First State Bank and Trust Company of Valdosta

Headquarters

3650 Inner Perimeter Road
Valdosta, GA 31602
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.80% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

First State Bank and Trust Company of Valdosta is an FDIC insured institution located in Valdosta, GA. It was founded in 1906 and has approximately $0.58 billion in assets.

FDIC Insured Yes
FDIC Certificate # 10073
Date Established 1906
Assets $ 560.04 million
Loans $ 436.77 million
Deposits $ 487.99 million
Capital $ 47.19 million
 

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

Deposit Rates - September 23, 2021

Your Current Location: Connecticut, CT 06828

 

Loan Rates - September 23, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for First State Bank and Trust Company of Valdosta

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 2021

Lender APR Rate (%) Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
3.359% 3.250%
0.88 points
$3,438 fees
$1,089 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR 1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to First State Bank and Trust Company of Valdosta
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Branches

First State Bank and Trust Company of Valdosta 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 State Bank and Trust Company of Valdosta Locations


Financial Details

First State Bank and Trust Company of Valdosta Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First State Bank and Trust Company of Valdosta. 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 State Bank and Trust Company of Valdosta U.S. Bank Average
5.92% 5.29%

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, 2021, First State Bank and Trust Company of Valdosta had $3,237,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $47,189,000 in equity and $7,491,000 in loans loss reserves. That gives it a Texas Ratio of 5.92%.

Return on Equity
First State Bank and Trust Company of Valdosta U.S. Bank Average
13.09% 11.43%

First State Bank and Trust Company of Valdosta has a Return on Equity of 13.09% versus the BestCashCow average of 11.43%. 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 State Bank and Trust Company of Valdosta U.S. Bank Average
8.43% 11.51%

First State Bank and Trust Company of Valdosta has a Capitalization of 8.43% versus the BestCashCow average of 11.51. 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 State Bank and Trust Company of Valdosta Balance Sheet Analysis

As of November 30, -0001, First State Bank and Trust Company of Valdosta had assets of $578,096,000, loans of $436,768,000, and deposits of $487,989,000. 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, 2021
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 $ 436.77 million
Loan loss allowance $ 7.49 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 487.99 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 $ 560.04 million

Summary Income Statement

March 31, 2021
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 State Bank and Trust Company of Valdosta’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, First State Bank and Trust Company of Valdosta’s loan portfolio does not show any specific loan specialty.

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 0.00
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 0.00
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Frequently Asked Questions About First State Bank And Trust Company Of Valdosta

Branches and Savings

Is First State Bank And Trust Company Of Valdosta FDIC insured?

Yes. It is covered under FDIC Certificate #10073.

Why does First State Bank And Trust Company Of Valdosta pay such low interest on savings accounts?

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

Why are First State Bank And Trust Company Of Valdosta CD rates not competitive?

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

Is First State Bank And Trust Company Of Valdosta a commercial bank?

Yes

Where are First State Bank And Trust Company Of Valdosta locations?

See branch locations nearby.

Is First State Bank And Trust Company Of Valdosta open on Saturdays?

Is First State Bank And Trust Company Of Valdosta open on Sundays?

What time does First State Bank And Trust Company Of Valdosta open?

What time does First State Bank And Trust Company Of Valdosta close?

Are First State Bank And Trust Company Of Valdosta ATMs Open 24/7?

Do First State Bank And Trust Company Of Valdosta ATMs accept cash deposits?

Can First State Bank And Trust Company Of Valdosta customers use other ATMs?

Do First State Bank And Trust Company Of Valdosta branches have notaries?

Will First State Bank And Trust Company Of Valdosta notarize my document?

What address for First State Bank And Trust Company Of Valdosta should I put for incoming ACH transfers?

Will the First State Bank And Trust Company Of Valdosta branch print checks?

Do First State Bank And Trust Company Of Valdosta checks expire?

Does First State Bank And Trust Company Of Valdosta require US citizenship to open account?

Can First State Bank And Trust Company Of Valdosta close my account?

Does First State Bank And Trust Company Of Valdosta Report to credit bureaus?

Does First State Bank And Trust Company Of Valdosta Use Equifax?

What is First State Bank And Trust Company Of Valdosta's ACH Routing Number?

What is First State Bank And Trust Company Of Valdosta's SWIFT code?

Products

Does First State Bank And Trust Company Of Valdosta offer mortgages?

Compare mortgage rates here.

Does First State Bank And Trust Company Of Valdosta offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First State Bank And Trust Company Of Valdosta offer personal loans?

Compare personal loan rates here.

Does First State Bank And Trust Company Of Valdosta offer student loans?

Will First State Bank And Trust Company Of Valdosta cash a check?

Will First State Bank And Trust Company Of Valdosta redeem a savings bond?

Does First State Bank And Trust Company Of Valdosta cash savings bonds?

Will First State Bank And Trust Company Of Valdosta cash money orders?

Can First State Bank And Trust Company Of Valdosta issue a money order?

Does First State Bank And Trust Company Of Valdosta do currency exchange?

Background on The Bank

Who owns First State Bank And Trust Company Of Valdosta?

How long has First State Bank And Trust Company Of Valdosta been around?

Can First State Bank And Trust Company Of Valdosta transfer to other banks?

Does First State Bank And Trust Company Of Valdosta have quick pay?

Does First State Bank And Trust Company Of Valdosta accept rolled coins?

Will First State Bank And Trust Company Of Valdosta accept loose change?

Where is First State Bank And Trust Company Of Valdosta headquarters?

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