First State Bank and Trust Company, Inc.

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 58^th largest bank in the state of Missouri. It is also the 1,708^th largest bank in the nation. It was established in 1934 and as of June of 2022, it had grown to 80 employees at 6 locations. First State Bank and Trust Company, Inc. has an A health rating.

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Health

Data as of Q2 2022

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Health Grade Components

Overall
FDIC Certificate #	14185
Year Established	1934
Employees	80
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	1.86%
Return on Equity - YTD	17.35%
Annual Interest Income	$9.9MM

Assets and Liabilities
Assets	Q2 2022vs Q2 2021	$511.4MM$449.3MM
Loans	Q2 2022vs Q2 2021	$346.3MM$269.0MM
Deposits	Q2 2022vs Q2 2021	$449.5MM$385.4MM
Equity Capital	Q2 2022vs Q2 2021	$49.9MM$55.6MM
Loan Loss Allowance	Q2 2022vs Q2 2021	$3.2MM$3.2MM
Unbacked Noncurrent Loans	Q2 2022vs Q2 2021	$1.4MM$1.4MM
Real Estate Owned	Q2 2022vs Q2 2021	$650.00K$0

Rates

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

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

APY	MIN	MAX	ACCOUNT NAME
0.07%	-	-	Statement Savings Account
0.07%	-	-	Christmas Club Account
0.05%	-	-	Health Savings Account

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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%^*	$25k^*	-	Money Market Demand Account
OTHER TIERS: 0.13% → Up to $25k

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

APY	MIN	MAX	ACCOUNT NAME
0.10%	-	-	Veteran Checking
0.08%^*	$1.5k^*	-	Platinum Interest Checking
OTHER TIERS: 0.05% → Up to $1.5k
0.05%	-	-	Business Interest Checking
0.05%	-	-	Legacy Checking
0.05%	-	-	Advantage Checking

Locations

First State Bank and Trust Company, Inc. Locations
First State Bank and Trust Company, Inc.	100 W 3rd St	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
Matthews Branch	100 W Main Street	Matthews, MO 63867
Mississippi County Branch	501 S Main St	Charleston, MO 63834

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