C
First State Bank and Trust Company, Inc.
Rating Date
March 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
12.18
Return On
Assets
1.69%
Total
Assets
641.98M
Capital
69.05M
Total
Deposits
556.46M
Net
Income
10.58M
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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 3.80
Capitalization Index 10.00
Liquidity Index 0.90
Profitability Index 7.10
Stability Index 9.00
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 4.21%
5-Year Asset Growth 9.09%
5-Year Charge-Offs to Average Loans 0.14%
Charge-Offs to Average Loans 0.40%
Non-Performing Assets to Assets 1.25%
Non-Performing Loans to Capital 19.47%
Non-Performing Loans to Loans 1.73%
Balance Sheet First State Bank and Trust Company, Inc.
Caruthersville, MO 		Click to
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Total Assets 641.98M
Total Deposits 556.46M
Capital and Reserves First State Bank and Trust Company, Inc.
Caruthersville, MO 		Click to
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Capital 69.05M
Leverage Ratio 12.18
Loan Loss Reserves to Loans 1.31%
Risk-Based Capital Ratio --
Liquidity First State Bank and Trust Company, Inc.
Caruthersville, MO 		Click to
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Hot Money Ratio 31.78%
Liquidity Ratio 10.05%
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 10.58M
Net Interest Spread 4.39%
Operating Profit to Average Assets 1.69%
Overhead Efficiency Ratio 53.19%
Return on Assets 1.69%
Return on Equity 16.72%