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Bath State Bank Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: November 6, 2026
Bath State Bank's 60-Months CD - 60 mths rates are at 0.53%, 54-Months CD - 54 mths rates are at 0.45%, 48-Months CD - 48 mths rates are at 0.42%, 24-Months CD - 24 mths rates are at 0.32%, 6-Months CD - 6 mths rates are at 0.14%. Bath State Bank's savings rates are at 0.20%. Bath State Bank's money market rates are at 1.52%. Bath State Bank's checking rates are as high as 0.10%. Bath State Bank's 15 Year Mortgage rates are at 6.375%, 20 Year Mortgage rates are at 6.50%, 10 Year Mortgage rates are at 6.375%, 30 Year Mortgage rates are at 6.875%. Bath State Bank's top CD rate of 3.85% APY on a 9 month CD is 32% higher than the MonitorBankRates national average of 2.92% APY for that term, and it has a B health rating. MonitorBankRates evaluates the financial stability of Bath State Bank with a 4.0 Star Rating, an B Overall Health Grade, and a Texas Ratio of 9.53%. Rates last updated and verified on 11/06/2026.
Bath State Bank 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 Bath State Bank? Share your experience about Bath State Bank by leaving a review below, or read customer reviews before you decide to use Bath State Bank.
Overall Health & Safety Grade
?
B
Solid HealthScore: 85/100
Overall Health & Safety Grade
Bath State Bank has earned an overall safety grade of B (Solid, Score: 85/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
4.0
Very GoodOut of 5.0 Stars
MonitorBankRates Star Rating
Bath State Bank has earned a Star Rating of 4.0 out of 5 stars (Very Good).
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
?
9.53%
ExcellentHigher than avg
Bath State Bank Texas Ratio
Bath State Bank's Texas Ratio is 9.53%, which is considered excellent and is higher than the national average of 5.85%.
Bath State Bank has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
1.56% to 9.53% over 12 quarters, steadyFull history
Star Rating 1.0 to 4.0, Health Grade F to B
The Texas Ratio for this bank has held steady at a healthy level since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.
Bath State Bank CD Rates
Product
Rate
APY
Term
Min. Deposit
View More
Special CD - 9 mths
-
3.85%
9 months
$500
Min Deposit$500
Min Balance$500
DetailsSpecial rate; Balance: $500-9,999.99
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 3.85% APY · checked 4 times
Institution Ratings
4.0
Star Rating
B
Health Grade
◈ Texas Ratio: 9.53%
Special CD - 9 mths
-
3.85%
9 months
$500
Min Deposit$500
Min Balance$10,000
DetailsSpecial rate; Balance: $10,000-49,999.99
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 3.85% APY · checked 4 times
Institution Ratings
4.0
Star Rating
B
Health Grade
◈ Texas Ratio: 9.53%
Special CD - 9 mths
-
3.85%
9 months
$500
Min Deposit$500
Min Balance$50,000
DetailsSpecial rate; Balance: $50,000-$99,999.99
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 3.85% APY · checked 4 times
Institution Ratings
4.0
Star Rating
B
Health Grade
◈ Texas Ratio: 9.53%
Special CD - 18 mths
-
3.80%
18 months
$500
Min Deposit$500
Min Balance$500
DetailsSpecial rate; Balance: $500-9,999.99
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 3.80% APY · checked 4 times
Institution Ratings
4.0
Star Rating
B
Health Grade
◈ Texas Ratio: 9.53%
Special CD - 18 mths
-
3.80%
18 months
$500
Min Deposit$500
Min Balance$10,000
DetailsSpecial rate; Balance: $10,000-49,999.99
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 3.80% APY · checked 4 times
Institution Ratings
4.0
Star Rating
B
Health Grade
◈ Texas Ratio: 9.53%
Special CD - 18 mths
-
3.80%
18 months
$500
Min Deposit$500
Min Balance$50,000
DetailsSpecial rate; Balance: $50,000-$99,999.99
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 3.80% APY · checked 4 times
Institution Ratings
4.0
Star Rating
B
Health Grade
◈ Texas Ratio: 9.53%
Special CD - 15 mths
-
3.75%
15 months
$500
Min Deposit$500
Min Balance$500
DetailsSpecial rate; Balance: $500-9,999.99
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 3.75% APY · checked 4 times
Institution Ratings
4.0
Star Rating
B
Health Grade
◈ Texas Ratio: 9.53%
Special CD - 15 mths
-
3.75%
15 months
$500
Min Deposit$500
Min Balance$10,000
DetailsSpecial rate; Balance: $10,000-49,999.99
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 3.75% APY · checked 4 times
Institution Ratings
4.0
Star Rating
B
Health Grade
◈ Texas Ratio: 9.53%
Special CD - 15 mths
-
3.75%
15 months
$500
Min Deposit$500
Min Balance$50,000
DetailsSpecial rate; Balance: $50,000-$99,999.99
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 3.75% APY · checked 4 times
Institution Ratings
4.0
Star Rating
B
Health Grade
◈ Texas Ratio: 9.53%
Special CD - 12 mths
-
3.25%
12 months
$500
Min Deposit$500
Min Balance$500
DetailsSpecial rate; Balance: $500-9,999.99
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 3.25% APY · checked 4 times
Institution Ratings
4.0
Star Rating
B
Health Grade
◈ Texas Ratio: 9.53%
Special CD - 12 mths
-
3.25%
12 months
$500
Min Deposit$500
Min Balance$10,000
DetailsSpecial rate; Balance: $10,000-49,999.99
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 3.25% APY · checked 4 times
Institution Ratings
4.0
Star Rating
B
Health Grade
◈ Texas Ratio: 9.53%
Special CD - 12 mths
-
3.25%
12 months
$500
Min Deposit$500
Min Balance$50,000
DetailsSpecial rate; Balance: $50,000-$99,999.99
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 3.25% APY · checked 4 times
Institution Ratings
4.0
Star Rating
B
Health Grade
◈ Texas Ratio: 9.53%
Special CD - 36 mths
-
3.00%
36 months
$500
Min Deposit$500
Min Balance$500
DetailsSpecial rate; Balance: $500-9,999.99
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 3.00% APY · checked 4 times
Institution Ratings
4.0
Star Rating
B
Health Grade
◈ Texas Ratio: 9.53%
Special CD - 36 mths
-
3.00%
36 months
$500
Min Deposit$500
Min Balance$10,000
DetailsSpecial rate; Balance: $10,000-49,999.99
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 3.00% APY · checked 4 times
Institution Ratings
4.0
Star Rating
B
Health Grade
◈ Texas Ratio: 9.53%
Special CD - 36 mths
-
3.00%
36 months
$500
Min Deposit$500
Min Balance$50,000
DetailsSpecial rate; Balance: $50,000-$99,999.99
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 3.00% APY · checked 4 times
Institution Ratings
4.0
Star Rating
B
Health Grade
◈ Texas Ratio: 9.53%
CD - 60 mths
-
0.53%
60 months
$500
Min Deposit$500
Min Balance$500
DetailsBalance: $500-9,999.99
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 0.53% APY · checked 4 times
Institution Ratings
4.0
Star Rating
B
Health Grade
◈ Texas Ratio: 9.53%
CD - 60 mths
-
0.53%
60 months
$500
Min Deposit$500
Min Balance$10,000
DetailsBalance: $10,000-49,999.99
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 0.53% APY · checked 4 times
Institution Ratings
4.0
Star Rating
B
Health Grade
◈ Texas Ratio: 9.53%
CD - 60 mths
-
0.53%
60 months
$500
Min Deposit$500
Min Balance$50,000
DetailsBalance: $50,000-$99,999.99
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 0.53% APY · checked 4 times
Institution Ratings
4.0
Star Rating
B
Health Grade
◈ Texas Ratio: 9.53%
CD - 54 mths
-
0.45%
54 months
$500
Min Deposit$500
Min Balance$500
DetailsBalance: $500-9,999.99
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 0.45% APY · checked 4 times
Institution Ratings
4.0
Star Rating
B
Health Grade
◈ Texas Ratio: 9.53%
CD - 54 mths
-
0.45%
54 months
$500
Min Deposit$500
Min Balance$10,000
DetailsBalance: $10,000-49,999.99
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 0.45% APY · checked 4 times
Institution Ratings
4.0
Star Rating
B
Health Grade
◈ Texas Ratio: 9.53%
CD - 54 mths
-
0.45%
54 months
$500
Min Deposit$500
Min Balance$50,000
DetailsBalance: $50,000-$99,999.99
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 0.45% APY · checked 4 times
Institution Ratings
4.0
Star Rating
B
Health Grade
◈ Texas Ratio: 9.53%
CD - 48 mths
-
0.42%
48 months
$500
Min Deposit$500
Min Balance$500
DetailsBalance: $500-9,999.99
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 0.42% APY · checked 4 times
Institution Ratings
4.0
Star Rating
B
Health Grade
◈ Texas Ratio: 9.53%
CD - 48 mths
-
0.42%
48 months
$500
Min Deposit$500
Min Balance$10,000
DetailsBalance: $10,000-49,999.99
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 0.42% APY · checked 4 times
Institution Ratings
4.0
Star Rating
B
Health Grade
◈ Texas Ratio: 9.53%
CD - 48 mths
-
0.42%
48 months
$500
Min Deposit$500
Min Balance$50,000
DetailsBalance: $50,000-$99,999.99
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 0.42% APY · checked 4 times
Institution Ratings
4.0
Star Rating
B
Health Grade
◈ Texas Ratio: 9.53%
CD - 24 mths
-
0.32%
24 months
$500
Min Deposit$500
Min Balance$500
DetailsBalance: $500-9,999.99
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 0.32% APY · checked 4 times
Institution Ratings
4.0
Star Rating
B
Health Grade
◈ Texas Ratio: 9.53%
CD - 24 mths
-
0.32%
24 months
$500
Min Deposit$500
Min Balance$10,000
DetailsBalance: $10,000-49,999.99
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 0.32% APY · checked 4 times
Institution Ratings
4.0
Star Rating
B
Health Grade
◈ Texas Ratio: 9.53%
CD - 24 mths
-
0.32%
24 months
$500
Min Deposit$500
Min Balance$50,000
DetailsBalance: $50,000-$99,999.99
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 0.32% APY · checked 4 times
Institution Ratings
4.0
Star Rating
B
Health Grade
◈ Texas Ratio: 9.53%
CD - 6 mths
-
0.14%
6 months
$500
Min Deposit$500
Min Balance$50,000
DetailsBalance: $50,000-$99,999.99
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 0.14% APY · checked 4 times
Institution Ratings
4.0
Star Rating
B
Health Grade
◈ Texas Ratio: 9.53%
CD - 6 mths
-
0.12%
6 months
$500
Min Deposit$500
Min Balance$10,000
DetailsBalance: $10,000-49,999.99
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 0.12% APY · checked 4 times
Institution Ratings
4.0
Star Rating
B
Health Grade
◈ Texas Ratio: 9.53%
CD - 6 mths
-
0.10%
6 months
$500
Min Deposit$500
Min Balance$500
DetailsBalance: $500-9,999.99
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 0.10% APY · checked 4 times
Institution Ratings
4.0
Star Rating
B
Health Grade
◈ Texas Ratio: 9.53%
CD - 3 mths
-
0.08%
3 months
$500
Min Deposit$500
Min Balance$50,000
DetailsBalance: $50,000-$99,999.99
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 0.08% APY · checked 4 times
Institution Ratings
4.0
Star Rating
B
Health Grade
◈ Texas Ratio: 9.53%
CD - 3 mths
-
0.06%
3 months
$500
Min Deposit$500
Min Balance$10,000
DetailsBalance: $10,000-49,999.99
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 0.06% APY · checked 4 times
Institution Ratings
4.0
Star Rating
B
Health Grade
◈ Texas Ratio: 9.53%
CD - 3 mths
-
0.04%
3 months
$500
Min Deposit$500
Min Balance$500
DetailsBalance: $500-9,999.99
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 0.04% APY · checked 4 times
Institution Ratings
4.0
Star Rating
B
Health Grade
◈ Texas Ratio: 9.53%
Bath State Bank Savings Rates
Product
Rate
APY
View More
Health Savings Account
-
0.20%
No additional details.
Last Updated11/06/2026
Rate History
No change since Sep 19, 2026 · 0.20% APY · checked 10 times
Institution Ratings
4.0
Star Rating
B
Health Grade
◈ Texas Ratio: 9.53%
Savings/Kids Club
-
0.10%
Min Deposit$5
Last Updated11/06/2026
Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 10 times
Institution Ratings
4.0
Star Rating
B
Health Grade
◈ Texas Ratio: 9.53%
Bath State Bank Money Market Rates
Product
Rate
APY
View More
Early Harvest Money Market
-
1.52%
Min Deposit$5,000
Min Balance$150,000
DetailsBalance: $150,000 and over
Last Updated11/06/2026
Rate History
No change since Oct 7, 2026 · 1.52% APY · checked 6 times
Institution Ratings
4.0
Star Rating
B
Health Grade
◈ Texas Ratio: 9.53%
Early Harvest Money Market
-
1.16%
Min Deposit$5,000
Min Balance$100,000
DetailsBalance: $100,000-$149,999.99
Last Updated11/06/2026
Rate History
No change since Oct 7, 2026 · 1.16% APY · checked 6 times
Institution Ratings
4.0
Star Rating
B
Health Grade
◈ Texas Ratio: 9.53%
Early Harvest Money Market
-
0.80%
Min Deposit$5,000
Min Balance$50,000
DetailsBalance: $50,000-$99,999.99
Last Updated11/06/2026
Rate History
No change since Oct 7, 2026 · 0.80% APY · checked 6 times
Institution Ratings
4.0
Star Rating
B
Health Grade
◈ Texas Ratio: 9.53%
Early Harvest Money Market
-
0.60%
Min Deposit$5,000
Min Balance$25,000
DetailsBalance: $25,000-$49,999.99
Last Updated11/06/2026
Rate History
No change since Oct 7, 2026 · 0.60% APY · checked 6 times
Institution Ratings
4.0
Star Rating
B
Health Grade
◈ Texas Ratio: 9.53%
Early Harvest Money Market
-
0.50%
Min Deposit$5,000
Min Balance$0
DetailsBalance: Up to $24,999.99
Last Updated11/06/2026
Rate History
No change since Oct 7, 2026 · 0.50% APY · checked 4 times
Institution Ratings
4.0
Star Rating
B
Health Grade
◈ Texas Ratio: 9.53%
Bath State Bank Checking Rates
Product
Rate
APY
View More
Super NOW Checking
-
0.10%
Min Deposit$2,500
Min Balance$2,500
DetailsBalance: $2,500 and over
Last Updated11/06/2026
Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 10 times
Institution Ratings
4.0
Star Rating
B
Health Grade
◈ Texas Ratio: 9.53%
NOW Checking
-
0.05%
Min Deposit$750
Min Balance$750
DetailsBalance: $750 and over
Last Updated11/06/2026
Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 10 times
Institution Ratings
4.0
Star Rating
B
Health Grade
◈ Texas Ratio: 9.53%
Super NOW Checking
-
0.05%
Min Deposit$2,500
Min Balance$750
DetailsBalance: $750-$2,499.99
Last Updated11/06/2026
Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 10 times
Institution Ratings
4.0
Star Rating
B
Health Grade
◈ Texas Ratio: 9.53%
NOW Checking
-
0.01%
Min Deposit$750
Min Balance$0
DetailsBalance: Up to $749.99
Last Updated11/06/2026
Rate History
No change since Sep 19, 2026 · 0.01% APY · checked 8 times
Institution Ratings
4.0
Star Rating
B
Health Grade
◈ Texas Ratio: 9.53%
Super NOW Checking
-
0.01%
Min Deposit$2,500
Min Balance$0
DetailsBalance: Up to $749.99
Last Updated11/06/2026
Rate History
No change since Sep 19, 2026 · 0.01% APY · checked 8 times
Institution Ratings
4.0
Star Rating
B
Health Grade
◈ Texas Ratio: 9.53%
Bath State Bank Mortgage Rates
Product
Rate
Points
APR
Term
View More
15 Year Mortgage
6.375%
1
6.606%
15 years
DetailsEffective: November 5, 2026; owner-occupied single-family residences
Last Updated11/06/2026
Rate History
6 changes since Sep 24, 2026 · 6.86% → 6.61% ▼ 0.25 pts · high 7.11% / low 6.61%
Nov 6, 20266.61%▼ from 6.73%
Oct 21, 20266.73%▼ from 6.98%
Oct 11, 20266.98%▼ from 7.11%
Oct 7, 20267.11%▲ from 6.86%
Institution Ratings
4.0
Star Rating
B
Health Grade
◈ Texas Ratio: 9.53%
15 Year Mortgage
6.50%
0.5
6.652%
15 years
DetailsEffective: November 5, 2026; owner-occupied single-family residences
Last Updated11/06/2026
Rate History
6 changes since Sep 24, 2026 · 6.90% → 6.65% ▼ 0.25 pts · high 7.28% / low 6.65%
Nov 6, 20266.65%▼ from 6.90%
Oct 21, 20266.90%▼ from 7.03%
Oct 11, 20267.03%▼ from 7.28%
Oct 7, 20267.28%▲ from 6.90%
Institution Ratings
4.0
Star Rating
B
Health Grade
◈ Texas Ratio: 9.53%
20 Year Mortgage
6.50%
1
6.686%
20 years
DetailsEffective: November 5, 2026; owner-occupied single-family residences
Last Updated11/06/2026
Rate History
7 changes since Sep 24, 2026 · 7.32% → 6.69% ▼ 0.63 pts · high 7.44% / low 6.69%
Nov 6, 20266.69%▼ from 6.94%
Oct 26, 20266.94%▼ from 7.06%
Oct 21, 20267.06%▼ from 7.19%
Oct 11, 20267.19%▼ from 7.44%
Institution Ratings
4.0
Star Rating
B
Health Grade
◈ Texas Ratio: 9.53%
10 Year Mortgage
6.375%
1
6.701%
10 years
DetailsEffective: November 5, 2026; owner-occupied single-family residences
Last Updated11/06/2026
Rate History
5 changes since Sep 24, 2026 · 6.83% → 6.70% ▼ 0.13 pts · high 7.20% / low 6.70%
Nov 6, 20266.70%▼ from 6.83%
Oct 21, 20266.83%▼ from 6.95%
Oct 11, 20266.95%▼ from 7.20%
Oct 7, 20267.20%▲ from 6.95%
Institution Ratings
4.0
Star Rating
B
Health Grade
◈ Texas Ratio: 9.53%
10 Year Mortgage
6.50%
0.5
6.713%
10 years
DetailsEffective: November 5, 2026; owner-occupied single-family residences
Last Updated11/06/2026
Rate History
8 changes since Sep 24, 2026 · 6.84% → 6.71% ▼ 0.13 pts · high 7.22% / low 6.71%
Nov 6, 20266.71%▼ from 6.84%
Oct 26, 20266.84%▼ from 6.96%
Oct 21, 20266.96%▼ from 7.09%
Oct 11, 20267.09%▼ from 7.22%
Institution Ratings
4.0
Star Rating
B
Health Grade
◈ Texas Ratio: 9.53%
20 Year Mortgage
6.625%
0.5
6.747%
20 years
DetailsEffective: November 5, 2026; owner-occupied single-family residences
Last Updated11/06/2026
Rate History
7 changes since Sep 24, 2026 · 7.38% → 6.75% ▼ 0.63 pts · high 7.50% / low 6.75%
Nov 6, 20266.75%▼ from 7.00%
Oct 26, 20267.00%▼ from 7.12%
Oct 21, 20267.12%▼ from 7.38%
Oct 11, 20267.38%▼ from 7.50%
Institution Ratings
4.0
Star Rating
B
Health Grade
◈ Texas Ratio: 9.53%
15 Year Mortgage
6.75%
0
6.822%
15 years
DetailsEffective: November 5, 2026; owner-occupied single-family residences
Last Updated11/06/2026
Rate History
8 changes since Sep 24, 2026 · 6.95% → 6.82% ▼ 0.13 pts · high 7.32% / low 6.82%
Nov 6, 20266.82%▼ from 6.95%
Oct 26, 20266.95%▼ from 7.07%
Oct 21, 20267.07%▼ from 7.20%
Oct 11, 20267.20%▼ from 7.32%
Institution Ratings
4.0
Star Rating
B
Health Grade
◈ Texas Ratio: 9.53%
10 Year Mortgage
6.75%
0
6.851%
10 years
DetailsEffective: November 5, 2026; owner-occupied single-family residences
Last Updated11/06/2026
Rate History
7 changes since Sep 24, 2026 · 6.98% → 6.85% ▼ 0.13 pts · high 7.35% / low 6.85%
Nov 6, 20266.85%▼ from 6.98%
Oct 21, 20266.98%▼ from 7.23%
Oct 11, 20267.23%▼ from 7.35%
Oct 7, 20267.35%▲ from 6.98%
Institution Ratings
4.0
Star Rating
B
Health Grade
◈ Texas Ratio: 9.53%
20 Year Mortgage
6.875%
0
6.933%
20 years
DetailsEffective: November 5, 2026; owner-occupied single-family residences
Last Updated11/06/2026
Rate History
6 changes since Sep 24, 2026 · 7.43% → 6.93% ▼ 0.50 pts · high 7.69% / low 6.93%
Nov 6, 20266.93%▼ from 7.18%
Oct 21, 20267.18%▼ from 7.43%
Oct 11, 20267.43%▼ from 7.69%
Oct 7, 20267.69%▲ from 7.43%
Institution Ratings
4.0
Star Rating
B
Health Grade
◈ Texas Ratio: 9.53%
30 Year Mortgage
6.875%
1
7.019%
30 years
DetailsEffective: November 5, 2026; owner-occupied single-family residences
Last Updated11/06/2026
Rate History
6 changes since Sep 27, 2026 · 7.40% → 7.02% ▼ 0.38 pts · high 7.65% / low 7.02%
Nov 6, 20267.02%▼ from 7.27%
Oct 21, 20267.27%▼ from 7.52%
Oct 11, 20267.52%▼ from 7.65%
Oct 7, 20267.65%▲ from 7.40%
Institution Ratings
4.0
Star Rating
B
Health Grade
◈ Texas Ratio: 9.53%
30 Year Mortgage
7.00%
0.5
7.095%
30 years
DetailsEffective: November 5, 2026; owner-occupied single-family residences
Last Updated11/06/2026
Rate History
8 changes since Sep 24, 2026 · 7.35% → 7.10% ▼ 0.25 pts · high 7.72% / low 7.10%
Nov 6, 20267.10%▼ from 7.22%
Oct 26, 20267.22%▼ from 7.35%
Oct 21, 20267.35%▼ from 7.60%
Oct 11, 20267.60%▼ from 7.72%
Institution Ratings
4.0
Star Rating
B
Health Grade
◈ Texas Ratio: 9.53%
30 Year Mortgage
7.125%
0
7.17%
30 years
DetailsEffective: November 5, 2026; owner-occupied single-family residences
Last Updated11/06/2026
Rate History
6 changes since Sep 24, 2026 · 7.42% → 7.17% ▼ 0.25 pts · high 7.92% / low 7.17%
Nov 6, 20267.17%▼ from 7.42%
Oct 21, 20267.42%▼ from 7.67%
Oct 11, 20267.67%▼ from 7.92%
Oct 7, 20267.92%▲ from 7.55%
Institution Ratings
4.0
Star Rating
B
Health Grade
◈ Texas Ratio: 9.53%
Bath State Bank Other Rates
Product
Rate
Points
APY/APR
Term
View More
Variable IRA
-
-
2.00%
18 months
Min Deposit$50
DetailsVariable-rate IRA; must be written for a term of 18 months; interest rate adjusts on the 1st day of February, May, August and November
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 2.00% APY · checked 4 times
Institution Ratings
4.0
Star Rating
B
Health Grade
◈ Texas Ratio: 9.53%
Financial Health History
Bath State Bank’s Texas Ratio rose from 1.56% in Q3 2023 to 9.53% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 1.0 to 4.0 and its Health Grade from F to B. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$338M
9.53%
4.0
B
March 31, 2026
$333M
7.42%
3.3
C+
December 31, 2025
$337M
7.77%
3.3
C+
September 30, 2025
$332M
9.23%
3.1
C
June 30, 2025
$324M
10.30%
2.5
D
March 31, 2025
$323M
1.39%
2.4
C
December 31, 2024
$322M
1.62%
2.2
C-
September 30, 2024
$321M
1.63%
2.8
C+
June 30, 2024
$314M
2.63%
1.9
D
March 31, 2024
$315M
2.10%
1.8
D
December 31, 2023
$317M
0.65%
1.6
D
September 30, 2023
$291M
1.56%
1.0
F
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating:
Our rating for Bath State Bank 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 Bath State Bank 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 Bath State Bank's official website for the most current offers and terms.
Bank Holding CompanyBATH ST BCORP EMPLOYEE STK OWNERSHIP PLAN WITH 401 K PROVISIONS
FDIC Certificate #8035
RegulatorFDIC
EstablishedOctober 23, 1923
FDIC Insurance DateJanuary 1, 1934
Domestic Offices3
Total Branches3
FDIC Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
4.0 / 5.0 ★
Overall Health & Safety Grade
B (85/100)
Texas Ratio
9.53%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.0085%
Return on Equity (ROE)
18.2500%
Non-Performing Loans Ratio (NPL)
0.59%
Total Assets
$337,560,000
Total Deposits
$283,891,000
Equity Capital
$20,195,000
Net Income
$1,694,000
Headquarters
Bath
Total Branches and Offices
3
Source: FDIC — Last Updated June 30, 2026
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Frequently Asked Questions About Bath State Bank
Does Bath State Bank offer CDs?
Yes. Bath State Bank current CD rates include its 60-Months CD - 60 mths at 0.53% APY, its 54-Months CD - 54 mths at 0.45% APY and its 48-Months CD - 48 mths at 0.42% APY, verified by MonitorBankRates as of November 6, 2026.
Are CDs from Bath State Bank FDIC insured?
Yes. Bath State Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at Bath State Bank?
The highest Bath State Bank CD rate is its 9-Months Special CD - 9 mths at 3.85% APY, verified by MonitorBankRates as of November 6, 2026.
What CD terms does Bath State Bank offer?
Bath State Bank CD rates are 0.14% APY for a 6 month CD, 3.25% APY for a 12 month CD, 3.80% APY for an 18 month CD, 0.32% APY for a 2 year CD, 3.00% APY for a 3 year CD, 0.42% APY for a 4 year CD, 0.45% APY for a 54 month CD and 0.53% APY for a 5 year CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with Bath State Bank for its full lineup.
What is the highest savings rate at Bath State Bank?
The highest Bath State Bank savings rate is its Health Savings Account at 0.20% APY, verified by MonitorBankRates as of November 6, 2026.
What is the highest money market rate at Bath State Bank?
The highest Bath State Bank money market rate is its Early Harvest Money Market at 1.52% APY, verified by MonitorBankRates as of November 6, 2026.
What is the highest checking rate at Bath State Bank?
The highest Bath State Bank checking rate is its Super NOW Checking at 0.10% APY, verified by MonitorBankRates as of November 6, 2026.
What is the lowest mortgage rate at Bath State Bank?
The lowest Bath State Bank mortgage rate is its 15 Year Mortgage at 6.375%, verified by MonitorBankRates as of November 6, 2026. Bath State Bank mortgage rates are 6.875% for a 30 year mortgage, 6.50% for a 20 year mortgage, 6.375% for a 15 year mortgage and 6.375% for a 10 year mortgage.
How many branches does Bath State Bank operate?
Bath State Bank 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, Bath State Bank 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, Bath State Bank provides members with tools to manage their accounts and build a solid financial history.
Does Bath State Bank offer online and mobile banking?
Most modern institutions like Bath State Bank 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.BathStateBank.com.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do Bath State Bank rates compare?
Bath State Bank's top CD rate of 3.85% APY on a 9 month CD is 32% higher than the MonitorBankRates national average of 2.92% APY for that term, and it has a B health rating. Bath State Bank's top rates are its 9-Months Special CD - 9 mths at 3.85% APY, its Health Savings Account at 0.20% APY, its Early Harvest Money Market at 1.52% APY, its Super NOW Checking at 0.10% APY and its 15 Year Mortgage at 6.375%, verified by MonitorBankRates on November 6, 2026.
Current Bath State Bank Rates
12-Month CD3.25%
18-Month CD3.80%
24-Month CD0.32%
36-Month CD3.00%
48-Month CD0.42%
60-Month CD0.53%
Savings0.20%
MMA1.52%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
