First State Bank (Gainsville)

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LOCATIONS

Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
0.50%	Reward Checking	Reward Checking 1.75% - National Average
0.35%	1-year CD	12 Month CD 1.05% - Ally Bank High Yield 12-Month CD
0.08%	Savings	Savings 1.00% - Ally Bank Online Savings Account

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 60^th largest bank in the state of Texas. It is also the 740^th largest bank in the nation. It was established in 1905 and as of June of 2016, it had grown to 200 employees at 14 locations. First State Bank (Gainsville) has an A health rating.

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Health

A

Data as of Q2 2016

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Health Grade Components

Overall
FDIC Certificate #	15511
Year Established	1905
Employees	200
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	1.21%
Return on Equity - YTD	12.26%
Annual Interest Income	$16.8MM

Assets and Liabilities
Assets	Q2 2016vs Q2 2015	$994.2MM$976.9MM
Loans	Q2 2016vs Q2 2015	$501.1MM$434.4MM
Deposits	Q2 2016vs Q2 2015	$883.3MM$868.4MM
Equity Capital	Q2 2016vs Q2 2015	$101.3MM$91.2MM
Loan Loss Allowance	Q2 2016vs Q2 2015	$5.8MM$5.1MM
Unbacked Noncurrent Loans	Q2 2016vs Q2 2015	$1.5MM$70.00K
Real Estate Owned	Q2 2016vs Q2 2015	$0$0

Rates

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First State Bank (Gainsville) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.30%^*	$5k^*	-	Health Savings Account
OTHER TIERS: 0.10% → $1k - $5k
0.08%	-	-	Savings

First State Bank (Gainsville) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.20%^*	$25k^*	-	VIP Money Market
OTHER TIERS: 0.10% → Up to $10k \| 0.15% → $10k - $25k
0.10%	-	-	Money Market

First State Bank (Gainsville) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%^*	-	$20k	Reward Checking2
OTHER TIERS: 0.10% → $20k+
0.50%^*	-	$20k	Reward Checking
OTHER TIERS: 0.10% → $20k+
0.05%	-	-	Interest Checking

First State Bank (Gainsville) CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%	$1k	-	48 Month CD
0.90%	$1k	-	36 Month CD
0.70%	$1k	-	30 Month CD
0.65%	$1k	-	24 Month CD
0.50%	$1k	-	18 Month CD
0.35%	$1k	-	12 Month CD
0.25%	$1k	-	9 Month CD
0.20%	$1k	-	6 Month CD
0.10%	$1k	-	1 Month CD
0.10%	$1k	-	2 Month CD
0.10%	$1k	-	3 Month CD

First State Bank (Gainsville) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%	$300	-	18 Month IRA
0.35%	$300	-	12 Month IRA
0.20%	$300	-	6 Month IRA

Locations

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