1st Advantage Bank
BankRegReports is independent of 1st Advantage Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
1st Advantage Bank is an FDIC-insured commercial bank headquartered in Saint Peters, MO, established in 2005 (FDIC certificate 57899), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $212.0M, up 5.5% from Q2 2025, the 120th largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.88% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57899
- Headquarters
- Saint Peters, MO
- Established
- 2005
- Total assets, Q2 2026
- $212.0M
- Assets vs Q2 2025
- +5.5%
- Tier 1 leverage ratio, Q2 2026
- 9.88%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 081019120
- Latest call report
- Q2 2026, FFIEC 051 · 1st Advantage Bank call report
- Holding company
- 1ST ADVANTAGE BANCSHARES, INC.
- Asset rank in state
- 120th of 191 in Missouri
1st Advantage Bank leans heavily on commercial real estate. Its balance sheet stood at $212 million at June 30, 2026, up 5.5% from a year earlier; it is based in Saint Peters, Missouri. It holds commercial real estate loans worth 3.0 times its capital, 2.5 times the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also shrank its loan book 6.4% over the year, lower than about 9 in 10 banks its size (median 5.5%).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.14% of loans from 1.29%. Loans and deposits moved in opposite directions: over the year loans fell 6.4% and deposits rose 11.7%.
As of June 30, 2026, 1st Advantage Bank reported a return on assets of 1.09%, a nonperforming-loan ratio of 0.14% and a Texas ratio of 1.02%. The figures come from its call report filed with the FFIEC.
1st Advantage Bank ranks as the 120th largest of the 191 banks based in Missouri, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.9% to $212.0M, loans fell 5.0% and deposits rose 3.0%. The largest part of its loan book on June 30, 2026 was owner-occupied commercial real estate loans, at 34.0% of total loans, ahead of non-owner-occupied commercial real estate loans at 33.3%. The FDIC Summary of Deposits lists a single office for it, in Saint Peters, MO. Judged on its Q2 2026 call report, 1st Advantage Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 240 Salt Lick Rd, Saint Peters, MO 63376
- County
- St. Charles
- Metro Area
- St. Louis, MO-IL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 31, 2005
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 26
- Domestic deposits
- $190.9M
- Allowance for credit losses
- $2.1M
- Net charge-offs (YTD)
- $75K
- Average total assets
- $203.5M
- Average total loans
- $169.3M
- Average interest-bearing deposits
- $135.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 31, 2005
- FDIC Cert
- 57899
- Fed RSSD
- 3317192
- Website
- www.1stadvantagebank.com →
- Parent Holding Company
- 1ST ADVANTAGE BANCSHARES, INC. (RSSD 3370517)
- Ultimate Parent
- BANC INVESTORS, LLC (RSSD 4526496)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, 1st Advantage Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, 1st Advantage Bank's total assets ranged from $152.2M (Q4 2023) to $215.6M (Q4 2025), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$212.0M total assets against $201.0M; $191.9M total liabilities against $182.6M.
$162.2M net loans and leases against $172.4M; $190.9M total deposits against $171.0M.
$5.9M securities against $825K; $39.3M cash and balances due against $22.6M.
$2.9M total interest income against $2.8M; $1.0M total interest expense against $1.1M.
$1.9M net interest income against $1.7M.
$90K total noninterest income against $83K; $1.3M total noninterest expense against $1.2M.
-$27K provision for credit losses against $759K.
$552K net income against -$127K.
1.09% return on assets against -0.27%; 3.87% net interest margin against 3.79%.
9.88% tier 1 leverage ratio against 9.77%.
Inside the full 1st Advantage Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
1st Advantage Bank rankings
Its closest position to the top of a national ranking is 2,315 of 3,611, for ROA; its furthest is 2,664 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.27% (Q2 2025) to 1.23% (Q3 2024) and its net interest margin ran from 3.61% (Q3 2025) to 3.87% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.88% | 1.09% | 0.14% | 1.02% | 3.87% |
| Q1 2026 | 9.31% | 1.05% | 0.05% | 0.39% | 3.62% |
| Q4 2025 | 8.99% | 0.19% | 0.33% | 2.75% | 3.70% |
| Q3 2025 | 9.11% | 0.73% | 1.30% | 10.22% | 3.61% |
| Q2 2025 | 9.77% | -0.27% | 1.29% | 10.51% | 3.79% |
| Q1 2025 | 10.06% | 0.35% | 1.31% | 10.01% | 3.64% |
| Q4 2024 | 9.89% | 1.06% | 0.00% | 0.00% | 3.75% |
| Q3 2024 | 10.52% | 1.23% | 0.00% | 0.00% | 3.81% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| 1st Advantage Bank (main office) | Saint Peters , MO | 63376 | $190.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MO, rank 146 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $561K approved, $280K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2018 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows 1st Advantage Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about 1st Advantage Bank
What are 1st Advantage Bank's total assets?
As of the Q2 2026 filing, 1st Advantage Bank reported total assets of $212.0 million in its FFIEC call report.
Where is 1st Advantage Bank headquartered?
It is headquartered in Saint Peters, MO, United States.
When was 1st Advantage Bank founded?
It was established in 2005, per the FDIC institution directory.
Is 1st Advantage Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57899). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates 1st Advantage Bank?
1st Advantage Bank's primary federal regulator is the FDIC.
How many branches does 1st Advantage Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is 1st Advantage Bank's Texas Ratio?
Its Texas Ratio is 1.02% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on 1st Advantage Bank.
Get an email when 1st Advantage Bank files its next call report, and benchmark it against any peer you choose.
Unlock 1st Advantage Bank, freeFree account