Is My Money Safe at First Bank of Celeste?
First Bank of Celeste (FDIC cert #3133) is FDIC-insured, so deposits are protected up to $250,000 per depositor, per ownership category — even if the bank fails. On the underlying financials, First Bank of Celeste carries a Bank Health Score of 97/100 (grade A) from FDIC call report data, with its strongest factor being Tier 1 capital (100/100) and profitability its weakest (75/100).
This page answers a common banking-safety question: Is My Money Safe at First Bank of Celeste?. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
Are your deposits at First Bank of Celeste protected?
First Bank of Celeste is FDIC-insured under certificate #3133. That means your deposits are guaranteed by the U.S. government up to $250,000 per depositor, per ownership category — and if the bank ever failed, the FDIC has historically made insured depositors whole within days, usually by the next business day. Checking, savings, money market, and CD balances are all covered; investment products like stocks, bonds, mutual funds, and annuities are not.
Because of that insurance, the practical question for most depositors is not whether your insured money is safe — it is — but whether First Bank of Celeste is financially healthy enough that your above-limit balances, business accounts, or banking relationship are on solid ground.First Bank of Celeste carries a Bank Health Score of 97/100 (grade A). Its Tier 1 capital ratio of 18.67% sits comfortably above the 8% "well-capitalized" threshold.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 18.67% | 100/100 |
| Nonperforming Loan Ratio | 0.00% | 100/100 |
| Liquidity Ratio | 61.61% | 100/100 |
| Return on Assets | 1.37% | 75/100 |
| Total Assets | $0.1B | |
How does First Bank of Celeste compare?
With a Bank Health Score of 97/100, First Bank of Celeste sits 17.0 points above the national average of 80/100 for FDIC-insured banks. Within Texas, where 321 FDIC-insured banks are headquartered, First Bank of Celeste ranks above the state average of 85/100 (Grade A).
The bank's Tier 1 capital ratio of 18.67% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold. Its nonperforming loan ratio of 0.00% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, First Bank of Celeste's Bank Health Score fell by 1.0 points to 97/100. Tier 1 capital strengthened by 1.11 percentage points to 18.67%.
Frequently Asked Questions
First Bank of Celeste (FDIC cert #3133) is FDIC-insured, so deposits are protected up to $250,000 per depositor, per ownership category — even if the bank fails. On the underlying financials, First Bank of Celeste carries a Bank Health Score of 97/100 (grade A) from FDIC call report data, with its strongest factor being Tier 1 capital (100/100) and profitability its weakest (75/100).
Yes. First Bank of Celeste (FDIC certificate #3133) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
First Bank of Celeste's Bank Health Score of 97/100 is 12.0 points above the Texas state average of 85/100. 321 FDIC-insured banks are headquartered in Texas.
More about First Bank of Celeste
First Bank of Celeste (FDIC cert #3133) is FDIC-insured, so deposits are protected up to $250,000 per depositor, per ownership category — even if the bank fails. On the underlying financials, First Bank of Celeste carries a Bank Health Score of 97/100 (grade A) from FDIC call report data, with its strongest factor being Tier 1 capital (100/100) and profitability its weakest (75/100).