First Bank (Creve Coeur, MO): Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
First Bank, based in Creve Coeur, Missouri, reported $6.7 billion in assets at June 30, 2026, up 1.8% from a year earlier. It lost 1.1% of its deposits over the year, lower than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 5.1%). It also spends about 74 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 58 cents).
Paper losses on its bond portfolio are shrinking: unrealized losses of $264 million equal 41% of Tier 1 capital, down from 48% a year earlier. Loans and deposits moved in opposite directions: over the year loans rose 7.8% and deposits fell 1.1%. Profitability lags: it earns about $0.68 a year on every $100 of assets, about half the median of $1.29 for banks its size.
As of June 30, 2026, First Bank reported a CET1 capital ratio of 13.06%, a return on assets of 0.68%, a nonperforming-loan ratio of 0.23% and a Texas ratio of 2.31%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 11901 Olive Boulevard, Creve Coeur, MO 63141
- County
- St. Louis
- Metro Area
- St. Louis, MO-IL
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- July 30, 1906
- Former names
- First Bank and Trust Company (1986-1989); First Missouri Bank and Trust Company (1984-1986); First Missouri Bank and Trust Company of Creve Coeur (1974-1984); Creve Coeur Bank and Trust Company (1967-1974); Creve Coeur Bank (1954-1967)
- Offices
- 75 domestic
- Employees (FTE)
- 785
- Domestic deposits
- $5.83B
- Allowance for credit losses
- $43.4M
- Net charge-offs (YTD)
- $3.5M
- Average total assets
- $6.74B
- Average total loans
- $4.19B
- Average interest-bearing deposits
- $5.71B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12229
- Fed RSSD
- 169653
- SEC CIK
- 710507 → filed by FB CORPORATION
- Website
- WWW.FIRST.BANK →
- Parent Holding Company
- SAN FRANCISCO COMPANY, THE (RSSD 1029286)
- Ultimate Parent
- FB CORPORATION (RSSD 1118797)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First 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.
Held-to-maturity securities carry unrealized losses equal to more than a quarter of book equity. Because HTM is held at amortized cost, these losses are not reflected in reported capital, the dynamic that masked Silicon Valley Bank's insolvency before its March 2023 failure. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
First Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.06% | 0.68% | 0.27% | 2.31% | 3.07% |
| Q1 2026 | 12.87% | 0.63% | 0.24% | 2.14% | 2.94% |
| Q4 2025 | 13.19% | 0.64% | 0.24% | 1.69% | 2.99% |
| Q3 2025 | 13.01% | 0.64% | 0.38% | 2.75% | 2.99% |
| Q2 2025 | 12.99% | 0.51% | 0.33% | 2.42% | 2.78% |
| Q1 2025 | 13.05% | 0.22% | 0.39% | 2.82% | 2.55% |
| Q4 2024 | 13.08% | 0.41% | 0.28% | 2.03% | 2.51% |
| Q3 2024 | 13.21% | 0.12% | 0.44% | 3.23% | 2.42% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 76 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Virtual Banking Facility Branch | Creve Coeur , MO | 63141 | $856.5M |
| First Bank (main office) | St. Louis , MO | 63141 | $727.9M |
| Newport Beach Branch | Newport Beach , CA | 92660 | $290.2M |
| Beverly Hills Branch | Beverly Hills , CA | 90211 | $148.7M |
| Douglas Branch | Roseville , CA | 95661 | $136.9M |
| Vallejo Branch | Vallejo , CA | 94591 | $116.6M |
| Chino Branch | Chino , CA | 91710 | $114.0M |
| O'Fallon Branch | O Fallon , IL | 62269 | $113.5M |
| Chula Vista Branch | Chula Vista , CA | 91910 | $108.5M |
| Yorba Linda Branch | Yorba Linda , CA | 92886 | $95.8M |
| Four Seasons Branch | Saint Louis , MO | 63141 | $95.2M |
| San Francisco Branch | San Francisco , CA | 94116 | $92.5M |
| Manchester Road Branch | Manchester , MO | 63011 | $90.1M |
| Woodland Hills Branch | Woodland Hills , CA | 91367 | $87.2M |
| Dardenne Crossing Branch | Dardenne Prairie , MO | 63368 | $86.0M |
| Encino Branch | Encino , CA | 91316 | $86.0M |
| Walnut Creek Branch | Walnut Creek , CA | 94596 | $84.9M |
| San Francisco Main Branch | San Francisco , CA | 94104 | $79.9M |
| Wentzville Branch | Wentzville , MO | 63385 | $75.1M |
| Westlake Village Branch | Westlake Village , CA | 91361 | $71.5M |
| Goldenwest Branch | Huntington Beach , CA | 92647 | $69.1M |
| Ellisville Branch | Ellisville , MO | 63011 | $68.7M |
| Malibu Branch | Malibu , CA | 90265 | $68.5M |
| Santa Barbara Branch | Santa Barbara , CA | 93105 | $68.3M |
| Clayton Branch | Clayton , MO | 63105 | $66.6M |
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 |
|---|---|---|---|
| December 1, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2007 | Structure Change | Acquired Coast Bank of Florida Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 1, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 2007 | Structure Change | Acquired Royal Oaks Bank, SSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 1, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 1, 2006 | Structure Change | Acquired Oak Lawn Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 16, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 16, 2006 | Structure Change | Acquired San Diego Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 17, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 17, 2006 | Structure Change | Acquired First Independent National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 29, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 29, 2006 | Structure Change | Acquired Community Bank of Pittsfield Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 25, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 25, 2006 | Structure Change | Acquired First National Bank of Sachse Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 1, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 2005 | Structure Change | Acquired Northway State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 30, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 30, 2005 | Structure Change | Acquired International Bank of California Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 30, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 30, 2005 | Structure Change | Acquired First Bank of the Americas, S.S.B. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 1, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2004 | Structure Change | Acquired CIB Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 31, 2004 | Structure Change | Acquired Continental Community Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 30, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 31, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 31, 2003 | Structure Change | Acquired Bank of Ste. Genevieve Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 15, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 15, 2002 | Structure Change | Acquired PlainsBank of Illinois, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 2001 | Structure Change | Acquired The State Bank of Jerseyville Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 1, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 1997 | Structure Change | Acquired First Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 31, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 31, 1994 | Structure Change | Acquired Heritage National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 1, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 1989 | Structure Change | Acquired First Bank of Jefferson County Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 1986 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 1986 | Structure Change | Acquired First Missouri Bank of St. Peters, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 1984 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 1984 | Structure Change | Acquired First Missouri Bank of West County 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 40 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for First Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (Federal Reserve); 5 against individuals associated with it
- Period: Most recent institution action March 24, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.9% of deposits in MO, rank 16 of 253 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 2,457 applications, 1,688 loans originated, $560.1M originated, across 36 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $2.6M approved, $874K average. 0.00% 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).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about First Bank
What are First Bank's total assets?
As of the Q2 2026 filing, First Bank reported total assets of $6.65 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Bank headquartered?
First Bank is headquartered in Creve Coeur, MO, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was First Bank founded?
First Bank was established in 1906, per the FDIC institution directory.
Is First Bank FDIC-insured?
Yes. First Bank is an FDIC-insured commercial bank (FDIC Certificate #12229). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Bank?
First Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Bank's CET1 capital ratio?
First Bank reported a Common Equity Tier 1 (CET1) capital ratio of 13.06% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Bank operate?
First Bank operates 75 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Bank's Texas Ratio?
First Bank's Texas Ratio is 2.31% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was First Bank previously called?
The charter now named First Bank has also operated as First Bank and Trust Company (1986-1989), First Missouri Bank and Trust Company (1984-1986), First Missouri Bank and Trust Company of Creve Coeur (1974-1984), Creve Coeur Bank and Trust Company (1967-1974), Creve Coeur Bank (1954-1967), per FDIC structure-change records.
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