First State Community Bank
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Data as of · sourced from FFIEC call reports. How we update
First State Community Bank is an FDIC-insured commercial bank headquartered in Farmington, MO, established in 1954 (FDIC certificate 17323), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $4.51B, up 6.2% from Q2 2025, the 10th largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 14.35% 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
- 17323
- Headquarters
- Farmington, MO
- Established
- 1954
- Total assets, Q2 2026
- $4.51B
- Assets vs Q2 2025
- +6.2%
- CET1 ratio, Q2 2026
- 14.35%
- Domestic offices
- 53 FDIC institution directory, current count
- Routing number
- 081918425
- Latest call report
- Q2 2026, FFIEC 041 · First State Community Bank call report
- Holding company
- FIRST STATE BANCSHARES, INC.
- Asset rank in state
- 10th of 191 in Missouri
Problem loans are rising at First State Community Bank. Based in Farmington, Missouri, it had $4.5 billion in assets at June 30, 2026, up 6.2% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.06% of loans from 0.51% a year earlier. It earns about $1.90 a year on every $100 of assets, higher than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median $1.29). It also spends about 48 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 58 cents).
Net income for the quarter rose 15% from a year earlier, to $22 million. Credit is the area to watch: it carries problem assets equal to 7.5% of the capital and reserves that would absorb them, about double the median of 3.6% for banks its size.
As of June 30, 2026, First State Community Bank reported a CET1 capital ratio of 14.35%, a return on assets of 1.90%, a nonperforming-loan ratio of 1.07% and a Texas ratio of 7.50%. The figures come from its call report filed with the FFIEC.
First State Community Bank ranks as the 10th largest of the 191 banks based in Missouri, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.1% to $4.51B, loans rose 1.0% and deposits fell 0.3%. 1-4 family residential loans made up 28.0% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 18.9%. The FDIC Summary of Deposits lists 53 offices for it, in 39 cities in MO; its Farmington 4 offices book 15% of its branch deposits. Judged on its Q2 2026 call report, First State Community Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 201 E Columbia St, Farmington, MO 63640
- County
- St. Francois
- Metro Area
- Farmington, MO
- 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 11, 1954
- Former names
- First State Bank of Farmington (1970-1996)
- Domestic offices
- 53 FDIC institution directory, current count
- Employees (FTE)
- 703
- Domestic deposits
- $3.78B
- Allowance for credit losses
- $37.1M
- Net charge-offs (YTD)
- $2.1M
- Average total assets
- $4.54B
- Average total loans
- $3.27B
- Average interest-bearing deposits
- $3.23B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 11, 1954
- FDIC Cert
- 17323
- Fed RSSD
- 707354
- Website
- www.fscb.com →
- Parent Holding Company
- FIRST STATE BANCSHARES, INC. (RSSD 1099917)
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
First State Community Bank's total assets moved between a low of $3.90B (Q3 2023) and a high of $4.51B (Q1 2026) from Q3 2023 to Q2 2026, 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
$4.51B total assets against $4.24B; $3.94B total liabilities against $3.75B.
$3.42B net loans and leases against $3.19B; $3.78B total deposits against $3.57B.
$548.7M securities against $570.1M; $188.8M cash and balances due against $174.6M.
$57.4M total interest income against $53.9M; $16.9M total interest expense against $16.6M.
$40.4M net interest income against $37.3M.
$15.4M total noninterest income against $13.7M; $27.3M total noninterest expense against $26.5M.
$2.8M provision for credit losses against $1.2M.
$21.5M net income against $18.7M.
1.90% return on assets against 1.80%; 3.89% net interest margin against 3.80%.
14.35% CET1 capital ratio against 13.75%; 11.68% tier 1 leverage ratio against 11.36%.
Inside the full First State Community 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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
First State Community Bank rankings
Its closest position to the top of a national ranking is 300 of 4,196, for total assets; its furthest is 758 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.65% (Q3 2024) to 1.90% (Q2 2026) and its net interest margin ran from 3.57% (Q3 2024) to 3.95% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.35% | 1.90% | 1.07% | 7.50% | 3.89% |
| Q1 2026 | 13.77% | 1.75% | 1.03% | 7.27% | 3.72% |
| Q4 2025 | 14.03% | 1.75% | 0.58% | 4.00% | 3.95% |
| Q3 2025 | 13.66% | 1.80% | 0.58% | 4.18% | 3.90% |
| Q2 2025 | 13.75% | 1.80% | 0.51% | 3.83% | 3.80% |
| Q1 2025 | 13.53% | 1.75% | 0.39% | 3.00% | 3.57% |
| Q4 2024 | 13.67% | 1.73% | 0.31% | 3.07% | 3.65% |
| Q3 2024 | 13.64% | 1.65% | 0.36% | 3.28% | 3.57% |
Swipe the table sideways to see every column.
Branch Network
View all 53 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 Community Bank (main office) | Farmington , MO | 63640 | $582.7M |
| Columbia - Bethel Banking Center | Columbia , MO | 65203 | $293.8M |
| Lebanon Branch | Lebanon , MO | 65536 | $225.9M |
| Desoto Branch | De Soto , MO | 63020 | $173.9M |
| Cape Girardeau Branch | Cape Girardeau , MO | 63703 | $171.0M |
| Washington Branch | Washington , MO | 63090 | $143.2M |
| Park Hills Branch | Park Hills , MO | 63601 | $140.1M |
| Perryville Branch | Perryville , MO | 63775 | $131.7M |
| Imperial Facility | Imperial , MO | 63052 | $121.9M |
| Bonne Terre Branch | Bonne Terre , MO | 63628 | $113.0M |
| Fredericktown Branch | Fredericktown , MO | 63645 | $106.2M |
| Owensville Branch | Owensville , MO | 65066 | $92.0M |
| Ironton Branch | Ironton , MO | 63650 | $91.9M |
| Jackson Branch | Jackson , MO | 63755 | $89.1M |
| Sullivan Branch | Sullivan , MO | 63080 | $88.2M |
| Warrenton Branch | Warrenton , MO | 63383 | $86.9M |
| Sikeston Branch | Sikeston , MO | 63801 | $86.1M |
| Hillsboro Branch | Hillsboro , MO | 63050 | $81.8M |
| Potosi Branch | Potosi , MO | 63664 | $79.3M |
| Ste Genevieve-Plaza Branch | Sainte Genevieve , MO | 63670 | $69.8M |
| Festus Branch | Festus , MO | 63028 | $69.2M |
| Hermann Facility | Hermann , MO | 65041 | $65.9M |
| Rolla Main Branch | Rolla , MO | 65401 | $63.0M |
| Malden Branch | Malden , MO | 63863 | $51.2M |
| Gerald Facility | Gerald , MO | 63037 | $49.7M |
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 |
|---|---|---|---|
| May 21, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 21, 2016 | Structure Change | Acquired Central Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 12, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 12, 2013 | Structure Change | Acquired Bank Star of the LeadBelt Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 29, 2008 | Structure Change | Acquired Progress Bank of Missouri Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 8, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 8, 1999 | Structure Change | Acquired Iron County Security Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 12, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 12, 1998 | Structure Change | Acquired Joachim Federal Savings and Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 9 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.4% of deposits in MO, rank 11 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 2,876 applications, 1,949 loans originated, $441.5M originated, across 9 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 6 loans, $2.8M approved, $466K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Community Bank
What are First State Community Bank's total assets?
As of the Q2 2026 filing, First State Community Bank reported total assets of $4.51 billion in its FFIEC call report.
Where is First State Community Bank headquartered?
It is headquartered in Farmington, MO, United States.
When was First State Community Bank founded?
It was established in 1954, per the FDIC institution directory.
Is First State Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17323). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First State Community Bank?
First State Community Bank's primary federal regulator is the FDIC.
What is First State Community Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.35% 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 Community Bank operate?
It operates 53 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 Community Bank's Texas Ratio?
Its Texas Ratio is 7.50% 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 State Community Bank previously called?
The charter now named First State Community Bank has also operated as First State Bank of Farmington (1970-1996), per FDIC structure-change records.
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