TellerScore

First State Bank and Trust Company, Inc. is a state-chartered bank (fed member) headquartered in Caruthersville, Missouri, in business for about 92 years. At the end of Q2 2026 it reported $659.0M in total assets and $558.7M in deposits, with 10 offices.

First State Bank and Trust Company, Inc. has a TellerScore of 56 out of 100 (moderate) based on Q2 2026 data — higher than only 13% of its 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 168th. Earnings contributes the most (94/100, 1.85%); loan quality contributes the least (0/100, 4.76%).

TellerScore · Q2 2026

Scorecard

Capital cushion76/100
Tier 1 leverage ratio: 12.57%
Loan quality0/100
Noncurrent loans ÷ total loans: 4.76%
Earnings94/100
Return on assets (annualized): 1.85%
Funding & liquidity69/100
Loans ÷ deposits and uninsured-deposit share: 86.1% · 19.5% uninsured
Problem-loan coverage42/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 28.98%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 11 points (67 → 56), mostly because the loan quality component weakened by 49 points.

TellerScore
556880Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202467
Q4 202474
Q1 202580
Q2 202567
Q3 202567
Q4 202555
Q1 202655
Q2 202656
Tier 1 leverage ratio
5.00%8.94%12.88%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.88%
Q3 202412.27%
Q4 202412.56%
Q1 202511.89%
Q2 202512.08%
Q3 202512.14%
Q4 202512.18%
Q1 202612.44%
Q2 202612.57%
Noncurrent loans
0.24%2.50%4.76%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.38%
Q3 20242.01%
Q4 20241.37%
Q1 20250.24%
Q2 20251.52%
Q3 20251.84%
Q4 20253.50%
Q1 20264.09%
Q2 20264.76%
Return on assets
1.39%1.68%1.98%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.98%
Q3 20241.95%
Q4 20241.92%
Q1 20251.56%
Q2 20251.39%
Q3 20251.62%
Q4 20251.71%
Q1 20261.78%
Q2 20261.85%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202656$659.0M12.57%4.76%1.85%86.1%
Q1 202655$644.5M12.44%4.09%1.78%85.3%
Q4 202555$642.0M12.18%3.50%1.71%81.9%
Q3 202567$629.6M12.14%1.84%1.62%82.2%
Q2 202567$607.5M12.08%1.52%1.39%83.2%
Q1 202580$594.3M11.89%0.24%1.56%83.4%
Q4 202474$616.1M12.56%1.37%1.92%83.5%
Q3 202467$619.7M12.27%2.01%1.95%87.3%
Q2 202475$595.2M12.88%1.38%1.98%84.6%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.57%
71st
Total risk-based capital0.00%
24th
Problem loans4.76%
3rd
Net charge-offs0.22%
12th
Return on assets1.85%
82nd
Net interest margin4.50%
80th
Efficiency ratio54.0%
74th
Loans to deposits86.1%
35th
Uninsured deposits19.5%
66th
Loan-loss reserves1.35%
68th
Texas ratio29.0%
2nd

Similar-size banks in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
First Midwest Bank of DexterBank Dexter, MO69 out of 100, Moderate$652.0M11.0%0.79%vs
Bank of OdessaBank Odessa, MO72 out of 100, Strong$667.1M13.7%2.12%vs
Verimore BankBank Brookfield, MO76 out of 100, Strong$639.1M10.6%0.26%vs
Legends BankBank Linn, MO90 out of 100, Very strong$635.5M18.3%0.51%vs
Phelps County BankBank Rolla, MO61 out of 100, Moderate$621.7M8.9%1.16%vs
The Maries County BankBank Vienna, MO89 out of 100, Very strong$600.5M14.8%0.12%vs

Deposit insurance

Is my money safe at First State Bank and Trust Company, Inc.?

Yes. First State Bank and Trust Company, Inc. is an FDIC-insured institution (FDIC certificate #14185). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 19.5% of deposits ($109.0M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.57%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

10 locations

Branches

First State Bank and Trust Company, Inc. lists 8 offices in 8 cities. Most locations:

  • Caruthersville, MO (1)
  • Charleston, MO (1)
  • Dexter, MO (1)
  • Hayti, MO (1)
  • Kennett, MO (1)
  • Portageville, MO (1)
  • Senath, MO (1)
  • Sikeston, MO (1)

All branch addresses and map

Identity & history

Profile

Legal name
First State Bank and Trust Company, Inc.
Former names
First State Bank of Caruthersville; First State Bank and Trust Company of Caruthersville
Type
State-chartered bank (Fed member)
FDIC certificate #
14185
RSSD ID
489548
Primary regulator
FED
Holding company
First St Bcorp Combined Retirement Benefit Plan
Established
April 2, 1934
Headquarters
100 W 3rd St, Caruthersville, MO 63830
Employees
90

Quick answers

First State Bank and Trust Company, Inc.: common questions

Is First State Bank and Trust Company, Inc. FDIC insured?

Yes. First State Bank and Trust Company, Inc. is an FDIC-insured institution (FDIC certificate #14185). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First State Bank and Trust Company, Inc.'s TellerScore?

56 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First State Bank and Trust Company, Inc. ever failed?

There is no failure record for FDIC certificate #14185 in the FDIC failed bank list.

How many branches does First State Bank and Trust Company, Inc. have?

10 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Caruthersville

InstitutionScoreAssetsCapitalProblem loansCompare
First South Financial Federal Credit UnionCredit union Bartlett, TN95 out of 100, Very strong$844.8M30.2%0.22%vs
Bank of New MadridBank New Madrid, MO92 out of 100, Very strong$116.6M14.1%0.04%vs
Nucor Employee'S Credit UnionCredit union Florence, SC91 out of 100, Very strong$68.2M19.7%0.61%vs
Focus BankBank Charleston, MO75 out of 100, Strong$854.1M12.6%0.85%vs
First State Community BankBank Farmington, MO73 out of 100, Strong$4.5B11.7%1.07%vs
The Park National BankBank Newark, OH72 out of 100, Strong$12.6B10.3%0.86%vs