Bank · FDIC insured
First State Bank of St. Charles
A $535.2M bank headquartered in St. Charles, MO, with 6 branches in 2 states. Best rates: CDs 4.05% and savings 0.60% APY.
First State Bank of St. Charles Carrot Score
80
Carrot Score
Higher than 52% of U.S. banks and credit unions
#41 of 79 in St. Louis, MO-IL metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First State Bank of St. Charles
Founded in 1867 as St. Charles Savings Bank, First State Bank was organized to give its community a safe place to store cash and secure loans.
The bank adopted the First State Bank name in 1967 and serves customers across Missouri and Kansas.
- Headquarters
- 206 N 5th St, St. Charles, MO 63301
- FDIC certificate
- 12219 ↗
Branches
6 branches in 2 states
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Missouri
5 branches
- First State Bank of St. Charles, MissouriMain office206 N 5th St, St. Charles, MO 63301Directions
- Chesterfield Facility17050 Baxter Rd, Chesterfield, MO 63005Directions
- Lake St. Louis Facility3461 Technology Dr, Lake St. Louis, MO 63367Directions
- O'Fallon Facility300 Woodlawn Ave, O'Fallon, MO 63366Directions
- Hwy 94 Facility1501 S Old Highway 94, St. Charles, MO 63303Directions
Kansas
1 branch
- Overland Park Facility Branch6800 College Blvd, Leawood, KS 66211Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 15.65% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.40% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.67% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $108 | $81 | — |
- CapitalLeverage ratio15.65%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.40%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.67%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$108Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First State Bank of St. Charles are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.