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First State Bank of St. Charles, Missouri


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/9/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/9/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/9/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/9/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/9/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/9/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.fsbfinancial.com
636-940-5555
206 North Fifth Street
St. Charles, MO 63301

First State Bank of St. Charles, Missouri is headquartered in ST. CHARLES and is the 65th largest bank in the state of Missouri. It is also the 1,700th largest bank in the nation. It was established in 1867 and as of March of 2025, it had grown to 177 employees at 9 locations. First State Bank of St. Charles, Missouri's money market rates are 9X the national average, and it boasts an A+ health rating.

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Health
A+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #12219
Year Established1867
Employees177
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.74%
Return on Equity - YTD4.95%
Annual Interest Income$7MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$542.6MM$549.9MM
LoansQ1 2025vs Q1 2024$441.2MM$458.7MM
DepositsQ1 2025vs Q1 2024$400.2MM$384MM
Equity CapitalQ1 2025vs Q1 2024$81.1MM$75.7MM
Loan Loss AllowanceQ1 2025vs Q1 2024$6.6MM$6.8MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$1.5MM$1.9MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/9/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/9/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/9/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/9/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/9/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/9/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First State Bank of St. Charles, Missouri Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.05%*$25k*-Health Savings Account
OTHER TIERS: 0.50% → $0 - $2.5k | 0.80% → $2.5k - $10k | 0.90% → $10k - $25k
0.40%$0-Regular Savings
0.40%$0-Next Generation Savings
0.40%$0-Corporate Savings

First State Bank of St. Charles, Missouri Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.90%*$50k*-Money Market Account Special-6 Month Guarantee Rate
OTHER TIERS: 3.65% → $25k - $50k
0.85%*$200k*-Money Market Account
OTHER TIERS: 0.60% → $0 - $50k | 0.65% → $50k - $200k
0.85%*$200k*-Business Money Market Account
OTHER TIERS: 0.60% → $0 - $50k | 0.65% → $50k - $200k

First State Bank of St. Charles, Missouri Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$0-NOW Account
0.50%$0-Business Now Checking

First State Bank of St. Charles, Missouri CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.10%$5k-5 Month CD Special
4.00%$5k-7 Month CD Special
3.90%$5k-13 Month CD Special
2.90%$1k-24 Month CD
2.65%$1k-18 Month CD
2.50%$1k-12 Month CD
2.40%$1k-6 Month CD
1.65%$1k-3 Month CD

First State Bank of St. Charles, Missouri IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.90%$1k-24 Month IRA
2.65%$1k-18 Month IRA
2.50%$1k-12 Month IRA
2.40%$1k-6 Month IRA
1.65%$1k-3 Month IRA
0.80%$0-IRA Savings
Locations


First State Bank of St. Charles, Missouri Locations
Hwy 94 Facility1501 Old Highway 94 SouthSaint Charles, MO 63303
Chesterfield Facility17050 Baxter RoadChesterfield, MO 63005
St. Charles Facility206 N 5th StSt. Charles, MO 63301
O'Fallon Facility300 Woodlawn AvenueO'Fallon, MO 63366
Lake St. Louis Facility3461 Technology DriveLake Saint Louis, MO 63367
Overland Park Facility Branch6800 College BlvdLeawood, KS 66211

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