FIRST STATE COMMUNITY BANK

FARMINGTON, MO | Large | Est. May 11, 1954, midnight | FDIC #17323 | RSSD #707354 | FDIC
Latest Report: 2025-12-31

FIRST STATE COMMUNITY BANK is aln large FDIC-insured commercial bank headquartered in FARMINGTON, MO, established in May 11, 1954, midnight. As of 2025-12-31, the bank reported total assets of $4.5B and total deposits of $3.7B. Profitability stands at 1.72% ROA and 14.20% ROE, with a net interest margin of 3.94%. The bank's CET1 capital ratio is 14.03%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.57% and a Texas Ratio of 3.45%. FDIC Certificate #17323.

Assets

$4.5B

Deposits

$3.7B

Loans

$3.4B

Equity

$543M

Profitability

Return on Assets (ROA) 1.72%
Return on Equity (ROE) 14.20%
Net Interest Margin (NIM) 3.94%
Yield on Assets 5.66%
Cost of Funds 1.99%

Asset Quality

NPL Ratio 0.57%
Net Charge-Off Ratio 0.07%
Texas Ratio 3.45%
NPA Ratio 0.45%
ACL / Loans 1.00%

Capital & Liquidity

CET1 Ratio 14.03%
Tier 1 Capital 14.03%
Total Capital Ratio 15.03%
Leverage Ratio 11.80%
Loan-to-Deposit 89.57%

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