First State Bank of St. Charles, Missouri: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First State Bank of St. Charles, Missouri of Saint Charles, MO against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.38% | 1.34% | +0.04% | 57th above |
| ROAE | 9.04% | 13.33% | -4.29% | 31st below |
| Net Interest Margin | 3.98% | 3.93% | +0.05% | 52nd above |
| Efficiency Ratio | 79.49% | 61.12% | +18.37% | 14th bottom |
| PPNR / Avg Assets | 1.79% | 1.68% | +0.11% | 62nd above |
| Yield on Earning Assets | 5.72% | 5.67% | +0.05% | 56th above |
| Cost of Funds | 1.98% | 1.88% | +0.10% | 38th below |
| Net Interest Spread | 3.04% | 3.32% | -0.28% | 35th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.51% | 0.94% | -0.43% | 45th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.45% | 0.70% | -0.25% | 41st below |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 74th above |
| ACL / Total Loans | 1.47% | 1.28% | +0.19% | 76th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 290.19% | 1546.83% | -1256.64% | 59th above |
| Texas Ratio | 2.70% | 7.34% | -4.64% | 56th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.77% | 19.49% | -3.72% | 56th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.77% | 19.52% | -3.75% | 55th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.01% | 20.61% | -3.60% | 56th above |
| Leverage Ratio | 15.65% | 12.14% | +3.51% | 89th top |
| Equity / Assets | 15.54% | 11.36% | +4.18% | 90th top |
| TCE / Tangible Assets | 15.54% | 11.08% | +4.46% | 91st top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 107.67% | 80.65% | +27.02% | 5th bottom |
| Core Deposit Ratio | 91.21% | 86.85% | +4.36% | 62nd above |
| Wholesale Funding Ratio | 8.41% | 5.03% | +3.38% | 20th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.00% | 6.85% | -9.85% | 8th bottom |
| Loan Growth (Y/Y) | -2.62% | 7.92% | -10.54% | 13th bottom |
| Deposit Growth (Y/Y) | -1.63% | 6.29% | -7.92% | 15th bottom |
See First State Bank of St. Charles, Missouri's peers by name
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Unlock First State Bank of St. Charles, Missouri, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First State Bank of St. Charles, Missouri profile, how to read a UBPR, or how this data updates.