$557M
+2.7%y/y
Percentile by value57th percentileby value
FDIC
ASSETFS
First State Bank of St. Charles, Missouri
St. Charles, MissouriFDIC Cert #12219
STATEEstablished 18679 branches
Holding company: FIRST STATE BANCSHARES INCRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportFirst State Bank of St. Charles, Missouri reported $557M in total assets. Deposits grew 5.65% over the prior year.
Return on assets was 1.94%, compared with an asset-peer median of 1.22%. The leverage ratio was 15.19%.
- Why is CRE Concentration to Capital below asset peers?
- Why is Tier 1 Leverage Ratio above asset peers?
- Why is Return on Assets above asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$423M
+5.7%y/y
Percentile by value48th percentileby value
FDIC
DEP$443M
+0.4%y/y
Percentile by value70th percentileby value
FDIC
LNLSNET1.94%
+120 bpsy/y
Peer standing86th percentile
FDIC
NETINC + ROA70.61%
−1,464 bpsy/y
Peer standing28th percentile
FDIC
NONIX + NIM + NONII + EEFFR15.19%
−60 bpsy/y
Peer standing91st percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,446 banks from $300 million to $1 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $463M | $384M |
| Q3 2021 | $468M | $390M |
| Q4 2021 | $466M | $388M |
| Q1 2022 | $476M | $402M |
| Q2 2022 | $463M | $388M |
| Q3 2022 | $460M | $387M |
| Q4 2022 | $535M | $382M |
| Q1 2023 | $545M | $383M |
| Q2 2023 | $554M | $388M |
| Q3 2023 | $547M | $398M |
| Q4 2023 | $548M | $389M |
| Q1 2024 | $550M | $384M |
| Q2 2024 | $557M | $385M |
| Q3 2024 | $550M | $407M |
| Q4 2024 | $536M | $391M |
| Q1 2025 | $543M | $400M |
| Q2 2025 | $552M | $407M |
| Q3 2025 | $552M | $407M |
| Q4 2025 | $560M | $423M |
| Q1 2026 | $557M | $423M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $45.4M |
| Investor CRE | $16.3M |
| Multifamily | $6.29M |
| Construction | $18M |
| 1–4 family | $323M |
| C&I | $36.2M |
| Agriculture | $948K |
| Other | $3.56M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.94%86th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.42%Median 1.22%90th 2.15%Observations 1,446
ROE
FDIC
NETINC + ROE12.82%55th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.97%Median 12.06%90th 20.86%Observations 1,446
NIM
FDIC
NIM + NIMY4.04%61st percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.98%Median 3.83%90th 4.76%Observations 1,449
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR70.61%28th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.95%Median 62.41%90th 83.12%Observations 1,446
Deposits YoY
FDIC
DEP+5.65%60th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.49%Median +4.15%90th +13.95%Observations 1,446
Loans YoY
FDIC
LNLSNET+0.43%21st percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.18%Median +5.90%90th +17.62%Observations 1,442
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.38%52nd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.42%90th 2.12%Observations 1,443
Leverage
FDIC
RBC1AAJ15.19%91st percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.81%Median 10.64%90th 14.93%Observations 1,449
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.18%16th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.44%90th 3.46%Observations 1,443
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC44%10th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 44%Median 170%90th 317%Observations 861
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.94%78th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.68%Median 1.38%90th 2.34%Observations 198
ROE
FDIC
NETINC + ROE12.82%42nd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 6.24%Median 13.82%90th 23.25%Observations 198
NIM
FDIC
NIM + NIMY4.04%52nd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.26%Median 4.01%90th 4.90%Observations 198
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR70.61%18th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 43.04%Median 58.86%90th 76.72%Observations 198
Deposits YoY
FDIC
DEP+5.65%57th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.58%Median +4.12%90th +13.39%Observations 197
Loans YoY
FDIC
LNLSNET+0.43%17th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −0.75%Median +6.28%90th +19.25%Observations 195
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.38%52nd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.42%90th 2.31%Observations 195
Leverage
FDIC
RBC1AAJ15.19%94th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.24%Median 10.68%90th 14.69%Observations 198
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.18%18th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.69%Median 2.46%90th 3.44%Observations 197
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC44%15th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 33%Median 142%90th 319%Observations 108
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.94%71st percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 1.08%Median 1.62%90th 2.59%Observations 66
ROE
FDIC
NETINC + ROE12.82%26th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 10.23%Median 16.20%90th 25.03%Observations 66
NIM
FDIC
NIM + NIMY4.04%42nd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.52%Median 4.12%90th 4.66%Observations 66
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR70.61%8th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 41.94%Median 56.66%90th 69.91%Observations 66
Deposits YoY
FDIC
DEP+5.65%52nd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −0.66%Median +5.30%90th +13.07%Observations 66
Loans YoY
FDIC
LNLSNET+0.43%13th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +0.01%Median +5.68%90th +14.48%Observations 65
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.38%50th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.02%Median 0.38%90th 2.35%Observations 65
Leverage
FDIC
RBC1AAJ15.19%95th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.84%Median 10.29%90th 14.32%Observations 66
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.18%15th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.73%Median 2.52%90th 3.38%Observations 66
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC44%13th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 44%Median 193%90th 316%Observations 31
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 9 branches
- Headquarters
- St. Charles, MO
FDIC
OFFDOMOpen the Missouri dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data