First State Bank and Trust Company

Popular Accounts at this Bank

APY	ACCOUNT TYPE	HOW THEY COMPARE
2.02%	5-year CD	3.10% - Goldman Sachs Bank USA High-yield 5 Year CD
1.26%	1-year CD	2.55% - Goldman Sachs Bank USA High-yield 12 Month CD
0.15%	Savings	2.00% - American Express National Bank High Yield 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 123^rd largest bank in the state of Texas. It is also the 1,425^th largest bank in the nation. It was established in 1902 and as of June of 2018, it had grown to 60 employees at 1 location. First State Bank and Trust Company's CD rates are 40% higher than the national average, and it has an A health rating.

Overall
FDIC Certificate #	11559
Year Established	1902
Employees	60
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.28%
Return on Equity - YTD	7.9%
Annual Interest Income	$8.2MM

Assets and Liabilities
Assets	Q2 2018vs Q2 2017	$502.2MM$474.5MM
Loans	Q2 2018vs Q2 2017	$174.8MM$178.4MM
Deposits	Q2 2018vs Q2 2017	$368.4MM$379.4MM
Equity Capital	Q2 2018vs Q2 2017	$75.5MM$80.1MM
Loan Loss Allowance	Q2 2018vs Q2 2017	$1.3MM$1.4MM
Unbacked Noncurrent Loans	Q2 2018vs Q2 2017	$1.1MM$1.8MM
Real Estate Owned	Q2 2018vs Q2 2017	$85.00K$854.00K

Rates

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Money Market
Checking
CD
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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
0.25%^*	$150k^*	-	Super Money Market
OTHER TIERS: 0.16% → $2.5k - $25k \| 0.17% → $25k - $75k \| 0.20% → $75k - $150k
0.16%	$2.5k	-	Money Market

First State Bank and Trust Company Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.16%	$2.5k	-	Super NOW
0.15%	$1.5k	-	Now

First State Bank and Trust Company CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.02%	$1k	-	60 Month CD
1.71%	$1k	-	48 Month CD
1.61%	$1k	-	36 Month CD
1.46%	$1k	-	30 Month CD
1.41%	$1k	-	24 Month CD
1.31%	$1k	-	18 Month CD
1.26%	$1k	-	12 Month CD
0.90%	$2.5k	-	182-364 Day CD
0.65%	$2.5k	-	91-181 Day CD
0.30%	$2.5k	-	32-90 Day CD
0.20%	$2.5k	-	7-31 Day CD

First State Bank and Trust Company IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.02%	-	-	60 Month Fixed IRA
1.71%	-	-	48 Month Fixed IRA
1.61%	-	-	36 Month Fixed IRA
1.46%	-	-	30 Month Fixed IRA
1.41%	-	-	24 Month Fixed IRA
1.31%	-	-	18 Month Fixed IRA
1.26%	-	-	12 Month Fixed IRA
0.90%	-	-	6 Month Fixed IRA
0.90%	-	-	18 Month Variable IRA
0.65%	-	-	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

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