FIRST STATE BANK OF ST. CHARLES, MISSOURI
FIRST STATE BANK OF ST. CHARLES, MISSOURI is an FDIC-insured commercial bank headquartered in SAINT CHARLES, MO, established in 1867. As of , the bank reported total assets of $560M and total deposits of $423M. Profitability stands at 1.59% ROA and 10.36% ROE, with a net interest margin of 4.02%. CET1 capital ratio: 16.40%, well above regulatory minimums. NPL ratio: 0.48% · Texas Ratio: 2.57%. Operates 6 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Loans outstanding exceed total deposits — the bank is funding the gap with wholesale sources (FHLB advances, brokered deposits, repo) that are more rate-sensitive and can dry up in a stress scenario.
First State Bank of ST. Charles, Missouri rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 16.40% | 1.59% | 0.48% | 2.57% | 4.02% |
| 2025-09-30 | 16.30% | 1.54% | 0.68% | 3.24% | 4.00% |
| 2025-06-30 | 15.98% | 1.36% | 0.84% | 4.20% | 3.90% |
| 2025-03-31 | 16.03% | 0.74% | 0.48% | 2.43% | 3.70% |
| 2024-12-31 | 16.24% | 1.29% | 0.34% | 1.75% | 3.82% |
| 2024-09-30 | 15.95% | 1.39% | 0.26% | 1.41% | 3.74% |
| 2024-06-30 | 15.66% | 1.46% | 0.51% | 2.88% | 3.72% |
| 2024-03-31 | 15.90% | 0.90% | 0.48% | 2.70% | 3.50% |
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Frequently asked about FIRST STATE BANK OF ST. CHARLES, MISSOURI
What are First State Bank of ST. Charles, Missouri's total assets?
As of the Q4 2025 filing, First State Bank of ST. Charles, Missouri reported total assets of $560.3 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First State Bank of ST. Charles, Missouri headquartered?
First State Bank of ST. Charles, Missouri is headquartered in SAINT CHARLES, MO, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First State Bank of ST. Charles, Missouri founded?
First State Bank of ST. Charles, Missouri was established in 1867, per the FDIC institution directory.
Is First State Bank of ST. Charles, Missouri FDIC-insured?
Yes. First State Bank of ST. Charles, Missouri is an FDIC-insured commercial bank (FDIC Certificate #12219). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First State Bank of ST. Charles, Missouri?
First State Bank of ST. Charles, Missouri's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First State Bank of ST. Charles, Missouri's CET1 capital ratio?
First State Bank of ST. Charles, Missouri reported a Common Equity Tier 1 (CET1) capital ratio of 16.40% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does First State Bank of ST. Charles, Missouri operate?
First State Bank of ST. Charles, Missouri operates 6 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is First State Bank of ST. Charles, Missouri's Texas Ratio?
First State Bank of ST. Charles, Missouri's Texas Ratio is 2.57% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.