First State Bank and Trust Company, Inc.

First State Bank and Trust Company, Inc. is a community bank headquartered in Caruthersville, Missouri, founded in 1934. It operates multiple branches across Southeast Missouri, including Sikeston, Dexter, Charleston, Hayti, Portageville, and Matthews. As a certified community development bank, it emphasizes local decision-making and has a particular focus on agricultural lending alongside its broader commercial portfolio. For small-business borrowers in the region, First State Bank offers lines of credit, term loans, commercial real estate financing, construction finance, and equipment finance. Its deep roots in rural Southeast Missouri suggest it may be well suited for agricultural businesses and locally owned operations that prefer working with a banker who knows the regional economy. Specific rates, fees, and eligibility requirements are not publicly disclosed, so prospective borrowers should contact the bank directly to discuss terms.