First State Bank of St. Charles, Missouri
St. Charles, MO · Owner: First State Bancshares Inc
$535M
total assets, June 30, 2026
$535M
total assets, June 30, 2026
First State Bank of St. Charles, Missouri is a state nonmember bank based in St. Charles, MO, owned by First State Bancshares Inc. As of June 30, 2026 it held $535.2 million in assets and $400.8 million in deposits; assets were down 3.0% from a year before. It has 6 branches in 2 states.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$535M
-3.0% in a year · -4.0% in a quarter
Deposits
$401M
-1.6% in a year · -5.2% in a quarter
Loans
$431M
-2.6% in a year · -4.0% in a quarter
Profit so far
$4.6M
Jan 1 to Jun 30, 2026 · +60.6% in a year
Capital ratio
15.65%
+0.11 pts in a year
Return on assets
1.67%
+0.62 pts in a year
Facts
- Type
- State nonmember bank
- Head office
- 206 N 5th St, St. Charles, MO, 63301
- County
- St. Charles
- Holding company
- First State Bancshares Inc
- Established
- May 10, 1867
- Employees
- 180
- Branches
- 6 in 2 states
- Website
- www.fsbfinancial.com
- Id
- b12219
Quarter by quarter
March 31, 1984 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
6 offices as of June 30, 2026, holding $400.8 million in deposits
Branch map
Every branch, sized by its deposits
| Largest branches | Place | Deposits |
|---|---|---|
| First State Bank Of St. Charles, Missouri (main office) | St. Charles, MO | $228M |
| Lake St. Louis Facility | Lake Saint Louis, MO | $54.4M |
| O'Fallon Facility | O'Fallon, MO | $52.5M |
| Hwy 94 Facility | Saint Charles, MO | $37.6M |
| Chesterfield Facility | Chesterfield, MO | $18.0M |
| Overland Park Facility Branch | Leawood, KS | $10.0M |
Related pages
Questions and answers
How big is First State Bank of St. Charles, Missouri?
$535.2 million in total assets and $400.8 million in deposits as of June 30, 2026, with assets down 3.0% from a year before. Its loans were $431.5 million.
How many branches does First State Bank of St. Charles, Missouri have?
6 branches in 2 states as of June 30, 2026. The most deposits are in Missouri ($390.8 million).
Is First State Bank of St. Charles, Missouri profitable?
Yes: it earned $4.59 million from January 1 to June 30, 2026 (up 60.6% from the same months a year before). Its return on assets was 1.67% a year; about 1% is typical.
Who owns First State Bank of St. Charles, Missouri?
First State Bank of St. Charles, Missouri is owned by First State Bancshares Inc, its holding company.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.