TellerScore

First State Bank of St. Charles, Missouri (FDIC certificate #12219) is based in St. Charles, Missouri. Its Q2 2026 call report shows $535.2M in total assets and $400.8M in deposits and 9 offices across 2 states.

First State Bank of St. Charles, Missouri has a TellerScore of 85 out of 100 (very strong) based on Q2 2026 data — higher than 88% of its 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 18th. Capital cushion contributes the most (100/100, 15.65%); funding & liquidity contributes the least (43/100, 106% loans-to-deposits, 25% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 15.65%
Loan quality87/100
Noncurrent loans ÷ total loans: 0.40%
Earnings87/100
Return on assets (annualized): 1.67%
Funding & liquidity43/100
Loans ÷ deposits and uninsured-deposit share: 106.1% · 25.3% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.18%

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 8 points (77 → 85), mostly because the earnings component improved by 25 points.

TellerScore
778287Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202479
Q3 202483
Q4 202483
Q1 202578
Q2 202577
Q3 202580
Q4 202582
Q1 202687
Q2 202685
Tier 1 leverage ratio
5.00%10.39%15.79%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202414.60%
Q3 202414.85%
Q4 202415.17%
Q1 202515.79%
Q2 202515.53%
Q3 202515.60%
Q4 202515.44%
Q1 202615.19%
Q2 202615.65%
Noncurrent loans
0.20%0.46%0.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.44%
Q3 20240.20%
Q4 20240.27%
Q1 20250.34%
Q2 20250.72%
Q3 20250.57%
Q4 20250.35%
Q1 20260.38%
Q2 20260.40%
Return on assets
0.74%1.34%1.94%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.18%
Q3 20241.25%
Q4 20241.26%
Q1 20250.74%
Q2 20251.05%
Q3 20251.22%
Q4 20251.31%
Q1 20261.94%
Q2 20261.67%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202685$535.2M15.65%0.40%1.67%106.1%
Q1 202687$557.3M15.19%0.38%1.94%104.8%
Q4 202582$560.3M15.44%0.35%1.31%103.4%
Q3 202580$551.6M15.60%0.57%1.22%105.4%
Q2 202577$551.7M15.53%0.72%1.05%107.1%
Q1 202578$542.6M15.79%0.34%0.74%110.2%
Q4 202483$536.3M15.17%0.27%1.26%113.0%
Q3 202483$549.7M14.85%0.20%1.25%112.3%
Q2 202479$557.3M14.60%0.44%1.18%121.5%

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).

Capital ratio15.65%
89th
Total risk-based capital17.01%
78th
Problem loans0.40%
51st
Net charge-offs-0.00%
78th
Return on assets1.67%
74th
Net interest margin4.14%
62nd
Efficiency ratio75.9%
19th
Loans to deposits106.1%
5th
Uninsured deposits25.3%
45th
Loan-loss reserves1.47%
77th
Texas ratio2.2%
56th

Similar-size banks in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
Belgrade State BankBank Belgrade, MO74 out of 100, Strong$548.0M10.1%0.35%vs
Connections BankBank Platte City, MO78 out of 100, Strong$516.6M9.8%0.00%vs
The Callaway BankBank Fulton, MO67 out of 100, Moderate$511.5M10.1%0.78%vs
The Bank of AdvanceBank Advance, MO81 out of 100, Strong$509.9M13.0%0.75%vs
Farmers Bank of Northern MissouriBank Unionville, MO83 out of 100, Strong$566.5M12.7%0.26%vs
UNICO BankBank Mineral Point, MO47 out of 100, Below average$502.6M8.9%2.55%vs

Deposit insurance

Is my money safe at First State Bank of St. Charles, Missouri?

Yes. First State Bank of St. Charles, Missouri is an FDIC-insured institution (FDIC certificate #12219). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 25.3% of deposits ($101.5M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 15.65%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.01% (benchmark: 10%).

Check how much of your own balance is covered

9 locations

Branches

First State Bank of St. Charles, Missouri lists 6 offices in 6 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
First State Bank of St. Charles, Missouri
Type
State-chartered bank
FDIC certificate #
12219
RSSD ID
345756
Primary regulator
FDIC
Holding company
First State Bancshares Inc
Established
May 10, 1867
Headquarters
206 N 5th St, St. Charles, MO 63301
Employees
180

Quick answers

First State Bank of St. Charles, Missouri: common questions

Is First State Bank of St. Charles, Missouri FDIC insured?

Yes. First State Bank of St. Charles, Missouri is an FDIC-insured institution (FDIC certificate #12219). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First State Bank of St. Charles, Missouri's TellerScore?

85 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First State Bank of St. Charles, Missouri ever failed?

There is no failure record for FDIC certificate #12219 in the FDIC failed bank list.

How many branches does First State Bank of St. Charles, Missouri have?

9 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near St. Charles

InstitutionScoreAssetsCapitalProblem loansCompare
Edward Jones Trust CompanyBank Saint Louis, MO94 out of 100, Very strong$160.5M98.2%0.00%vs
Lindell Bank & Trust CompanyBank St. Louis, MO92 out of 100, Very strong$915.2M18.0%0.58%vs
Co - Lib Credit UnionCredit union Saint Louis, MO91 out of 100, Very strong$1.4M15.5%0.82%vs
Bank of KampsvilleBank Kampsville, IL91 out of 100, Very strong$134.1M17.4%0.01%vs
State Employees Community Credit UnionCredit union Alton, IL89 out of 100, Very strong$6.7M20.0%0.00%vs
Division #6 Highway Credit UnionCredit union Chesterfield, MO88 out of 100, Very strong$15.7M17.9%0.24%vs