First State B&T Co INC
Caruthersville, Missouri · FDIC Cert #14185
This is the FDIC profile for First State B&T Co INC, an FDIC-insured bank (Certificate #14185) with $595M in total assets and $505M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Caruthersville, Missouri, the bank maintains a Tier 1 capital ratio of 12.88% (Well-Capitalized) and a nonperforming loan ratio of 1.38%. BankHealthData assigns a composite Health Grade of B (78/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
First State B&T Co INC (FDIC cert 14185) is a community bank — $595M in total assets, $505M in deposits, serving the Caruthersville, Missouri area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 12.88% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 1.38% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is in the normal range: 22.5% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is strong: return on assets of 1.98% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. First State B&T Co INC carries a composite BankHealth grade of B (78/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: First State B&T Co INC
- Total Assets
- $595M
- Total Deposits
- $505M
- Tier 1 Capital Ratio
- 12.88%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.38%
- Liquidity Ratio
- 22.45%
- Return on Assets
- 1.98%
- Headquarters
- Caruthersville, Missouri
- FDIC Certificate
- #14185
- Health Grade
- B (78/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
First State B&T Co INC files quarterly Call Reports with the FDIC under Certificate #14185. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, First State B&T Co INC holds a Tier 1 capital ratio of 12.88%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning First State B&T Co INC has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
First State B&T Co INC shows strong financial health indicators. With $595M in assets and a Health Score of 78/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How First State B&T Co INC Compares
First State B&T Co INC’s Health Score of 78 is 1 points below the Missouri state average of 79 across 193 FDIC-insured banks. Its 12.88% Tier 1 capital ratio is 1.1 points below the US banking industry average near 14%. The 1.38% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.98% is in line with or above the national ROA benchmark of ~1.1%. Among 1385 similarly-sized banks, the average Health Score is 79, meaning this bank ranks below its size cohort. Site-wide, First State B&T Co INC is 2 points below the portfolio average of 80.
Frequently Asked Questions
First State B&T Co INC has a Bank Health Score of B (78/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 12.88%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. First State B&T Co INC's Tier 1 capital ratio of 12.88% and nonperforming loan ratio of 1.38% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at First State B&T Co INC is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #14185). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
First State B&T Co INC holds $595M in total assets and $505M in total deposits. It is headquartered in Caruthersville, Missouri (FDIC Certificate #14185).
First State B&T Co INC's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #14185 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
First State B&T Co INC has a Tier 1 capital ratio of 12.88%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.38%, and the return on assets is 1.98%.
Yes. First State B&T Co INC is FDIC-insured (Certificate #14185). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
First State B&T Co INC's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.