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BDI
FS

First State Bank of St. Charles, Missouri

St. Charles, MissouriFDIC Cert #12219

STATEEstablished 18679 branches

Holding company: FIRST STATE BANCSHARES INCRegulator: FDIC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
0.87%
−54.4%y/y
Peer standing31st percentile
Peer standing in asset:300m_1b
FDICP3ASSET + LNLSGR
90+ %
0.00%
−100.0%y/y
Peer standing100th percentile
Peer standing in asset:300m_1b
FDICP9ASSET + LNLSGR
Nonaccrual %
0.38%
+18.8%y/y
Peer standing47th percentile
Peer standing in asset:300m_1b
FDICNAASSET + LNLSGR
Noncurrent %
0.38%
+13.3%y/y
Peer standing52nd percentile
Peer standing in asset:300m_1b
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.35%
+25.9%y/y
Peer standing47th percentile
Peer standing in asset:300m_1b
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$1.96M
+29.3%y/y
Peer standing44th percentile
Peer standing in asset:300m_1b
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
−0.00%
−3.7%y/y
Peer standing74th percentile
Peer standing in asset:300m_1b
FDICNTLNLS + LNLSGR
NCO
−$1K
0.0%y/y
Peer standing77th percentile
Peer standing in asset:300m_1b
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
1.41%
−4.7%y/y
Percentile by value73rd percentileby value
Peer standing in asset:300m_1b
FDICLNATRES + LNLSGR
30–89
$3.92M
−54.2%y/y
Peer standing23rd percentile
Peer standing in asset:300m_1b
FDICP3ASSET
90+
$0
−100.0%y/y
Peer standing100th percentile
Peer standing in asset:300m_1b
FDICP9ASSET
Nonaccrual
$1.72M
+19.2%y/y
Peer standing40th percentile
Peer standing in asset:300m_1b
FDICNAASSET