🏦Bank Scorer

FIRST STATE BANK OF ST. CHARLES, MISSOURI

ST. CHARLES, MO · Supervised by FDIC

Est. 1867FDIC #12,219RSSD: FDIC-12219
Part ofFIRST STATE BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: January 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.94%

Institution Profile

FDIC BankFind

Address

206 N 5th St, ST. CHARLES, MO

County

St. Charles County

Established

May 10, 1867

Total Assets

$557M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

January 1, 2025

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jan 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$557M

Total Deposits

$423M

Net Loans

$443M

Net Income

$3M

ROA

1.94%

ROE

12.82%

Risk-Based Capital

17.03%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate0.05%Peer avg: 7.63%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

6

Branch Deposits

$407M

1-Year Change

0

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20242,18399.54%0.05%
20232,52578.26%2.34%
20223,50980.14%2.37%
20217,95382.27%1.66%
20209,99382.73%1.81%
20195,33084.15%3.53%
20184,42680.21%4.74%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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