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Bank 1st

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Bank 1st Rates & Review August 2026

Q: How many branches does Bank 1st operate?

Bank 1st currently maintains approximately 3 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Bank 1st does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Bank 1st provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 29, 2026

Bank 1st rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.92%, 6-month CD rates at 2.77% and 3-month CD rates at 2.55%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not Bank 1st, and you can see how they compare in the Bank 1st rate tables below. MonitorBankRates evaluates the financial stability of Bank 1st with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Database rates last updated and verified on 08/29/2026.

Bank 1st money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Bank 1st? Share your experience about Bank 1st by leaving a review below, or read customer reviews before you decide to use Bank 1st.

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.00%

Perfect Lower than avg

Bank 1st

115 N Vine St
West Union, IA 52175

https://www.bank1stia.com

Current Rate Availability

We're not currently displaying rates for Bank 1st, but our database is updated constantly — check back soon for the latest offers.

Are you with Bank 1st? We'd love to add your institution's rates. Contact us to get your institution's rates listed on MonitorBankRates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Bank 1st is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Bank 1st rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Bank 1st's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Bank 1st

Bank Holding Company FNB BANSHARES INC

Address 115 N Vine St, West Union, IA 52175 · Fayette

Website https://www.bank1stia.com

FDIC Certificate # 13816

Established 01/01/1934

FDIC Insurance Date 01/31/1934

Domestic Offices 3

Total Branches 3

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.00%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.9729%

Return on Equity (ROE) 13.3900%

Non-Performing Loans (NPL) 0.00%

Total Assets $164,074,000

Total Deposits $133,787,000

Equity Capital $16,579,000

Net Income $1,941,000

Headquarters West Union

Total Branches and Offices 3

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Bank 1st

How many branches does Bank 1st operate?

Bank 1st currently maintains approximately 3 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Bank 1st does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Bank 1st provides members with tools to manage their accounts and build a solid financial history.

Does Bank 1st offer online and mobile banking?

Most modern institutions like Bank 1st provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.bank1stia.com.