First State Bank and Trust Company

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

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

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

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

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 163^rd largest bank in the state of Texas. It is also the 1,706^th 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 Established	1902
Employees	54
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.51%
Return on Equity - YTD	6.08%
Annual Interest Income	$5.3MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$541.3MM$587.3MM
Loans	Q1 2025vs Q1 2024	$180.6MM$182.3MM
Deposits	Q1 2025vs Q1 2024	$454.6MM$505.4MM
Equity Capital	Q1 2025vs Q1 2024	$48MM$42.6MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$1.5MM$1.8MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$2.5MM$2.7MM
Real Estate Owned	Q1 2025vs Q1 2024	$75K$75K

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

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

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

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

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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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 and Trust Company Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.15%	$100	-	Savings Account

First State Bank and Trust Company Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%	$2.5k	-	Super NOW
0.18%	$1.5k	-	Now

First State Bank and Trust Company CD Rates

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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 Company	110 W Panola St	Carthage, TX 75633

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