First State Bank of St. Charles, Missouri


Overview / Commentary
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 63rd largest bank in the state of Missouri. It is also the 1,674th largest bank in the nation. It was established in 1867 and as of March of 2024, it had grown to 178 employees at 9 locations. First State Bank of St. Charles, Missouri's money market rates are 9X the national average, and it has an A health rating.

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Health

Health Grade Components

Overall
FDIC Certificate #12219
Year Established1867
Employees178
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.9%
Return on Equity - YTD6.53%
Annual Interest Income$7MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$549.9MM$544.7MM
LoansQ1 2024vs Q1 2023$458.7MM$454.7MM
DepositsQ1 2024vs Q1 2023$384MM$383.3MM
Equity CapitalQ1 2024vs Q1 2023$75.7MM$71.6MM
Loan Loss AllowanceQ1 2024vs Q1 2023$6.8MM$6.7MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$1.9MM$546K
Real Estate OwnedQ1 2024vs Q1 2023$0$0
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
0.90%$0-IRA Savings
0.50%$0-Regular Savings
0.50%$0-Next Generation Savings
0.50%$0-Corporate Savings

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

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%*$50k*-Money Market Account Special-6 Month Guarantee Rate
OTHER TIERS: 3.75% $25k - $50k
0.95%*$200k*-Money Market Account
OTHER TIERS: 0.70% $0 - $50k | 0.75% $50k - $200k
0.95%*$200k*-Business Money Market Account
OTHER TIERS: 0.70% $0 - $50k | 0.75% $50k - $200k

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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%$0-NOW Account
0.60%$0-Business Now Checking

First State Bank of St. Charles, Missouri CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.15%$5k-5 Month CD Special
4.65%$5k-13 Month CD Special
4.50%$5k-7 Month CD Special
3.00%$1k-24 Month CD
2.75%$1k-18 Month CD
2.60%$1k-12 Month CD
2.50%$1k-6 Month CD
1.75%$1k-3 Month CD

First State Bank of St. Charles, Missouri IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%$1k-24 Month IRA
2.75%$1k-18 Month IRA
2.60%$1k-12 Month IRA
2.50%$1k-6 Month IRA
1.75%$1k-3 Month IRA
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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