First State Bank of St. Charles, Missouri
Also written as FSB of St. Charles Missouri
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Data as of · sourced from FFIEC call reports. How we update
First State Bank of St. Charles, Missouri is an FDIC-insured commercial bank headquartered in Saint Charles, MO, established in 1867 (FDIC certificate 12219), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $535.2M, down 3.0% from Q2 2025, the 67th largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 15.77% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 12219
- Headquarters
- Saint Charles, MO
- Established
- 1867
- Total assets, Q2 2026
- $535.2M
- Assets vs Q2 2025
- -3.0%
- CET1 ratio, Q2 2026
- 15.77%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 081000993
- Latest call report
- Q2 2026, FFIEC 041 · First State Bank of St. Charles, Missouri call report
- Holding company
- FIRST STATE BANCSHARES, INC.
- Asset rank in state
- 67th of 191 in Missouri
First State Bank of St. Charles, Missouri carries far more capital than most banks of its size. The Saint Charles, Missouri bank had $535 million in assets at June 30, 2026, down 3.0% from a year earlier. It funds 15.65% of its assets with Tier 1 capital, higher than about three-quarters of the 2,627 banks with $100 million to $1 billion in assets (median 10.99%). It also shrank its loan book 2.6% over the year, lower than about three-quarters of banks its size (median 5.5%).
Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.40% of loans from 0.72%. Costs are the weak spot: it spends about 79 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, First State Bank of St. Charles, Missouri reported a CET1 capital ratio of 15.77%, a return on assets of 1.38%, a nonperforming-loan ratio of 0.40% and a Texas ratio of 2.18%. The figures come from its call report filed with the FFIEC.
Of the 191 banks headquartered in Missouri, First State Bank of St. Charles, Missouri is the 67th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 4.0% to $535.2M, loans fell 4.0% and deposits fell 5.2%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 70.3% of total loans, followed by owner-occupied commercial real estate loans at 10.1%. The FDIC Summary of Deposits lists 6 offices for it, in 6 cities across 2 states; its St. Charles office books 57% of its branch deposits. By the capital ratios in its Q2 2026 call report, First State Bank of St. Charles, Missouri meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 206 N 5th St, Saint Charles, MO 63301
- 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 041
- Established
- May 10, 1867
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 180
- Domestic deposits
- $400.8M
- Allowance for credit losses
- $6.3M
- Net charge-offs (YTD)
- -$2K
- Average total assets
- $543.6M
- Average total loans
- $437.6M
- Average interest-bearing deposits
- $290.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12219
- Fed RSSD
- 345756
- Website
- www.fsbfinancial.com →
- Parent Holding Company
- FIRST STATE BANCSHARES, INC. (RSSD 1416550)
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
Over the 12 quarters to Q2 2026, First State Bank of St. Charles, Missouri's total assets ran between $535.2M (Q2 2026) and $560.3M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$535.2M total assets against $551.7M; $452.0M total liabilities against $469.6M.
$425.2M net loans and leases against $436.5M; $400.8M total deposits against $407.4M.
$35.3M securities against $33.3M; $18.8M cash and balances due against $23.9M.
$7.4M total interest income against $7.3M; $2.3M total interest expense against $2.5M.
$5.1M net interest income against $4.8M.
$6.8M total noninterest income against $6.6M; $9.5M total noninterest expense against $8.9M.
No provision recorded in the last 12 quarters.
$1.9M net income against $1.9M.
1.38% return on assets against 1.36%; 3.98% net interest margin against 3.74%.
15.77% CET1 capital ratio against 15.98%; 15.65% tier 1 leverage ratio against 15.53%.
Inside the full First State Bank of St. Charles, Missouri 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
First State Bank of St. Charles, Missouri rankings
Its closest position to the top of a national ranking is 738 of 2,134, for CET1 ratio; its furthest is 3,220 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.75% (Q1 2025) to 1.94% (Q1 2026) and its net interest margin ran from 3.56% (Q1 2025) to 3.98% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.77% | 1.38% | 0.40% | 2.18% | 3.98% |
| Q1 2026 | 15.79% | 1.94% | 0.38% | 2.19% | 3.82% |
| Q4 2025 | 16.40% | 1.55% | 0.35% | 1.95% | 3.86% |
| Q3 2025 | 16.30% | 1.54% | 0.57% | 2.71% | 3.83% |
| Q2 2025 | 15.98% | 1.36% | 0.72% | 3.60% | 3.74% |
| Q1 2025 | 16.03% | 0.75% | 0.34% | 1.72% | 3.56% |
| Q4 2024 | 16.24% | 1.29% | 0.27% | 1.38% | 3.67% |
| Q3 2024 | 15.95% | 1.40% | 0.20% | 1.05% | 3.61% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 |
|---|---|---|---|
| First State Bank of St. Charles, Missouri (main office) | St. Charles , MO | 63301 | $228.3M |
| Lake St. Louis Facility | Lake Saint Louis , MO | 63367 | $54.4M |
| O'Fallon Facility | O'Fallon , MO | 63366 | $52.5M |
| Hwy 94 Facility | Saint Charles , MO | 63303 | $37.6M |
| Chesterfield Facility | Chesterfield , MO | 63005 | $18.0M |
| Overland Park Facility Branch | Leawood , KS | 66211 | $9.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in MO, rank 95 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 6 loans, $799K approved, $133K average. 33.33% 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
- 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
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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 Q2 2026 filing, First State Bank of St. Charles, Missouri reported total assets of $535.2 million in its FFIEC call report.
Where is First State Bank of St. Charles, Missouri headquartered?
It is headquartered in Saint Charles, MO, United States.
When was First State Bank of St. Charles, Missouri founded?
It was established in 1867, per the FDIC institution directory.
Is First State Bank of St. Charles, Missouri FDIC-insured?
Yes. It 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.
What is First State Bank of St. Charles, Missouri's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.77% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First State Bank of St. Charles, Missouri operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First State Bank of St. Charles, Missouri's Texas Ratio?
Its Texas Ratio is 2.18% 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.
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