First State Bank and Trust Company

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LOCATIONS

Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
1.26%	5-year CD	60 Month CD 1.85% - Synchrony Bank 60 Month CD
0.35%	1-year CD	12 Month CD 1.05% - Ally Bank High Yield 12-Month CD
0.10%	Savings	Savings Account 1.00% - Ally Bank Online Savings Account

View all First State Bank and Trust Company rates »

Overview / Commentary

www.fsbcarthage.com

903-693-6606

110 West Panola Street
Carthage, TX 75633

First State Bank and Trust Company is headquartered in Carthage and is the 118^th largest bank in the state of Texas. It is also the 1,403^rd largest bank in the nation. It was established in 1902 and as of June of 2016, it had grown to 66 employees at 1 location. First State Bank and Trust Company has a B+ health rating.

Overall
FDIC Certificate #	11559
Year Established	1902
Employees	66
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.36%
Return on Equity - YTD	8.64%
Annual Interest Income	$8.4MM

Assets and Liabilities
Assets	Q2 2016vs Q2 2015	$496.8MM$516.0MM
Loans	Q2 2016vs Q2 2015	$178.9MM$172.7MM
Deposits	Q2 2016vs Q2 2015	$379.3MM$403.5MM
Equity Capital	Q2 2016vs Q2 2015	$81.9MM$76.4MM
Loan Loss Allowance	Q2 2016vs Q2 2015	$1.3MM$1.2MM
Unbacked Noncurrent Loans	Q2 2016vs Q2 2015	$2.0MM$1.9MM
Real Estate Owned	Q2 2016vs Q2 2015	$216.00K$29.00K

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 State Bank and Trust Company Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$100	-	Savings Account

First State Bank and Trust Company Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.20%^*	$150k^*	-	Super Money Market
OTHER TIERS: 0.11% → $2,500 - $25k \| 0.12% → $25k - $75k \| 0.15% → $75k - $150k
0.11%	$2,500	-	Money Market

First State Bank and Trust Company Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.11%	$2,500	-	Super NOW
0.10%	$1,500	-	Now

First State Bank and Trust Company CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.26%	$1k	-	60 Month CD
0.95%	$1k	-	48 Month CD
0.75%	$1k	-	36 Month CD
0.65%	$1k	-	30 Month CD
0.55%	$1k	-	24 Month CD
0.45%	$1k	-	18 Month CD
0.35%	$1k	-	12 Month CD
0.25%	$2,500	-	182-364 Day CD
0.15%	$2,500	-	91-181 Day CD
0.10%	$2,500	-	32-90 Day CD
0.05%	$2,500	-	7-31 Day CD

First State Bank and Trust Company IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.26%	-	-	60 Month Fixed IRA
0.95%	-	-	48 Month Fixed IRA
0.75%	-	-	36 Month Fixed IRA
0.65%	-	-	30 Month Fixed IRA
0.55%	-	-	24 Month Fixed IRA
0.45%	-	-	18 Month Fixed IRA
0.35%	-	-	12 Month Fixed IRA
0.25%	-	-	6 Month Fixed IRA
0.25%	-	-	18 Month Variable IRA
0.15%	-	-	3 Month Fixed IRA

Locations

First State Bank and Trust Company Locations
First State Bank and Trust Company	110 West Panola Street	Carthage, TX 75633