First Bank & Trust East Texas

Headquarters

104 North Temple Drive
Diboll, TX 75941
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.05% →
1-Year CD N.A. 0.95% →
2-Year CD N.A. 1.05% →
5-Year CD N.A. 2.25% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

First Bank & Trust East Texas is an FDIC insured institution located in Diboll, TX. It was founded in 1953 and has approximately $1.01 billion in assets.

FDIC Insured Yes
FDIC Certificate # 17233
Date Established 1953
Assets $ 993.20 million
Loans $ 635.17 million
Deposits $ 895.60 million
Capital $ 104.23 million
 

For a more detailed analysis of First Bank & Trust East Texas's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 26, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - September 26, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for First Bank & Trust East Texas

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

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NMLS ID: 2890
License#: 13256
2.815% 2.750% 0.88 $2,102 $1,021 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

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Third Federal Savings and Loans
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Note to First Bank & Trust East Texas
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Branches

First Bank & Trust East Texas branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


First Bank & Trust East Texas Locations


Financial Details

First Bank & Trust East Texas Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First Bank & Trust East Texas. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
First Bank & Trust East Texas U.S. Bank Average
4.54% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, First Bank & Trust East Texas had $3,040,000 in non-current loans and $2,023,000 in owned real estate. To cover these potential losses it had $104,233,000 in equity and $7,339,000 in loans loss reserves. That gives it a Texas Ratio of 4.54%.

Return on Equity
First Bank & Trust East Texas U.S. Bank Average
11.13% 7.80%

First Bank & Trust East Texas has a Return on Equity of 11.13% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
First Bank & Trust East Texas U.S. Bank Average
10.49% 12.68%

First Bank & Trust East Texas has a Capitalization of 10.49% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

First Bank & Trust East Texas Balance Sheet Analysis

As of September 30, 2017, First Bank & Trust East Texas had assets of $1,005,080,000, loans of $635,172,000, and deposits of $895,595,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 635.17 million
Loan loss allowance $ 7.34 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 2.02 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 895.60 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 993.20 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in First Bank & Trust East Texas’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in Texas, First Bank & Trust East Texas has a significantly higher percent of Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 33.46
Multifamily
Mortgages
0.22
Credit Card Loans 0.00
Consumer Auto Loans 2.22
Small Business Loans 12.92
Construction and Development Loans 8.75
Commercial Real Estate 35.05
Commercial and Industrial Loans 13.04
Farm Loans 0.73

Frequently Asked Questions About First Bank & Trust East Texas

Branches and Savings

Is First Bank & Trust East Texas FDIC insured?

Yes. It is covered under FDIC Certificate #17233.

Why does First Bank & Trust East Texas pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are First Bank & Trust East Texas CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is First Bank & Trust East Texas a commercial bank?

Yes

Where are First Bank & Trust East Texas locations?

See branch locations nearby.

Is First Bank & Trust East Texas open on Saturdays?

Is First Bank & Trust East Texas open on Sundays?

What time does First Bank & Trust East Texas open?

What time does First Bank & Trust East Texas close?

Are First Bank & Trust East Texas ATMs Open 24/7?

Do First Bank & Trust East Texas ATMs accept cash deposits?

Can First Bank & Trust East Texas customers use other ATMs?

Do First Bank & Trust East Texas branches have notaries?

Will First Bank & Trust East Texas notarize my document?

What address for First Bank & Trust East Texas should I put for incoming ACH transfers?

Will the First Bank & Trust East Texas branch print checks?

Do First Bank & Trust East Texas checks expire?

Does First Bank & Trust East Texas require US citizenship to open account?

Can First Bank & Trust East Texas close my account?

Does First Bank & Trust East Texas Report to credit bureaus?

Does First Bank & Trust East Texas Use Equifax?

What is First Bank & Trust East Texas's ACH Routing Number?

What is First Bank & Trust East Texas's SWIFT code?

Products

Does First Bank & Trust East Texas offer mortgages?

Compare mortgage rates here.

Does First Bank & Trust East Texas offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First Bank & Trust East Texas offer personal loans?

Compare personal loan rates here.

Does First Bank & Trust East Texas offer student loans?

Will First Bank & Trust East Texas cash a check?

Will First Bank & Trust East Texas redeem a savings bond?

Does First Bank & Trust East Texas cash savings bonds?

Will First Bank & Trust East Texas cash money orders?

Can First Bank & Trust East Texas issue a money order?

Does First Bank & Trust East Texas do currency exchange?

Background on The Bank

Who owns First Bank & Trust East Texas?

How long has First Bank & Trust East Texas been around?

Can First Bank & Trust East Texas transfer to other banks?

Does First Bank & Trust East Texas have quick pay?

Does First Bank & Trust East Texas accept rolled coins?

Will First Bank & Trust East Texas accept loose change?

Where is First Bank & Trust East Texas headquarters?

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