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FSB of the Southeast

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FSB of the Southeast Rates & Review April 2026

Q: How many branches does FSB of the Southeast operate?

FSB of the Southeast currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, FSB of the Southeast 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, FSB of the Southeast 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: April 23, 2026

You can compare FSB of the Southeast rates to other rates in our database, including 12-month CD rates currently at 3.28%, 6-month CD rates at 3.60% and 3-month CD rates at 1.41%. Savings rates are at 0.40% and money market rates are at 0.05%. Mortgage rates on 30-year fixed loans are around 6.01%. All these rates can be compared to FSB of the Southeast rates. MonitorBankRates evaluates the financial stability of FSB of the Southeast with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 13.20%. Rates were last updated on 04/23/2026.

FSB of the Southeast 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 FSB of the Southeast? Share your experience about FSB of the Southeast by leaving a review below, or read customer reviews before you decide to use FSB of the Southeast.

Overall Health & Safety Grade

Excellent Health Score: 93/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

13.20%

Excellent Higher than avg

FSB of the Southeast

1820 Cumberland Ave
Middlesboro, KY 40965

https://www.ourfsb.bank

Current Rate Availability

We do not have FSB of the Southeast 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 FSB of the Southeast 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 FSB of the Southeast 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 FSB of the Southeast's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name FSB of the Southeast

Bank Holding Company FIRST STATE BANCSHARES INC

Address 1820 Cumberland Ave, Middlesboro, KY 40965 · Bell

Website https://www.ourfsb.bank

FDIC Certificate # 2710

Established 01/04/1904

FDIC Insurance Date 01/01/1934

Domestic Offices 9

Total Branches 0

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 93/100

5.0

Exceptional Out of 5.0 Stars

13.20%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.0078%

Return on Equity (ROE) 13.3900%

Non-Performing Loans (NPL) 0.74%

Total Assets $412,302,000

Total Deposits $272,908,000

Equity Capital $29,928,000

Net Income $954,000

Headquarters Middlesboro

Total Offices 9

Source: FDIC | Last Updated 06/30/2025

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Frequently Asked Questions About FSB of the Southeast

Is FSB of the Southeast a safe place to deposit money?

Yes, FSB of the Southeast is considered a safe financial institution. With a Texas Ratio of 13.199705034524%, 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 FSB of the Southeast operate?

FSB of the Southeast 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, FSB of the Southeast 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, FSB of the Southeast provides members with tools to manage their accounts and build a solid financial history.

Does FSB of the Southeast offer online and mobile banking?

Most modern institutions like FSB of the Southeast 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.ourfsb.bank.