FIRST STATE B&T CO INC — NPL Explorer

Total Assets

$644M

—

Total Loans

$468M

—

Texas Ratio

25.3%

+3.7

Non-Performing Loans %

4.1%

+0.6

FIRST STATE B&T CO INC in MO reported a Texas Ratio of 25.3% in Q1 2026, up +3.7pp from the prior quarter. Nonperforming assets rose to 4.09%, an increase of +0.59pp.

Portfolio composition

Category	Balance	% of total	NPL %	Charge-off %
Real estate (all)	—	—	—	—
Commercial real estate	—	—	—	—
Construction & land	—	—	—	—
FOUNDATION Multifamily — Unlock to view
FOUNDATION Non-residential CRE — Unlock to view
FOUNDATION Residential real estate — Unlock to view
FOUNDATION Commercial & industrial — Unlock to view
FOUNDATION Consumer — Unlock to view
FOUNDATION Other loans — Unlock to view
FOUNDATION 1-4 family — 1st lien — Unlock to view
FOUNDATION 1-4 family — junior lien — Unlock to view
FOUNDATION 1-4 family — HELOC — Unlock to view
FOUNDATION Multifamily — Unlock to view
FOUNDATION CRE — owner-occupied — Unlock to view
FOUNDATION CRE — non-owner-occupied — Unlock to view
FOUNDATION Construction — 1-4 family — Unlock to view
FOUNDATION Construction — other — Unlock to view
FOUNDATION Commercial & industrial — Unlock to view
FOUNDATION Consumer — Unlock to view

FOUNDATION

20-quarter trend panels

See how Texas Ratio, NPL %, and charge-offs evolved across the last 5 years.

FOUNDATION

Peer cohort comparison

Benchmark against banks in the same size and geography cohort.

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Full portfolio composition

Every loan category, NPL ratio, and charge-off rate — beyond the top 3.

Missouri mortgage-note market & lender distress →

Senath State BankSenath, MO · Aug 1, 2026 · Merger
Inherited NPL volume
$767K
Inherited NPL %
1.44%
Total loans inherited
$53M
Total assets inherited
$102M
YTD charge-offs (at close)
$19K
Last filing
Mar 31, 2026