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 73^rd largest bank in the state of Missouri. It is also the 1,832^nd largest bank in the nation. It was established in 1934 and as of June of 2020, it had grown to 83 employees at 6 locations. First State Bank and Trust Company, Inc. has an A+ health rating.

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Health

A+

Data as of Q2 2020

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Health Grade Components

Overall
FDIC Certificate #	14185
Year Established	1934
Employees	83
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	1.6%
Return on Equity - YTD	12.63%
Annual Interest Income	$8.4MM

Assets and Liabilities
Assets	Q2 2020vs Q2 2019	$425.1MM$375.3MM
Loans	Q2 2020vs Q2 2019	$286.1MM$268.3MM
Deposits	Q2 2020vs Q2 2019	$350.4MM$320.2MM
Equity Capital	Q2 2020vs Q2 2019	$50.9MM$47.6MM
Loan Loss Allowance	Q2 2020vs Q2 2019	$3.3MM$3.4MM
Unbacked Noncurrent Loans	Q2 2020vs Q2 2019	$416.00K$410.00K
Real Estate Owned	Q2 2020vs Q2 2019	$290.00K$26.00K

Rates

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Money Market
Checking
CD
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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
0.10%	-	-	Statement Savings Account
0.10%	-	-	Health Savings Account
0.10%	-	-	Christmas Club Account

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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.28%^*	$25k^*	-	Money Market Demand Account
OTHER TIERS: 0.15% → Up to $25k

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

APY	MIN	MAX	ACCOUNT NAME
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

First State Bank and Trust Company, Inc. CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.65%	$1k	-	6 Month Time Deposit CD - Monthly
0.65%	$1k	-	12 Month Time Deposit CD - Monthly
0.65%	$1k	-	18 Month Time Deposit CD - Monthly
0.65%	$1k	-	24 Month Time Deposit CD - Monthly
0.65%	$1k	-	9 Month Time Deposit CD - Monthly
0.65%	$1k	-	30 Month Time Deposit CD - Monthly
0.65%	$1k	-	36 Month Time Deposit CD - Monthly
0.65%	$1k	-	60 Month Time Deposit CD - Monthly
0.65%	$1k	-	42 Month Time Deposit CD - Monthly
0.10%	$1k	-	3 Month Time Deposit CD - Monthly
0.05%	$1k	-	1 Month Time Deposit CD - Monthly

First State Bank and Trust Company, Inc. IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.65%	$1k	-	6 Month IRA - Monthly
0.65%	$1k	-	12 Month IRA - Monthly
0.65%	$1k	-	18 Month IRA - Monthly
0.65%	$1k	-	24 Month IRA - Monthly
0.65%	$1k	-	36 Month IRA - Monthly
0.65%	$1k	-	48 Month IRA - Monthly
0.65%	$1k	-	60 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
Mississippi County Branch	501 S Main St	Charleston, MO 63834

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