Farmers State Bank (13407)

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.fsbctx.bank

936-598-6900

115 Shelbyville Street
Center, TX 75935

Farmers State Bank (13407) is headquartered in CENTER and is the 196^th largest bank in the state of Texas. It is also the 2,202^nd largest bank in the nation. It was established in 1910 and as of March of 2025, it had grown to 75 employees at 8 locations. Farmers State Bank (13407)'s CD rates are 4X the national average, and it has an A health rating.

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Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	13407
Year Established	1910
Employees	75
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.88%
Return on Equity - YTD	13.73%
Annual Interest Income	$5.2MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$368.2MM$361.7MM
Loans	Q1 2025vs Q1 2024	$205.8MM$215.3MM
Deposits	Q1 2025vs Q1 2024	$314.7MM$311.7MM
Equity Capital	Q1 2025vs Q1 2024	$50.9MM$47.7MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$3MM$3.5MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$1.6MM$7.8MM
Real Estate Owned	Q1 2025vs Q1 2024	$1.4MM$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

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.

Farmers State Bank (13407) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.60%	$100	-	Savings Account

Farmers State Bank (13407) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.90%^*	$500k^*	-	Money Market Plus Account
OTHER TIERS: 0.55% → $25k - $50k \| 0.60% → $50k - $100k \| 0.70% → $100k - $250k \| 0.80% → $250k - $500k
0.50%	$2k	-	Money Market Account

Farmers State Bank (13407) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%	$2k	-	Super NOW Checking Account
0.28%	$1k	-	Gold Star Interest Checking Account

Farmers State Bank (13407) CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.97%^*	$50k^*	-	182 Day CD
OTHER TIERS: 2.48% → $1k - $50k
3.76%^*	$50k^*	-	1 Year CD
OTHER TIERS: 2.32% → $1k - $50k
2.84%	$1k	-	5 Year CD
2.73%	$1k	-	3 Year CD
2.73%	$1k	-	4 Year CD
2.53%	$1k	-	2 Year CD
2.53%	$1k	-	30 Month CD
2.43%	$1k	-	18 Month CD
1.31%	$1k	-	91 Day CD

Farmers State Bank (13407) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.84%	$500	-	5 Year IRA
2.73%	$500	-	3 Year IRA
2.73%	$500	-	4 Year IRA
2.53%	$500	-	2 Year IRA
2.53%	$500	-	30 Month IRA
2.43%	$500	-	18 Month IRA

Locations

Farmers State Bank (13407) Locations
Carthage Branch	114 West Wellington	Carthage, TX 75633
Farmers State Bank	115 Shelbyville St	Center, TX 75935
Joaquin Branch	12607 U.S. Hwy. 84 East	Joaquin, TX 75954
Center Branch	275 Rough Rider Drive	Center, TX 75935
Shelbyville Branch	5033 State Hwy 87 South	Shelbyville, TX 75973
Drive-In Facility	209 Logansport Street	Center, TX 75935
Franklin Lpo	321 Hwy. 79 West	Franklin, TX 77856

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