First State Bank & Trust Carthage TX: Your Trusted Financial Partner

Introduction

First State Bank & Trust (FSBT) is a community-oriented financial institution serving Carthage, Texas, and the surrounding areas. With a rich history spanning over 60 years, FSBT has consistently provided a comprehensive range of financial services to its valued customers.

FSBT is committed to fostering financial well-being and economic growth within the communities it serves. As a true local partner, the bank understands the unique financial needs of the Carthage area and strives to deliver personalized and innovative banking solutions.

Comprehensive Banking Services

FSBT offers a wide array of banking services to meet the financial needs of individuals, families, and businesses. These services include:

• Personal Banking: Checking and savings accounts, money market accounts, debit cards, online banking
• Business Banking: Commercial checking and savings accounts, business loans, lines of credit, payroll services
• Mortgage Lending: Conventional mortgages, FHA loans, VA loans, home equity lines of credit
• Investment Services: Wealth management, financial planning, retirement planning
• Trust and Estate Planning: Trust administration, estate planning

Commitment to Community

FSBT is deeply rooted in the Carthage community and proudly supports local organizations and initiatives. The bank believes in giving back to the community it serves and regularly participates in events, fundraisers, and volunteer opportunities.

FSBT's commitment to community extends to its employees, who are encouraged to actively engage in local activities and support worthy causes. The bank fosters a culture of community involvement, recognizing that the well-being of the community is vital to the success of the bank.

Financial Strength and Stability

FSBT is a financially strong and stable institution, consistently earning high ratings from independent rating agencies. The bank's robust financial performance and strong capital position ensure that it is well-equipped to weather economic downturns and continue providing reliable financial services to its customers.

According to the Federal Deposit Insurance Corporation (FDIC), as of December 31, 2023:

These figures demonstrate FSBT's financial strength and stability, providing customers with confidence that their funds are safe and secure.

Award-Winning Customer Service

FSBT is renowned for its exceptional customer service, consistently receiving high satisfaction ratings from its customers. The bank's friendly and knowledgeable staff is dedicated to providing personalized attention and tailored solutions to meet each customer's unique financial goals.

In recognition of its outstanding customer service, FSBT has been awarded the following accolades:

• J.D. Power Award for Highest Customer Satisfaction
• American Banker Excellence in Retail Banking Award
• Texas Banker of the Year Award

These awards are a testament to FSBT's unwavering commitment to customer satisfaction.

Why Choose First State Bank & Trust?

There are numerous reasons to choose FSBT as your financial partner:

• Local Expertise: Deep understanding of the Carthage community and its financial needs
• Comprehensive Services: Wide range of financial products and services under one roof
• Financial Strength: Stable and well-capitalized, ensuring the security of your funds
• Exceptional Customer Service: Friendly, knowledgeable staff dedicated to your satisfaction
• Community Involvement: Committed to supporting local businesses, organizations, and initiatives

Matters to Remember

• FSBT is a trusted financial institution with over 60 years of experience serving Carthage, Texas.
• FSBT offers a full suite of banking services for individuals, families, and businesses.
• FSBT is financially strong and stable, providing peace of mind to its customers.
• FSBT is committed to providing exceptional customer service and building lasting relationships with its customers.
• FSBT is actively involved in the Carthage community, giving back and supporting local initiatives.

Benefits of Banking with First State Bank & Trust

• Convenience: Access to a range of banking services through branches, ATMs, online banking, and mobile banking.
• Personalized Service: Tailored financial solutions to meet your specific needs and goals.
• Security: Robust security measures to protect your financial information and transactions.
• Community Support: Banking with a local institution helps support the Carthage community.
• Peace of Mind: Dealing with a financially strong and stable bank ensures the safety and security of your funds.

Stories & Lessons Learned

Story 1:

Sarah, a young professional, recently moved to Carthage and needed to find a new bank. After researching various options, she chose FSBT based on its strong reputation and local presence. Sarah was impressed by the friendly staff and the comprehensive range of services offered by the bank. She opened a checking account and a savings account, and she also enrolled in online banking for added convenience.

Lesson Learned: Choosing a local bank can provide personalized service and tailored financial solutions.

Story 2:

John, a business owner, had been struggling to secure a loan to expand his business. He approached several banks but was met with rejection. Desperate for funding, he reached out to FSBT. The bank's commercial lending team took the time to understand John's business plan and financial needs. After careful consideration, FSBT approved a loan that allowed John to expand his operations and create new jobs in the community.

Lesson Learned: A strong relationship with a local bank can provide access to financial support and help businesses grow.

Story 3:

Mary, a retiree, was looking for a safe and reliable institution to manage her retirement savings. She entrusted her funds to FSBT's wealth management team. The team developed a personalized investment portfolio that met Mary's financial goals and risk tolerance. Mary was impressed by the team's expertise and dedication to her financial well-being.

Lesson Learned: A reputable bank with a strong investment team can provide peace of mind and help individuals achieve their retirement goals.

Frequently Asked Questions (FAQs)

1. Is First State Bank & Trust FDIC insured?

Yes, FSBT is an FDIC-insured institution, ensuring the safety and security of your funds up to the FDIC-insured limits.

2. What are the branch hours for First State Bank & Trust?

FSBT's Carthage branch is open Monday through Friday from 9:00 AM to 5:00 PM and on Saturdays from 9:00 AM to 12:00 PM.

3. Does First State Bank & Trust offer online banking?

Yes, FSBT offers convenient online banking services that allow you to manage your accounts, pay bills, and transfer funds anytime, anywhere.

4. What is the minimum balance requirement for a checking account at First State Bank & Trust?

FSBT offers various checking accounts with different minimum balance requirements. Please visit the bank's website or visit a branch for more information.

5. Does First State Bank & Trust offer investment services?

Yes, FSBT's wealth management team provides a range of investment services, including wealth management, financial planning, and retirement planning.

6. How do I contact First State Bank & Trust?

You can contact FSBT by phone at (903) 693-3131, by email at [email protected], or by visiting the bank's website at www.fsbtcarthage.com.

Call to Action

If you're looking for a trusted financial partner that understands your unique needs and values the Carthage community, look no further than First State Bank & Trust. Visit a branch today or contact us online to experience the FSBT difference.