Overview / Commentary
501 Main Street
Memphis, TX 79245

First Bank and Trust of Memphis is headquartered in Memphis and is the 398th largest bank in the state of Texas. It is also the 4,849th largest bank in the nation. It was established in 1898 and as of March of 2018, it had grown to 10 employees at 1 location. First Bank and Trust of Memphis' CD rates are 68% higher than the national average, and it has a B+ health rating.


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. First Bank and Trust of Memphis has a relatively low asset base.

Health Grade Components

FDIC Certificate #3335
Year Established1898
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.37%
Return on Equity - YTD11.55%
Annual Interest Income$568.00K
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$64.2MM$65.5MM
LoansQ1 2018vs Q1 2017$35.6MM$44.9MM
DepositsQ1 2018vs Q1 2017$56.2MM$57.7MM
Equity CapitalQ1 2018vs Q1 2017$7.5MM$7.3MM
Loan Loss AllowanceQ1 2018vs Q1 2017$619.00K$619.00K
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$0$95.00K
Real Estate OwnedQ1 2018vs Q1 2017$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Bank and Trust of Memphis Savings Account Rates

0.65%--Traditional Savings

First Bank and Trust of Memphis Money Market Rates

0.65%*$50k*-Money Market Checking
OTHER TIERS: 0.50% $2,500 - $10k

First Bank and Trust of Memphis Checking Account Rates

0.50%*$2.5k*-Now Account
OTHER TIERS: 0.30% $1k - $2,500

First Bank and Trust of Memphis CD Rates

2.53%$1k-5 Year CD
2.27%$1k-4 Year CD
2.02%$1k-3 Year CD
1.77%$1k-2 Year CD
1.51%$1k-1 Year CD
1.26%$1k-6 Month CD
0.75%$1k-3 Month CD

First Bank and Trust of Memphis IRA Rates

1.64%$1k-18 Month IRA

First Bank and Trust of Memphis Locations
First Bank and Trust Of Memphis501 Main StreetMemphis, TX 79245

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