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First State Bank Clute, TX

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First State Bank Clute, TX Rates & Review May 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First State Bank Clute, TX 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: May 15, 2026

You can compare First State Bank Clute, TX rates to other rates in our database, including 12-month CD rates currently at 0.20%, 6-month CD rates at 1.76% and 3-month CD rates at 0.75%. Savings rates are at 0.25% and money market rates are at 0.75%. Mortgage rates on 30-year fixed loans are around 6.12%. All these rates can be compared to First State Bank Clute, TX rates. MonitorBankRates evaluates the financial stability of First State Bank Clute, TX with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.29%. Rates were last updated on 05/15/2026.

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

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Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.29%

Excellent Lower than avg

First State Bank

200 Brazosport Blvd N
Clute, TX 77531

https://www.bankatfsb.com

Current Rate Availability

We do not have First State Bank Clute, TX rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for First State Bank Clute, 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 State Bank Clute, 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 State Bank Clute, TX's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First State Bank Clute, TX

Bank Holding Company FSB BANCSHARES INC

Address 200 Brazosport Blvd N, Clute, TX 77531 · Brazoria

Website https://www.bankatfsb.com

FDIC Certificate # 17950

Established 10/16/1958

FDIC Insurance Date 01/02/1959

Domestic Offices 3

Total Branches 3

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

2.29%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 2.2674%

Return on Equity (ROE) 27.2400%

Non-Performing Loans (NPL) 0.11%

Total Assets $458,534,000

Total Deposits $413,564,000

Equity Capital $41,113,000

Net Income $8,258,000

Headquarters Clute

Total Offices 3

Source: FDIC | Last Updated 12/31/2025

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Frequently Asked Questions About First State Bank Clute, TX

How many branches does First State Bank Clute, TX operate?

First State Bank Clute, TX currently maintains approximately 3 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 Clute, 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 State Bank Clute, TX provides members with tools to manage their accounts and build a solid financial history.

Does First State Bank Clute, TX offer online and mobile banking?

Most modern institutions like First State Bank Clute, 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.bankatfsb.com.