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First State Bank Of St. Charles, Missouri
St. Charles, MO · FDIC Certificate #12219 · Chartered 05/1
Total assets
$535.20M
Total deposits
$400.75M
Total equity
$83.19M
Net loans
$425.16M
Branches (offices)
6
Net income (YTD)
$4.59M
Rank: #1,704 of 4,213 U.S. banks by assets · #67 of 190 in Missouri. Assets changed -3.0% and deposits -1.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.67% |
| Return on equity | 10.91% |
| Net interest margin (YTD) | 4.14% |
| Equity to assets | 15.54% |
| Tier 1 leverage ratio | 15.65% |
| Uninsured deposits (share of deposits) | 25.3% |
| Noncurrent loans (share of loans) | 0.40% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 106.1% |
| Real estate loans (share of loans) | 92.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $391.70M | 92.1% | |
| Commercial & industrial | $35.77M | 8.4% | |
| Consumer / individual | $586.00K | 0.1% | |
| Construction & development | $19.70M | 4.6% | |
| Agricultural | $315.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $463.26M | $388.26M | $847.00K | $67.83M |
| Jun 2023 | $553.53M | $388.18M | $2.40M | $72.14M |
| Jun 2024 | $557.34M | $385.31M | $3.25M | $77.02M |
| Jun 2025 | $551.73M | $407.41M | $2.86M | $82.17M |
| Jun 2026 | $535.20M | $400.75M | $4.59M | $83.19M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $390.77M | 5 |
| Kansas | $9.99M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $400.75M.
Similar-sized banks
Triad Business Bank ($536.05M) · Enterprise Bank Of South Carolina ($535.13M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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