First State B&T Co Inc (FDIC #14185): Bank Stress & Real-Estate Credit Exposure
First State B&T Co Inc (FDIC Cert #14185): bank stress 49/100, moderate, STABLE over 7 days; parent FIRST ST BCORP COMBINED RETIREMENT BENEFIT PLAN.
First State B&T Co Inc (#14185) lends in 5 counties across 1 state; First State B&T Co Inc (#14185) reaches 53 ZIP codes: Missouri 5 counties, 53 ZIPs.
First State B&T Co Inc (#14185) largest markets: New Madrid County, MO (34 branches, 17 ZIPs) (#14185), Pemiscot County, MO (28 branches, 14 ZIPs) (#14185), Scott County, MO (14 branches, 14 ZIPs) (#14185), Stoddard County, MO (14 branches, 14 ZIPs) (#14185), Mississippi County, MO (6 branches, 6 ZIPs) (#14185).
First State B&T Co Inc (#14185) reports $659.0 million in total assets; First State B&T Co Inc (#14185) equity $73.5 million (11.2% of First State B&T Co Inc (#14185) assets); First State B&T Co Inc (#14185) domestic deposits $558.7 million; First State B&T Co Inc (#14185) net income $6.0 million; First State B&T Co Inc (#14185) return on assets 1.85%; First State B&T Co Inc (#14185) return on equity 16.98%; First State B&T Co Inc (#14185) net interest income $13.4 million; First State B&T Co Inc (#14185) call report June 30, 2026.
First State B&T Co Inc (#14185) noncurrent real-estate loans: none reported; First State B&T Co Inc (#14185) net charge-offs on real estate 5.68%; First State B&T Co Inc (#14185) residential charge-offs 11.41%.
First State B&T Co Inc (#14185) net interest margin 4.50% against an eight-quarter First State B&T Co Inc (#14185) average of 4.43% (First State B&T Co Inc (#14185) compression -0.07 points); First State B&T Co Inc (#14185) real-estate loans 0.3% of equity; First State B&T Co Inc (#14185) non-residential real estate 1141.4% of equity; First State B&T Co Inc (#14185) rate-exposure score 40/100, First State B&T Co Inc (#14185) fixed-rate trap 40/100; First State B&T Co Inc (#14185) risk type credit driven; First State B&T Co Inc (#14185) rate regime rates elevated, First State B&T Co Inc (#14185) snapshot October 19, 2026.
First State B&T Co Inc (#14185) stress score moved from 50.9 on June 22, 2026 to 49.5 on October 19, 2026; First State B&T Co Inc (#14185) ranged 49.5 to 50.9 over 116 snapshots.
First State B&T Co Inc (#14185) alerts: 5 counties; top First State B&T Co Inc (#14185) alert scores: Charleston County, MO 18 (low); Dexter County, MO 18 (low); Hayti County, MO 18 (low); Portageville County, MO 18 (low); Sikeston County, MO 18 (low).