TellerScore

Headquartered in Farmington, Missouri, First State Community Bank is a state-chartered bank with $4.5B in total assets and $3.8B in deposits as of Q2 2026. It operates 53 offices. Its charter dates back to 1954.

Based on its Q2 2026 filing, First State Community Bank scores 73/100, which we describe as strong. That is higher than 70% of 897 banks with $1 billion – $10 billion. Among 194 banks headquartered in Missouri, it ranks 89th. Its strongest component is earnings (93/100; 1.82%), and its lowest is funding & liquidity (61/100; 90% loans-to-deposits, 23% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion67/100
Tier 1 leverage ratio: 11.68%
Loan quality64/100
Noncurrent loans ÷ total loans: 1.07%
Earnings93/100
Return on assets (annualized): 1.82%
Funding & liquidity61/100
Loans ÷ deposits and uninsured-deposit share: 90.4% · 23.0% uninsured
Problem-loan coverage87/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 6.56%

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 fell 4 points (77 → 73), mostly because the loan quality component weakened by 19 points.

TellerScore
727578Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202476
Q3 202476
Q4 202478
Q1 202577
Q2 202577
Q3 202576
Q4 202577
Q1 202672
Q2 202673
Tier 1 leverage ratio
5.00%8.40%11.80%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.22%
Q3 202411.42%
Q4 202411.61%
Q1 202511.21%
Q2 202511.36%
Q3 202511.58%
Q4 202511.80%
Q1 202611.45%
Q2 202611.68%
Noncurrent loans
0.31%0.69%1.07%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.37%
Q3 20240.36%
Q4 20240.31%
Q1 20250.39%
Q2 20250.51%
Q3 20250.58%
Q4 20250.58%
Q1 20261.03%
Q2 20261.07%
Return on assets
1.51%1.67%1.82%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.51%
Q3 20241.55%
Q4 20241.58%
Q1 20251.72%
Q2 20251.75%
Q3 20251.76%
Q4 20251.74%
Q1 20261.73%
Q2 20261.82%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$4.5B11.68%1.07%1.82%90.4%
Q1 202672$4.5B11.45%1.03%1.73%89.2%
Q4 202577$4.5B11.80%0.58%1.74%88.7%
Q3 202576$4.3B11.58%0.58%1.76%91.0%
Q2 202577$4.2B11.36%0.51%1.75%89.4%
Q1 202577$4.2B11.21%0.39%1.72%88.0%
Q4 202478$4.2B11.61%0.31%1.58%87.1%
Q3 202476$4.0B11.42%0.36%1.55%88.7%
Q2 202476$4.0B11.22%0.37%1.51%87.3%

897 peers · $1 billion – $10 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 ratio11.68%
73rd
Total risk-based capital15.43%
72nd
Problem loans1.07%
25th
Net charge-offs0.12%
27th
Return on assets1.82%
83rd
Net interest margin3.83%
58th
Efficiency ratio48.8%
79th
Loans to deposits90.4%
39th
Uninsured deposits23.0%
76th
Loan-loss reserves1.07%
41st
Texas ratio6.6%
29th

Similar-size banks in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
The Bank of MissouriBank Perryville, MO55 out of 100, Moderate$4.2B9.6%1.53%vs
Southern BankBank Poplar Bluff, MO70 out of 100, Strong$5.2B10.4%0.63%vs
Great Southern BankBank Reeds Spring, MO73 out of 100, Strong$5.5B11.3%0.02%vs
Oakstar BankBank Springfield, MO69 out of 100, Moderate$3.3B9.8%0.48%vs
Academy Bank, National AssociationBank Kansas City, MO73 out of 100, Strong$3.2B14.3%1.05%vs
North American Savings Bank, F.S.B.Bank Grandview, MO76 out of 100, Strong$3.2B14.2%0.90%vs

Deposit insurance

Is my money safe at First State Community Bank?

Yes. First State Community Bank is an FDIC-insured institution (FDIC certificate #17323). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 23.0% of deposits ($868.0M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.68%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.43% (benchmark: 10%).

Check how much of your own balance is covered

53 locations

Branches

First State Community Bank lists 48 offices in 38 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First State Community Bank reported 2,872 home-loan applications under HMDA (LEI 549300F04B6FGYBJY412): 1,949 originated ($441,495,000 total), 364 denied, and 510 withdrawn or closed by the applicant. Its denial rate on decided applications was 15.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
First State Community Bank
Former names
First State Bank of Farmington
Type
State-chartered bank
FDIC certificate #
17323
RSSD ID
707354
Primary regulator
FDIC
Holding company
First State Bancshares Inc
Established
May 11, 1954
Headquarters
201 E Columbia St, Farmington, MO 63640
Employees
703

Quick answers

First State Community Bank: common questions

Is First State Community Bank FDIC insured?

Yes. First State Community Bank is an FDIC-insured institution (FDIC certificate #17323). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First State Community Bank's TellerScore?

73 out of 100 (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 Community Bank ever failed?

There is no failure record for FDIC certificate #17323 in the FDIC failed bank list.

How many branches does First State Community Bank have?

53 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Farmington

InstitutionScoreAssetsCapitalProblem loansCompare
New Era BankBank Fredericktown, MO95 out of 100, Very strong$453.1M14.0%0.02%vs
Ozarks Federal Savings and Loan AssociationBank Farmington, MO76 out of 100, Strong$277.2M15.1%0.95%vs
Belgrade State BankBank Belgrade, MO74 out of 100, Strong$548.0M10.1%0.35%vs
Great Southern BankBank Reeds Spring, MO73 out of 100, Strong$5.5B11.3%0.02%vs
Bloomsdale BankBank Bloomsdale, MO73 out of 100, Strong$390.2M8.9%0.30%vs
Southeast Missouri Community Credit UnionCredit union Park Hills, MO68 out of 100, Moderate$6.4M8.7%0.18%vs