$449M
+0.4%y/y
Percentile by value70th percentileby value
FDIC
LNLSGRFS
First State Bank of St. Charles, Missouri
St. Charles, MissouriFDIC Cert #12219
STATEEstablished 18679 branches
Holding company: FIRST STATE BANCSHARES INCRegulator: FDIC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
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 |
Loan book
Reported balances and balance-sheet intensity.
$443M
+0.4%y/y
Percentile by value70th percentileby value
FDIC
LNLSNET+0.43%
+111.2%y/y
Percentile by value21st percentileby value
FDIC
LNLSNET104.8%
−4.9%y/y
Percentile by value95th percentileby value
FDIC
LNLSNET + DEP79.5%
−2.2%y/y
Percentile by value83rd percentileby value
FDIC
LNLSNET + ASSET96.90%
−0.4%y/y
Percentile by value85th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
44%
−28.2%y/y
Percentile by value10th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC20%
−42.2%y/y
Percentile by value29th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC5,389points
+6.8%y/y
Peer standing4th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD10.10%
+4.1%y/y
Percentile by value40th percentileby value
FDIC
LNRENROW + LNLSGR3.62%
−6.5%y/y
Percentile by value12th percentileby value
FDIC
LNRENROT + LNLSGR8.05%
+2.4%y/y
Percentile by value41st percentileby value
FDIC
LNCI + LNLSGR