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FSB of Ben Wheeler, Texas

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FSB of Ben Wheeler, Texas Rates & Review May 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, FSB of Ben Wheeler, Texas provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 11, 2026

You can compare FSB of Ben Wheeler, Texas rates to other rates in our database, including 12-month CD rates currently at 3.65%, 6-month CD rates at 1.76% and 3-month CD rates at 1.41%. Savings rates are at 0.25% and money market rates are at 0.40%. Mortgage rates on 30-year fixed loans are around 6.04%. All these rates can be compared to FSB of Ben Wheeler, Texas rates. MonitorBankRates evaluates the financial stability of FSB of Ben Wheeler, Texas with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.11%. Rates were last updated on 05/11/2026.

FSB of Ben Wheeler, Texas money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at FSB of Ben Wheeler, Texas? Share your experience about FSB of Ben Wheeler, Texas by leaving a review below, or read customer reviews before you decide to use FSB of Ben Wheeler, Texas.

Ranked #75 Healthiest Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.11%

Excellent Lower than avg

First State Bank of Ben Wheeler, Texas

14269 State Highway 64
Ben Wheeler, TX 75754

https://www.fsbbenwheeler.com

Current Rate Availability

We do not have FSB of Ben Wheeler, Texas rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for FSB of Ben Wheeler, Texas is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather FSB of Ben Wheeler, Texas rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with FSB of Ben Wheeler, Texas's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name FSB of Ben Wheeler, Texas

FDIC Certificate # 11904

Address 14269 State Highway 64, Ben Wheeler, TX 75754 · Van Zandt

Website https://www.fsbbenwheeler.com

Established 02/17/1911

FDIC Insurance Date 01/01/1934

Domestic Offices 4

Total Branches 4

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.11%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.1623%

Return on Equity (ROE) 8.8800%

Non-Performing Loans (NPL) 0.02%

Total Assets $184,266,000

Total Deposits $156,446,000

Equity Capital $27,709,000

Net Income $2,017,000

Headquarters Ben Wheeler

Total Offices 4

Source: FDIC | Last Updated 12/31/2025

2026 MBR Health & Safety Badge

FSB of Ben Wheeler, Texas earned the Top 100 Healthiest badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-s-2026.svg"
       alt="Ranked #75 in MonitorBankRates Top 100 Healthiest Small Banks 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page, or view the full Top 100 Healthiest Small Banks 2026 ranking.

Customer Reviews

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Frequently Asked Questions About FSB of Ben Wheeler, Texas

How many branches does FSB of Ben Wheeler, Texas operate?

FSB of Ben Wheeler, Texas currently maintains approximately 4 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, FSB of Ben Wheeler, Texas does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, FSB of Ben Wheeler, Texas provides members with tools to manage their accounts and build a solid financial history.

Does FSB of Ben Wheeler, Texas offer online and mobile banking?

Most modern institutions like FSB of Ben Wheeler, Texas provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.fsbbenwheeler.com.