What are the current interest rates at FirsTier Bank?

Current rates for FirsTier Bank include: 12-Month CD: 3.95%, 18-Month CD: 3.60%

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FirsTier Bank Rates & Review September 2026

Q: How many branches does FirsTier Bank operate?

FirsTier Bank currently maintains approximately 12 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, FirsTier Bank 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, FirsTier Bank 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

FirsTier Bank's 12-Month CD rates are at 3.95%, 6-Month CD rates are at 3.90%, 9-Month CD rates are at 3.90%, 18-Month CD rates are at 3.60%, 3-Month CD rates are at 3.60%. MonitorBankRates evaluates the financial stability of FirsTier Bank with a 2.0 Star Rating, an F Overall Health Grade, and a Texas Ratio of 51.03%. Rates last updated and verified on 09/19/2026.

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

Overall Health & Safety Grade

High Risk Health Score: 44/100

MonitorBankRates Rating

2.0

Weak Out of 5.0 Stars

Texas Ratio

51.03%

Weak Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

FirsTier Bank

115 S Walnut St
Kimball, NE 69145

https://www.firstierbanks.com

FirsTier Bank CD Rates

Product	Rate	APY	Term
12 Month CD	3.88%	3.95%	12 Month
Details A penalty may be imposed for early withdrawal. Certificate will automatically renew to a fixed rate CD of the equivalent term with the current rate at renewal. The Annual Percentage Yield is current as of August 24, 2026, and is subject to change at any time without notice. Last Updated 09/19/2026 Institution Ratings 2.0 Star Rating F Health Grade ◈ Texas Ratio: 51.03%
6 Month CD	3.83%	3.90%	6 Month
Details A penalty may be imposed for early withdrawal. Certificate will automatically renew to a fixed rate CD of the equivalent term with the current rate at renewal. The Annual Percentage Yield is current as of August 24, 2026, and is subject to change at any time without notice. Last Updated 09/19/2026 Institution Ratings 2.0 Star Rating F Health Grade ◈ Texas Ratio: 51.03%
9 Month CD	3.83%	3.90%	9 Month
Details A penalty may be imposed for early withdrawal. Certificate will automatically renew to a fixed rate CD of the equivalent term with the current rate at renewal. The Annual Percentage Yield is current as of August 24, 2026, and is subject to change at any time without notice. Last Updated 09/19/2026 Institution Ratings 2.0 Star Rating F Health Grade ◈ Texas Ratio: 51.03%
18 Month CD	3.54%	3.60%	18 Month
Details A penalty may be imposed for early withdrawal. Certificate will automatically renew to a fixed rate CD of the equivalent term with the current rate at renewal. The Annual Percentage Yield is current as of August 24, 2026, and is subject to change at any time without notice. Last Updated 09/19/2026 Institution Ratings 2.0 Star Rating F Health Grade ◈ Texas Ratio: 51.03%
3 Month CD	3.54%	3.60%	3 Month
Details A penalty may be imposed for early withdrawal. Certificate will automatically renew to a fixed rate CD of the equivalent term with the current rate at renewal. The Annual Percentage Yield is current as of August 24, 2026, and is subject to change at any time without notice. Last Updated 09/19/2026 Institution Ratings 2.0 Star Rating F Health Grade ◈ Texas Ratio: 51.03%

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

FirsTier Bank’s Texas Ratio rose from 8.87% in Q3 2023 to 51.03% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 2.0 and its Health Grade from A to F. 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	$1.0B	51.03%	2.0	F
March 31, 2026	$1.1B	65.92%	1.0	F
December 31, 2025	$1.1B	56.18%	1.6	F
September 30, 2025	$1.1B	55.35%	1.6	F
June 30, 2025	$1.0B	25.99%	4.1	C+
March 31, 2025	$971M	27.31%	4.0	C
December 31, 2024	$913M	26.65%	4.0	C
September 30, 2024	$919M	21.16%	4.5	B
June 30, 2024	$952M	19.36%	4.6	B
March 31, 2024	$956M	13.27%	5.0	A
December 31, 2023	$937M	11.96%	5.0	A
September 30, 2023	$953M	8.87%	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 FirsTier Bank 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 FirsTier Bank 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 FirsTier Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name FirsTier Bank

Bank Holding Company FIRSTIER BCORP

Address 115 S Walnut St, Kimball, NE 69145 · Kimball

Website https://www.firstierbanks.com

FDIC Certificate # 17478

Established 19550715

FDIC Insurance Date 19550715

Domestic Offices 12

Total Branches 12

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 44/100

2.0

Weak Out of 5.0 Stars

51.03%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.7673%

Return on Equity (ROE) 6.7800%

Non-Performing Loans (NPL) 3.53%

Total Assets $1,048,233,000

Total Deposits $883,197,000

Equity Capital $122,877,000

Net Income $4,150,000

Headquarters Kimball

Total Branches and Offices 12

Source: FDIC | Last Updated 06/30/2026

Customer Reviews

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Frequently Asked Questions About FirsTier Bank

How many branches does FirsTier Bank operate?

FirsTier Bank currently maintains approximately 12 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, FirsTier Bank 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, FirsTier Bank provides members with tools to manage their accounts and build a solid financial history.

Does FirsTier Bank offer online and mobile banking?

Most modern institutions like FirsTier Bank 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.firstierbanks.com.