First National Bank (Spearman, TX)

Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
1.55%	1-year CD	1 Year Step-Up CD 2.45% - Synchrony Bank 12 Month CD
0.40%	Savings	Regular Savings Account 1.80% - American Express National Bank High Yield Savings Account
2.00%	3-year CD	3 Year Step-Up CD 2.60% - Ally Bank High Yield 3 Year 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 238^th largest bank in the state of Texas. It is also the 2,794^th largest bank in the nation. It was established in 1985 and as of June of 2018, it had grown to 46 employees at 3 locations. First National Bank (Spearman, TX)'s CD rates are 72% higher than the national average, and it has an A health rating.

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Health

A

Data as of Q2 2018

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Health Grade Components

Overall
FDIC Certificate #	26219
Year Established	1985
Employees	46
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.63%
Return on Equity - YTD	13.43%
Annual Interest Income	$4.9MM

Assets and Liabilities
Assets	Q2 2018vs Q2 2017	$213.0MM$208.0MM
Loans	Q2 2018vs Q2 2017	$143.2MM$136.6MM
Deposits	Q2 2018vs Q2 2017	$169.1MM$170.5MM
Equity Capital	Q2 2018vs Q2 2017	$26.4MM$26.1MM
Loan Loss Allowance	Q2 2018vs Q2 2017	$2.2MM$2.1MM
Unbacked Noncurrent Loans	Q2 2018vs Q2 2017	$847.00K$403.00K
Real Estate Owned	Q2 2018vs Q2 2017	$0$0

Rates

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Money Market
Checking
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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
0.40%	$300	-	Regular Savings Account
0.40%	$100	-	Student Savings Account
0.30%^*	$5k^*	-	Health Savings NOW Account
OTHER TIERS: 0.25% → $1 - $5k

First National Bank (Spearman, TX) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.65%^*	$100k^*	-	Money Market Account
OTHER TIERS: 0.45% → $2.5k - $50k \| 0.55% → $50k - $100k

First National Bank (Spearman, TX) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%	$1.5k	-	NOW Account

First National Bank (Spearman, TX) CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.00%^*	$250k^*	-	3 Year Step-Up CD
OTHER TIERS: 1.70% → $2k - $50k \| 1.80% → $50k - $100k \| 1.90% → $100k - $250k
1.85%^*	$250k^*	-	2 Year Step-Up CD
OTHER TIERS: 1.60% → $2k - $50k \| 1.70% → $50k - $100k \| 1.75% → $100k - $250k
1.80%	$100k	-	13 Month CD Special
1.60%^*	$250k^*	-	18 Month Step-Up CD
OTHER TIERS: 1.30% → $2k - $50k \| 1.40% → $50k - $100k \| 1.55% → $100k - $250k
1.55%^*	$250k^*	-	1 Year Step-Up CD
OTHER TIERS: 1.20% → $2k - $50k \| 1.30% → $50k - $100k \| 1.45% → $100k - $250k
1.20%^*	$100k^*	-	6 Month CD
OTHER TIERS: 1.05% → $2k - $50k \| 1.15% → $50k - $100k
0.94%^*	$100k^*	-	90 Day CD
OTHER TIERS: 0.85% → $2k - $50k \| 0.90% → $50k - $100k
0.85%^*	$100k^*	-	32 Day CD
OTHER TIERS: 0.75% → $2k - $50k \| 0.80% → $50k - $100k

First National Bank (Spearman, TX) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.00%	$2k	-	3 Year Step-Up IRA
1.85%	$2k	-	2 Year Step-Up IRA
1.50%	$2k	-	1 Year Step-Up 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

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