What are the current interest rates at First State Bank Britt, IA?

Current rates for First State Bank Britt, IA include: 12-Month CD: 1.46%, 24-Month CD: 1.76%, 60-Month CD: 2.27%

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First State Bank Britt, IA

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First State Bank Britt, IA Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First State Bank Britt, IA 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 State Bank Britt, IA's 60-Month Certificate of Deposit rates are at 2.37%, 60-Month Certificate of Deposit rates are at 2.27%, 24-Month Certificate of Deposit rates are at 1.86%, 24-Month Certificate of Deposit rates are at 1.76%, 12-Month Certificate of Deposit rates are at 1.51%. MonitorBankRates evaluates the financial stability of First State Bank Britt, IA with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Rates last updated and verified on 09/19/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.00%

Perfect Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

First State Bank

183 Main Ave N
Britt, IA 50423

https://www.fsb-britt.com

First State Bank Britt, IA CD Rates

Product	Rate	APY	Term
60 Month Certificate of Deposit	2.35%	2.37%	60 Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $25,000.00 and up Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
60 Month Certificate of Deposit	2.25%	2.27%	60 Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00-24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
24 Month Certificate of Deposit	1.85%	1.86%	24 Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $25,000.00 and up Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
24 Month Certificate of Deposit	1.75%	1.76%	24 Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00- 24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
12 Month Certificate of Deposit	1.50%	1.51%	12 Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $25,000 and up Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
12 Month Certificate of Deposit	1.45%	1.46%	12 Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00-24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

First State Bank Britt, IA Other Rates

Product	Rate	Points	APY/APR	Term
IRA/Roth/Coverdell Ed. 30 Month CD	1.90%	-	1.91%	30 Month
Min Deposit $100 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
IRA/Roth/Coverdell Ed. Savings	1.80%	-	1.81%
Min Deposit $100 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

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 State Bank Britt, IA’s Texas Ratio stayed near 0.00% in Q3 2023 to 0.00% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. 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	$126M	0.00%	5.0	A+
March 31, 2026	$126M	0.00%	5.0	A+
December 31, 2025	$131M	0.00%	5.0	A+
September 30, 2025	$123M	0.42%	5.0	A+
June 30, 2025	$127M	1.67%	5.0	A+
March 31, 2025	$124M	7.15%	5.0	A
December 31, 2024	$122M	0.00%	5.0	A+
September 30, 2024	$128M	0.00%	5.0	A+
June 30, 2024	$128M	0.00%	5.0	A+
March 31, 2024	$126M	0.00%	5.0	A+
December 31, 2023	$125M	0.00%	5.0	A+
September 30, 2023	$123M	0.00%	5.0	A+

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 State Bank Britt, IA 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 State Bank Britt, IA 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 State Bank Britt, IA's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First State Bank Britt, IA

Bank Holding Company READLYN BANCSHARES INC

Address 183 Main Ave N, Britt, IA 50423 · Hancock

Website https://www.fsb-britt.com

FDIC Certificate # 8522

Established 19271112

FDIC Insurance Date 19340101

Domestic Offices 2

Total Branches 2

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.00%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.4381%

Return on Equity (ROE) 8.9700%

Non-Performing Loans (NPL) 0.00%

Total Assets $125,922,000

Total Deposits $102,783,000

Equity Capital $20,864,000

Net Income $917,000

Headquarters Britt

Total Branches and Offices 2

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

First State Bank Britt, IA earned the Verified Healthy badge

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Frequently Asked Questions About First State Bank Britt, IA

How many branches does First State Bank Britt, IA operate?

First State Bank Britt, IA currently maintains approximately 2 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 State Bank Britt, IA 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 State Bank Britt, IA provides members with tools to manage their accounts and build a solid financial history.

Does First State Bank Britt, IA offer online and mobile banking?

Most modern institutions like First State Bank Britt, IA 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.fsb-britt.com.