First State Bank of St. Charles, Missouri
St. Charles, MO
IDRSSD: 345756
Total Assets
$551.61M
Latest filing
Total Deposits
$407.11M
Latest filing
Net Interest Margin
4.08%
Profitability
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 05/10/1867 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 63301 |
| State and County Number | 29183 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 08 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | St. Louis, MO-IL |
Operational Info
| Number of Employees | 178 |
| Domestic Offices | 9 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.fsbfinancial.com |
| Data Updated | 11/14/2025 |
| CERT | 12219 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $551.61M |
| Total Deposits | $407.11M |
| Total Liabilities | $467.21M |
| Total Equity Capital | $84.41M |
| Net Income | $2.13M |
| Net Loans and Leases | $429.01M |
| Assets Per Employee ($Millions) | $3.1M |
| Bank Premises and Fixed Assets | $8.15M |
| Cash and Balances due from Depository Institutions | $33.61M |
| Deposits Held in Domestic Offices | $407.11M |
Key Performance Ratios
| Return on Assets (ROA) | 1.54% |
| Return on Equity (ROE) | 10.22% |
| Net Interest Margin | 4.08% |
| Efficiency Ratio | 75.72% |
| Tier 1 Risk-Based Capital Ratio | 16.296% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 15.301% |
| Earning Assets to total Assets | 89.28% |
Income and Expense
| Total Interest Income | $7.49M |
| Total Noninterest Income | $6.36M |
| Total Interest Expense | $2.49M |
| Total Noninterest Expense | $8.60M |
| Net Interest Income | $5.00M |
| Pre-tax Net Operating Income | $2.76M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $55.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $551.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $5.10M |
| Total Liabilities and Capital | $551.61M |
Securities
| Securities | $33.29M |
| Available-for-sale debt securities | $33.29M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First State Bank of St. Charles, Missouri?
$551.61M as of the latest filing.
How much are First State Bank of St. Charles, Missouri's total deposits?
$407.11M in total deposits.
Where is First State Bank of St. Charles, Missouri located?
St. Charles, MO.
What is the Net Interest Margin?
4.08%.
How many domestic offices does it operate?
9.
When was it established?
05/10/1867.
What is the Return on Assets (ROA)?
1.54%.
How much are total loans and leases?
$429.01M (latest filing).
What is the total interest income (latest filing)?
$7.49M.