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FNB Cooper Rates & Review August 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: August 30, 2026

FNB Cooper 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 FNB Cooper, and you can see how they compare in the FNB Cooper rate tables below. MonitorBankRates evaluates the financial stability of FNB Cooper with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.85%. Database rates last updated and verified on 08/30/2026.

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

MonitorBankRates Verified Strong Badge 2026 Verified Strong Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
3.85%
Excellent Lower than avg
FNB Cooper
11 W Side Sq
Cooper, TX 75432
https://www.fnbcooper.com
Member FDIC

Current Rate Availability

We're not currently displaying rates for FNB Cooper, but our database is updated constantly — check back soon for the latest offers.

Are you with FNB Cooper? We'd love to add your institution's rates. Contact us to get your institution's rates listed on MonitorBankRates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for FNB Cooper 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 FNB Cooper 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 FNB Cooper's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name FNB Cooper
Bank Holding Company COOPER LAKE FINANCIAL CORP
Address 11 W Side Sq, Cooper, TX 75432  ·  Delta
Website https://www.fnbcooper.com
FDIC Certificate # 3149
Established 01/15/1891
FDIC Insurance Date 01/01/1934
Domestic Offices 1
Total Branches 1
Regulator OCC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+
Overall Health Grade Score: 98/100
5.0
Exceptional Out of 5.0 Stars
3.85%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 1.0701%
Return on Equity (ROE) 9.4000%
Non-Performing Loans (NPL) 0.43%
Total Assets $55,363,000
Total Deposits $47,917,000
Equity Capital $7,290,000
Net Income $476,000
Headquarters Cooper
Total Branches and Offices 1
Source: FDIC  |  Last Updated 12/31/2025
MonitorBankRates Verified Strong Badge 2026
2026 MBR Health & Safety Badge

FNB Cooper earned the Verified Strong badge

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Customer Reviews

There are no reviews for FNB Cooper yet. Feel free to create one below.
Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
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Frequently Asked Questions About FNB Cooper

How many branches does FNB Cooper operate?

FNB Cooper 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, FNB Cooper 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, FNB Cooper provides members with tools to manage their accounts and build a solid financial history.

Does FNB Cooper offer online and mobile banking?

Most modern institutions like FNB Cooper 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.fnbcooper.com.

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