First State Bank and Trust Company, Inc.
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Data as of · sourced from FFIEC call reports. How we update
First State Bank and Trust Company, Inc. is an FDIC-insured commercial bank headquartered in Caruthersville, MO, established in 1934 (FDIC certificate 14185), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $659.0M, up 8.5% from Q2 2025, the 56th largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.57% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 14185
- Headquarters
- Caruthersville, MO
- Established
- 1934
- Total assets, Q2 2026
- $659.0M
- Assets vs Q2 2025
- +8.5%
- Tier 1 leverage ratio, Q2 2026
- 12.57%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 081517907
- Latest call report
- Q2 2026, FFIEC 051 · First State Bank and Trust Company, Inc. call report
- Holding company
- FIRST STATE BANCORP, INC.
- Asset rank in state
- 56th of 191 in Missouri
Problem loans are rising at First State Bank and Trust Company, Inc.. The Caruthersville, Missouri bank had $659 million in assets at June 30, 2026, up 8.5% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 4.76% of loans from 1.52% a year earlier. It carries problem assets equal to 29.4% of the capital and reserves that would absorb them, 11.1 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it earns about $1.92 a year on every $100 of assets, higher than about three-quarters of banks its size (median $1.28).
Earnings jumped: net income for the quarter was $3.2 million, 70% above the same quarter a year earlier. The non-owner-occupied commercial real estate book ($71 million) is worsening: 15.07% of it is past due or on nonaccrual, up from 0.81% a year earlier.
As of June 30, 2026, First State Bank and Trust Company, Inc. reported a return on assets of 1.92%, a nonperforming-loan ratio of 4.76% and a Texas ratio of 29.43%. The figures come from its call report filed with the FFIEC.
Of the 191 banks headquartered in Missouri, First State Bank and Trust Company, Inc. is the 56th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.3% to $659.0M, loans rose 4.2% and deposits rose 3.1%. Its loan book on June 30, 2026 was led by agricultural production loans, at 18.2% of total loans, followed by commercial and industrial loans at 16.6%. The FDIC Summary of Deposits lists 7 offices for it, in 7 cities in MO; its Caruthersville office books 54% of its branch deposits. Judged on its Q2 2026 call report, First State Bank and Trust Company, Inc. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 100 W 3rd St, Caruthersville, MO 63830
- County
- Pemiscot
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Trust powers grandfathered
- Call Report form
- FFIEC 051
- Established
- April 2, 1934
- Former names
- First State Bank and Trust Company of Caruthersville (1988-1995)
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 90
- Domestic deposits
- $558.7M
- Allowance for credit losses
- $6.6M
- Net charge-offs (YTD)
- $521K
- Average total assets
- $657.8M
- Average total loans
- $479.0M
- Average interest-bearing deposits
- $540.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 2, 1934
- FDIC Cert
- 14185
- Fed RSSD
- 489548
- Website
- http://www.fsbtrust.com →
- Parent Holding Company
- FIRST STATE BANCORP, INC. (RSSD 1098705)
- Ultimate Parent
- RSSD 4101428
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, First State Bank and Trust Company, Inc. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, First State Bank and Trust Company, Inc.'s total assets ran between $576.1M (Q1 2024) and $659.0M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$659.0M total assets against $607.5M; $585.5M total liabilities against $546.6M.
$481.1M net loans and leases against $438.2M; $558.7M total deposits against $526.5M.
$120.5M securities against $121.4M; $13.7M cash and balances due against $13.4M.
$9.8M total interest income against $9.2M; $2.9M total interest expense against $3.0M.
$6.9M net interest income against $6.1M.
$1.0M total noninterest income against $875K; $4.2M total noninterest expense against $3.8M.
$600K provision for credit losses against $1.4M.
$3.2M net income against $1.9M.
1.92% return on assets against 1.20%; 4.48% net interest margin against 4.28%.
12.57% tier 1 leverage ratio against 12.08%.
Inside the full First State Bank and Trust Company, Inc. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
First State Bank and Trust Company, Inc. rankings
Its closest position to the top of a national ranking is 59 of 3,640, for Texas Ratio; its furthest is 1,428 of 4,196, for total assets.
Banks merged into First State Bank and Trust Company, Inc.
- Senath State Bank, effective August 1, 2026
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.20% (Q2 2025) to 2.05% (Q3 2025) and its net interest margin ran from 4.11% (Q3 2024) to 4.49% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.57% | 1.92% | 4.76% | 29.43% | 4.48% |
| Q1 2026 | 12.44% | 1.77% | 4.09% | 25.70% | 4.34% |
| Q4 2025 | 12.18% | 1.96% | 3.50% | 21.93% | 4.49% |
| Q3 2025 | 12.14% | 2.05% | 1.84% | 12.02% | 4.34% |
| Q2 2025 | 12.08% | 1.20% | 1.52% | 10.44% | 4.28% |
| Q1 2025 | 11.89% | 1.51% | 0.24% | 1.76% | 4.43% |
| Q4 2024 | 12.56% | 1.84% | 1.37% | 9.28% | 4.23% |
| Q3 2024 | 12.27% | 1.85% | 2.01% | 13.16% | 4.11% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First State Bank and Trust Company, Inc. (main office) | Caruthersville , MO | 63830 | $300.4M |
| Sikeston Branch | Sikeston , MO | 63801 | $90.4M |
| Hayti Branch | Hayti , MO | 63851 | $61.3M |
| Portageville Branch | Portageville , MO | 63873 | $60.7M |
| Dexter Branch | Dexter , MO | 63841 | $35.4M |
| Mississippi County Branch | Charleston , MO | 63834 | $6.0M |
| Matthews Branch | Matthews , MO | 63867 | $4.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2026 | Structure Change | Acquired Senath State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 27, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 27, 2018 | Structure Change | Acquired Mississippi County Savings and Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 18, 2005 | Structure Change | Acquired another institution Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 10, 2004 | Structure Change | Acquired Farmers Bank of Portageville Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in MO, rank 74 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $30K approved, $30K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First State Bank and Trust Company, Inc.
What are First State Bank and Trust Company, Inc.'s total assets?
As of the Q2 2026 filing, First State Bank and Trust Company, Inc. reported total assets of $659.0 million in its FFIEC call report.
Where is First State Bank and Trust Company, Inc. headquartered?
It is headquartered in Caruthersville, MO, United States.
When was First State Bank and Trust Company, Inc. founded?
It was established in 1934, per the FDIC institution directory.
Is First State Bank and Trust Company, Inc. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14185). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First State Bank and Trust Company, Inc.?
First State Bank and Trust Company, Inc.'s primary federal regulator is the Federal Reserve.
How many branches does First State Bank and Trust Company, Inc. operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First State Bank and Trust Company, Inc.'s Texas Ratio?
Its Texas Ratio is 29.43% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was First State Bank and Trust Company, Inc. previously called?
The charter now named First State Bank and Trust Company, Inc. has also operated as First State Bank and Trust Company of Caruthersville (1988-1995), per FDIC structure-change records.
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