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First State Bank of St. Charles, Missouri Locations & Branches Saint Charles, Missouri
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First State Bank of St. Charles, Missouri operates 6 branches from its headquarters in Saint Charles, MO, . Its main office is at 206 N 5th St, St. Charles, MO 63301.
First State Bank of St. Charles, Missouri branch network
Its 6 branches span 2 states and 6 cities. The most are in MISSOURI (5) and KANSAS (1). MISSOURI holds 97.5% of its branch deposits. Its largest office by deposits is its main office in St. Charles, MO, with $228.3M (57.0% of its branch deposits). It had the same number of branches on June 30, 2025.
First State Bank of St. Charles, Missouri at a glance
Its CET1 capital ratio was 15.77% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $535.2M
- CET1 ratio, Q2 2026
- 15.77%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 041
- Established
- 1867
Full financial profile · Is First State Bank of St. Charles, Missouri safe? · First State Bank of St. Charles, Missouri call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Saint Charles, MO (1 branch) | 15 of 18 | 1.1% | $37.6M |
| State: MO (5 branches) | 95 of 249 | 0.1% | $390.8M |
Ranked by total assets among banks headquartered in the state: Largest banks in Missouri.
Share by county and metro area
First State Bank of St. Charles, Missouri's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| St. Charles, MO (4 branches) | 8 of 35 | 3.7% | $372.8M | $9.96B |
| St. Louis, MO (1 branch) | 48 of 55 | <0.1% | $18.0M | $48.49B |
| Johnson, KS (1 branch) | 55 of 60 | <0.1% | $9.9M | $26.59B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| St. Louis, MO-IL (5 branches) | 49 of 111 | 0.3% | $390.8M | $141.72B |
| Kansas City, MO-KS (1 branch) | 108 of 114 | <0.1% | $9.9M | $98.85B |
| 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 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 12219) · FFIEC NIC profile (RSSD 345756)