First State Bank and Trust Company, Inc.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 39.43 percentage points lower than in Q1 2026, at 34.78%. Within Missouri, First State Bank and Trust Company, Inc. is 50th of 192 on return on assets, 1.92% as of Q2 2026, above the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, First State Bank and Trust Company, Inc. reported 1.92% on return on assets in Q2 2026, 0.66 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.57% |
| Equity capital to assets | 11.15% |
| Tangible equity to tangible assets | 10.99% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.89% |
| Non-performing assets ratio | 2.88% |
| Net charge-off ratio | 0.22% |
| Texas ratio | 29.99% |
| Allowance for credit losses to loans | 1.35% |
| Reserve coverage of non-performing loans | 34.78% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.92% |
| Return on equity | 17.61% |
| Net interest margin | 4.48% |
| Efficiency ratio | 51.72% |
| Yield on earning assets | 6.33% |
| Cost of funds | 1.86% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.29% |
| Core deposits to total deposits | 80.04% |
| Brokered deposits to total deposits | 13.24% |
| Deposits to assets | 84.79% |
| Securities to assets | 18.29% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.82% | 1.62% | 3.86% | 0.54% | 0.09% |
| Q4 2023 | 11.61% | 1.77% | 3.92% | 0.36% | 0.32% |
| Q1 2024 | 12.20% | 1.67% | 4.18% | 0.52% | 0.06% |
| Q2 2024 | 12.88% | 2.27% | 4.17% | 1.25% | 0.30% |
| Q3 2024 | 12.27% | 1.85% | 4.11% | 1.41% | 0.04% |
| Q4 2024 | 12.56% | 1.84% | 4.23% | 1.23% | 0.71% |
| Q1 2025 | 11.89% | 1.51% | 4.43% | 0.32% | 0.41% |
| Q2 2025 | 12.08% | 1.20% | 4.28% | 1.56% | 0.91% |
| Q3 2025 | 12.14% | 2.05% | 4.34% | 1.46% | 0.09% |
| Q4 2025 | 12.18% | 1.96% | 4.49% | 1.73% | 0.20% |
| Q1 2026 | 12.44% | 1.77% | 4.34% | 1.80% | 0.22% |
| Q2 2026 | 12.57% | 1.92% | 4.48% | 3.89% | 0.22% |
First State Bank and Trust Company, Inc. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank and Trust Company, Inc., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First State Bank and Trust Company, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14185) · FFIEC NIC profile (RSSD 489548)