First State Bank of St. Charles, Missouri
Total assets
$535.2M
▼ -3.0% YoY
Deposits
$400.8M
▼ -1.6% YoY
Loans
$425.2M
▼ -2.6% YoY
Offices
9
FIRST STATE BANCSHARES INC
ROA (annualized)
1.67%
peers 1.28%
ROE (annualized)
10.91%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.0% | +4.9% | -7.9 pts |
| Deposit growth (YoY) | -1.6% | +4.3% | -6.0 pts |
| Loan growth (YoY) | -2.6% | +5.3% | -7.9 pts |
| ROA | 1.67% | 1.28% | +0.4 pts |
| ROE | 10.9% | 12.4% | -1.5 pts |
ROA ranks in the 73rd percentile of its peer group · Q2 2026
Profile
- Established
- 1867
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- FIRST STATE BANCSHARES INC
- Specialization
- Mortgage Lending Specialization
- Address
- 206 N 5th St, St. Charles, MO, 63301
- County
- St. Charles
- Metro area
- St. Louis, MO-IL
- Offices
- 9
- FDIC cert #
- 12219
- RSSD ID
- 345756
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $535.2M | $400.8M | $425.2M | $83.2M | $4.6M | 1.67% | 4.14% | 0.37% |
| Q1 2026 | $557.3M | $422.8M | $443.1M | $83.0M | $2.7M | 1.94% | 4.04% | 0.35% |
| Q4 2025 | $560.3M | $423.2M | $437.6M | $86.1M | $7.2M | 1.31% | 4.00% | 0.32% |
| Q3 2025 | $551.6M | $407.1M | $429.0M | $84.4M | $5.0M | 1.22% | 3.93% | 0.45% |
| Q2 2025 | $551.7M | $407.4M | $436.5M | $82.2M | $2.9M | 1.05% | 3.86% | 0.58% |
| Q1 2025 | $542.6M | $400.2M | $441.2M | $81.1M | $995K | 0.74% | 3.74% | 0.28% |
| Q4 2024 | $536.3M | $391.3M | $442.2M | $79.7M | $6.9M | 1.26% | 3.77% | 0.22% |
| Q3 2024 | $549.7M | $407.3M | $457.3M | $79.4M | $5.2M | 1.25% | 3.72% | 0.17% |
Loan mix (Q2 2026): real estate $391.7M · commercial $35.8M · consumer $586K · securities $35.3M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.67% | 1.28% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 10.9% | 12.4% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.14% | 3.89% | 64th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.9% | 61.2% | 84th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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