What is First State Community Bank's financial health grade?

First State Community Bank has a TFS Financial Health Grade of B- (score: 80.1/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does First State Community Bank have?

First State Community Bank has 53 branch locations across the United States.

Is First State Community Bank FDIC insured?

Yes, First State Community Bank is FDIC insured (Certificate #17323).

What are the total assets of First State Community Bank?

First State Community Bank has total assets of $4.5B as reported in its most recent FDIC filing.

First State Community Bank

BankFarmington, Missouri

www.fscb.com

Total Assets

$4.5B

Total Deposits

$3.7B

Branches

Established

1954

TFS Health Grade

B-

80.1 / 100

Good financial health

How we grade

First State Community Bank is a bank headquartered in Farmington, Missouri, established in 1954. With $4.5B in total assets and 53 branch locations, it has a TFS Financial Health Grade of B- (80.1/100).

Capital & Safety

Tier 1 Capital Ratio

11.80%(8%)

Total Capital Ratio

15.03%(10%)

Non-Performing Loan Ratio

0.58%

Profitability

Return on Assets (ROA)

1.74%(1%)

Return on Equity (ROE)

14.78%(10%)

Net Interest Margin

3.83%

Efficiency Ratio

51.04%(60%)

Lending & Liquidity

Total Loans

$3.4B

Loan-to-Deposit Ratio

88.68%

Net Charge-Off Ratio

0.08%

Growth

Asset Growth (YoY)

+5.97%

Deposit Growth (YoY)

+5.50%

Net Income

$74.8M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
First State Community BankHQ	201 E Columbia St	Farmington	MO	11
First State Community Bank	20 E School St	Bonne Terre	MO	11
First State Community Bank	74 Rue Terre Bonne	Bonne Terre	MO	11
First State Community Bank	412 Main St	Boonville	MO	11
First State Community Bank	2527 William St	Cape Girardeau	MO	11
First State Community Bank	1602 N Kingshighway St	Cape Girardeau	MO	11
First State Community Bank	3200 Golden Bear Dr	Columbia	MO	11
First State Community Bank	3601 Endeavor Ave	Columbia	MO	11
First State Community Bank	300 Diego Dr	Columbia	MO	11
First State Community Bank	602 West Jefferson Avenue	Conway	MO	11
First State Community Bank	1135 N Desloge Dr	Desloge	MO	11
First State Community Bank	328 N Main St	De Soto	MO	11
First State Community Bank	1801 Old Boyd St	De Soto	MO	11
First State Community Bank	702 N Washington St	Farmington	MO	23
First State Community Bank	775 Maple Valley Dr	Farmington	MO	11
First State Community Bank	1 Black Knight Dr	Farmington	MO	11
First State Community Bank	1450 Parkway W	Festus	MO	11
First State Community Bank	713 W Main St	Fredericktown	MO	11
First State Community Bank	340 S Main St	Gerald	MO	11
First State Community Bank	1015 E Highway 84	Hayti	MO	11
First State Community Bank	208 E 1st St	Hermann	MO	11
First State Community Bank	4767 State Road B	Hillsboro	MO	11
First State Community Bank	6021 W Outer Rd	Imperial	MO	11
First State Community Bank	4551 Highway 21	Imperial	MO	23
First State Community Bank	231 S Main St	Ironton	MO	11
First State Community Bank	110 W Russell St	Ironton	MO	23
First State Community Bank	320 W Main St	Jackson	MO	11
First State Community Bank	114 Independence Ave	Kennett	MO	11
First State Community Bank	101 W Commercial St	Lebanon	MO	11
First State Community Bank	1419 S Jefferson Ave	Lebanon	MO	11
First State Community Bank	1612 Maffry Ave	Macon	MO	11
First State Community Bank	1214 N Douglass St	Malden	MO	11
First State Community Bank	1035 Cherokee Dr	Marshall	MO	11
First State Community Bank	11728 Bluff Rd	Marthasville	MO	11
First State Community Bank	912 E. Liberty	Mexico	MO	11
First State Community Bank	509 W Rollins St	Moberly	MO	13
First State Community Bank	420 N Morley St	Moberly	MO	11
First State Community Bank	308 W Lincoln Ave	Owensville	MO	13
First State Community Bank	302 W Saint Louis St	Pacific	MO	11
First State Community Bank	365 W Main St	Park Hills	MO	11
First State Community Bank	1401 S Saint Joe Dr	Park Hills	MO	11
First State Community Bank	406 N Perryville Blvd	Perryville	MO	11
First State Community Bank	200 E Main St	Portageville	MO	11
First State Community Bank	100 Hwy P, Suite A	Potosi	MO	11
First State Community Bank	301 W Washington Ave	Richland	MO	11
First State Community Bank	210 W 8th St	Rolla	MO	11
First State Community Bank	710 Parkwood Dr	Sainte Genevieve	MO	11
First State Community Bank	201 N Main St	Sikeston	MO	11
First State Community Bank	3 E Springfield Rd	Sullivan	MO	11
First State Community Bank	1022 N State Highway 47	Warrenton	MO	11

Showing 50 of 53 branches

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.