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BankSonar

First State Bank of St. Charles, Missouri

St. Charles, MO · State, non-member commercial bank

67

Sonar Score

Stable

out of 100 · from public FDIC data

Reported March 31, 2026. The Sonar Score is an informational signal from public FDIC data — not a rating or financial advice.

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Key figures

Total assets
$557.3M
Total deposits
$422.8M
Branches
9
Return on assets
1.94%
Return on equity
12.82%
Charter type
State, non-member commercial bank
Established
1867
FDIC cert #
12219

How the 67 breaks down

Capital adequacyweight 40%

Capital ratio not reported.

Profitability (ROA)weight 30%

Strong returns on its asset base.

Return on equityweight 15%

Efficient use of shareholder capital.

Scale & stabilityweight 15%

Community-scale institution.

Read the full Sonar Score methodology →

Your deposits at First State Bank of St. Charles, Missouri

First State Bank of St. Charles, Missouri is an FDIC-insured institution (Cert #12219). Deposits are insured up to $250,000 per depositor, per ownership category, by the full faith and credit of the US government. Learn how to maximize your coverage →

9 branch locations

1501 S Old Highway 94

Saint Charles, MO 63303

300 Woodlawn Ave

O'Fallon, MO 63366

3461 Technology Dr

Lake Saint Louis, MO 63367

2850 W Clay St

Saint Charles, MO 63301

17050 Baxter Rd

Chesterfield, MO 63005

1639 Ne Douglas St

Lees Summit, MO 64086

6800 College Blvd

Leawood, KS 66211

6800 College Blvd

Leawood, KS 66211

206 N 5th St

St. Charles, MO 63301

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