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

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Today's 12-month CD rates can be found at 4.60%, 6-month CD rates at 3.20% and 3-month CD rates at 0.10%. Current savings rates are at 0.35% and money market rates are at 1.50%. Mortgage rates today on 30-year fixed loans are around 7.03%. Credit Card rates are at 29.99%. Personal Loan rates are at 13.15%. 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 2.83%, 24-Month CD rates are at 2.63%, 18-Month CD rates are at 2.63%, 30-Month CD rates are at 2.47%, 36-Month CD rates are at 2.37%.

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 5.68%, which is considered excellent. The Texas Ratio for First State Bank and Trust is lower than the national average of all banks, currently at 6.24%. 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
2.83%
18-Month CD
2.63%
24-Month CD
2.63%
36-Month CD
2.37%
48-Month CD
2.02%
60-Month CD
2.02%
Savings
N/A
MMA
N/A
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
First State Bank and Trust
110 W Panola St
Carthage, TX 75633
Member FDIC
MonitorBankRates' Rating
4/5
★★★★☆

First State Bank and Trust CD Rates and Interest Rates

Bank
Product
APY
Min Dep
First State Bank and Trust
First State Bank and Trust
12-Month CD
2.83%
$1,000
First State Bank and Trust
First State Bank and Trust
24-Month CD
2.63%
$1,000
First State Bank and Trust
First State Bank and Trust
18-Month CD
2.63%
$1,000
First State Bank and Trust
First State Bank and Trust
30-Month CD
2.47%
$1,000
First State Bank and Trust
First State Bank and Trust
36-Month CD
2.37%
$1,000
First State Bank and Trust
First State Bank and Trust
60-Month CD
2.02%
$1,000
First State Bank and Trust
First State Bank and Trust
48-Month CD
2.02%
$100
First State Bank and Trust
First State Bank and Trust
6-Month CD
2.02%
$1,000
First State Bank and Trust
First State Bank and Trust
3-Month CD
0.95%
$2,500
First State Bank and Trust
First State Bank and Trust
1-Month CD
0.40%
$2,500
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.

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

Bank
Product
APY
Min Dep
Gesa Credit Union
Gesa Credit Union
SmartPlus Savings
7.00%
$0
First Federal S&L Newark, OH
First Federal S&L Newark, OH
12-Month CD
5.08%
$500
Bank Bank
Bank Bank
5-Month CD (special)
4.92%
$10,000
Bank of Hartington
Bank of Hartington
6-Month CD (special TCD)
4.90%
$1,000
Commerce Bank & Trust Winter Park, FL
Commerce Bank & Trust Winter Park, FL
6-Month CD
4.76%
$0
Adams State Bank
Adams State Bank
18-Month CD
4.36%
$1,000
First Federal S&L of Lakewood
First Federal S&L of Lakewood
48-Month CD (special)
4.25%
$500
Apple Bank for Savings
Apple Bank for Savings
Simple Savings
4.10%
$50,000
Regional Missouri Bank
Regional Missouri Bank
6-Month CD
4.06%
$1,000
Alpena-alcona Area Credit Union
Alpena-alcona Area Credit Union
18-Month CD certificate
4.06%
$500
UniBank
UniBank
24-Month CD
3.60%
$1,000
American Bank & Trust Co, Inc.
American Bank & Trust Co, Inc.
60-Month CD
3.50%
$1,000
Act 1st Federal Credit Union
Act 1st Federal Credit Union
24-Month CD share certificate
3.50%
$500
Axiom Bank
Axiom Bank
3-Month CD
3.35%
$500
Cendera Bank
Cendera Bank
+ Checking
3.00%
$50,000
1st Bergen Federal Credit Union
1st Bergen Federal Credit Union
12-Month CD certificate
2.75%
$250
Achieve Credit Union
Achieve Credit Union
30-Month CD share certificate
2.75%
$500
Adams County Bank
Adams County Bank
60-Month CD
2.73%
$500
The Bank of Glen Burnie
The Bank of Glen Burnie
18-Month CD
2.53%
$500
Bank of Cadiz and Trust Company
Bank of Cadiz and Trust Company
36-Month CD
2.52%
$500
MVSB
24-Month CD
2.50%
$500
USAA Federal Savings Bank
USAA Federal Savings Bank
60-Month CD
2.50%
$1,000
Bank of Hillsboro
Bank of Hillsboro
48-Month CD
2.28%
$1,000
1st Mississippi Federal Credit Union
1st Mississippi Federal Credit Union
12-Month CD
2.27%
$500
Kanza Bank
Kanza Bank
24-Month CD
2.25%
$100
Magyar Bank
Magyar Bank
24-Month CD
2.25%
$2,500
Bradford National Bank
Bradford National Bank
48-Month CD
2.21%
$1,000
United Bank Zebulon, GA
United Bank Zebulon, GA
60-Month CD
2.02%
$500
Sikorsky Credit Union
Sikorsky Credit Union
Kasasa Saver Savings
2.00%
$5
JTNB
JTNB
24-Month CD
1.75%
$1,000
Freedom Bank Columbia Falls, MT
Freedom Bank Columbia Falls, MT
6-Month CD
1.56%
$10,000
Community Bank of Marshall
Community Bank of Marshall
Savings Account
1.51%
$25
First Independent Bank Russell, MN
First Independent Bank Russell, MN
12-Month CD
1.51%
$500
First National Bank of Clarksdale
First National Bank of Clarksdale
12-Month CD
1.50%
$500
Home Loan SB
Home Loan SB
60-Month CD
1.50%
$500
Bangor Savings Bank
Bangor Savings Bank
36-Month CD
0.75%
$500
Freehold Bank
Freehold Bank
48-Month CD
0.55%
$500
American Bank of Baxter Springs
American Bank of Baxter Springs
24-Month CD
0.50%
$1,000
PSECU
PSECU
Savings
0.50%
$0
The Wilmington Savings Bank
The Wilmington Savings Bank
Premier Money Market
0.45%
$25,000
Buena Vista National Bank
Buena Vista National Bank
Regular Savings
0.40%
$50
First Piedmont Federal S&L of Gaffney
First Piedmont Federal S&L of Gaffney
48-Month CD
0.30%
$1,000
Wells River Savings Bank
Wells River Savings Bank
6-Month CD
0.30%
$200
New Horizon Bank
New Horizon Bank
Horizon Money Market
0.26%
$50
Clinton Bank
Clinton Bank
Money Market
0.25%
$2,500
Windsor Federal S&L
Windsor Federal S&L
24-Month CD
0.25%
$1,000
Mayville State Bank
Mayville State Bank
18-Month CD
0.20%
$1,000
Hoyne Savings Bank
Hoyne Savings Bank
Passbook Savings
0.18%
$250
The Wilmington Savings Bank
The Wilmington Savings Bank
Simple Savings
0.15%
$100
Peoples Bank Chestertown, MD
Peoples Bank Chestertown, MD
3-Month CD
0.08%
$500
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 Rates June 22, 2024

Lender
Product
Rate
APR
Points
4.990%
5.287%
0.500
4.750%
5.507%
0.000
5.000%
5.531%
0.000
5.500%
5.614%
0.000
5.500%
5.716%
0.500
5.625%
5.777%
0.500
5.625%
5.786%
0.000
15-Year Fixed
5.625%
5.799%
0.000
5.625%
5.820%
0.250
5.500%
5.820%
0.000
5.750%
5.834%
0.000
5.500%
5.868%
2.000
5.750%
5.883%
0.500
5.750%
5.886%
0.000
6.000%
5.892%
0.000
5.675%
5.894%
0.000
15 Year Fixed
5.625%
5.941%
1.000
5.750%
5.954%
1.000
5.750%
5.957%
0.000
5.875%
5.970%
0.000
15-Year Fixed (Jumbo)
5.875%
5.970%
0.000
5.950%
5.998%
0.000
5.875%
6.031%
0.000
Show More

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
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:
$597,955,000
Total Deposits:
$551,190,000
Equity Capital:
$43,184,000
Domestic Deposits:
$551,190,000
Net Income:
$1,087,000
Return on Assets:
1.1649%
Quarterly Return on Assets:
0.7200%
Pretax Return on Assets:
0.8628%
Pretax Quarterly Return on Assets:
0.8600%
Return on Equity:
11.3200%
Quarterly Return on Equity:
10.0900%
Leverage Tier 1 (Core Capital) Ratio:
14.5852%
Total Interest Income (YTD):
3.0523%
 
 
Headquarters:
Carthage
FDIC Field Office:
Dallas
Regulator:
FDIC
County:
Panola
# of Offices:
1
Metropolitan Statistical Area (MSA):
Consolidated Metropolitan Statistical Area (CMSA):
OTS Region:
West
FDIC Region:
Dallas
Source: FDIC

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