First State Bank and Trust CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

Today's 12-month CD rates can be found at 4.60%, 6-month CD rates at 4.07% and 3-month CD rates at 2.00%. Current savings rates are at 0.03% and money market rates are at 0.15%. Mortgage rates today on 30-year fixed loans are around 6.76%. Credit Card rates are at 11.96%. Personal Loan rates are at 11.24%. All these rates, and more, can be found in our database of rates. First State Bank and Trust's 12-Month CD rates are at 2.78%, 24-Month CD rates are at 2.57%, 18-Month CD rates are at 2.57%, 30-Month CD rates are at 2.42%, 36-Month CD rates are at 2.32%.

First State Bank and Trust

To see how these rates compare to First State Bank and Trust CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from First State Bank and Trust, 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 State Bank and Trust CD rates. You can also compare First State Bank and Trust savings rates, MMA rates and mortgage rates using our other rate lists.

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

First State Bank and Trust Texas Ratio

First State Bank and Trust's Texas Ratio is at 5.73%, which is considered excellent. The Texas Ratio for First State Bank and Trust 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.

Overall, First State Bank and Trust is an excellent bank worth considering, with an overall rating of 4 stars out of 5 stars.

Rate

APY/APR

vs Avg

12-Month CD

2.78%

2.56%

18-Month CD

2.57%

2.27%

24-Month CD

2.57%

2.27%

36-Month CD

2.32%

2.18%

48-Month CD

1.91%

2.12%

60-Month CD

1.91%

2.24%

Savings

N/A

0.66%

MMA

N/A

1.05%

30-Year Fixed

N/A

6.91%

Credit Card

N/A

14.10%

Personal Loan

N/A

11.27%

First State Bank and Trust

110 W Panola St
Carthage, TX 75633

https://www.fsbcarthage.com

MonitorBankRates' Rating

4/5

★★★★☆

Review First State Bank and Trust

First State Bank and Trust CD Rates and Interest Rates

First State Bank and Trust

12-Month CD

2.78%

$1,000

First State Bank and Trust

24-Month CD

2.57%

$1,000

First State Bank and Trust

18-Month CD

2.57%

$1,000

First State Bank and Trust

30-Month CD

2.42%

$1,000

First State Bank and Trust

36-Month CD

2.32%

$1,000

First State Bank and Trust

6-Month CD

2.02%

$1,000

First State Bank and Trust

60-Month CD

1.91%

$1,000

First State Bank and Trust

48-Month CD

1.91%

$100

First State Bank and Trust

3-Month CD

0.95%

$2,500

Disclaimer

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 State Bank and Trust Rates with Other Competitive Bank and Credit Union Rates

First Southwest Bank

3-Month CD

4.25%

$1,000

Bank Northwest

6-Month CD

4.05%

$500

West Pointe Bank

18-Month CD

4.02%

$500

Newtown Savings Bank

48-Month CD

4.00%

$500

Kish Bank

12-Month CD

4.00%

$2,000

Second Federal S&L

18-Month CD

3.85%

$500

Inova Federal Credit Union

24-Month CD

3.75%

$200

Reliance State Bank

12-Month CD

3.73%

$2,500

1st Advantage Bank

60-Month CD

3.51%

$500

First National Bank and Trust AL

12-Month CD

3.50%

$1,000

Merchants State Bank

18-Month CD

3.50%

$5,000

Truliant Federal Credit Union

48-Month CD

3.29%

$250

First Enterprise Bank

24-Month CD

3.25%

$1,000

Newburyport Bank

18-Month CD

3.25%

$500

Avidia Bank

30-Month CD

3.05%

$1,000

Farmers State Bank Center, TX

48-Month CD

2.78%

$1,000

Grove Bank

36-Month CD

2.57%

$1,000

First National Bank of Michigan

60-Month CD

2.53%

Sanborn Savings Bank

48-Month CD (star saver)

2.52%

$100

Eureka Savings Bank

60-Month CD

2.28%

$1,000

Jovia Federal Credit Union

24-Month CD

2.00%

$100

Fidelity Co-operative Bank

BusinessWorx Money Market

2.00%

$150,000

State Bank Spirit Lake, IA

Money Market

1.77%

$1,000,000

Century Bank Santa Fe, NM

36-Month CD

1.75%

$1,000

Maries County Bank

24-Month CD

1.51%

$1,000

The Apple Creek Banking Company

48-Month CD

1.42%

$500

I3 Bank

60-Month CD

1.25%

$500

Alden State Bank

Kasasa Savings

1.25%

First State Bank Nebraska

18-Month CD

1.15%

$5,000

Farmers State Bank (Marion, IA)

60-Month CD

1.05%

$1,000

Security Bank Laurel, NE

SaveUp Savings

1.01%

Oakdale State Bank

24-Month CD

1.00%

$1,000

Clare Bank

48-Month CD

0.50%

$500

HomePride Bank

Kasasa Savings

0.50%

$50

Maspeth Federal S&L

Savings

0.50%

$100

The Peoples Community Bank

6-Month CD

0.50%

$500

Freehold Bank

24-Month CD

0.45%

$500

MountainOne Bank

Pinnacle Money Market

0.45%

$50

Fayette Savings Bank, SSB

Savings

0.40%

$100

First National Bank in Trinidad

Savings

0.25%

$10

State Bank of Canton

Savings

0.25%

$25

First Seacoast Bank

18-Month CD (Nest Egg)

0.25%

$1,000

FNB of Raymond

Statement Savings

0.20%

$50

Hometown Bank of PA

Passbook Savings

0.15%

$100

1st Community Credit Union

Ultimate Savings

0.15%

$1,000

First Horizon

24-Month CD

0.10%

$1,000

Greeneville Federal Bank

Savings

0.07%

$100

Warsaw Federal S&L

Select Money Market

0.05%

Century SLA

NOW Checking

0.05%

$500

Farm Bureau Bank FSB

Plus Money Market

0.03%

$2,500

Disclaimer

Mortgage Rates January 25, 2025

1st Northern California Credit Union

7-Year Fixed

3.990%

4.357%

0.750

1st Northern California Credit Union

10-Year Fixed

4.250%

4.514%

0.750

1st Northern California Credit Union

15-Year Fixed

4.500%

4.685%

0.750

State Employees Credit Union

5-Year ARM

5.125%

5.230%

0.000

Americas First Federal Credit Union

15-Year Fixed

5.560%

5.250%

0.000

Lakewood Credit Union

15 Year Fixed

5.300%

5.390%

0.000

Pioneer Federal Credit Union

15-Year Fixed

5.250%

5.491%

0.000

State Employees Credit Union

10-Year Fixed

5.300%

5.518%

0.000

North Carolina Press Association Federal Credit Union

10 Year Fixed

5.300%

5.518%

0.000

North Carolina Press Association Federal Credit Union

5 Year ARM

5.125%

5.523%

0.000

1st Northern California Credit Union

15-Year Fixed (Jumbo)

5.375%

5.525%

0.750

Mutual Security Credit Union

5/1 ARM

5.500%

5.614%

0.000

State Employees Credit Union

15-Year Fixed

5.500%

5.654%

0.000

North Carolina Press Association Federal Credit Union

15 Year Fixed

5.500%

5.654%

0.000

PNB of Kewanee

30-Year Fixed

5.560%

5.730%

0.000

NESC Federal Credit Union

15 Year Fixed

5.750%

5.756%

0.000

PNB of Kewanee

15-Year Fixed

5.500%

5.785%

0.000

Mutual Security Credit Union

15-Year Fixed

5.750%

5.793%

0.000

American Eagle Financial Credit Union

15-Year Fixed

5.625%

5.797%

0.000

Altoona First Savings Bank

15-Year Fixed

5.750%

5.801%

0.000

Pittsford Federal Credit Union

15-Year Fixed

5.750%

5.801%

0.000

Sikorsky Credit Union

15-Year Fixed

5.750%

5.806%

0.000

Security Service Federal Credit Union

10-Year Fixed (Power Rate)

5.500%

5.814%

0.000

McCoy Federal Credit Union

10 Year Fixed

5.500%

5.820%

0.000

Pittsford Federal Credit Union

10-Year Fixed

5.750%

5.832%

0.000

Disclaimer

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

First State Bank and Trust Information

First State Bank and Trust

110 W Panola St
Carthage, TX 75633
Panola
Established Date: 02/27/1902
FDIC Certificate #: 11559
Date of FDIC Deposit Insurance: 01/01/1934

Bank Holding Company: MURPHY-PAYNE INVESTMENTS LTD

How Many Domestic U.S. Offices? 1

How Many Branches are There? 1

Website: https://www.fsbcarthage.com

Is First State Bank and Trust FDIC Insured? Yes

What is First State Bank and Trust's Cert number? 11559

What is the maximum amount for insured deposits? $250,000 per holder, per account

First State Bank and Trust Financials

Total Assets:

$587,323,000

Total Deposits:

$505,433,000

Equity Capital:

$42,551,000

Domestic Deposits:

$505,433,000

Net Income:

$594,000

Return on Assets:

0.6585%

Quarterly Return on Assets:

0.4100%

Pretax Return on Assets:

0.4972%

Pretax Quarterly Return on Assets:

0.5000%

Return on Equity:

9.3500%

Quarterly Return on Equity:

5.5300%

Leverage Tier 1 (Core Capital) Ratio:

13.5944%

Total Interest Income (YTD):

3.7390%

Headquarters:

Carthage

FDIC Field Office:

Dallas

Regulator:

FDIC

County:

Panola

# of Offices:

Metropolitan Statistical Area (MSA):

Consolidated Metropolitan Statistical Area (CMSA):

OTS Region:

West

FDIC Region:

Dallas

Source: FDIC Last Updated 03/31/2024

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