BanksFIRST STATE COMMUNITY BANK

FIRST STATE COMMUNITY BANK

FARMINGTON, MOLargeEst. May 11, 1954, midnightFDIC #17323RSSD #707354FDIC
Latest · 2025-12-31

FIRST STATE COMMUNITY BANK is an 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%. CET1 capital ratio: 14.03%, well above regulatory minimums. NPL ratio: 0.57% · Texas Ratio: 3.45%. Operates 53 domestic branches.

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 Margin3.94%
Yield on Assets5.66%
Cost of Funds1.81%

Asset Quality

NPL Ratio0.57%
Net Charge-Off Ratio0.07%
Texas Ratio3.45%
NPA Ratio0.45%
ACL / Loans1.00%

Capital & Liquidity

CET1 Ratio14.03%
Tier 1 Capital14.03%
Total Capital Ratio15.03%
Leverage Ratio11.80%
Loan-to-Deposit89.57%

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