C
First State Bank and Trust Company, Inc.
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
12.08
Return On
Assets
1.36%
Total
Assets
607.55M
Capital
60.96M
Total
Deposits
526.52M
Net
Income
4.21M
My Lists My Alerts
Weiss Ratings First State Bank and Trust Company, Inc.
Caruthersville, MO 		Click to
Compare		 Click to
Compare		 Click to
Compare
Rating C
Asset Quality Index 5.30
Capitalization Index 10.00
Liquidity Index 0.70
Profitability Index 4.20
Stability Index 8.50
Company Info First State Bank and Trust Company, Inc.
Caruthersville, MO 		Click to
Compare		 Click to
Compare		 Click to
Compare
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
Compare		 Click to
Compare		 Click to
Compare
1-Year Asset Growth 2.08%
5-Year Asset Growth 12.07%
5-Year Charge-Offs to Average Loans 0.14%
Charge-Offs to Average Loans 0.66%
Non-Performing Assets to Assets 1.15%
Non-Performing Loans to Capital 8.76%
Non-Performing Loans to Loans 1.56%
Balance Sheet First State Bank and Trust Company, Inc.
Caruthersville, MO 		Click to
Compare		 Click to
Compare		 Click to
Compare
Total Assets 607.55M
Total Deposits 526.52M
Capital and Reserves First State Bank and Trust Company, Inc.
Caruthersville, MO 		Click to
Compare		 Click to
Compare		 Click to
Compare
Capital 60.96M
Leverage Ratio 12.08
Loan Loss Reserves to Loans 1.31%
Risk-Based Capital Ratio --
Liquidity First State Bank and Trust Company, Inc.
Caruthersville, MO 		Click to
Compare		 Click to
Compare		 Click to
Compare
Hot Money Ratio 34.25%
Liquidity Ratio 11.08%
Profitability First State Bank and Trust Company, Inc.
Caruthersville, MO 		Click to
Compare		 Click to
Compare		 Click to
Compare
5-Year Return on Average Assets 1.80%
Net Income 4.21M
Net Interest Spread 4.36%
Operating Profit to Average Assets 1.36%
Overhead Efficiency Ratio 53.16%
Return on Assets 1.36%
Return on Equity 13.73%