Total Assets
$642M
Total balance-sheet footings
FDIC Cert #14185 · Caruthersville, Missouri · Est. 1934
First State Bank and Trust Company, Inc. - FDIC Bank Health Profile
A community-scale look at First State Bank and Trust Company, Inc.'s own numbers, pulled straight from its quarterly FDIC Call Report.
- $642M
- Total assets
- A
- Health grade · Excellent
- 1.71%
- Return on assets
- 12.2%
- Tier 1 capital
Data updated July 2026
The verdict
First State Bank and Trust Company, Inc. earns a PlainBankData health grade of A (82/100), with well-capitalized at 12.18% Tier 1, profitable at 1.71% ROA, efficient (53% cost ratio).
- #1,481
- largest of 4,313 FDIC banks by assets
- 66th
- percentile by asset size, nationally
- 12.18%
- Tier 1 ratio - above the 10% well-capitalized line
- 83rd
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How First State Bank and Trust Company, Inc.'s 82/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First State Bank and Trust Company, Inc.'s composite health score
Tier 1 Capital Ratio (12.18%) 35/40
Return on Assets (ROA) (1.71%) 25/25
Texas Ratio (21.52%) 10/20
Efficiency Ratio (53.19%) 12/15
82 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$556M
Customer-funded liabilities
Net Loans
$456M
Outstanding loan book
Net Income
$11M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First State Bank and Trust Company, Inc. ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First State Bank and Trust Company, Inc.'s score of 82/100 falls in the highlighted band.
First State Bank and Trust Company, Inc.'s size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First State Bank and Trust Company, Inc.'s $642M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.18% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.18%
Texas Ratio
21.52%
Equity Capital
$69M
Profitability metrics
Return on Assets (ROA)
83rd percentile nationally
1.71%
Return on Equity (ROE)
16.57%
Efficiency Ratio
53.19%
What the numbers say about First State Bank and Trust Company, Inc.
First State Bank and Trust Company, Inc. is an FDIC-insured institution (Certificate #14185) headquartered in Caruthersville, Missouri, established in 1934. It holds $642M in total assets - 1,481st of 4,313 FDIC-insured banks, $556M in customer deposits, and $456M in net loans. On safety, its Tier 1 capital ratio of 12.18% is above the 10% well-capitalized threshold, and its Texas Ratio of 21.52% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (82/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Missouri, First State Bank and Trust Company, Inc. ranks 59th of 198 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$38M
Interest Income
$4M
Non-Interest Income
$15M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First State Bank and Trust Company, Inc. reports a Texas Ratio of 21.52% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
21.52% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Missouri by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First State Bank and Trust Company, Inc. (FDIC Cert #14185) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Missouri
All Missouri banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| UMB Bank, National AssociationKansas City | $72.8B | A | 1.01% |
| Commerce BankKansas City | $32.7B | A | 1.74% |
| The Central Trust BankJefferson City | $20.8B | A | 1.82% |
| Stifel Bank and TrustSaint Louis | $19.4B | A | 1.82% |
| Enterprise Bank & TrustClayton | $17.3B | B | 1.29% |
| Stifel BankSaint Louis | $11.7B | A | 1.49% |
| First BankSt. Louis | $6.7B | B | 0.51% |
| Great Southern BankReeds Spring | $5.6B | A | 1.31% |
Frequently asked questions
What is First State Bank and Trust Company, Inc.'s health grade?▼
First State Bank and Trust Company, Inc. receives a health grade of A (82/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is First State Bank and Trust Company, Inc.?▼
First State Bank and Trust Company, Inc. holds $642M in total assets and $556M in deposits, ranking 1,481st of 4,313 FDIC-insured banks by asset size. It is headquartered in Caruthersville, Missouri.
Is my money safe at First State Bank and Trust Company, Inc.?▼
Yes, deposits at First State Bank and Trust Company, Inc. (Certificate #14185) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First State Bank and Trust Company, Inc.'s Tier 1 Capital Ratio?▼
First State Bank and Trust Company, Inc. has a Tier 1 Capital Ratio of 12.18%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for First State Bank and Trust Company, Inc.?▼
First State Bank and Trust Company, Inc. has a Texas Ratio of 21.52%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First State Bank and Trust Company, Inc.?▼
First State Bank and Trust Company, Inc. has an Efficiency Ratio of 53.19%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First State Bank and Trust Company, Inc.'s profile as a depositor or analyst.
- First State Bank and Trust Company, Inc.'s grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First State Bank and Trust Company, Inc. against other Missouri banks before moving funds. Missouri banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.