C
First State Bank and Trust Company, Inc.
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
12.14
Return On
Assets
1.59%
Total
Assets
629.65M
Capital
65.33M
Total
Deposits
547.04M
Net
Income
7.42M
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Weiss Ratings First State Bank and Trust Company, Inc.
Caruthersville, MO 		Click to
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Rating C
Asset Quality Index 5.10
Capitalization Index 10.00
Liquidity Index 0.60
Profitability Index 6.60
Stability Index 3.70
Company Info First State Bank and Trust Company, Inc.
Caruthersville, MO 		Click to
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FDIC Number 14185
Phone Number (573) 333-1700
Website www.fsbtrust.com
Asset Quality First State Bank and Trust Company, Inc.
Caruthersville, MO 		Click to
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1-Year Asset Growth 1.61%
5-Year Asset Growth 12.07%
5-Year Charge-Offs to Average Loans 0.14%
Charge-Offs to Average Loans 0.46%
Non-Performing Assets to Assets 1.06%
Non-Performing Loans to Capital 10.23%
Non-Performing Loans to Loans 1.46%
Balance Sheet First State Bank and Trust Company, Inc.
Caruthersville, MO 		Click to
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Total Assets 629.65M
Total Deposits 547.04M
Capital and Reserves First State Bank and Trust Company, Inc.
Caruthersville, MO 		Click to
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Capital 65.33M
Leverage Ratio 12.14
Loan Loss Reserves to Loans 1.32%
Risk-Based Capital Ratio --
Liquidity First State Bank and Trust Company, Inc.
Caruthersville, MO 		Click to
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Hot Money Ratio 37.21%
Liquidity Ratio 11.68%
Profitability First State Bank and Trust Company, Inc.
Caruthersville, MO 		Click to
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5-Year Return on Average Assets 1.80%
Net Income 7.42M
Net Interest Spread 4.35%
Operating Profit to Average Assets 1.59%
Overhead Efficiency Ratio 52.81%
Return on Assets 1.59%
Return on Equity 15.98%