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FNB of East Texas

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FNB of East Texas Rates & Review August 2026

Q: How many branches does FNB of East Texas operate?

FNB of East Texas 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, FNB of East Texas 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, FNB of East Texas 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 29, 2026

FNB of East Texas 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 of East Texas, and you can see how they compare in the FNB of East Texas rate tables below. MonitorBankRates evaluates the financial stability of FNB of East Texas with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.05%. Database rates last updated and verified on 08/29/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.05%

Excellent Lower than avg

FNB of East Texas

206 Us Highway 271 N
Gilmer, TX 75644

https://www.fnbetx.com

Current Rate Availability

We're not currently displaying rates for FNB of East Texas, 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 FNB of East Texas 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 of East Texas 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 of East Texas's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name FNB of East Texas

Bank Holding Company FIRST GILMER BANKSHARES INC

Address 206 Us Highway 271 N, Gilmer, TX 75644 · Upshur

Website https://www.fnbetx.com

FDIC Certificate # 3218

Established 04/13/1900

FDIC Insurance Date 01/01/1934

Domestic Offices 12

Total Branches 12

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 97/100

5.0

Exceptional Out of 5.0 Stars

5.05%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.8737%

Return on Equity (ROE) 10.8300%

Non-Performing Loans (NPL) 0.29%

Total Assets $614,871,000

Total Deposits $556,469,000

Equity Capital $53,163,000

Net Income $6,554,000

Headquarters Gilmer

Total Branches and Offices 12

Source: FDIC | Last Updated 12/31/2025

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Frequently Asked Questions About FNB of East Texas

How many branches does FNB of East Texas operate?

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

Does FNB of East Texas offer online and mobile banking?

Most modern institutions like FNB of East Texas 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.fnbetx.com.