First State Bank Of St. Charles, Missouri is a bank based in St. Charles, Missouri, established in 1867, with $557 million in total assets across 9 branches. By Trust Grade it ranks 14th of 195 banks we track in Missouri. Its capital ratio of 14.9% is stronger than 89% of similarly sized banks, versus a Missouri median of 10.3%. It was profitable over the most recent period, with a 1.94% return on assets. No consumer complaints against First State Bank Of St. Charles, Missouri appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How First State Bank Of St. Charles, Missouri compares to Missouri peers
How we graded First State Bank Of St. Charles, Missouri
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (14.9% capital ratio)
- Strongly profitable (ROA 1.94%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for First State Bank Of St. Charles, Missouri over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (9)
- 1501 S Old Highway 94, Saint Charles, MO 63303
- 300 Woodlawn Ave, O'Fallon, MO 63366
- 3461 Technology Dr, Lake Saint Louis, MO 63367
- 2850 W Clay St, Saint Charles, MO 63301
- 17050 Baxter Rd, Chesterfield, MO 63005
- 1639 Ne Douglas St, Lees Summit, MO 64086
- 6800 College Blvd, Leawood, KS 66211
- 6800 College Blvd, Leawood, KS 66211
- 206 N 5th St, St. Charles, MO 63301
Are deposits at First State Bank Of St. Charles, Missouri insured?
Yes. First State Bank Of St. Charles, Missouri is an FDIC-insured bank (FDIC certificate #12219). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
First State Bank Of St. Charles, Missouri: frequently asked questions
Is First State Bank Of St. Charles, Missouri a good bank?
First State Bank Of St. Charles, Missouri earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (14.9% capital ratio); Strongly profitable (ROA 1.94%).
Is First State Bank Of St. Charles, Missouri FDIC-insured?
Yes. First State Bank Of St. Charles, Missouri is a FDIC-insured bank (FDIC certificate #12219). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is First State Bank Of St. Charles, Missouri?
First State Bank Of St. Charles, Missouri holds $557 million in total assets, ranking 14th of 195 banks we track in Missouri. It operates 9 branches.
Does First State Bank Of St. Charles, Missouri have CFPB complaints?
No CFPB complaints against First State Bank Of St. Charles, Missouri appear in our data over the analysis window, which is typical for a bank of this size.
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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
