First State Bank of St. Charles, Missouri
St. Charles, MO
IDRSSD: 345756
Total Assets
$560.27M
Latest filing
Total Deposits
$423.22M
Latest filing
Net Interest Margin
4.20%
Profitability
Key People
Loading leadership data...
Locations
Main office and branches. Select to view on the map.
Main Office
First State Bank of St. Charles, Missouri
206 N 5th St
St. Charles, MO 63301
Full Service - Brick and Mortar
Updated 01/30/2026Established 05/10/1867FDIC Certificate 7764
Branches (8)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| First State Bank of St. Charles, Missouri (Main) | 206 N 5th St | St. Charles, MO |
| HWY 94 FACILITY | 1501 S Old Highway 94 | Saint Charles, MO |
| O'FALLON FACILITY | 300 Woodlawn Ave | O'Fallon, MO |
| LAKE ST. LOUIS FACILITY | 3461 Technology Dr | Lake Saint Louis, MO |
| FIRST STATE BANK OF ST. CHARLES LOAN ADMINISTRATION CENTER | 2850 W Clay St | Saint Charles, MO |
| CHESTERFIELD FACILITY | 17050 Baxter Rd | Chesterfield, MO |
| MORTGAGE BRANCH LEES SUMMIT | 1639 Ne Douglas St | Lees Summit, MO |
| FIRST STATE BANK MORTGAGE -OVERLAND PARK, KS | 6800 College Blvd | Leawood, KS |
Showing 7 of 8
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
Phelps County Bank
Rolla, Missouri
→
Assets: $561.82MΔ +1.9%
Regional Missouri Bank
Marceline, Missouri
→
Assets: $562.11MΔ +1.9%
Farmers Bank of Northern Missouri
Unionville, Missouri
→
Assets: $539.83MΔ -2.1%
United Bank of Union
Union, Missouri
→
Assets: $575.39MΔ +4.3%
Belgrade State Bank
Belgrade, Missouri
→
Assets: $519.64MΔ -5.8%
Legends Bank
Linn, Missouri
→
Assets: $593.14MΔ +7.5%
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 | 01/30/2026 |
| CERT | 12219 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $560.27M |
| Total Deposits | $423.22M |
| Total Liabilities | $474.13M |
| Total Equity Capital | $86.13M |
| Net Income | $2.21M |
| Net Loans and Leases | $437.55M |
| Assets Per Employee ($Millions) | $3.18M |
| Bank Premises and Fixed Assets | $8.13M |
| Cash and Balances due from Depository Institutions | $34.19M |
| Deposits Held in Domestic Offices | $423.22M |
Key Performance Ratios
| Return on Assets (ROA) | 1.59% |
| Return on Equity (ROE) | 10.36% |
| Net Interest Margin | 4.2% |
| Efficiency Ratio | 76.32% |
| Tier 1 Risk-Based Capital Ratio | 16.396% |
| 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 | 15.374% |
| Earning Assets to total Assets | 89.18% |
Income and Expense
| Total Interest Income | $7.76M |
| Total Noninterest Income | $6.91M |
| Total Interest Expense | $2.55M |
| Total Noninterest Expense | $9.24M |
| Net Interest Income | $5.21M |
| Pre-tax Net Operating Income | $2.87M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $236.00k |
| Other borrowed funds | $45.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $5.91M |
| Total Liabilities and Capital | $560.27M |
Securities
| Securities | $32.44M |
| Available-for-sale debt securities | $32.44M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$560.27M as of the latest filing.
How much are First State Bank of St. Charles, Missouri's total deposits?
$423.22M in total deposits.
Where is First State Bank of St. Charles, Missouri located?
St. Charles, MO.
What is the Net Interest Margin?
4.20%.
How many domestic offices does it operate?
9.
When was it established?
05/10/1867.
What is the Return on Assets (ROA)?
1.59%.
How much are total loans and leases?
$437.55M (latest filing).
What is the total interest income (latest filing)?
$7.76M.