Bank · FDIC insured
First State Bank & Trust Company Carthage
A $547.4M bank headquartered in Carthage, TX, with 1 branch in Texas. Best rates: CDs 2.78% and savings 0.20% APY.
First State Bank & Trust Company Carthage Carrot Score
62
Carrot Score
Higher than 5% of U.S. banks and credit unions
#357 of 375 in TexasHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First State Bank & Trust Company Carthage
Founded in 1902, First State Bank & Trust Company serves residents and businesses of Panola County.
First State Bank & Trust Company is an independently owned bank.
- Headquarters
- 110 W Panola St, Carthage, TX 75633
- FDIC certificate
- 11559 ↗
Branches
1 branch in Texas
Loading map…
Texas
1 branch
- First State Bank and Trust CompanyMain office110 W Panola St, Carthage, TX 75633Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 14.00% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.96% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.97% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $37 | $81 | — |
- CapitalLeverage ratio14.00%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.96%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.97%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$37Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First State Bank & Trust Company Carthage are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.