FIRST BANK&TRUST OF MEMPHIS
MEMPHIS, TEXAS · FDIC Cert #3335
Capital & Safety Analysis
According to FDIC financial data, FIRST BANK&TRUST OF MEMPHIS holds a Tier 1 capital ratio of 17.97%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning FIRST BANK&TRUST OF MEMPHIS has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
FIRST BANK&TRUST OF MEMPHIS shows strong financial health indicators. With $72M in assets and a Health Score of 88/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
FIRST BANK&TRUST OF MEMPHIS has a Bank Health Score of A (88/100). It holds a Tier 1 capital ratio of 17.97%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
FIRST BANK&TRUST OF MEMPHIS holds $72M in total assets and $58M in total deposits. It is located in MEMPHIS, TEXAS (FDIC Certificate #3335).
FIRST BANK&TRUST OF MEMPHIS has a Tier 1 capital ratio of 17.97%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 1.98%, and the return on assets is 2.22%.
Yes. FIRST BANK&TRUST OF MEMPHIS is FDIC-insured (Certificate #3335). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.