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First State Bank And Trust Company, Inc.
Caruthersville, MO · FDIC Certificate #14185 · Chartered 04/0
Total assets
$658.98M
Total deposits
$558.72M
Total equity
$73.50M
Net loans
$481.08M
Branches (offices)
7
Net income (YTD)
$6.01M
Rank: #1,436 of 4,213 U.S. banks by assets · #56 of 190 in Missouri. Assets changed 8.5% and deposits 6.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.85% |
| Return on equity | 16.98% |
| Net interest margin (YTD) | 4.50% |
| Equity to assets | 11.15% |
| Tier 1 leverage ratio | 12.57% |
| Uninsured deposits (share of deposits) | 19.5% |
| Noncurrent loans (share of loans) | 4.76% |
| Net charge-offs (share of loans) | 0.22% |
| Loans to deposits | 86.1% |
| Real estate loans (share of loans) | 60.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $292.58M | 60.8% | |
| Commercial & industrial | $80.89M | 16.8% | |
| Consumer / individual | $10.88M | 2.3% | |
| Construction & development | $50.65M | 10.5% | |
| Agricultural | $88.69M | 18.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $511.37M | $449.54M | $4.68M | $49.90M |
| Jun 2023 | $587.11M | $489.67M | $5.35M | $54.74M |
| Jun 2024 | $595.18M | $505.46M | $5.83M | $60.70M |
| Jun 2025 | $607.55M | $526.52M | $4.21M | $60.96M |
| Jun 2026 | $658.98M | $558.72M | $6.01M | $73.50M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $558.72M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $558.72M.
Similar-sized banks
Wellington State Bank ($659.73M) · Gbc International Bank ($658.46M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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