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First State Bank and Trust Company


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
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 163rd largest bank in the state of Texas. It is also the 1,706th largest bank in the nation. It was established in 1902 and as of March of 2025, it had grown to 54 employees at 1 location. First State Bank and Trust Company's CD rates are 3X the national average, and it has a B+ health rating.

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Health
B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #11559
Year Established1902
Employees54
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.51%
Return on Equity - YTD6.08%
Annual Interest Income$5.3MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$541.3MM$587.3MM
LoansQ1 2025vs Q1 2024$180.6MM$182.3MM
DepositsQ1 2025vs Q1 2024$454.6MM$505.4MM
Equity CapitalQ1 2025vs Q1 2024$48MM$42.6MM
Loan Loss AllowanceQ1 2025vs Q1 2024$1.5MM$1.8MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$2.5MM$2.7MM
Real Estate OwnedQ1 2025vs Q1 2024$75K$75K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%$100-Savings Account

First State Bank and Trust Company Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.95%*$500k*-Super Money Market
OTHER TIERS: 0.20% → $2.5k - $25k | 0.55% → $25k - $75k | 0.60% → $75k - $150k | 0.75% → $150k - $500k
0.20%$2.5k-Money Market

First State Bank and Trust Company Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%$2.5k-Super NOW
0.18%$1.5k-Now

First State Bank and Trust Company CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.78%$1k-12 Month CD
2.57%$1k-18 Month CD
2.57%$1k-24 Month CD
2.42%$1k-30 Month CD
2.32%$1k-36 Month CD
2.02%$2.5k-182-364 Day CD
1.91%$1k-48 Month CD
1.91%$1k-60 Month CD
0.95%$2.5k-91-181 Day CD
0.55%$2.5k-32-90 Day CD
0.40%$2.5k-7-31 Day CD

First State Bank and Trust Company IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.78%$0-12 Month Fixed IRA
2.57%$0-18 Month Fixed IRA
2.57%$0-24 Month Fixed IRA
2.42%$0-30 Month Fixed IRA
2.32%$0-36 Month Fixed IRA
2.02%$0-6 Month Fixed IRA
2.02%$0-18 Month Variable IRA
1.91%$0-48 Month Fixed IRA
1.91%$0-60 Month Fixed IRA
0.95%$0-3 Month Fixed IRA
Locations


First State Bank and Trust Company Locations
First State Bank and Trust Company110 W Panola StCarthage, TX 75633

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