What are the current interest rates at First Arkansas Bank and Trust?

Current rates for First Arkansas Bank and Trust include: 12-Month CD: 1.25%, 24-Month CD: 0.65%, 36-Month CD: 0.75%, Savings: 1.85%

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First Arkansas Bank and Trust

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First Arkansas Bank and Trust Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Arkansas Bank and Trust 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: September 19, 2026

First Arkansas Bank and Trust's 4-month CD special rates are at 3.50%, 7-month CD special rates are at 3.25%, 90-day CD rates are at 3.20%, 6-MONTH CD rates are at 2.95%, 1-year CD rates are at 1.25%. First Arkansas Bank and Trust's savings rates are at 1.85%. MonitorBankRates evaluates the financial stability of First Arkansas Bank and Trust with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 12.49%. Rates last updated and verified on 09/19/2026.

First Arkansas Bank and Trust 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 First Arkansas Bank and Trust? Share your experience about First Arkansas Bank and Trust by leaving a review below, or read customer reviews before you decide to use First Arkansas Bank and Trust.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

12.49%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

First Arkansas Bank and Trust

600 W Main St
Jacksonville, AR 72076

https://www.fabandt.bank

First Arkansas Bank and Trust Savings Rates

Product	Rate	APY
Money Market Savings	-	3.25%
Min Deposit $100 Min Balance $250,000 Details APY accurate as of 12/17/25. A $10.00 balance requirement fee will be charged is the balance falls below $2,500 on any day of the monthly statement cycle. Fees may reduce earnings. Free initial basic Mastercard debit card. Free monthly statements. Free online banking with unlimited Bill Pay services. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.49%
Money Market Savings	-	2.85%
Min Deposit $100 Min Balance $100,000 Details APY accurate as of 12/17/25. A $10.00 balance requirement fee will be charged is the balance falls below $2,500 on any day of the monthly statement cycle. Fees may reduce earnings. Free initial basic Mastercard debit card. Free monthly statements. Free online banking with unlimited Bill Pay services. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.49%
Money Market Savings	-	2.34%
Min Deposit $100 Min Balance $50,000 Details APY accurate as of 12/17/25. A $10.00 balance requirement fee will be charged is the balance falls below $2,500 on any day of the monthly statement cycle. Fees may reduce earnings. Free initial basic Mastercard debit card. Free monthly statements. Free online banking with unlimited Bill Pay services. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.49%
Money Market Savings	-	1.85%
Min Deposit $100 Min Balance $0 Details APY accurate as of 12/17/25. A $10.00 balance requirement fee will be charged is the balance falls below $2,500 on any day of the monthly statement cycle. Fees may reduce earnings. Free initial basic Mastercard debit card. Free monthly statements. Free online banking with unlimited Bill Pay services. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.49%

First Arkansas Bank and Trust Money Market Rates

Product	Rate	APY
Money Market Savings	-	3.25%
Min Deposit $100 Min Balance $250,000 Details APY accurate as of 12/17/25. A $10.00 balance requirement fee will be charged is the balance falls below $2,500 on any day of the monthly statement cycle. Fees may reduce earnings. Free initial basic Mastercard debit card. Free monthly statements. Free online banking with unlimited Bill Pay services. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.49%
Money Market Savings	-	2.85%
Min Deposit $100 Min Balance $100,000 Details APY accurate as of 12/17/25. A $10.00 balance requirement fee will be charged is the balance falls below $2,500 on any day of the monthly statement cycle. Fees may reduce earnings. Free initial basic Mastercard debit card. Free monthly statements. Free online banking with unlimited Bill Pay services. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.49%
Money Market Savings	-	2.34%
Min Deposit $100 Min Balance $50,000 Details APY accurate as of 12/17/25. A $10.00 balance requirement fee will be charged is the balance falls below $2,500 on any day of the monthly statement cycle. Fees may reduce earnings. Free initial basic Mastercard debit card. Free monthly statements. Free online banking with unlimited Bill Pay services. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.49%
Money Market Savings	-	1.85%
Min Deposit $100 Min Balance $0 Details APY accurate as of 12/17/25. A $10.00 balance requirement fee will be charged is the balance falls below $2,500 on any day of the monthly statement cycle. Fees may reduce earnings. Free initial basic Mastercard debit card. Free monthly statements. Free online banking with unlimited Bill Pay services. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.49%

First Arkansas Bank and Trust Checking Rates

Product	Rate	APY	View More
Prime Checking	-	3.80%
Min Deposit $100 Min Balance $0 Details Qualifications Required: 12 debit card purchases; 1 direct deposit, ACH automatic payment, or online bill pay; e-statements enrollment; Qualifying balance up to $25,000.00; Base rate 0.10% APY on balances over $25,000.00 if qualifications are met; 0.10% APY on all balances if qualifications are not met. ATM refunds up to $15 per statement cycle. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.49%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

First Arkansas Bank and Trust’s Texas Ratio fell from 21.26% in Q3 2023 to 12.49% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 4.0 to 5.0 and its Health Grade from C+ to A. 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	$1.1B	12.49%	5.0	A
March 31, 2026	$1.2B	14.29%	5.0	A-
December 31, 2025	$1.2B	16.10%	4.9	A-
September 30, 2025	$1.1B	13.87%	5.0	A
June 30, 2025	$1.1B	16.09%	4.9	A-
March 31, 2025	$1.1B	15.62%	5.0	A-
December 31, 2024	$1.1B	11.85%	5.0	A
September 30, 2024	$1.1B	14.85%	5.0	A-
June 30, 2024	$1.1B	16.98%	4.6	B+
March 31, 2024	$1.1B	15.15%	4.8	A-
December 31, 2023	$1.0B	14.42%	5.0	A-
September 30, 2023	$997M	21.26%	4.0	C+

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 First Arkansas Bank and Trust 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 First Arkansas Bank and Trust 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 First Arkansas Bank and Trust's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First Arkansas Bank and Trust

Bank Holding Company FIRST ARKANSAS BANCSHARES INC

Address 600 W Main St, Jacksonville, AR 72076 · Pulaski

Website https://www.fabandt.bank

FDIC Certificate # 16849

Established 19491105

FDIC Insurance Date 19491105

Domestic Offices 21

Total Branches 21

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 94/100

5.0

Exceptional Out of 5.0 Stars

12.49%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.6116%

Return on Equity (ROE) 17.7200%

Non-Performing Loans (NPL) 1.14%

Total Assets $1,140,573,000

Total Deposits $985,786,000

Equity Capital $109,194,000

Net Income $9,288,000

Headquarters Jacksonville

Total Branches and Offices 21

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

First Arkansas Bank and Trust earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About First Arkansas Bank and Trust

How many branches does First Arkansas Bank and Trust operate?

First Arkansas Bank and Trust currently maintains approximately 21 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, First Arkansas Bank and Trust 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, First Arkansas Bank and Trust provides members with tools to manage their accounts and build a solid financial history.

Does First Arkansas Bank and Trust offer online and mobile banking?

Most modern institutions like First Arkansas Bank and Trust 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.fabandt.bank.