First National Bank (Spearman, TX)

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LOCATIONS

Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
1.01%	1-year CD	1 Year Step-Up CD 1.50% - Ally Bank No Penalty 11-Month CD
0.25%	Savings	Regular Savings Account 1.15% - CIT Bank Spring Savings
1.40%	3-year CD	3 Year Step-Up CD 1.85% - Synchrony Bank 36 Month CD

View all First National Bank (Spearman, TX) rates »

Overview / Commentary

www.fnbhome.com

806-659-5544

729 West Seventh Street
Spearman, TX 79081

First National Bank (Spearman, TX) is headquartered in Spearman and is the 246^th largest bank in the state of Texas. It is also the 2,948^th largest bank in the nation. It was established in 1985 and as of March of 2017, it had grown to 42 employees at 3 locations. First National Bank (Spearman, TX)'s CD rates are 12% higher than the national average, and it boasts an A+ health rating.

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Health

A+

Data as of Q1 2017

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Health Grade Components

Overall
FDIC Certificate #	26219
Year Established	1985
Employees	42
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.52%
Return on Equity - YTD	12.58%
Annual Interest Income	$2.1MM

Assets and Liabilities
Assets	Q1 2017vs Q1 2016	$204.0MM$204.2MM
Loans	Q1 2017vs Q1 2016	$131.0MM$120.7MM
Deposits	Q1 2017vs Q1 2016	$172.9MM$167.4MM
Equity Capital	Q1 2017vs Q1 2016	$25.0MM$23.7MM
Loan Loss Allowance	Q1 2017vs Q1 2016	$2.0MM$1.9MM
Unbacked Noncurrent Loans	Q1 2017vs Q1 2016	$416.00K$600.00K
Real Estate Owned	Q1 2017vs Q1 2016	$0$0

Rates

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

First National Bank (Spearman, TX) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%^*	$5k^*	-	Health Savings NOW Account
OTHER TIERS: 0.20% → $1k - $5k
0.25%	$300	-	Regular Savings Account
0.25%	$100	-	Student Savings Account

First National Bank (Spearman, TX) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.35%	$2,500	-	Money Market Account

First National Bank (Spearman, TX) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%	$1,500	-	NOW Account

First National Bank (Spearman, TX) CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.40%^*	$250k^*	-	3 Year Step-Up CD
OTHER TIERS: 1.15% → $2k - $50k \| 1.20% → $50k - $100k \| 1.30% → $100k - $250k
1.30%^*	$250k^*	-	2 Year Step-Up CD
OTHER TIERS: 1.11% → $2k - $50k \| 1.15% → $50k - $100k \| 1.20% → $100k - $250k
1.11%^*	$250k^*	-	18 Month Step-Up CD
OTHER TIERS: 0.85% → $50k - $100k \| 0.90% → $2k - $50k \| 1.01% → $100k - $250k
1.01%^*	$250k^*	-	1 Year Step-Up CD
OTHER TIERS: 0.80% → $2k - $50k \| 0.85% → $50k - $100k \| 0.90% → $100k - $250k
0.75%^*	$100k^*	-	6 Month CD
OTHER TIERS: 0.65% → $2k - $50k \| 0.70% → $50k - $100k
0.60%^*	$100k^*	-	90 Day CD
OTHER TIERS: 0.50% → $2k - $50k \| 0.55% → $50k - $100k
0.55%^*	$100k^*	-	32 Day CD
OTHER TIERS: 0.45% → $2k - $50k \| 0.50% → $50k - $100k

First National Bank (Spearman, TX) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.40%	$2k	-	3 Year IRA
1.30%	$2k	-	2 Year IRA
1.01%	$2k	-	1 Year IRA

Locations

First National Bank (Spearman, TX) Locations
Dumas Banking Center Branch	1201 E First St	Dumas, TX 79029
Perryton Banking Center Branch	2729 South Main Street	Perryton, TX 79070
First National Bank	729 West Seventh Street	Spearman, TX 79081