BanksFIRST STATE BANK AND TRUST COMPANY, INC.

FIRST STATE BANK AND TRUST COMPANY, INC.

CARUTHERSVILLE, MOMediumEst. April 2, 1934, midnightFDIC #14185RSSD #489548FED
Latest · 2025-12-31

FIRST STATE BANK AND TRUST COMPANY, INC. is an FDIC-insured commercial bank headquartered in CARUTHERSVILLE, MO, established in April 2, 1934, midnight. As of 2025-12-31, the bank reported total assets of $642M and total deposits of $556M. Profitability stands at 1.98% ROA and 18.78% ROE, with a net interest margin of 4.57%. CET1 capital ratio: 10.59%, well above regulatory minimums. NPL ratio: 1.63% · Texas Ratio: 10.07%. Operates 7 domestic branches.

Assets
$642M
Deposits
$556M
Loans
$462M
Equity
$69M

Profitability

Return on Assets (ROA)1.98%
Return on Equity (ROE)18.78%
Net Interest Margin4.57%
Yield on Assets6.63%
Cost of Funds2.13%

Asset Quality

NPL Ratio1.63%
Net Charge-Off Ratio0.39%
Texas Ratio10.07%
NPA Ratio1.18%
ACL / Loans1.31%

Capital & Liquidity

CET1 Ratio10.59%
Tier 1 Capital10.59%
Total Capital Ratio11.12%
Leverage Ratio12.18%
Loan-to-Deposit82.98%

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