1st Advantage Bank is a state-chartered bank headquartered in Saint Peters, Missouri, in business for about 21 years. At the end of Q2 2026 it reported $212.0M in total assets and $190.9M in deposits, with 1 office.
Based on its Q2 2026 filing, 1st Advantage Bank scores 68/100, which we describe as moderate. That is higher than only 37% of 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 122nd. Its strongest component is problem-loan coverage (98/100; 1.0%), and its lowest is funding & liquidity (49/100; 85% loans-to-deposits, 39% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 21 points (47 → 68), mostly because the earnings component improved by 41 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 71 |
| Q3 2024 | 73 |
| Q4 2024 | 70 |
| Q1 2025 | 51 |
| Q2 2025 | 47 |
| Q3 2025 | 48 |
| Q4 2025 | 57 |
| Q1 2026 | 67 |
| Q2 2026 | 68 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.60% |
| Q3 2024 | 10.52% |
| Q4 2024 | 9.89% |
| Q1 2025 | 10.06% |
| Q2 2025 | 9.77% |
| Q3 2025 | 9.11% |
| Q4 2025 | 8.99% |
| Q1 2026 | 9.31% |
| Q2 2026 | 9.88% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 1.31% |
| Q2 2025 | 1.29% |
| Q3 2025 | 1.30% |
| Q4 2025 | 0.33% |
| Q1 2026 | 0.05% |
| Q2 2026 | 0.14% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.07% |
| Q3 2024 | 1.11% |
| Q4 2024 | 1.11% |
| Q1 2025 | 0.35% |
| Q2 2025 | 0.04% |
| Q3 2025 | 0.28% |
| Q4 2025 | 0.26% |
| Q1 2026 | 1.05% |
| Q2 2026 | 1.05% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 68 | $212.0M | 9.88% | 0.14% | 1.05% | 84.9% |
| Q1 2026 | 67 | $206.1M | 9.31% | 0.05% | 1.05% | 92.2% |
| Q4 2025 | 57 | $215.6M | 8.99% | 0.33% | 0.26% | 89.2% |
| Q3 2025 | 48 | $208.8M | 9.11% | 1.30% | 0.28% | 95.5% |
| Q2 2025 | 47 | $201.0M | 9.77% | 1.29% | 0.04% | 100.9% |
| Q1 2025 | 51 | $182.3M | 10.06% | 1.31% | 0.35% | 99.8% |
| Q4 2024 | 70 | $183.8M | 9.89% | 0.00% | 1.11% | 95.2% |
| Q3 2024 | 73 | $181.4M | 10.52% | 0.00% | 1.11% | 89.7% |
| Q2 2024 | 71 | $170.1M | 10.60% | 0.00% | 1.07% | 96.4% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Corner Stone BankBank South West City, MO | 67 out of 100, Moderate | $211.4M | 12.2% | 1.72% | vs |
| Bank NorthwestBank Hamilton, MO | 77 out of 100, Strong | $210.3M | 9.7% | 0.16% | vs |
| Carroll County Trust Company of Carrollton, MissouriBank Carrollton, MO | 61 out of 100, Moderate | $207.6M | 9.0% | 0.61% | vs |
| The Citizens-Farmers Bank of Cole CampBank Cole Camp, MO | 85 out of 100, Very strong | $207.0M | 14.8% | 1.35% | vs |
| FCNB BankBank Steelville, MO | 67 out of 100, Moderate | $220.4M | 8.1% | 0.00% | vs |
| Bank 21Bank Carrollton, MO | 79 out of 100, Strong | $202.1M | 11.5% | 0.05% | vs |
Deposit insurance
Is my money safe at 1st Advantage Bank?
Yes. 1st Advantage Bank is an FDIC-insured institution (FDIC certificate #57899). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 38.6% of deposits ($73.7M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.88%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
1st Advantage Bank lists 1 office in 1 city. Most locations:
- Saint Peters, MO (1)
Identity & history
Profile
- Legal name
- 1st Advantage Bank
- Former names
- Advantage Bank
- Type
- State-chartered bank
- FDIC certificate #
- 57899
- RSSD ID
- 3317192
- Primary regulator
- FDIC
- Holding company
- Banc Investors Llc
- Established
- January 31, 2005
- Headquarters
- 240 Salt Lick Rd, Saint Peters, MO 63376
- Website
- www.1stadvantagebank.com
- Employees
- 26
Quick answers
1st Advantage Bank: common questions
Is 1st Advantage Bank FDIC insured?
Yes. 1st Advantage Bank is an FDIC-insured institution (FDIC certificate #57899). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is 1st Advantage Bank's TellerScore?
68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has 1st Advantage Bank ever failed?
There is no failure record for FDIC certificate #57899 in the FDIC failed bank list.
How many branches does 1st Advantage Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Saint Peters
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Edward Jones Trust CompanyBank Saint Louis, MO | 94 out of 100, Very strong | $160.5M | 98.2% | 0.00% | vs |
| Lindell Bank & Trust CompanyBank St. Louis, MO | 92 out of 100, Very strong | $915.2M | 18.0% | 0.58% | vs |
| Bank of KampsvilleBank Kampsville, IL | 91 out of 100, Very strong | $134.1M | 17.4% | 0.01% | vs |
| Co - Lib Credit UnionCredit union Saint Louis, MO | 91 out of 100, Very strong | $1.4M | 15.5% | 0.82% | vs |
| Division #6 Highway Credit UnionCredit union Chesterfield, MO | 88 out of 100, Very strong | $15.7M | 17.9% | 0.24% | vs |
| The Missouri BankBank Warrenton, MO | 88 out of 100, Very strong | $461.5M | 12.6% | 0.13% | vs |