FirstBank & Trust

Overview / Commentary

www.firstbanktexas.com

806-788-0800

9816 Slide Road
Lubbock, TX 79424

FirstBank & Trust is headquartered in Lubbock and is the 56^th largest bank in the state of Texas. It is also the 698^th largest bank in the nation. It was established in 1934 and as of September of 2019, it had grown to 172 employees at 9 locations. FirstBank & Trust's money market rates are 36% higher than the national average, and it boasts an A+ health rating.

View all posts from:

2018
2015

1/25 - New 15-Mo And 30-Mo CD Specials In TX

9/21 - FirstBank & Trust (TX) Adds Competitive 15-Month CD Special

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Health

A+

Data as of Q3 2019

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Health Grade Components

Overall
FDIC Certificate #	14778
Year Established	1934
Employees	172
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.06%
Return on Equity - YTD	5.02%
Annual Interest Income	$36.3MM

Assets and Liabilities
Assets	Q3 2019vs Q3 2018	$1.16B$1.11B
Loans	Q3 2019vs Q3 2018	$648.2MM$630.9MM
Deposits	Q3 2019vs Q3 2018	$903.4MM$875.2MM
Equity Capital	Q3 2019vs Q3 2018	$237.9MM$228.6MM
Loan Loss Allowance	Q3 2019vs Q3 2018	$4.0MM$1.3MM
Unbacked Noncurrent Loans	Q3 2019vs Q3 2018	$2.8MM$12.0MM
Real Estate Owned	Q3 2019vs Q3 2018	$230.00K$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

FirstBank & Trust Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.10%^*	-	$50k	Platinum Savings
OTHER TIERS: 0.01% → $50k+
0.50%^*	$250k^*	-	Signature Series Savings
OTHER TIERS: 0.30% → $50k - $150k \| 0.40% → $150k - $250k
0.40%^*	$100k^*	-	High Yield Savings
OTHER TIERS: 0.10% → $10k - $25k \| 0.15% → $25k - $50k \| 0.30% → $50k - $100k
0.25%^*	$100k^*	-	Business Solutions High Yield Savings
OTHER TIERS: 0.05% → Up to $10k \| 0.15% → $10k - $25k \| 0.18% → $25k - $50k \| 0.20% → $50k - $100k
0.25%^*	$100k^*	-	Business High Yield Savings
OTHER TIERS: 0.05% → Up to $10k \| 0.15% → $10k - $25k \| 0.18% → $25k - $50k \| 0.20% → $50k - $100k
0.15%	-	-	Regular Savings
0.10%	-	-	Business Savings
0.10%	-	-	IRA Savings

FirstBank & Trust Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%^*	$100k^*	$250k	Business Premium Money Market
OTHER TIERS: 0.10% → Up to $25k \| 0.35% → $25k - $50k \| 0.40% → $50k - $100k \| 0.65% → $250k+
0.60%^*	$100k^*	-	Regular Money Market
OTHER TIERS: 0.10% → $2.5k - $5k \| 0.15% → $5k - $10k \| 0.20% → $10k - $25k \| 0.40% → $25k - $100k
0.35%^*	$10m^*	-	Business Solutions Money Market
OTHER TIERS: 0.05% → Up to $25k \| 0.10% → $25k - $50k \| 0.13% → $50k - $250k \| 0.15% → $250k - $1m \| 0.20% → $1m - $5m \| 0.25% → $5m - $10m
0.25%^*	$100k^*	-	Business Money Market
OTHER TIERS: 0.05% → $2.5k - $25k \| 0.15% → $25k - $100k

FirstBank & Trust Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.10%^*	-	$50k	Platinum Checking
OTHER TIERS: 0.01% → $50k+
0.50%^*	$250k^*	-	Signature Series Checking
OTHER TIERS: 0.30% → $50k - $150k \| 0.40% → $150k - $250k
0.30%^*	$1m^*	-	Commercial Interest Ckecking
OTHER TIERS: 0.20% → Up to $250k \| 0.25% → $250k - $1m

FirstBank & Trust CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.30%	$1k	-	24 Month CD
1.25%	$1k	-	18 Month Flex CD
1.25%	$1k	-	36 Month CD
1.25%	$1k	-	48 Month CD
1.25%	$1k	-	60 Month CD
1.25%	$1k	-	84 Month CD
1.15%	$1k	-	12 Month CD
0.65%	$1k	-	6 Month CD
0.25%	$2.5k	-	3 Month CD

FirstBank & Trust IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.30%	$1k	-	24 Month IRA
1.25%	$1k	-	18 Month Flex IRA
1.25%	$1k	-	36 Month IRA
1.25%	$1k	-	48 Month IRA
1.25%	$1k	-	60 Month IRA
1.25%	$1k	-	84 Month IRA
1.15%	$1k	-	12 Month IRA
0.75%	$1k	-	6 Month IRA
0.25%	$2.5k	-	3 Month IRA

Locations

FirstBank & Trust Locations
Lockwood Branch	1910 Lockwood	Tahoka, TX 79373
Wilson Bank Branch	2000 Green Avenue	Wilson, TX 79381
Midcity Branch	3405 22nd Street	Lubbock, TX 79410
Southwest Branch	7806 Indiana Avenue	Lubbock, TX 79423
First Bank & Trust Company	9816 Slide Road	Lubbock, TX 79424
West Branch	6501 19th Street	Lubbock, TX 79407
Texas Savings Bank Branch	2619 College Avenue	Snyder, TX 79549
First National Bank Of Colorado City	2225 Hickory	Colorado City, TX 79512

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