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Fmsb Rates & Review April 2026

Q: Is Fmsb a safe place to deposit money?

Yes, Fmsb is considered a safe financial institution. With a Texas Ratio of 21.875%, the institution's financial health is rated as stable. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

Q: How many branches does Fmsb operate?

Fmsb currently maintains approximately 1 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, Fmsb 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, Fmsb 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 17, 2026

You can compare Fmsb rates to other rates in our database, including 12-month CD rates currently at 0.05%, 6-month CD rates at 4.00% and 3-month CD rates at 3.15%. Savings rates are at 0.10% and money market rates are at 0.50%. Mortgage rates on 30-year fixed loans are around 6.16%. All these rates can be compared to Fmsb rates. MonitorBankRates evaluates the financial stability of Fmsb with a 5.0 Star Rating, an B+ Overall Health Grade, and a Texas Ratio of 21.88%. Rates were last updated on 04/17/2026.

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

Overall Health & Safety Grade

B+

Good Health Score: 89/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

21.88%

Good Higher than avg

Fmsb

550 Main St
Scotland, SD 57059

https://www.wwwfmsbscotland.com

Current Rate Availability

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

Bank Profile & Overview

Institution Name Fmsb

Bank Holding Company SCOTLAND HOLDING CO

Address 550 Main St, Scotland, SD 57059 · Bon Homme

Website https://www.wwwfmsbscotland.com

FDIC Certificate # 13999

Established 03/06/1934

FDIC Insurance Date 03/06/1934

Domestic Offices 1

Total Branches 1

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

B+

Overall Health Grade Score: 89/100

5.0

Exceptional Out of 5.0 Stars

21.88%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.0060%

Return on Equity (ROE) 16.1400%

Non-Performing Loans (NPL) 1.23%

Total Assets $34,044,000

Total Deposits $30,509,000

Equity Capital $3,474,000

Net Income $341,000

Headquarters Scotland

Total Offices 1

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Fmsb

Is Fmsb a safe place to deposit money?

Yes, Fmsb is considered a safe financial institution. With a Texas Ratio of 21.875%, the institution's financial health is rated as stable. 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 Fmsb operate?

Fmsb currently maintains approximately 1 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, Fmsb 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, Fmsb provides members with tools to manage their accounts and build a solid financial history.

Does Fmsb offer online and mobile banking?

Most modern institutions like Fmsb 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.wwwfmsbscotland.com.