Side-by-side · Q2 2026 data
First State Bank and Trust Company, Inc. vs First State Community Bank
Bank
First State Bank and Trust Company, Inc.
Caruthersville, Missouri · $100 million – $1 billion
Metric by metric
| Measure | First State Bank and Trust Company, Inc. | First State Community Bank |
|---|---|---|
| TellerScore | 56 | 73 (stronger) |
| Capital cushion | 76 (stronger) | 67 |
| Loan quality | 0 | 64 (stronger) |
| Earnings | 94 (stronger) | 93 |
| Funding & liquidity | 69 (stronger) | 61 |
| Problem-loan coverage | 42 | 87 (stronger) |
| Peer percentile | 13th | 70th |
| Total assets | $659.0M | $4.5B |
| Deposits / shares | $558.7M | $3.8B |
| Capital ratio | 12.57% (stronger) | 11.68% |
| Problem loans | 4.76% | 1.07% (stronger) |
| Net charge-offs | 0.22% | 0.12% (stronger) |
| Return on assets | 1.85% (stronger) | 1.82% |
| Loans ÷ deposits | 86.1% (stronger) | 90.4% |
| Uninsured deposits | 19.5% (stronger) | 23.0% |
| Offices | 8 | 48 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 15.4% |
First State Community Bank has the higher TellerScore (73 vs 56). On the 7 directional measures above (where higher or lower is clearly better), First State Bank and Trust Company, Inc. leads on 4 and First State Community Bank on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Hayti, MO
- Kennett, MO
- Portageville, MO
- Sikeston, MO