First State Bank of St. Charles, Missouri: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 78.16 percentage points lower than in Q1 2026, at 290.19%. Within Missouri, First State Bank of St. Charles, Missouri is 101st of 192 on return on assets, 1.38% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. First State Bank of St. Charles, Missouri sits 0.13 points higher, at 1.38% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.77% |
| Tier 1 risk-based capital ratio | 15.77% |
| Total risk-based capital ratio | 17.01% |
| Tier 1 leverage ratio | 15.65% |
| Equity capital to assets | 15.54% |
| Tangible equity to tangible assets | 15.54% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.51% |
| Non-performing assets ratio | 0.45% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 2.70% |
| Allowance for credit losses to loans | 1.47% |
| Reserve coverage of non-performing loans | 290.19% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.38% |
| Return on equity | 9.04% |
| Net interest margin | 3.98% |
| Efficiency ratio | 79.49% |
| Yield on earning assets | 5.72% |
| Cost of funds | 1.98% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 107.67% |
| Core deposits to total deposits | 91.21% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 74.88% |
| Securities to assets | 6.59% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 16.11% | 16.11% | 17.36% | 14.10% | 1.29% |
| Q4 2023 | 16.04% | 16.04% | 17.29% | 14.30% | 1.26% |
| Q1 2024 | 15.90% | 15.90% | 17.15% | 14.53% | 0.90% |
| Q2 2024 | 15.66% | 15.66% | 16.91% | 14.60% | 1.47% |
| Q3 2024 | 15.95% | 15.95% | 17.20% | 14.85% | 1.40% |
| Q4 2024 | 16.24% | 16.24% | 17.49% | 15.17% | 1.29% |
| Q1 2025 | 16.03% | 16.03% | 17.28% | 15.79% | 0.75% |
| Q2 2025 | 15.98% | 15.98% | 17.23% | 15.53% | 1.36% |
| Q3 2025 | 16.30% | 16.30% | 17.55% | 15.60% | 1.54% |
| Q4 2025 | 16.40% | 16.40% | 17.64% | 15.44% | 1.55% |
| Q1 2026 | 15.79% | 15.79% | 17.03% | 15.19% | 1.94% |
| Q2 2026 | 15.77% | 15.77% | 17.01% | 15.65% | 1.38% |
First State Bank of St. Charles, Missouri vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank of St. Charles, Missouri, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First State Bank of St. Charles, Missouri profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12219) · FFIEC NIC profile (RSSD 345756)