First State Bank and Trust Company, Inc.
Caruthersville, MO
IDRSSD: 489548
Total Assets
$641.98M
Latest filing
Total Deposits
$556.46M
Latest filing
Net Interest Margin
4.59%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
First State Bank and Trust Company, Inc.
100 W 3rd St
Caruthersville, MO 63830
Full Service - Brick and Mortar
Updated 01/30/2026Established 04/02/1934FDIC Certificate 8857
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First State Bank and Trust Company, Inc. (Main) | 100 W 3rd St | Caruthersville, MO |
| PORTAGEVILLE BRANCH | 301 E 3rd St | Portageville, MO |
| SIKESTON BRANCH | 750 S Main St | Sikeston, MO |
| DEXTER BRANCH | 710 Us 60 Business Highway West | Dexter, MO |
| MISSISSIPPI COUNTY BRANCH | 501 S Main St | Charleston, MO |
| HAYTI BRANCH | 805 E Washington St | Hayti, MO |
| MATTHEWS BRANCH | 100 W Main St | Matthews, MO |
Showing 6 of 6
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 04/02/1934 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 63830 |
| State and County Number | 29155 |
| Subchapter S Corporations | Yes |
| Trust Powers | Trust Powers Grandfathered |
| Federal Reserve ID Number | 08 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 87 |
| Domestic Offices | 7 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 12/20/2022 |
| Date of Deposit Insurance | 04/02/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.fsbtrust.com |
| Data Updated | 01/30/2026 |
| CERT | 14185 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $641.98M |
| Total Deposits | $556.46M |
| Total Liabilities | $572.93M |
| Total Equity Capital | $69.05M |
| Net Income | $3.15M |
| Net Loans and Leases | $455.67M |
| Assets Per Employee ($Millions) | $7.73M |
| Bank Premises and Fixed Assets | $9.62M |
| Cash and Balances due from Depository Institutions | $17.63M |
| Deposits Held in Domestic Offices | $556.46M |
Key Performance Ratios
| Return on Assets (ROA) | 1.98% |
| Return on Equity (ROE) | 18.78% |
| Net Interest Margin | 4.59% |
| Efficiency Ratio | 54.3% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.19% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.756% |
| Earning Assets to total Assets | 90.5% |
Income and Expense
| Total Interest Income | $9.70M |
| Total Noninterest Income | $870.00k |
| Total Interest Expense | $3.01M |
| Total Noninterest Expense | $4.10M |
| Net Interest Income | $6.69M |
| Pre-tax Net Operating Income | $3.15M |
| Provision for Credit Losses | $300.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $40.00k |
| Other borrowed funds | $11.80M |
| Federal Funds Sold & Reverse Repurchase Agreement | $15.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.56M |
| Total Liabilities and Capital | $641.98M |
Securities
| Securities | $123.62M |
| Available-for-sale debt securities | $123.62M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $101.00k |
| Trading Liabilities | $101.00k |
Frequently Asked Questions
What are the total assets of First State Bank and Trust Company, Inc.?
$641.98M as of the latest filing.
How much are First State Bank and Trust Company, Inc.'s total deposits?
$556.46M in total deposits.
Where is First State Bank and Trust Company, Inc. located?
Caruthersville, MO.
What is the Net Interest Margin?
4.59%.
How many domestic offices does it operate?
7.
When was it established?
04/02/1934.
What is the Return on Assets (ROA)?
1.98%.
How much are total loans and leases?
$455.67M (latest filing).
What is the total interest income (latest filing)?
$9.70M.