BlastPoint's Banking Scorecard

First State Bank and Trust Company, Inc.

$100M-$1B Specialty: Agricultural MO FDIC cert 14185

Caruthersville, MO

7 branches across MO

2664 banks in the $100M-$1B peer group nationally 143 in MO

First State Bank and Trust Company, Inc. has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.51% above tier average
+ Net Interest Margin 0.48% above tier average
+ Efficiency Ratio 9.95% below tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 49.5% in tier
- Delinquency Rate 3.26% above tier average
- Nonperforming Asset Ratio 2.34% above tier average

Get updates when First State Bank and Trust Company, Inc. releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$644.5M +8.4% YoY +0.4% QoQ	+$258.4M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	84%
Total Loans ?	$462.0M +6.6% YoY +1.4% QoQ	+$206.2M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	Top 14.5% in tier
Total Deposits ?	$541.9M +4.3% YoY -2.6% QoQ	+$213.9M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	83%
Return on Assets ?	1.78% +14.0% YoY +3.7% QoQ	+0.51%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	80%
Net Interest Margin ?	4.41% -3.5% YoY -1.8% QoQ	+0.48%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	78%
Efficiency Ratio ?	55.34% +6.5% YoY +4.0% QoQ	-9.95%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	73%
Delinquency Rate ?	4.15% +16.9% QoQ	+3.26%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	Bottom 3.2% in tier
Loan-to-Deposit Ratio ?	85.26% +2.2% YoY +4.1% QoQ	+8.62%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	34%
Non-Interest-Bearing Deposit Share ?	12.96% -18.1% YoY -19.9% QoQ	-9.06%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	17%
Nonperforming Asset Ratio ?	2.98% +18.1% QoQ	+2.34%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	Bottom 3.1% in tier
Tier 1 Capital Ratio ?	12.44% +4.6% YoY +2.1% QoQ	-3.39%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	40%
Non-Interest Income / Assets ?	0.14% +5.5% YoY -74.2% QoQ	-0.14%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	71%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

NIB Deposit Bleed

decline

#99 of 198 • Bottom 49.5% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 12.96%

(Tier: 22.02%, National: 22.01%)

worse than tier avg

198 of 198 Community banks match · 238 nationally

↓ Shrinking -31 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

387

Total Loans

size

Value: $461.96M

Peer Median: $255.72M

#387 of 2664 Top 14.5% in $100M-$1B

427

Total Assets

size

Value: $644.45M

Peer Median: $386.08M

#427 of 2664 Top 16.0% in $100M-$1B

452

Total Deposits

size

Value: $541.86M

Peer Median: $327.97M

#452 of 2664 Top 16.9% in $100M-$1B

522

Return on Assets

profitability

Value: 1.78%

Peer Median: 1.27%

#522 of 2664 Top 19.6% in $100M-$1B

580

Net Interest Margin

profitability

Value: 4.41%

Peer Median: 3.93%

#580 of 2664 Top 21.7% in $100M-$1B

Top Weaknesses (3 metrics)

2583

Nonperforming Asset Ratio

credit_quality

Value: 2.98%

Peer Median: 0.64%

#2583 of 2664 Bottom 3.1% in $100M-$1B

2571

Delinquency Rate

credit_quality

Value: 4.15%

Peer Median: 0.89%

#2571 of 2654 Bottom 3.2% in $100M-$1B

2201

Non-Interest-Bearing Deposit Share

funding

Value: 12.96%

Peer Median: 22.02%

#2201 of 2664 Bottom 17.4% in $100M-$1B