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FirstCapital Bank of Texas Review

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FirstCapital Bank of Texas Savings
0.40% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations


Established in 1998, FirstCapital Bank of Texas has assets totaling $1 billion and $975 million in deposits, classifying the institution as a medium-size bank. FirstCapital Bank of Texas, whose headquarters are in Midland, Texas, has above-average customer service access with a live chat feature, which is helpful for those that work during typical customer service hours. It is a traditional brick-and-mortar bank with access to service representatives at a physical location, in addition to its online and mobile offerings. With a score of 4.5 stars out of 5, FirstCapital Bank of Texas should be solidly in contention for your choice of bank. FirstCapital Bank of Texas has a choice of product offerings, which include savings accounts, checking accounts, CDs, IRAs, mortgage products and credit cards. FirstCapital Bank of Texas has a fair savings rate compared to the average savings account. If you're interested in stress-free personal checking, the bank's most basic checking account does not carry a monthly charge. Finding a checking account with no monthly fee and a savings account with a high APY at the same bank is your best option for returning the most income from your deposits alongside convenient access to your funds.

How We Rated It

SmartAsset's Overall Rating

National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more


SmartAsset Average: 3.5

With a savings rate of 0.40%, FirstCapital Bank of Texas ranks poorly compared to other U.S. banks. FirstCapital Bank of Texas's one-year CD earns at a rate of 1.50% and the five-year CD earns at a rate of 2.25%, while its highest-yielding money market account has an APY of 0.20%. Given its poor savings rate, you should consider other options to earn more on your deposits.

How FirstCapital Bank of Texas's Savings Rates Compare

FirstCapital Bank of Texas Savings 0.40 National Average 0.26 Compare Offers
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SmartAsset Average: 4.4

FirstCapital Bank of Texas charges its customers low fees compared to the national average. With no monthly fee, FirstCapital Bank of Texas is perfect for people who want a basic banking experience. Additionally, at $35.00, FirstCapital Bank of Texas's overdraft fee is lower than the national average. FirstCapital Bank of Texas unfortunately doesn't refund out-of-network ATM fees, meaning you will have to search for a FirstCapital Bank of Texas ATM or eat the fee.

Monthly Fee $0 National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee $35.00 National Average: $35.00
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Service Quality

SmartAsset Average: 3.7

FirstCapital Bank of Texas is a brick-and-mortar bank, with 10 total bank locations in Texas. It also offers access to mobile and web apps for a straightforward mobile-banking experience. It does not offer all-day customer service with actual service representatives. You can get help during its hours, which are Monday through Sunday and 6:00 a.m. to 12:00 a.m. CT. FirstCapital Bank of Texas also offers a live chat feature, an alternative customer service tool if you can't call in during business hours. FirstCapital Bank of Texas's online and mobile banking services receive reasonably satisfactory feedback from users. The FirstCapital Bank of Texas mobile app rates a 4.3 out of 5 (with 6 customer reviews on iOS and Android) compared to the national average of 3.8. You can access FirstCapital Bank of Texas's mobile app to manage your bank accounts by looking at account balances, transferring money as well as accessing support representatives. FirstCapital Bank of Texas receives a superb consumer satisfaction score based on comparatively few complaints reported to the Consumer Financial Protection Bureau (CFPB), a government-backed consumer protection agency.

Overall Mobile Rating 4.3/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat Yes
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Financial Health

SmartAsset Average: 4.8

FirstCapital Bank of Texas is a medium-size bank and manages assets totaling $1 billion as well as deposits totaling $975 million. It has an excellent Texas Ratio of 2.04%, indicating a negligible chance of failure. Additionally, FirstCapital Bank of Texas is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

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Compare FirstCapital Bank of Texas to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.4% APY $300
Checking Account 0.05% APY $1
Certificates of Deposit
  • 12 Month: 1.50% APY
  • 24 Month: 1.75% APY
  • 36 Month: 2.25% APY
  • 48 Month: 2.25% APY
  • 60 Month: 2.25% APY
$500 for all terms
Money Market Account 0.2% APY $25000

FirstCapital Bank of Texas has several deposit products like savings accounts, checking accounts and CDs that provide you with many options to manage your money. FirstCapital Bank of Texas does not have the best savings rate, which means you should consider taking a look elsewhere for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. FirstCapital Bank of Texas's CD rates are fair compared to the average U.S. bank.

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Find a FirstCapital Bank of Texas Near Me

FirstCapital Bank of Texas has 10 physical locations across the U.S.

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