First State B&T Co INC
Caruthersville, Missouri · FDIC Cert #14185
First State B&T Co INC is an FDIC-insured bank (Certificate #14185) with $595M in total assets and $505M in total deposits as of the Q2 2024 Call Report. Headquartered in Caruthersville, Missouri, the bank maintains a Tier 1 capital ratio of 0.00% (Critically Undercapitalized) and a nonperforming loan ratio of 1.38%. BankHealthData assigns a composite Health Grade of D (49/100). 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.
Tier 1 capital ratio is not disclosed in the most recent Call Report — unusual but possible for new institutions or those filing under specific regulatory exemptions. 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 declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. First State B&T Co INC carries a composite BankHealth grade of D (49/100) 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
- 0.00%
- Capital Status
- Critically Undercapitalized
- Nonperforming Loans
- 1.38%
- Liquidity Ratio
- 22.45%
- Return on Assets
- 1.98%
- Headquarters
- Caruthersville, Missouri
- FDIC Certificate
- #14185
- Health Grade
- D (49/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, First State B&T Co INC holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject First State B&T Co INC to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
First State B&T Co INC shows some financial weakness with a Health Score of 49/100. This does not mean the bank will fail, but some financial indicators are below average. Your FDIC-insured deposits (up to $250,000) are fully protected by the US government.
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 49 is 18 points below the Missouri state average of 67 across 193 FDIC-insured banks. Its 0.00% Tier 1 capital ratio is 14.0 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 1384 similarly-sized banks, the average Health Score is 70, meaning this bank ranks below its size cohort. Site-wide, First State B&T Co INC is 21 points below the portfolio average of 70.
Frequently Asked Questions
First State B&T Co INC has a Bank Health Score of D (49/100), placing it showing signs of financial stress. It holds a Tier 1 capital ratio of 0.00%, which is below 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 0.00% and nonperforming loan ratio of 1.38% indicate an elevated 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 has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." 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 D grade on our Bank Health Score means 40-54/100 — multiple metrics showing stress; worth monitoring. 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 shows financial stress on one or more metrics. While insured deposits remain protected up to $250K per depositor per ownership category, depositors with higher balances may want to spread funds across additional FDIC-insured institutions. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.