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First State Community Bank
Farmington, MO·FDIC Cert #17323·Charter: STATE·Est. 19540511.0·HC: FIRST STATE BANCSHARES INC
Total Assets
$4.5B
Q4 2025
Return on Assets
1.74%
-0.01%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
51.04%
Peer avg: 57.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
61
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.74%-0.01
ROE
14.78%-0.23
Efficiency
51.04%-0.06
Equity/Assets
0.00%+0.00
NPL Ratio
0.59%+0.00
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
88.68%-2.34
Charge-offs
0.08%-0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.5 | 1.5 | 1.5 | 1.6 | 1.7 | 1.7 | 1.8 | 1.7 |
| ROE | 13.7 | 13.7 | 13.8 | 14.0 | 15.0 | 15.1 | 15.0 | 14.8 |
| Efficiency | 55.5 | 55.6 | 55.1 | 54.4 | 50.6 | 51.1 | 51.1 | 51.0 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.5 | 0.4 | 0.4 | 0.3 | 0.4 | 0.5 | 0.6 | 0.6 |
| Charge-offs | 0.0 | 0.1 | 0.1 | 0.1 | 0.0 | 0.0 | 0.1 | 0.1 |
| Loan/Deposit | 86.1 | 87.3 | 88.7 | 87.1 | 88.0 | 89.4 | 91.0 | 88.7 |
Balance Sheet
Total Assets$4.5B
Total Deposits$3.7B
Total Loans$3.3B
Total Equity$543.3M
Profitability
ROA1.74%
ROE14.78%
Efficiency Ratio51.04%
Net Income$74.8M
Risk & Asset Quality
NPL Ratio0.59%
Charge-off Rate0.08%
Loan/Deposit88.68%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans