Total Assets
$560M
Total balance-sheet footings
FDIC Cert #12219 · St. Charles, Missouri · Est. 1867
First State Bank of St. Charles, Missouri - FDIC Bank Health Profile
A community-scale look at First State Bank of St. Charles, Missouri's own numbers, pulled straight from its quarterly FDIC Call Report.
- $560M
- Total assets
- A
- Health grade · Excellent
- 1.31%
- Return on assets
- 16.4%
- Tier 1 capital
Data updated July 2026
The verdict
First State Bank of St. Charles, Missouri earns a PlainBankData health grade of A (84/100), with well-capitalized at 16.40% Tier 1, profitable at 1.31% ROA, 78% efficiency ratio.
- #1,651
- largest of 4,313 FDIC banks by assets
- 62nd
- percentile by asset size, nationally
- 16.40%
- Tier 1 ratio - above the 10% well-capitalized line
- 64th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How First State Bank of St. Charles, Missouri's 84/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First State Bank of St. Charles, Missouri's composite health score
Tier 1 Capital Ratio (16.40%) 40/40
Return on Assets (ROA) (1.31%) 20/25
Texas Ratio (1.69%) 20/20
Efficiency Ratio (78.30%) 4/15
84 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$423M
Customer-funded liabilities
Net Loans
$438M
Outstanding loan book
Net Income
$7M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First State Bank of St. Charles, Missouri ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First State Bank of St. Charles, Missouri's score of 84/100 falls in the highlighted band.
First State Bank of St. Charles, Missouri's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First State Bank of St. Charles, Missouri's $560M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
16.40% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
16.40%
Texas Ratio
1.69%
Equity Capital
$86M
Profitability metrics
Return on Assets (ROA)
64th percentile nationally
1.31%
Return on Equity (ROE)
8.69%
Efficiency Ratio
78.30%
What the numbers say about First State Bank of St. Charles, Missouri
First State Bank of St. Charles, Missouri is an FDIC-insured institution (Certificate #12219) headquartered in St. Charles, Missouri, established in 1867. It holds $560M in total assets - 1,651st of 4,313 FDIC-insured banks, $423M in customer deposits, and $438M in net loans. Looking at capital strength, Tier 1 stands at 16.40%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 1.69%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (84/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Missouri, First State Bank of St. Charles, Missouri ranks 67th of 198 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$30M
Interest Income
$24M
Non-Interest Income
$34M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First State Bank of St. Charles, Missouri reports a Texas Ratio of 1.69% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.69% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Missouri by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First State Bank of St. Charles, Missouri (FDIC Cert #12219) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Missouri
All Missouri banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| UMB Bank, National AssociationKansas City | $72.8B | A | 1.01% |
| Commerce BankKansas City | $32.7B | A | 1.74% |
| The Central Trust BankJefferson City | $20.8B | A | 1.82% |
| Stifel Bank and TrustSaint Louis | $19.4B | A | 1.82% |
| Enterprise Bank & TrustClayton | $17.3B | B | 1.29% |
| Stifel BankSaint Louis | $11.7B | A | 1.49% |
| First BankSt. Louis | $6.7B | B | 0.51% |
| Great Southern BankReeds Spring | $5.6B | A | 1.31% |
Frequently asked questions
What is First State Bank of St. Charles, Missouri's health grade?▼
First State Bank of St. Charles, Missouri receives a health grade of A (84/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is First State Bank of St. Charles, Missouri?▼
First State Bank of St. Charles, Missouri holds $560M in total assets and $423M in deposits, ranking 1,651st of 4,313 FDIC-insured banks by asset size. It is headquartered in St. Charles, Missouri.
Is my money safe at First State Bank of St. Charles, Missouri?▼
Yes, deposits at First State Bank of St. Charles, Missouri (Certificate #12219) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First State Bank of St. Charles, Missouri's Tier 1 Capital Ratio?▼
First State Bank of St. Charles, Missouri has a Tier 1 Capital Ratio of 16.40%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for First State Bank of St. Charles, Missouri?▼
First State Bank of St. Charles, Missouri has a Texas Ratio of 1.69%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First State Bank of St. Charles, Missouri?▼
First State Bank of St. Charles, Missouri has an Efficiency Ratio of 78.30%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First State Bank of St. Charles, Missouri's profile as a depositor or analyst.
- First State Bank of St. Charles, Missouri's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First State Bank of St. Charles, Missouri against other Missouri banks before moving funds. Missouri banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.