First State Bank and Trust Company, Inc.

Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
1.16%	5-year CD	60 Month Time Deposit CD - Quarterly 2.80% - Barclays 60 Month Online CD
0.65%	1-year CD	12 Month Time Deposit CD - Quarterly 2.20% - Barclays 12 Month Online CD
0.15%	Savings	Statement Savings Account 1.65% - Synchrony Bank High Yield Savings

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 68^th largest bank in the state of Missouri. It is also the 1,908^th largest bank in the nation. It was established in 1934 and as of December of 2017, it had grown to 96 employees at 5 locations. First State Bank and Trust Company, Inc. has an A health rating.

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Health

A

Data as of Q4 2017

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Health Grade Components

Overall
FDIC Certificate #	14185
Year Established	1934
Employees	96
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	1.53%
Return on Equity - YTD	12.77%
Annual Interest Income	$14.9MM

Assets and Liabilities
Assets	Q4 2017vs Q4 2016	$360.1MM$346.7MM
Loans	Q4 2017vs Q4 2016	$246.7MM$228.8MM
Deposits	Q4 2017vs Q4 2016	$310.5MM$298.6MM
Equity Capital	Q4 2017vs Q4 2016	$42.8MM$41.3MM
Loan Loss Allowance	Q4 2017vs Q4 2016	$3.6MM$3.6MM
Unbacked Noncurrent Loans	Q4 2017vs Q4 2016	$402.00K$316.00K
Real Estate Owned	Q4 2017vs Q4 2016	$82.00K$42.00K

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
0.15%	-	-	Statement Savings Account
0.15%	-	-	Christmas Club Account

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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%^*	$25k^*	-	Money Market Demand Account
OTHER TIERS: 0.05% → Up to $25k

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

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

First State Bank and Trust Company, Inc. CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.45%	$1k	-	42 Month Time Deposit CD - Monthly
1.45%	$1k	-	42 Month Time Deposit CD - Quarterly
1.30%	$1k	$100k	30 Month Time Deposit CD - Monthly
1.29%	$1k	$100k	30 Month Time Deposit CD - Quarterly
1.16%	$1k	$100k	60 Month Time Deposit CD - Monthly
1.16%	$1k	$100k	60 Month Time Deposit CD - Quarterly
1.11%	$1k	-	18 Month Time Deposit CD - Monthly
1.11%	$1k	-	18 Month Time Deposit CD - Quarterly
1.05%	$1k	$100k	36 Month Time Deposit CD - Monthly
1.05%	$1k	$100k	36 Month Time Deposit CD - Quarterly
0.90%	$1k	-	24 Month Time Deposit CD - Monthly
0.90%	$1k	-	24 Month Time Deposit CD - Quarterly
0.65%	$1k	-	12 Month Time Deposit CD - Monthly
0.65%	$1k	-	12 Month Time Deposit CD - Quarterly
0.50%	$1k	$100k	9 Month Time Deposit CD - Monthly
0.50%	$1k	$100k	9 Month Time Deposit CD - Quarterly
0.40%	$1k	-	6 Month Time Deposit CD - Monthly
0.40%	$1k	-	6 Month Time Deposit CD - Quarterly
0.10%	$1k	-	1 Month Time Deposit CD - Monthly
0.10%	$1k	$100k	3 Month Time Deposit CD - Monthly

First State Bank and Trust Company, Inc. IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.75%	$1k	$100k	60 Month IRA - Monthly
1.74%	$1k	$100k	60 Month IRA - Quarterly
1.55%	$1k	$100k	48 Month IRA - Monthly
1.54%	$1k	$100k	48 Month IRA - Quarterly
1.35%	$1k	$100k	36 Month IRA - Monthly
1.34%	$1k	$100k	36 Month IRA - Quarterly
0.90%	$1k	-	18 Month IRA - Monthly
0.90%	$1k	-	24 Month IRA - Monthly
0.90%	$1k	-	18 Month IRA - Quarterly
0.90%	$1k	-	24 Month IRA - Quarterly
0.65%	$1k	-	12 Month IRA - Monthly
0.65%	$1k	-	12 Month IRA - Quarterly
0.40%	$1k	-	6 Month IRA - Monthly
0.40%	$1k	-	6 Month IRA - Quarterly
0.10%	$100k	-	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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