First State Bank and Trust Company

Overview / Commentary
110 West Panola Street
Carthage, TX 75633

First State Bank and Trust Company is headquartered in Carthage and is the 146th largest bank in the state of Texas. It is also the 1,511th largest bank in the nation. It was established in 1902 and as of March of 2022, it had grown to 56 employees at 1 location. First State Bank and Trust Company has an A health rating.


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Health Grade Components

FDIC Certificate #11559
Year Established1902
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.09%
Return on Equity - YTD8.7%
Annual Interest Income$4.1MM
Assets and Liabilities
AssetsQ1 2022vs Q1 2021$596.4MM$535.6MM
LoansQ1 2022vs Q1 2021$159.1MM$163.3MM
DepositsQ1 2022vs Q1 2021$525.5MM$437.4MM
Equity CapitalQ1 2022vs Q1 2021$67.9MM$84.7MM
Loan Loss AllowanceQ1 2022vs Q1 2021$2.1MM$2.0MM
Unbacked Noncurrent LoansQ1 2022vs Q1 2021$2.6MM$2.9MM
Real Estate OwnedQ1 2022vs Q1 2021$61.00K$24.00K
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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

0.10%$100-Savings Account

First State Bank and Trust Company Money Market Rates

0.35%*$500k*-Super Money Market
OTHER TIERS: 0.10% $2.5k - $75k | 0.15% $75k - $150k | 0.20% $150k - $500k
0.10%$2.5k-Money Market

First State Bank and Trust Company Checking Account Rates

0.10%$2.5k-Super NOW

First State Bank and Trust Company CD Rates

0.50%$1k-60 Month CD
0.45%$1k-48 Month CD
0.40%$1k-36 Month CD
0.35%$1k-18 Month CD
0.35%$1k-24 Month CD
0.35%$1k-30 Month CD
0.30%$1k-12 Month CD
0.15%$2.5k-182-364 Day CD
0.10%$2.5k-7-31 Day CD
0.10%$2.5k-32-90 Day CD
0.10%$2.5k-91-181 Day CD

First State Bank and Trust Company IRA Rates

0.50%--60 Month Fixed IRA
0.45%--48 Month Fixed IRA
0.40%--36 Month Fixed IRA
0.35%--18 Month Fixed IRA
0.35%--24 Month Fixed IRA
0.35%--30 Month Fixed IRA
0.30%--12 Month Fixed IRA
0.15%--6 Month Fixed IRA
0.15%--18 Month Variable IRA
0.10%--3 Month Fixed IRA

First State Bank and Trust Company Locations
First State Bank and Trust Company110 West Panola StreetCarthage, TX 75633

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