Overview / Commentary
940-665-1711
801 East California Street
Gainesville, TX 76240

First State Bank (Gainsville) is headquartered in Gainesville and is the 55th largest bank in the state of Texas. It is also the 707th largest bank in the nation. It was established in 1905 and as of June of 2018, it had grown to 243 employees at 12 locations. First State Bank (Gainsville)'s money market rates are 14% higher than the national average, and it has a B+ health rating.

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Health
B+

Health Grade Components

Overall
FDIC Certificate #15511
Year Established1905
Employees243
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.29%
Return on Equity - YTD15.75%
Annual Interest Income$21.0MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$1.09B$1.04B
LoansQ2 2018vs Q2 2017$582.0MM$512.1MM
DepositsQ2 2018vs Q2 2017$937.5MM$932.0MM
Equity CapitalQ2 2018vs Q2 2017$88.6MM$96.5MM
Loan Loss AllowanceQ2 2018vs Q2 2017$6.5MM$6.4MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$1.3MM$603.00K
Real Estate OwnedQ2 2018vs Q2 2017$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not First State Bank (Gainsville); we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First State Bank (Gainsville) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%*$5k*-Health Savings Account
OTHER TIERS: 0.20% $1k - $5k
0.25%--Savings

First State Bank (Gainsville) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$100k*-VIP Money Market
OTHER TIERS: 0.40% Up to $50k | 0.45% $50k - $100k
0.35%--Money Market

First State Bank (Gainsville) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.10%*-$20kReward Checking2
OTHER TIERS: 0.20% $20k+
0.60%*-$20kReward Checking
OTHER TIERS: 0.20% $20k+
0.15%--Interest Checking

First State Bank (Gainsville) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%$1k-48 Month CD
1.76%$1k-36 Month CD
1.51%$1k-24 Month CD
1.51%$1k-30 Month CD
1.00%$1k-18 Month CD
0.75%$1k-12 Month CD
0.65%$1k-9 Month CD
0.60%$1k-6 Month CD
0.30%$1k-1 Month CD
0.30%$1k-2 Month CD
0.30%$1k-3 Month CD

First State Bank (Gainsville) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%$300-24 Month IRA
1.00%$300-18 Month IRA
0.75%$300-12 Month IRA
0.60%$300-6 Month IRA
Locations

Availability



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