First State Bank (Gainsville)

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LOCATIONS

Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
0.60%	Reward Checking	Reward Checking 1.84% - National Average
0.55%	1-year CD	12 Month CD 1.40% - Synchrony Bank 12 Month CD
0.20%	Savings	Savings 1.20% - Goldman Sachs Bank USA Online Savings

View all First State Bank (Gainsville) rates »

Overview / Commentary

www.f-s-b.com

940-665-1711

801 East California Street
Gainesville, TX 76240

First State Bank (Gainsville) is headquartered in Gainesville and is the 56^th largest bank in the state of Texas. It is also the 720^th largest bank in the nation. It was established in 1905 and as of March of 2017, it had grown to 207 employees at 14 locations. First State Bank (Gainsville) has an A health rating.

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Health

A

Data as of Q1 2017

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Health Grade Components

Overall
FDIC Certificate #	15511
Year Established	1905
Employees	207
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	1.47%
Return on Equity - YTD	16.54%
Annual Interest Income	$9.5MM

Assets and Liabilities
Assets	Q1 2017vs Q1 2016	$1.04B$1.00B
Loans	Q1 2017vs Q1 2016	$509.5MM$467.3MM
Deposits	Q1 2017vs Q1 2016	$937.6MM$899.7MM
Equity Capital	Q1 2017vs Q1 2016	$92.2MM$97.1MM
Loan Loss Allowance	Q1 2017vs Q1 2016	$6.3MM$5.6MM
Unbacked Noncurrent Loans	Q1 2017vs Q1 2016	$538.00K$1.6MM
Real Estate Owned	Q1 2017vs Q1 2016	$0$0

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 (Gainsville) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.45%^*	$5k^*	-	Health Savings Account
OTHER TIERS: 0.20% → $1k - $5k
0.20%	-	-	Savings

First State Bank (Gainsville) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.40%^*	$25k^*	-	VIP Money Market
OTHER TIERS: 0.30% → Up to $10k \| 0.35% → $10k - $25k
0.30%	-	-	Money Market

First State Bank (Gainsville) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.10%^*	-	$20k	Reward Checking2
OTHER TIERS: 0.20% → $20k+
0.60%^*	-	$20k	Reward Checking
OTHER TIERS: 0.20% → $20k+
0.15%	-	-	Interest Checking

First State Bank (Gainsville) CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.20%	$1k	-	48 Month CD
1.10%	$1k	-	36 Month CD
0.90%	$1k	-	24 Month CD
0.90%	$1k	-	30 Month CD
0.70%	$1k	-	18 Month CD
0.55%	$1k	-	12 Month CD
0.45%	$1k	-	9 Month CD
0.40%	$1k	-	6 Month CD
0.20%	$1k	-	1 Month CD
0.20%	$1k	-	2 Month CD
0.20%	$1k	-	3 Month CD

First State Bank (Gainsville) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.90%	$300	-	24 Month IRA
0.70%	$300	-	18 Month IRA
0.55%	$300	-	12 Month IRA
0.40%	$300	-	6 Month IRA

Locations

First State Bank (Gainsville) has 12 locations. Click to view all First State Bank (Gainsville) locations.