-	-	36 Month Fixed Coverdell ESA
0.95%	-	-	36 Month Fixed SEP IRA
0.85%	-	-	30 Month Fixed IRA
0.85%	-	-	30 Month Fixed Roth IRA
0.85%	-	-	30 Month Fixed Coverdell ESA
0.85%	-	-	30 Month Fixed SEP IRA
0.75%	-	-	24 Month Fixed IRA
0.75%	-	-	24 Month Fixed Roth IRA
0.75%	-	-	24 Month Fixed Coverdell ESA
0.75%	-	-	24 Month Fixed SEP IRA
0.60%	-	-	18 Month Fixed IRA
0.60%	-	-	18 Month Fixed Roth IRA
0.60%	-	-	18 Month Fixed Coverdell ESA
0.60%	-	-	18 Month Fixed SEP IRA
0.50%	-	-	12 Month Fixed IRA
0.50%	-	-	12 Month Fixed Roth IRA
0.50%	-	-	12 Month Fixed Coverdell ESA
0.50%	-	-	12 Month Fixed SEP IRA
0.40%	-	-	6 Month Fixed IRA
0.40%	-	-	18 Month Variable IRA
0.40%	-	-	6 Month Fixed Roth IRA
0.40%	-	-	18 Month Variable Roth IRA
0.40%	-	-	6 Month Fixed Coverdell ESA
0.40%	-	-	6 Month Fixed SEP IRA
0.40%	-	-	18 Month Variable Coverdell ESA
0.40%	-	-	18 Month Variable SEP IRA
0.15%	-	-	3 Month Fixed IRA
0.15%	-	-	3 Month Fixed Roth IRA
0.15%	-	-	3 Month Fixed Coverdell ESA
0.15%	-	-	3 Month Fixed SEP IRA

Rates updated: 5/25/2012

Data for Q1 2012

Institution Statistics

First State Bank and Trust Company
FDIC Certificate #	11559
BankRate Report	View
Year Established	1902
Employees	69
Primary Regulator	FDIC
Assets and Liabilities
Assets	$447.33 million
Loans	$150.18 million
Deposits	$377.28 million
Equity Capital	$66.12 million
Loan Loss Allowance	$783,000
Unbacked Noncurrent Loans	$299,000
Real Estate Owned	$80,000
Historic Data - March 2011
Assets	$442.94 million
Equity Capital	$59.63 million
Loan Loss Allowance	$848,000
Unbacked Noncurrent Loans	$160,000
Real Estate Owned	$234,000
Profit Margin - Quarterly
Net Interest Margin	3.45%
Return on Assets	1.55%
Return on Equity	10.67%
Interest Income	$4.29 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 First State Bank and Trust Company had $379,000 in non-current loans and owned real-estate with $66.9 million in equity and loan loss allowances on hand to cover it. This gives First State Bank and Trust Company a Texas Ratio of 0.57% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for First State Bank and Trust Company held steady from 0.65% as of March 31, 2011 to 0.57% as of March 31, 2012, resulting in a positive change of 13.05%.This indicates that the balance sheet and financial strength for First State Bank and Trust Company has held steady in recent periods.
Deposit Growth
In the past year, First State Bank and Trust Company has decreased its total deposits by -$3.34 million, resulting in -0.88% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First State Bank and Trust Company has shown is average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First State Bank and Trust Company has $447.33 million in assets with $66.9 million in equity, resulting in a capitalization level of 14.96%, which is excellent.