First State Bank and Trust Company, Inc.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First State Bank and Trust Company, Inc. of Caruthersville, MO against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.92% | 1.34% | +0.58% | 83rd top |
| ROAE | 17.61% | 13.31% | +4.30% | 78th top |
| Net Interest Margin | 4.48% | 3.93% | +0.55% | 78th top |
| Efficiency Ratio | 51.72% | 61.15% | -9.43% | 77th top |
| PPNR / Avg Assets | 2.28% | 1.68% | +0.60% | 83rd top |
| Yield on Earning Assets | 6.33% | 5.67% | +0.66% | 82nd top |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.86% | 1.88% | -0.02% | 46th below |
| Net Interest Spread | 4.01% | 3.32% | +0.69% | 83rd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.89% | 0.94% | +2.95% | 4th bottom |
| NPA / Total Assets | 2.88% | 0.70% | +2.18% | 4th bottom |
| NCO / Avg Loans | 0.22% | 0.16% | +0.06% | 11th bottom |
| ACL / Total Loans | 1.35% | 1.28% | +0.07% | 68th above |
| ACL / NPLs (Coverage) | 34.78% | 1539.72% | -1504.94% | 5th bottom |
| Texas Ratio | 29.99% | 7.32% | +22.67% | 3rd bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 201.54% | 1396.65% | -1195.11% | 58th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.57% | 12.14% | +0.43% | 71st above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.15% | 11.37% | -0.22% | 62nd above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.99% | 11.09% | -0.10% | 64th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 87.29% | 80.63% | +6.66% | 35th below |
| Core Deposit Ratio | 80.04% | 86.86% | -6.82% | 16th bottom |
| Wholesale Funding Ratio | 3.28% | 5.03% | -1.75% | 52nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.47% | 6.85% | +1.62% | 77th top |
| Loan Growth (Y/Y) | 9.85% | 7.90% | +1.95% | 73rd above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.12% | 6.29% | -0.17% | 65th above |
See First State Bank and Trust Company, Inc.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First State Bank and Trust Company, Inc., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First State Bank and Trust Company, Inc. profile, how to read a UBPR, or how this data updates.