First National Bank of Shiner Rates and Review January 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
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First National Bank of Shiner's 8-Month CD rates are at 3.75%, 13-Month CD rates are at 3.50%.
To see how these rates compare to First National Bank of Shiner CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from First National Bank of Shiner, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with First National Bank of Shiner CD rates. You can also compare First National Bank of Shiner savings rates, MMA rates and mortgage rates using our other rate lists. First National Bank of Shiner 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 National Bank of Shiner? Share your experience about First National Bank of Shiner by leaving a review below, or read customer reviews before you decide to use First National Bank of Shiner. First National Bank of Shiner Texas RatioFirst National Bank of Shiner's Texas Ratio is at -0.07%, which is considered excellent. The Texas Ratio for First National Bank of Shiner is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
First National Bank of Shiner has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, First National Bank of Shiner is a excellent bank worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs Avg
"N/A" indicates the product is not offered or the rate is unavailable. First National Bank of Shiner CD Rates and Interest Rates
First National Bank of Shiner
8-Month CD
3.75%
$25,000
First National Bank of Shiner
13-Month CD
3.50%
$25,000
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Compare First National Bank of Shiner Rates with Other Competitive Bank and Credit Union Rates
All America Bank
6-Month CD
4.00%
$500
Seattle Bank
12-Month CD
4.00%
$1,000
Fayetteville Bank
8-Month CD (Jumbo)
3.75%
$25,000
Colorado Federal Savings Bank
60-Month CD
3.60%
$5,000
My eBanc, a division of Bradesco Bank
12-Month CD
3.60%
$5,000
Show More
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
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Bank Profile & OverviewFirst National Bank of Shiner
103 W 7th StShiner, TX 77984 Lavaca Established Date: 11/19/1900 FDIC Certificate #: 5529 Date of FDIC Deposit Insurance: 01/01/1934 Bank Holding Company: INDUSTRY BANCSHARES INC How Many Domestic U.S. Offices? 5 How Many Branches are There? 5 Website: https://www.fnbshiner.com
Is First National Bank of Shiner FDIC Insured? Yes
What is First National Bank of Shiner's Cert number? 5529
What is the maximum amount for insured deposits? $250,000 per holder, per account
Financial Health & AssetsTotal Assets:
$902,325,000
Total Deposits:
$867,636,000
Equity Capital:
$-35,592,000
Net Income:
$34,000
Return on Assets (ROA):
0.4471%
Return on Equity (ROE):
0.0000%
Headquarters:
Shiner
Regulator:
OCC
# of Offices:
5
Source: FDIC | Last Updated 03/31/2024
Customer ReviewsThere are no reviews for First National Bank of Shiner yet. Feel free to create one below.
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Frequently Asked Questions About First National Bank of ShinerHow do I open an account at First National Bank of Shiner?You can typically open an account at First National Bank of Shiner by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, First National Bank of Shiner provides a range of mortgage and home equity products. Is First National Bank of Shiner a safe place to deposit money?Yes, First National Bank of Shiner is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. Does First National Bank of Shiner offer online and mobile banking?Most modern institutions like First National Bank of Shiner provide digital access including online balance checks and transfers. Compare to other Banks |
