Side-by-side · Q2 2026 data
First State Bank and Trust Company, Inc. vs Phelps County 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. | Phelps County Bank |
|---|---|---|
| TellerScore | 56 | 61 (stronger) |
| Capital cushion | 76 (stronger) | 39 |
| Loan quality | 0 | 61 (stronger) |
| Earnings | 94 (stronger) | 75 |
| Funding & liquidity | 69 | 72 (stronger) |
| Problem-loan coverage | 42 | 79 (stronger) |
| Peer percentile | 13th | 20th |
| Total assets | $659.0M | $621.7M |
| Deposits / shares | $558.7M | $565.5M |
| Capital ratio | 12.57% (stronger) | 8.88% |
| Problem loans | 4.76% | 1.16% (stronger) |
| Net charge-offs | 0.22% | 0.01% (stronger) |
| Return on assets | 1.85% (stronger) | 1.36% |
| Loans ÷ deposits | 86.1% | 82.4% (stronger) |
| Uninsured deposits | 19.5% (stronger) | 19.8% |
| Offices | 8 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Phelps County Bank has the higher TellerScore (61 vs 56). On the 7 directional measures above (where higher or lower is clearly better), First State Bank and Trust Company, Inc. leads on 3 and Phelps County Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.