What is First State Bank of St. Charles, Missouri's financial health grade?

First State Bank of St. Charles, Missouri has a TFS Financial Health Grade of C+ (score: 79.0/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does First State Bank of St. Charles, Missouri have?

First State Bank of St. Charles, Missouri has 9 branch locations across the United States.

Is First State Bank of St. Charles, Missouri FDIC insured?

Yes, First State Bank of St. Charles, Missouri is FDIC insured (Certificate #12219).

What are the total assets of First State Bank of St. Charles, Missouri?

First State Bank of St. Charles, Missouri has total assets of $560.3M as reported in its most recent FDIC filing.

First State Bank of St. Charles, Missouri

BankSt. Charles, Missouri

www.fsbfinancial.com

Total Assets

$560.3M

Total Deposits

$423.2M

Branches

Established

1867

TFS Health Grade

C+

79.0 / 100

Average financial health

How we grade

First State Bank of St. Charles, Missouri is a bank headquartered in St. Charles, Missouri, established in 1867. With $560.3M in total assets and 9 branch locations, it has a TFS Financial Health Grade of C+ (79.0/100).

Capital & Safety

Tier 1 Capital Ratio

15.44%(8%)

Total Capital Ratio

17.64%(10%)

Non-Performing Loan Ratio

0.35%

Profitability

Return on Assets (ROA)

1.31%(1%)

Return on Equity (ROE)

8.69%(10%)

Net Interest Margin

4.00%

Efficiency Ratio

78.30%(60%)

Lending & Liquidity

Total Loans

$444.2M

Loan-to-Deposit Ratio

103.39%

Net Charge-Off Ratio

-0.00%

Growth

Asset Growth (YoY)

+4.46%

Deposit Growth (YoY)

+8.17%

Net Income

$7.2M

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 Bank of St. Charles, MissouriHQ	206 N 5th St	St. Charles	MO	11
First State Bank of St. Charles, Missouri	6800 College Blvd	Leawood	KS	11
First State Bank of St. Charles, Missouri	6800 College Blvd	Leawood	KS	24
First State Bank of St. Charles, Missouri	17050 Baxter Rd	Chesterfield	MO	11
First State Bank of St. Charles, Missouri	3461 Technology Dr	Lake Saint Louis	MO	11
First State Bank of St. Charles, Missouri	1639 Ne Douglas St	Lees Summit	MO	24
First State Bank of St. Charles, Missouri	300 Woodlawn Ave	O'Fallon	MO	11
First State Bank of St. Charles, Missouri	2850 W Clay St	Saint Charles	MO	24
First State Bank of St. Charles, Missouri	1501 S Old Highway 94	Saint Charles	MO	11

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.