BlastPoint's Banking Scorecard
First State Bank and Trust Company, Inc.
Community
Specialty: Agricultural
MO
FDIC cert 14185
Caruthersville, MO
1484
banks in Community tier nationally
62 in MO
View Community leaderboard (MO) →
First State Bank and Trust Company, Inc. faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 43% in Community
- - Margin Compression: Bottom 53% in Community
- - Delinquency Rate 2.92% above tier
- - Nonperforming Asset Ratio 2.03% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$642.0M
+4.2% YoY
+2.0% QoQ
|
-$749.5M |
$1.4B
+2.0% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
20% |
| Total Loans ? |
$455.7M
+4.1% YoY
+1.3% QoQ
|
-$519.8M |
$975.5M
+2.4% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
23% |
| Total Deposits ? |
$556.5M
+6.1% YoY
+1.7% QoQ
|
-$608.1M |
$1.2B
+1.7% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
22% |
| Return on Assets ? |
1.71%
-11.0% YoY
+5.8% QoQ
|
+0.55% |
1.16%
+17.2% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
84% |
| Net Interest Margin ? |
4.49%
+5.0% YoY
+1.0% QoQ
|
+0.83% |
3.66%
+9.1% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Top 13% in tier |
| Efficiency Ratio ? |
53.19%
+0.3% YoY
+0.7% QoQ
|
-9.44% |
62.63%
-5.3% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
77% |
| Delinquency Rate ? |
3.55%
+155.5% YoY
+90.3% QoQ
|
+2.92% |
0.63%
+18.3% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
81.89%
-2.0% YoY
-0.4% QoQ
|
-1.17% |
83.06%
+0.3% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
58% |
| Non-Interest-Bearing Deposit Share ? |
16.18%
+11.8% YoY
+23.4% QoQ
|
-4.87% |
21.05%
-0.9% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
31% |
| Nonperforming Asset Ratio ? |
2.52%
+149.7% YoY
+88.7% QoQ
|
+2.03% |
0.50%
+20.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.55%
-5.7% YoY
+30.1% QoQ
|
-0.19% |
0.74%
-1.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
55% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Capital Thin
risk
#185 of 432 · Bottom 43% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
Margin Compression
decline
#64 of 120 · Bottom 53% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
1.71%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
|
QoQ rank declining
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
3.55%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
2.52%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
87
87th pctile
Net Interest Margin
Current: 4.49% · Tier avg: 3.66%
84
84th pctile
Return on Assets
Current: 1.71% · Tier avg: 1.16%
77
77th pctile
Efficiency Ratio
Current: 53.19% · Tier avg: 62.63%
58
58th pctile
Loan-to-Deposit Ratio
Current: 81.89% · Tier avg: 83.06%
55
55th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 0.74%
31
31th pctile
Non-Interest-Bearing Deposit Share
Current: 16.18% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
23
23th pctile
Total Loans
Current: $455.7M · Tier avg: $975.5M
22
22th pctile
Total Deposits
Current: $556.5M · Tier avg: $1.2B
20
20th pctile
Total Assets
Current: $642.0M · Tier avg: $1.4B
0
0th pctile
Delinquency Rate
Current: 3.55% · Tier avg: 0.63%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.52% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.52% · Tier avg: 0.50%
0
0th pctile
Delinquency Rate
Current: 3.55% · Tier avg: 0.63%
20
20th pctile
Total Assets
Current: $642.0M · Tier avg: $1.4B
22
22th pctile
Total Deposits
Current: $556.5M · Tier avg: $1.2B
23
23th pctile
Total Loans
Current: $455.7M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
31
31th pctile
Non-Interest-Bearing Deposit Share
Current: 16.18% · Tier avg: 21.05%
55
55th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 0.74%
58
58th pctile
Loan-to-Deposit Ratio
Current: 81.89% · Tier avg: 83.06%
77
77th pctile
Efficiency Ratio
Current: 53.19% · Tier avg: 62.63%
84
84th pctile
Return on Assets
Current: 1.71% · Tier avg: 1.16%
87
87th pctile
Net Interest Margin
Current: 4.49% · Tier avg: 3.66%