At a glance
From its website, read 2 Nov 2026First State Bank & Trust Company, Inc. is a bank or thrift based in Caruthersville, Missouri. Its website describes farm loans, auto loans, home mortgages and 1 other loan type. Where it lends: Southeast Missouri, including Caruthersville, Sikeston, Dexter and nearby Bootheel communities. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Apply online | Page with the application link |
|---|---|
| Website | www.fsbtrust.com |
| Office (official list) | 100 West Third Street, Caruthersville, MO 63830 |
What their website says about applying
Simply fill out the contact form or call your local branch to schedule a lending appointment.
sourceClick here for a home loan application.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 20 Dec 2022 |
| RSSD ID | 489548 |
| Address | 100 West Third Street, Caruthersville, MO 63830 Directions (Google Maps) |
| Website | www.fsbtrust.com |
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
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Loan amounts, terms and eligibility rules are not stated on the pages fetched. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Agriculture / farm loans | — | Agricultural Lending | source |
| Auto / vehicle loans | — | Finance new or used vehicles, from everyday commuters to recreational and commercial vehicles. | source |
| Home mortgages | — | Home Purchase Mortgages | source |
| Personal / consumer loans | — | Our personal loans are perfect for life | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Southeast Missouri, including Caruthersville, Sikeston, Dexter and nearby Bootheel communities
Serving Caruthersville • Sikeston • Dexter • Charleston • Hayti • Portageville • Matthews • Arbyrd • Kennett • Senath
source
Counties this matches: Pemiscot County, MO, Scott County, MO, Stoddard County, MO
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Save time by completing our online loan application prior to meeting with a loan officer.
source
Pages read (7)
- https://www.fsbtrust.com/
- https://www.fsbtrust.com/personal/home-loans
- https://www.fsbtrust.com/personal/auto-loans
- https://www.fsbtrust.com/personal/credit-cards
- https://www.fsbtrust.com/credit-card-business-cash-back-rewards-apply
- https://www.fsbtrust.com/personal/personal-loans
- https://www.fsbtrust.com/personal/your-lending-options
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home mortgages?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your farm loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - How long can I take to repay?
No repayment terms are stated on their website. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
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$717,719 in 2 awards from the U.S. Treasury's CDFI Fund, 2023–2024 (Bank Enterprise Award Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Bank Enterprise Award Program | $280,369 |
| 2023 | Bank Enterprise Award Program | $437,350 |
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 2026On file with the FDIC as First State Bank and Trust Company, Inc. (FDIC cert 14185). 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 2026Figures from the Call Report filed by First State Bank and Trust Company, Inc. (RSSD 489548, FDIC cert 14185). 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).
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 2 SBA-backed approvals for First State Bank & Trust Company, Inc. in fiscal years 2020–2026 (October 2019 to September 2026):
- 2 7(a) loans as the lender
By fiscal year: FY2020 1 · FY2021 0 · FY2022 0 · FY2023 0 · FY2024 1 · FY2025 0 · FY2026 0.
By program
- 7(a) standard (2, 100%)
How this lender was matched in the SBA files: FDIC cert 14185, found through the RSSD ID on the CDFI Fund list (SBA lists “First State Bank and Trust Company Inc”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. First State Bank & Trust Company, Inc. may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Caruthersville and Missouri
- First State Bancorp, Inc.Bank holding company · Caruthersville, MOOfficial list only
- 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 Bank & Trust Company, Inc.? Link to this page
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