Bank · FDIC insured
First State Community Bank
A $4.5B bank, the 301st largest of 4,207, headquartered in Farmington, MO, with 51 branches in Missouri. Best rates: savings 0.35% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: published rates need another account or activity, so they are not scored. Auto loans: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all). Credit cards: no rates found on its website.
- CDs—4.01%CD rates →
- Savings752.63%at $100,000Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First State Community Bank
Founded in 1954 when B.H. Jennings saw a need for locally-owned banking services in Southeast Missouri, First State Community Bank began by gathering local investors.
The institution was originally formed as First State Bank before becoming known as First State Community Bank.
- Headquarters
- 201 E Columbia St, Farmington, MO 63640
- FDIC certificate
- 17323 ↗
Branches
51 branches in Missouri
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Missouri
51 branches
St. Louis area · 14
- Desoto Branch328 N Main St, De Soto, MO 63020Directions
- Desoto Branch - 21801 Old Boyd St, De Soto, MO 63020Directions
- Festus Branch1450 Parkway W, Festus, MO 63028Directions
- Gerald Facility340 S Main St, Gerald, MO 63037Directions
- Hillsboro Branch4767 State Road B, Hillsboro, MO 63050Directions
- Imperial Facility6021 W Outer Rd, Imperial, MO 63052Directions
- Shady Valley Facility Branch4551 Highway 21, Imperial, MO 63052Directions
- Dutzow Branch11728 Bluff Rd, Marthasville, MO 63357Directions
- Pacific Branch302 W Saint Louis St, Pacific, MO 63069Directions
- Sullivan Branch3 E Springfield Rd, Sullivan, MO 63080Directions
- Warrenton Branch1022 N State Highway 47, Warrenton, MO 63383Directions
- Warrenton Facility607 North Highway 47, Warrenton, MO 63383Directions
- Washington Branch1801 Bedford Center Dr, Washington, MO 63090Directions
- Wright City Branch20 Wildcat Dr, Wright City, MO 63390Directions
Farmington area · 9
- First State Community BankMain office201 E Columbia St, Farmington, MO 63640Directions
- Bonne Terre Branch20 E School St, Bonne Terre, MO 63628Directions
- Terre Du Lac Facility74 Rue Terre Bonne, Bonne Terre, MO 63628Directions
- Desloge Branch1135 N Desloge Dr, Desloge, MO 63601Directions
- Black Knight Branch1 Black Knight Dr, Farmington, MO 63640Directions
- Karsch Branch702 N Washington St, Farmington, MO 63640Directions
- Maple Valley Branch775 Maple Valley Dr, Farmington, MO 63640Directions
- Bank Star Of The Leadbelt Branch365 W Main St, Park Hills, MO 63601Directions
- Park Hills Branch1401 S Saint Joe Dr, Park Hills, MO 63601Directions
Columbia area · 4
- Boonville Branch412 Main St, Boonville, MO 65233Directions
- Columbia - Bethel Banking Center300 Diego Dr, Columbia, MO 65203Directions
- Columbia - Clark Lane Banking Center3200 Golden Bear Dr, Columbia, MO 65202Directions
- Columbia Discovery Park Branch3601 Endeavor Ave, Columbia, MO 65201Directions
Cape Girardeau area · 3
- Cape Giradeau Branch1602 N Kingshighway St, Cape Girardeau, MO 63701Directions
- Cape Girardeau Branch2527 William St, Cape Girardeau, MO 63703Directions
- Jackson Branch320 W Main St, Jackson, MO 63755Directions
Lebanon area · 3
- Conway Branch602 West Jefferson Avenue, Conway, MO 65632Directions
- Lebanon -South Facility1419 S Jefferson Ave, Lebanon, MO 65536Directions
- Lebanon Branch101 W Commercial St, Lebanon, MO 65536Directions
Ironton area · 2
- Drive-In Branch110 W Russell St, Ironton, MO 63650Directions
- Ironton Branch231 S Main St, Ironton, MO 63650Directions
Kennett area · 2
- Kennett Branch114 Independence Ave, Kennett, MO 63857Directions
- Malden Branch1214 N Douglass St, Malden, MO 63863Directions
Fredericktown area · 1
- Fredericktown Branch713 W Main St, Fredericktown, MO 63645Directions
Hayti area · 1
- Hayti Branch1015 E Highway 84, Hayti, MO 63851Directions
Hermann area · 1
- Hermann Facility208 E 1st St, Hermann, MO 65041Directions
Macon area · 1
- Macon Branch1612 Maffry Ave, Macon, MO 63552Directions
Marshall area · 1
- Marshall Branch1035 Cherokee Dr, Marshall, MO 65340Directions
Mexico area · 1
- Mexico Branch912 E. Liberty, Mexico, MO 65265Directions
Moberly area · 1
- Moberly Branch420 N Morley St, Moberly, MO 65270Directions
Perryville area · 1
- Perryville Branch406 N Perryville Blvd, Perryville, MO 63775Directions
Portageville area · 1
- Portageville Branch200 E Main St, Portageville, MO 63873Directions
Potosi area · 1
- Potosi Branch100 Hwy P, Suite A, Potosi, MO 63664Directions
Fort Leonard Wood area · 1
- Richland Branch301 W Washington Ave, Richland, MO 65556Directions
Rolla area · 1
- Rolla Main Branch210 W 8th St, Rolla, MO 65401Directions
Sikeston area · 1
- Sikeston Branch201 N Main St, Sikeston, MO 63801Directions
Ste. Genevieve area · 1
- Ste Genevieve-Plaza Branch710 Parkwood Dr, Ste. Genevieve, MO 63670Directions
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 | 11.68% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 1.07% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.82% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $91 | $88 | — |
- CapitalLeverage ratio11.68%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent1.07%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.82%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$91Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 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 Community Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.