First State Bank of Texas

Overview / Commentary

www.fsboftx.com

361-786-2525

422 Dibrell Avenue
Three Rivers, TX 78071

First State Bank of Texas is headquartered in Three Rivers and is the 264^th largest bank in the state of Texas. It is also the 3,165^th largest bank in the nation. It was established in 1914 and as of September of 2019, it had grown to 39 employees at 3 locations. First State Bank of Texas' CD rates are 40% higher than the national average, and it boasts an A+ health rating.

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Health

A+

Data as of Q3 2019

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Health Grade Components

Overall
FDIC Certificate #	11922
Year Established	1914
Employees	39
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.62%
Return on Equity - YTD	4.42%
Annual Interest Income	$5.6MM

Assets and Liabilities
Assets	Q3 2019vs Q3 2018	$169.8MM$160.0MM
Loans	Q3 2019vs Q3 2018	$119.8MM$118.2MM
Deposits	Q3 2019vs Q3 2018	$145.5MM$135.9MM
Equity Capital	Q3 2019vs Q3 2018	$23.8MM$23.7MM
Loan Loss Allowance	Q3 2019vs Q3 2018	$949.00K$811.00K
Unbacked Noncurrent Loans	Q3 2019vs Q3 2018	$333.00K$28.00K
Real Estate Owned	Q3 2019vs Q3 2018	$0$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.

First State Bank of Texas Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.40%	-	-	Savings Account

First State Bank of Texas Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.75%^*	$50k^*	-	Money Market Checking Account
OTHER TIERS: 0.35% → Up to $25k \| 0.55% → $25k - $50k

First State Bank of Texas Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.35%	-	-	Now Account

First State Bank of Texas CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.24%	$10k	-	58 Month Promotional CD (New Money Only)
2.14%	$10k	-	34 Month Promotional CD (New Money Only)
2.04%	$10k	-	22 Month Promotional CD (New Money Only)
1.94%	$10k	-	14 Month Promotional CD (New Money Only)
1.76%	$1k	-	36 Month CD
1.51%	$1k	-	24 Month CD
1.36%	$1k	-	18 Month CD
1.26%	$1k	-	12 Month CD
0.75%	$1k	-	6 Month CD
0.35%	$1k	-	90 Day CD
0.15%	$1k	-	30 Day CD

First State Bank of Texas IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.36%	$1k	-	18 Month Fixed IRA
1.26%	$1k	-	12 Month Fixed IRA
1.26%	$1k	-	12 Month Roth IRA
1.26%	$1k	-	12 Month Education IRA

Locations

First State Bank of Texas Locations
First State Bank	4039 I-10 East	Orange, TX 77630
Beaumont Branch	8350 Phelan Blvd, Suite A	Beaumont, TX 77706
Three Rivers Branch	422 Dibrell Avenue	Three Rivers, TX 78071

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