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	91
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	11/14/2025
CERT	14185
Office of The Comptroller District:	—
Office of Thrift Supervision Region	N/A

Financial Summary

Total Assets	$629.64M
Total Deposits	$547.04M
Total Liabilities	$564.32M
Total Equity Capital	$65.33M
Net Income	$3.21M
Net Loans and Leases	$449.73M
Assets Per Employee ($Millions)	$7.24M
Bank Premises and Fixed Assets	$9.77M
Cash and Balances due from Depository Institutions	$9.12M
Deposits Held in Domestic Offices	$547.04M

Return on Assets (ROA)	2.08%
Return on Equity (ROE)	20.36%
Net Interest Margin	4.43%
Efficiency Ratio	52.12%
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	10.376%
Earning Assets to total Assets	92.76%

Total Interest Income	$9.56M
Total Noninterest Income	$991.00k
Total Interest Expense	$3.21M
Total Noninterest Expense	$3.83M
Net Interest Income	$6.35M
Pre-tax Net Operating Income	$3.21M
Provision for Credit Losses	$300.00k
Discontinued Operations (Extraordinary Gains - Net)	$0

Goodwill and Other Intangibles	$0
All Other Assets	$0
Other Real Estate Owned	$40.00k
Other borrowed funds	$11.80M
Federal Funds Sold & Reverse Repurchase Agreement	$12.24M
Federal Funds Purchased and Repurchased Agreement	$0
All Other Liabilities	$5.35M
Total Liabilities and Capital	$629.64M

Securities	$119.73M
Available-for-sale debt securities	$119.73M
Equity securities with readily determinable fair values not held for trading	$0
Held-to-maturity securities	$0
Subordinated Debt	$0
Trading Account Assets	$125.00k
Trading Liabilities	$125.00k

What are the total assets of First State Bank and Trust Company, Inc.?

$629.64M as of the latest filing.

How much are First State Bank and Trust Company, Inc.'s total deposits?

$547.04M in total deposits.

Where is First State Bank and Trust Company, Inc. located?

Caruthersville, MO.

What is the Net Interest Margin?

4.43%.

How many domestic offices does it operate?

When was it established?

04/02/1934.

What is the Return on Assets (ROA)?

2.08%.

How much are total loans and leases?

$449.73M (latest filing).

What is the total interest income (latest filing)?

$9.56M.