Bank · FDIC insured
First State Bank & Trust Co., Inc.
A $659M bank headquartered in Caruthersville, MO, with 10 branches in Missouri.
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First State Bank & Trust Co., Inc.
Established in 1934 as First State Bank of Caruthersville, First State Bank & Trust Co., Inc. later grew through mergers with Farmers Bank of Portageville and Bank of Hayti.
The bank expanded across Southeast Missouri through acquisitions and new locations, serving ten communities including Caruthersville, Sikeston, Dexter, Hayti, Portageville, Charleston, Arbyrd, Kennett, Senath, and Matthews.
Locally owned by First State Bancorp, Inc. with significant employee ownership through an ESOP, the bank offers personal banking, home loans, business services, and agricultural lending.
- Headquarters
- 100 W 3rd St, Caruthersville, MO 63830
- FDIC certificate
- 14185 ↗
Branches
10 branches in Missouri
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Missouri
10 branches
Caruthersville area · 1
- First State Bank and Trust Company, Inc.Main office100 W 3rd St, Caruthersville, MO 63830Directions
Arbyrd area · 1
- Drive-In Branch202 Ne Frisco St, Arbyrd, MO 63821Directions
Charleston area · 1
- Mississippi County Branch501 S Main St, Charleston, MO 63834Directions
Dexter area · 1
- Dexter Branch710 Us 60 Business Highway West, Dexter, MO 63841Directions
Hayti area · 1
- Hayti Branch805 E Washington St, Hayti, MO 63851Directions
Kennett area · 1
- Kennett Branch1112 1st St, Kennett, MO 63857Directions
Matthews area · 1
- Matthews Branch100 W Main St, Matthews, MO 63867Directions
Portageville area · 1
- Portageville Branch301 E 3rd St, Portageville, MO 63873Directions
Senath area · 1
- Senath State Bank Branch117 E Commercial St, Senath, MO 63876Directions
Sikeston area · 1
- Sikeston Branch750 S Main St, Sikeston, MO 63801Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 12.57% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 4.76% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.85% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $87 | $81 | — |
- CapitalLeverage ratio12.57%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent4.76%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.85%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$87Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First State Bank & Trust Co., Inc. are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.