Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank holding company |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 20 Dec 2022 |
| RSSD ID | 1098705 |
| Address | 100 West Third Street, Caruthersville, MO 63830 Directions (Google Maps) |
| Website | Not given on the official list (listed as “Non given”) |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Not yet verifiedWe have not yet read this lender's website, so we can't list its loan products, sizes or service area. That doesn't mean it lacks them. The official list gives no website for this lender; contact it at the address above.
Questions to ask when you contact them
We have no details from their website yet, so these are the basics to ask any lender. Something missing here does not mean they don't offer it: ask.
- What kinds of loans do you make, and which one fits what I need?
We have no loan details from their website. - Do you lend where I live, or where my business is?
- What are the smallest and the largest loans you make?
- What interest rate and fees should I expect? For a personal, car or home loan, ask for the APR.
- What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$125,000 in 1 award from the U.S. Treasury's CDFI Fund, 2022 (CDFI Program, Technical Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Program, Technical Assistance | $125,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026Subsidiary bank on file with the FDIC: First State Bank and Trust Company, Inc. (FDIC cert 14185, total assets $659 million). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $659 million (as of 30 Jun 2026) |
|---|---|
| Offices | 10 (as of 30 Oct 2026) |
Offices by state and county (10)
Missouri (10 offices)
- Dunklin County (3): 202 Ne Frisco St, Arbyrd 63821; 1112 1st St, Kennett 63857; 117 E Commercial St, Senath 63876
- Mississippi County (1): 501 S Main St, Charleston 63834
- New Madrid County (2): 100 W Main St, Matthews 63867; 301 E 3rd St, Portageville 63873
- Pemiscot County (2): 100 W 3rd St, Caruthersville 63830 (main office); 805 E Washington St, Hayti 63851
- Scott County (1): 750 S Main St, Sikeston 63801
- Stoddard County (1): 710 Us 60 Business Highway West, Dexter 63841
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026A bank holding company files no Call Report of its own. These figures are from its subsidiary bank, First State Bank and Trust Company, Inc. (RSSD 489548, FDIC cert 14185), the only active bank the FDIC lists under this holding company. Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $487.7 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 9.8% from $444 million on 30 Jun 2025 |
| Total assets | $659 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $57.9 million | 11.9% |
| Home equity lines of credit | $2.2 million | 0.5% |
| Commercial real estate, construction and multifamily | $152.7 million | 31.3% |
| Commercial and industrial (business) loans | $80.9 million | 16.6% |
| Farmland and farm production loans | $168.4 million | 34.5% |
| Consumer loans (credit cards, auto, other) | $10.9 million | 2.2% |
| All other loans and leases | $14.7 million | 3.0% |
Within consumer loans: auto loans $4.7 million, credit cards $549,000.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 55 loans $2 million | 343 loans $6.6 million |
| $100,001 to $250,000 | 37 loans $3.9 million | 35 loans $3 million |
| $250,001 to $1 million | 34 loans $13.2 million | 62 loans $22.2 million |
| All small business loans | 126 loans $19.1 million | 440 loans $31.8 million |
Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)
| Original loan amount | Secured by farmland | Farm production |
|---|---|---|
| Up to $100,000 | 25 loans $842,000 | 65 loans $1.5 million |
| $100,001 to $250,000 | 41 loans $4.4 million | 47 loans $4 million |
| $250,001 to $500,000 | 56 loans $19.4 million | 47 loans $16.6 million |
| All small farm loans | 122 loans $24.6 million | 159 loans $22.1 million |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $659 million | Larger than 60% of the 10 other certified banks and bank holding companies in Missouri (median $410.2 million). |
| Loans as a share of assets | 74% | Median of the same 10 banks and bank holding companies: 79%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $444 million → $487.7 million (+10%) | Median change of 10 other certified banks and bank holding companies in Missouri: +9%. Rank by loans held among these 11: 4 → 4. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified banks and bank holding companies in Missouri | 10 | larger than 60% |
| Loans held then vs now | certified banks and bank holding companies in Missouri reporting both dates | 10 | rank 4 → 4 of 11 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
Other certified CDFIs in Caruthersville and Missouri
- First State Bank & Trust Company, Inc.Bank or thrift · Caruthersville, MOAgriculture / farm loans, Auto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- Alltru Federal Credit UnionCredit union · Wentzville, MOAuto / vehicle loans, Credit-builder loans, Home repair / improvement loans, Home mortgages…Verified
- AltCapLoan fund · North Kansas City, MOMicroloans, Small-business loansVerified
- Central Bancshares Of Kansas City, Inc.Bank holding company · Kansas City, MOCommercial real estate loans, Equipment loans, Affordable housing development loans, Small-business loansVerified
- Central Bank of Kansas CityBank or thrift · Kansas City, MOCommercial real estate loans, Equipment loans, Affordable housing development loans, Small-business loansVerified
- Century Bank of the OzarksBank or thrift · Gainesville, MOAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
Work at First State Bancorp, Inc.? Link to this page
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