C
First State Bank and Trust Company, Inc.
Rating Date
August 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
12.57
Return On
Assets
1.85%
Total
Assets
658.98M
Capital
73.50M
Total
Deposits
558.72M
Net
Income
6.01M
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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 1.90
Capitalization Index 10.00
Liquidity Index 0.30
Profitability Index 7.60
Stability Index 8.90
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 8.47%
5-Year Asset Growth 9.09%
5-Year Charge-Offs to Average Loans 0.20%
Charge-Offs to Average Loans 0.22%
Non-Performing Assets to Assets 2.97%
Non-Performing Loans to Capital 26.29%
Non-Performing Loans to Loans 3.89%
Balance Sheet First State Bank and Trust Company, Inc.
Caruthersville, MO 		Click to
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Total Assets 658.98M
Total Deposits 558.72M
Capital and Reserves First State Bank and Trust Company, Inc.
Caruthersville, MO 		Click to
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Capital 73.50M
Leverage Ratio 12.57
Loan Loss Reserves to Loans 1.35%
Risk-Based Capital Ratio --
Liquidity First State Bank and Trust Company, Inc.
Caruthersville, MO 		Click to
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Hot Money Ratio 37.55%
Liquidity Ratio 9.10%
Profitability First State Bank and Trust Company, Inc.
Caruthersville, MO 		Click to
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5-Year Return on Average Assets 1.79%
Net Income 6.01M
Net Interest Spread 4.41%
Operating Profit to Average Assets 1.85%
Overhead Efficiency Ratio 54.02%
Return on Assets 1.85%
Return on Equity 17.04%