🏦Bank Scorer

FIRST STATE BANK AND TRUST COMPANY, INC.

CARUTHERSVILLE, MO · Supervised by FDIC

Est. 1934FDIC #14,185RSSD: FDIC-14185
Part ofFIRST ST BCORP COMBINED RETIREMENT BENEFIT PLAN→ View all charters
Satisfactory Same

Current rating · Exam: January 2010

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.78%

Institution Profile

FDIC BankFind

Address

100 W 3rd St, CARUTHERSVILLE, MO

County

Pemiscot County

Established

April 2, 1934

Total Assets

$644M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

January 1, 2010

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 16 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$644M

Total Deposits

$542M

Net Loans

$462M

Net Income

$3M

ROA

1.78%

ROE

16.46%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

7

Branch Deposits

$527M

1-Year Change

0

5-year net change: +1 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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