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First State Bank and Trust Company, Inc.

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

Caruthersville, MO

10 branches across MO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 140 in MO.
  • Deposits +6.1% year over year ($558.7M on the books).
  • Delinquency rate 4.83%.
  • Return on assets 1.85%.
  • Efficiency ratio 54.02% vs a 64.48% peer average.
  • Loan-to-deposit ratio 86.10% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 140 in MO
View $100M-$1B leaderboard (MO) →

First State Bank and Trust Company, Inc. has 3 strengths but faces 2 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

  • + Profitability Leader: Top 32.1% in tier
  • + Net Interest Margin 0.51% above tier average
  • + Efficiency Ratio 10.46% below tier average

Key Concerns

Areas that may need attention

  • - Delinquency Rate 3.91% above tier average
  • - Nonperforming Asset Ratio 2.94% above tier average
Get updates when First State Bank and Trust Company, Inc. releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Total Assets ? $659.0M
+8.5% YoY +2.3% QoQ
+$272.4M $386.6M
+1.2% YoY
$1.6B
+6.4% YoY
$6.3B
+7.7% YoY
Top 14.9% in tier
Total Loans ? $481.1M
+9.8% YoY +4.1% QoQ
+$222.7M $258.3M
+1.7% YoY
$1.0B
+10.0% YoY
$3.2B
+9.4% YoY
Top 13.3% in tier
Total Deposits ? $558.7M
+6.1% YoY +3.1% QoQ
+$232.0M $326.7M
+0.7% YoY
$1.3B
+6.1% YoY
$4.9B
+7.3% YoY
85%
Return on Assets ? 1.85%
+33.3% YoY +4.3% QoQ
+0.53% 1.32%
+10.8% YoY
1.46%
+5.9% YoY
1.30%
+12.1% YoY
82%
Net Interest Margin ? 4.50%
+0.5% YoY +2.0% QoQ
+0.51% 3.99%
+5.0% YoY
4.55%
+0.7% YoY
3.95%
+4.9% YoY
80%
Efficiency Ratio ? 54.02%
+1.6% YoY -2.4% QoQ
-10.46% 64.48%
-3.2% YoY
59.57%
-3.2% YoY
70.05%
+2.5% YoY
74%
Delinquency Rate ? 4.83%
+213.0% YoY +16.3% QoQ
+3.91% 0.92%
+15.7% YoY
0.82%
+12.6% YoY
0.98%
+16.3% YoY
Bottom 2.7% in tier
Loan-to-Deposit Ratio ? 86.10%
+3.5% YoY +1.0% QoQ
+8.15% 77.95%
+1.0% YoY
80.82%
+1.6% YoY
79.03%
+2.3% YoY
35%
Non-Interest-Bearing Deposit Share ? 12.34%
-6.0% YoY -4.8% QoQ
-9.69% 22.03%
-0.6% YoY
20.71%
-0.5% YoY
21.98%
-0.6% YoY
15%
Nonperforming Asset Ratio ? 3.61%
+220.8% YoY +21.2% QoQ
+2.94% 0.67%
+16.4% YoY
0.67%
+14.9% YoY
0.69%
+15.8% YoY
Bottom 2.1% in tier
Tier 1 Capital Ratio ? 12.57%
+4.1% YoY +1.1% QoQ
-3.34% 15.91%
+1.4% YoY
15.38%
-1.1% YoY
17.09%
+0.8% YoY
42%
Non-Interest Income / Assets ? 0.30%
+7.5% YoY +108.7% QoQ
-0.27% 0.57%
+7.6% YoY
0.58%
+5.8% YoY
0.66%
+5.2% YoY
72%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Noninterest-Bearing 12.3%
-0.8pp YoY
-0.6pp QoQ
 -9.8pp 22.1% 20.9% 22.2% 15%
Brokered Deposits 13.2%
+3.2pp YoY
+4.0pp QoQ
 +5.4pp 7.9% 7.4% 8.5% 83%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
C&I 16.8%
-0.4pp YoY
-1.9pp QoQ
 +5.3pp 11.6% 12.3% 12.5% 81%
CRE 31.7%
-1.2pp YoY
-1.5pp QoQ
 -7.8pp 39.5% 36.8% 41.4% 38%
1-4 Family 12.5%
-0.7pp YoY
+0.1pp QoQ
 -20.1pp 32.6% 31.9% 31.3% 15%
Consumer 2.3%
-0.5pp YoY
-0.1pp QoQ
 -1.9pp 4.1% 4.1% 5.0% 51%

Capital

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 18.5% 19.7% n/a
Leverage Ratio 12.6%
+0.5pp YoY
+0.1pp QoQ
 +0.4pp 12.2% 11.6% 12.6% 71%
Total Capital Ratio n/a n/a 19.9% 19.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Full-Time Employees 90
-1 (-1.1%) YoY
+6 (+7.1%) QoQ
 +31 58 162 482 82%
Assets per Employee ($) $7.3M
+9.7% YoY
-4.6% QoQ
 -$196K $7.5M $8.0M $8.8M 58%
Branch Count 7
0 YoY
0 QoQ
 +2 4 10 18 75%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Past Due 90+ Days 1.0%
+0.9pp YoY
-1.4pp QoQ
 +0.7pp 0.3% 0.3% 0.4% 91%
Nonaccrual 4.0%
+2.5pp YoY
+2.2pp QoQ
 +3.0pp 0.9% 0.8% 1.0% 97%
Allowance Coverage 0.28x
-66.9% YoY
-13.0% QoQ
 -23.87x 24.15x 10.47x 20.23x 3%
Net Charge-off Rate (YTD) 0.2%
-0.4pp YoY
0.0pp QoQ
 +0.1pp 0.1% 0.3% 0.2% 86%

Profitability

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
ROE 17.0%
+3.3pp YoY
+0.5pp QoQ
 +4.8pp 12.2% 14.3% 11.6% 77%
Cost of Funds (YTD) 1.9%
-0.2pp YoY
0.0pp QoQ
 +0.2pp 1.7% 1.8% 1.7% 65%
Net Income ($, YTD) $6.0M
+42.7% YoY
— QoQ
 +$3.5M $2.6M $11.3M $40.4M 92%

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 (1)

Profitability Leader

growth
#213 of 661 • Top 32.1% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 1.85%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

352
Total Loans
size
Value: $481.08M
Peer Median: $258.35M
#352 of 2643 Top 13.3% in $100M-$1B
395
Total Assets
size
Value: $658.98M
Peer Median: $386.57M
#395 of 2643 Top 14.9% in $100M-$1B
406
Total Deposits
size
Value: $558.72M
Peer Median: $326.73M
#406 of 2643 Top 15.3% in $100M-$1B
469
Return on Assets
profitability
Value: 1.85%
Peer Median: 1.32%
#469 of 2643 Top 17.7% in $100M-$1B
534
Net Interest Margin
profitability
Value: 4.50%
Peer Median: 3.99%
#534 of 2643 Top 20.2% in $100M-$1B

Top Weaknesses (3 metrics)

2588
Nonperforming Asset Ratio
credit_quality
Value: 3.61%
Peer Median: 0.67%
#2588 of 2643 Bottom 2.1% in $100M-$1B
2564
Delinquency Rate
credit_quality
Value: 4.83%
Peer Median: 0.92%
#2564 of 2633 Bottom 2.7% in $100M-$1B
2235
Non-Interest-Bearing Deposit Share
funding
Value: 12.34%
Peer Median: 22.03%
#2235 of 2643 Bottom 15.5% in $100M-$1B
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