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 1.82% - National Average
0.55%	1-year CD	12 Month CD 1.30% - Barclays 12 Month Online CD
0.20%	Savings	Savings 1.05% - Barclays 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 56^th largest bank in the state of Texas. It is also the 728^th largest bank in the nation. It was established in 1905 and as of December of 2016, it had grown to 198 employees at 14 locations. First State Bank (Gainsville) has an A health rating.

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Health

A

Data as of Q4 2016

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Health Grade Components

Overall
FDIC Certificate #	15511
Year Established	1905
Employees	198
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	1.26%
Return on Equity - YTD	13.03%
Annual Interest Income	$34.4MM

Assets and Liabilities
Assets	Q4 2016vs Q4 2015	$1.01B$989.7MM
Loans	Q4 2016vs Q4 2015	$524.5MM$457.2MM
Deposits	Q4 2016vs Q4 2015	$913.1MM$885.9MM
Equity Capital	Q4 2016vs Q4 2015	$90.9MM$95.5MM
Loan Loss Allowance	Q4 2016vs Q4 2015	$6.2MM$5.4MM
Unbacked Noncurrent Loans	Q4 2016vs Q4 2015	$58.00K$796.00K
Real Estate Owned	Q4 2016vs Q4 2015	$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.