First State Bank and Trust Company, Inc.

Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
2.20%	5-year CD	60 Month Time Deposit CD - Quarterly 3.00% - Goldman Sachs Bank USA High-yield 5 Year CD
1.60%	1-year CD	12 Month Time Deposit CD - Quarterly 2.45% - Goldman Sachs Bank USA High-yield 12 Month CD
0.25%	Savings	Statement Savings Account 1.75% - American Express National Bank High Yield Savings Account

View all First State Bank and Trust Company, Inc. rates »

Overview / Commentary

www.fsbtrust.com

573-333-1700

100 West Third Street
Caruthersville, MO 63830

First State Bank and Trust Company, Inc. is headquartered in Caruthersville and is the 71^st largest bank in the state of Missouri. It is also the 1,953^rd largest bank in the nation. It was established in 1934 and as of March of 2018, it had grown to 92 employees at 5 locations. First State Bank and Trust Company, Inc.'s money market rates are 4X the national average, and it has an A health rating.

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Health

A

Data as of Q1 2018

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Health Grade Components

Overall
FDIC Certificate #	14185
Year Established	1934
Employees	92
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	1.44%
Return on Equity - YTD	12.01%
Annual Interest Income	$3.7MM

Assets and Liabilities
Assets	Q1 2018vs Q1 2017	$348.9MM$345.3MM
Loans	Q1 2018vs Q1 2017	$238.1MM$227.1MM
Deposits	Q1 2018vs Q1 2017	$300.1MM$297.4MM
Equity Capital	Q1 2018vs Q1 2017	$42.1MM$41.1MM
Loan Loss Allowance	Q1 2018vs Q1 2017	$3.6MM$3.6MM
Unbacked Noncurrent Loans	Q1 2018vs Q1 2017	$238.00K$268.00K
Real Estate Owned	Q1 2018vs Q1 2017	$64.00K$34.00K

Rates

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First State Bank and Trust Company, Inc. Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.80%	-	-	Health Savings Account
0.25%	-	-	Statement Savings Account
0.25%	-	-	Christmas Club Account

First State Bank and Trust Company, Inc. Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.55%^*	$25k^*	-	Money Market Demand Account
OTHER TIERS: 1.35% → Up to $25k

First State Bank and Trust Company, Inc. Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.15%^*	$1.5k^*	-	Platinum Interest Checking
OTHER TIERS: 0.10% → Up to $1,500
0.10%	-	-	Fabulous 50 Interest Checking
0.10%	-	-	Legacy Checking
0.10%	-	-	Advantage Checking
0.05%	-	-	Business Interest Checking

First State Bank and Trust Company, Inc. CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.20%	$1k	-	60 Month Time Deposit CD - Quarterly
2.10%	$1k	-	36 Month Time Deposit CD - Quarterly
2.05%	$1k	-	30 Month Time Deposit CD - Quarterly
2.00%	$1k	-	24 Month Time Deposit CD - Quarterly
1.89%	$1k	-	18 Month Time Deposit CD - Quarterly
1.60%	$1k	-	12 Month Time Deposit CD - Quarterly
0.75%	$1k	-	9 Month Time Deposit CD - Quarterly
0.70%	$1k	-	6 Month Time Deposit CD - Quarterly
0.30%	$1k	-	3 Month Time Deposit CD - Quarterly
0.25%	$1k	-	1 Month Time Deposit CD - Monthly

First State Bank and Trust Company, Inc. IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.20%	$1k	-	36 Month IRA - Quarterly
2.20%	$1k	-	60 Month IRA - Quarterly
2.15%	$1k	-	48 Month IRA - Quarterly
2.00%	$1k	-	24 Month IRA - Quarterly
1.89%	$1k	-	18 Month IRA - Quarterly
1.60%	$1k	-	12 Month IRA - Quarterly
0.70%	$1k	-	6 Month IRA - Quarterly
0.25%	$1k	-	1 Month IRA - Monthly

Locations

First State Bank and Trust Company, Inc. Locations
First State Bank and Trust Company, Inc.	100 West Third Street	Caruthersville, MO 63830
Portageville Branch	301 East Third Street	Portageville, MO 63873
Dexter Branch	710 US 60 Business Highway West	Dexter, MO 63841
Sikeston Branch	750 South Main	Sikeston, MO 63801
Hayti Branch	805 East Washington	Hayti, MO 63851

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