First Bank (Creve Coeur, MO)
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Data as of · sourced from FFIEC call reports. How we update
First Bank is an FDIC-insured commercial bank headquartered in Creve Coeur, MO, established in 1906 (FDIC certificate 12229), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $6.65B, up 1.8% from Q2 2025, the 7th largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 13.06% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 12229
- Headquarters
- Creve Coeur, MO
- Established
- 1906
- Total assets, Q2 2026
- $6.65B
- Assets vs Q2 2025
- +1.8%
- CET1 ratio, Q2 2026
- 13.06%
- Domestic offices
- 76 FDIC institution directory, current count
- Routing number
- 081009428
- Latest call report
- Q2 2026, FFIEC 041 · First Bank call report
- Holding company
- SAN FRANCISCO COMPANY, THE
- Asset rank in state
- 7th of 191 in Missouri
First Bank, based in Creve Coeur, Missouri, reported $6.7 billion in assets at June 30, 2026, up 1.8% from a year earlier. It lost 1.1% of its deposits over the year, lower than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 5.1%). It also spends about 74 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 58 cents).
Paper losses on its bond portfolio are shrinking: unrealized losses of $264 million equal 41% of Tier 1 capital, down from 48% a year earlier. Loans and deposits moved in opposite directions: over the year loans rose 7.8% and deposits fell 1.1%. Profitability lags: it earns about $0.68 a year on every $100 of assets, about half the median of $1.29 for banks its size.
As of June 30, 2026, First Bank reported a CET1 capital ratio of 13.06%, a return on assets of 0.68%, a nonperforming-loan ratio of 0.27% and a Texas ratio of 2.31%. The figures come from its call report filed with the FFIEC.
First Bank ranks as the 7th largest of the 191 banks based in Missouri, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.5% to $6.65B, loans rose 0.4% and deposits fell 1.8%. 1-4 family residential loans made up 25.6% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 21.0%. Its 76 offices in the FDIC Summary of Deposits are in 62 cities across 4 states; its Creve Coeur office books 15% of its branch deposits. By the capital ratios in its Q2 2026 call report, First Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 11901 Olive Boulevard, Creve Coeur, MO 63141
- County
- St. Louis
- Metro Area
- St. Louis, MO-IL
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- July 30, 1906
- Former names
- First Bank and Trust Company (1986-1989); First Missouri Bank and Trust Company (1984-1986); First Missouri Bank and Trust Company of Creve Coeur (1974-1984); Creve Coeur Bank and Trust Company (1967-1974); Creve Coeur Bank (1954-1967)
- Domestic offices
- 76 FDIC institution directory, current count
- Employees (FTE)
- 785
- Domestic deposits
- $5.83B
- Allowance for credit losses
- $43.4M
- Net charge-offs (YTD)
- $3.5M
- Average total assets
- $6.74B
- Average total loans
- $4.19B
- Average interest-bearing deposits
- $5.71B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12229
- Fed RSSD
- 169653
- SEC CIK
- 710507 → filed by FB CORPORATION
- Website
- WWW.FIRST.BANK →
- Parent Holding Company
- SAN FRANCISCO COMPANY, THE (RSSD 1029286)
- Ultimate Parent
- FB CORPORATION (RSSD 1118797)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First Bank's total assets ranged from $6.53B (Q2 2025) to $6.69B (Q1 2026), 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
$6.65B total assets against $6.53B; $6.09B total liabilities against $6.04B.
$4.21B net loans and leases against $3.91B; $5.83B total deposits against $5.90B.
$1.84B securities against $1.95B; $253.4M cash and balances due against $317.7M.
$77.5M total interest income against $76.3M; $28.5M total interest expense against $32.2M.
$49.0M net interest income against $44.1M.
$13.4M total noninterest income against $13.1M; $46.2M total noninterest expense against $45.1M.
$1.9M provision for credit losses against $2.8M.
$11.5M net income against $8.5M.
0.68% return on assets against 0.51%; 3.07% net interest margin against 2.78%.
13.06% CET1 capital ratio against 12.99%; 9.67% tier 1 leverage ratio against 9.01%.
Inside the full First 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.
Held-to-maturity securities carry unrealized losses equal to more than a quarter of book equity. Because HTM is held at amortized cost, these losses are not reflected in reported capital, the dynamic that masked Silicon Valley Bank's insolvency before its March 2023 failure. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
First Bank rankings
Its closest position to the top of a national ranking is 227 of 4,196, for total assets; its furthest is 3,050 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.12% (Q3 2024) to 0.68% (Q2 2026) and its net interest margin ran from 2.42% (Q3 2024) to 3.07% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.06% | 0.68% | 0.27% | 2.31% | 3.07% |
| Q1 2026 | 12.87% | 0.63% | 0.24% | 2.14% | 2.94% |
| Q4 2025 | 13.19% | 0.64% | 0.24% | 1.69% | 2.99% |
| Q3 2025 | 13.01% | 0.64% | 0.38% | 2.75% | 2.99% |
| Q2 2025 | 12.99% | 0.51% | 0.33% | 2.42% | 2.78% |
| Q1 2025 | 13.05% | 0.22% | 0.39% | 2.82% | 2.55% |
| Q4 2024 | 13.08% | 0.41% | 0.28% | 2.03% | 2.51% |
| Q3 2024 | 13.21% | 0.12% | 0.44% | 3.23% | 2.42% |
Swipe the table sideways to see every column.
Branch Network
View all 76 branches → 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 |
|---|---|---|---|
| Virtual Banking Facility Branch | Creve Coeur , MO | 63141 | $856.5M |
| First Bank (main office) | St. Louis , MO | 63141 | $727.9M |
| Newport Beach Branch | Newport Beach , CA | 92660 | $290.2M |
| Beverly Hills Branch | Beverly Hills , CA | 90211 | $148.7M |
| Douglas Branch | Roseville , CA | 95661 | $136.9M |
| Vallejo Branch | Vallejo , CA | 94591 | $116.6M |
| Chino Branch | Chino , CA | 91710 | $114.0M |
| O'Fallon Branch | O Fallon , IL | 62269 | $113.5M |
| Chula Vista Branch | Chula Vista , CA | 91910 | $108.5M |
| Yorba Linda Branch | Yorba Linda , CA | 92886 | $95.8M |
| Four Seasons Branch | Saint Louis , MO | 63141 | $95.2M |
| San Francisco Branch | San Francisco , CA | 94116 | $92.5M |
| Manchester Road Branch | Manchester , MO | 63011 | $90.1M |
| Woodland Hills Branch | Woodland Hills , CA | 91367 | $87.2M |
| Dardenne Crossing Branch | Dardenne Prairie , MO | 63368 | $86.0M |
| Encino Branch | Encino , CA | 91316 | $86.0M |
| Walnut Creek Branch | Walnut Creek , CA | 94596 | $84.9M |
| San Francisco Main Branch | San Francisco , CA | 94104 | $79.9M |
| Wentzville Branch | Wentzville , MO | 63385 | $75.1M |
| Westlake Village Branch | Westlake Village , CA | 91361 | $71.5M |
| Goldenwest Branch | Huntington Beach , CA | 92647 | $69.1M |
| Ellisville Branch | Ellisville , MO | 63011 | $68.7M |
| Malibu Branch | Malibu , CA | 90265 | $68.5M |
| Santa Barbara Branch | Santa Barbara , CA | 93105 | $68.3M |
| Clayton Branch | Clayton , MO | 63105 | $66.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 1, 2007 | Structure Change | Acquired Coast Bank of Florida Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 1, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 2007 | Structure Change | Acquired Royal Oaks Bank, SSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 1, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 1, 2006 | Structure Change | Acquired Oak Lawn Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 16, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 16, 2006 | Structure Change | Acquired San Diego Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 17, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 17, 2006 | Structure Change | Acquired First Independent National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 29, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 29, 2006 | Structure Change | Acquired Community Bank of Pittsfield Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 25, 2006 | Structure Change | Acquired First National Bank of Sachse Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 25, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 2005 | Structure Change | Acquired Northway State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 1, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 30, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 30, 2005 | Structure Change | Acquired International Bank of California Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 30, 2005 | Structure Change | Acquired First Bank of the Americas, S.S.B. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 30, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2004 | Structure Change | Acquired CIB Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 31, 2004 | Structure Change | Acquired Continental Community Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 30, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 31, 2003 | Structure Change | Acquired Bank of Ste. Genevieve Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 31, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 15, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 15, 2002 | Structure Change | Acquired PlainsBank of Illinois, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 2001 | Structure Change | Acquired Union Bank of Illinois Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 1997 | Structure Change | Acquired First Bank, A Federal Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 1, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 31, 1994 | Structure Change | Acquired Heritage National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 31, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 1989 | Structure Change | Acquired First Bank of Jefferson County Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 1986 | Structure Change | Acquired First Missouri Bank of St. Peters, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 1986 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 1984 | Structure Change | Acquired First Missouri Bank of Ellisville Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 1984 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 40 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve); 5 against individuals associated with it
- Period: Most recent institution action March 24, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.9% of deposits in MO, rank 16 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 2,457 applications, 1,688 loans originated, $560.1M originated, across 36 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $2.6M approved, $874K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2016 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First Bank
What are First Bank's total assets?
As of the Q2 2026 filing, First Bank reported total assets of $6.65 billion in its FFIEC call report.
Where is First Bank headquartered?
It is headquartered in Creve Coeur, MO, United States.
When was First Bank founded?
It was established in 1906, per the FDIC institution directory.
Is First Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12229). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Bank?
First Bank's primary federal regulator is the Federal Reserve.
What is First Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.06% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Bank operate?
It operates 76 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Bank's Texas Ratio?
Its Texas Ratio is 2.31% 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.
What was First Bank previously called?
The charter now named First Bank has also operated as First Bank and Trust Company (1986-1989), First Missouri Bank and Trust Company (1984-1986), First Missouri Bank and Trust Company of Creve Coeur (1974-1984), Creve Coeur Bank and Trust Company (1967-1974), Creve Coeur Bank (1954-1967), per FDIC structure-change records.
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