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First State Bank Stratford, TX

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First State Bank Stratford, TX Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First State Bank Stratford, 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 and Verified: August 30, 2026

First State Bank Stratford, TX rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.92%, 6-month CD rates at 2.77% and 3-month CD rates at 2.55%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not First State Bank Stratford, TX, and you can see how they compare in the First State Bank Stratford, TX rate tables below. MonitorBankRates evaluates the financial stability of First State Bank Stratford, TX with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Database rates last updated and verified on 08/30/2026.

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

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

First State Bank

302 North Main Street
Stratford, TX 79084

https://www.firstclassbanking.com

Current Rate Availability

We're not currently displaying rates for First State Bank Stratford, TX, but our database is updated constantly — check back soon for the latest offers.

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Methodology & Data Sources

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

Bank Profile & Overview

Institution Name First State Bank Stratford, TX

Bank Holding Company STRATFORD BANCSHARES INC

Address 302 North Main Street, Stratford, TX 79084 · Sherman

Website https://www.firstclassbanking.com

FDIC Certificate # 16695

Established 04/26/1948

FDIC Insurance Date 04/26/1948

Domestic Offices 3

Total Branches 3

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) 1.4768%

Return on Equity (ROE) 18.5300%

Non-Performing Loans (NPL) 0.00%

Total Assets $369,817,000

Total Deposits $325,175,000

Equity Capital $43,111,000

Net Income $8,353,000

Headquarters Stratford

Total Branches and Offices 3

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Frequently Asked Questions About First State Bank Stratford, TX

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

First State Bank Stratford, 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 Stratford, 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 Stratford, TX provides members with tools to manage their accounts and build a solid financial history.

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

Most modern institutions like First State Bank Stratford, 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.firstclassbanking.com.