|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 First National Bank Spearman, TX Rates & Review April 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.
Read Full Bio →
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: April 16, 2026
You can compare First National Bank Spearman, TX rates to other rates in our database, including 12-month CD rates currently at 3.90%, 6-month CD rates at 3.65% and 3-month CD rates at 3.50%. Savings rates are at 0.01% and money market rates are at 0.10%. Mortgage rates on 30-year fixed loans are around 6.26%. All these rates can be compared to First National Bank Spearman, TX rates. MonitorBankRates evaluates the financial stability of First National Bank Spearman, TX with a 5.0 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 18.60%. Rates were last updated on 04/16/2026. First National Bank Spearman, TX 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 Spearman, TX? Share your experience about First National Bank Spearman, TX by leaving a review below, or read customer reviews before you decide to use First National Bank Spearman, TX. 
Current Rate AvailabilityWe do not have First National Bank Spearman, TX rates right now, but we are constantly updating our database so check back often for updated rates. Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for First National Bank Spearman, TX 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 National Bank Spearman, TX 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 National Bank Spearman, TX's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
First National Bank Spearman, TX
Bank Holding Company
SPEARMAN BANCSHARES INC
Address
729 W 7th Ave,
Spearman, TX 79081 · Hansford
Website
https://www.fnbhome.bank
FDIC Certificate #
26219
Established
04/24/1985
FDIC Insurance Date
04/24/1985
Domestic Offices
3
Total Branches
0
Regulator
OCC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA-
Overall Health Grade
Score: 91/100
5.0
Exceptional
Out of 5.0 Stars
18.60%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
1.7144%
Return on Equity (ROE)
15.9500%
Non-Performing Loans (NPL)
1.62%
Total Assets
$267,265,000
Total Deposits
$231,994,000
Equity Capital
$33,216,000
Net Income
$1,087,000
Headquarters
Spearman
Total Offices
3
Source: FDIC | Last Updated 03/31/2024
Frequently Asked Questions About First National Bank Spearman, TXIs First National Bank Spearman, TX a safe place to deposit money?Yes, First National Bank Spearman, TX is considered a safe financial institution. With a Texas Ratio of 18.599874677992%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category. How many branches does First National Bank Spearman, TX operate?First National Bank Spearman, TX currently maintains approximately multiple 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 National Bank Spearman, TX 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 National Bank Spearman, TX provides members with tools to manage their accounts and build a solid financial history. Does First National Bank Spearman, TX offer online and mobile banking?Most modern institutions like First National Bank Spearman, TX 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.fnbhome.bank. Compare to Other Banks
The FNB at Paris
Iowa Trust and SB Centerville, IA
Bank of the Southwest
FNB of Stigler
Bank of Walker County
First State Bank of Harvey
SSB Scott State Bank
Eastern Bank
Defiance State Bank
The Farmers Bank
Lowell Five Bank
F&M State Bank Plankinton, SD
FNB in Tigerton
Independence Bank
First State Bank Shallowater, TX
Heartland State Bank
Copiah Bank
Alamerica Bank
First Commerce Bank Lewisburg, TN
Milford Bank
First State Bank Minnesota
|
