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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 14185 · MO A · 82/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (82/100)
  • MID-PACK #1754/4307
  • PHOTO-FINISH The State Bank of Ca… · KS
  • TIER1-WELL 12.2% Tier 1
  • TEXAS-HEALTHY 21.5% Texas
  • ROA-STRONG 1.71% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Missouri: The State Bank of Canton, Canton, Kansas, KS (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around First State Bank and Trust Company, I…

Lowest and highest poles plus nearest scored peers outside Missouri, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Citizens State Bank… · IN · …82/100Farmers State Bank · TN · ne…82/100First State Bank and… · MO ·…82/100Peoples Bank · GA · near82/100The State Bank of Ca… · KS ·…82/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First State Bank and Trust Company, I… · July 2026

Call Report read for First State Bank and Trust Company, I… in a high-failure state

First State Bank and Trust Company, Inc. (FDIC Cert #14185) carries a PlainBankData health grade of A at 82/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,754 of 4,307. Tier 1 capital prints at 12.18%, clearing the 10% well-capitalized line. The Texas Ratio is 21.52%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.71%. Balance-sheet scale is $642M, 1,481st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The State Bank of Canton, Canton, Kansas (KS), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around First State Bank and Trust Company, I…

16 FAILURE resolutions in Missouri since 2000, heavy vs the state corpus

First State Bank and Trust Company, Inc. sits in one of the heavier post-2000 FAILURE states (16 resolutions; latest year 2012). The list below is state history from the Failed Bank List, not a claim about First State Bank and Trust Company, Inc.'s current Call Report.

  • TRUMAN BANK ST. LOUIS, MO 2012 → SIMMONS FIRST NATIONAL BANK
  • GLASGOW SAVINGS BANK GLASGOW, MO 2012 → REGIONAL MISSOURI BANK
  • COMMUNITY BANK OF THE OZARKS SUNRISE, MO 2012 → BANK OF SULLIVAN

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Missouri banks.

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.

0/100100/100National avg77/10082/100
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 Assets

$642M

Total balance-sheet footings

Total Deposits

$556M

Customer-funded liabilities

Net Loans

$456M

Outstanding loan book

Net Income

$11M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.78% 12.18% 13.58%
Basel III capital ratios - First State Bank and Trust Company, Inc.

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.: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

82 Top 41% higher than 59% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. First State Bank and Trust Company, I… 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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.

Capital & credit buffers at First State Bank and Trust Company, I…

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

What these ratios mean →

Earnings posture at First State Bank and Trust Company, I…

Return on Assets (ROA)
83rd percentile nationally
1.71%
Return on Equity (ROE)
16.57%
Efficiency Ratio
53.19%

What these mean →

Income & expense at First State Bank and Trust Company, I…

$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.

FDIC Failed Bank List → View First State Bank and Trust Company, Inc. on FDIC BankFind →

Top banks in Missouri by total assets

Largest banks headquartered in Missouri
  1. 1
    UMB Bank $72.8B

    Kansas City, MO · Grade A

  2. 2
    Commerce Bank $32.7B

    Kansas City, MO · Grade A

  3. 3
    The Central Trust Bank $20.8B

    Jefferson City, MO · Grade A

  4. 4
    Stifel Bank and Trust $19.4B

    Saint Louis, MO · Grade A

  5. 5
    Enterprise Bank & Trust $17.3B

    Clayton, MO · Grade B

Top 5 banks in Missouri ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($642M here), outside Missouri so the neighborhood is not state containment.

Phoenixville Federal Bank and Trust $641M · PA PS Bank $641M · PA Mt. McKinley Bank $641M · AK Citizens State Bank $640M · NE

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.

First State Bank and Trust Company, Inc. Call Report profile · FDIC Failed Bank List · Missouri FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Missouri

All Missouri banks →
BankAssetsGradeROA
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%