C
First State Bank of St. Charles, Missouri
Rating Date
October 2025
Risk Based
Capital Ratio
17.55
Leverage
Ratio
15.60
Return On
Assets
1.22%
Total
Assets
551.61M
Capital
84.41M
Total
Deposits
407.11M
Net
Income
4.98M
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Weiss Ratings First State Bank of St. Charles, Missouri
Saint Charles, MO 		Click to
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Rating C
Asset Quality Index 8.40
Capitalization Index 10.00
Liquidity Index 1.10
Profitability Index 5.90
Stability Index 4.30
Company Info First State Bank of St. Charles, Missouri
Saint Charles, MO 		Click to
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FDIC Number 12219
Phone Number (636) 940-5555
Website www.fsbfinancial.com
Asset Quality First State Bank of St. Charles, Missouri
Saint Charles, MO 		Click to
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1-Year Asset Growth 0.36%
5-Year Asset Growth 7.94%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.53%
Non-Performing Loans to Capital 2.98%
Non-Performing Loans to Loans 0.68%
Balance Sheet First State Bank of St. Charles, Missouri
Saint Charles, MO 		Click to
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Total Assets 551.61M
Total Deposits 407.11M
Capital and Reserves First State Bank of St. Charles, Missouri
Saint Charles, MO 		Click to
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Capital 84.41M
Leverage Ratio 15.60
Loan Loss Reserves to Loans 1.52%
Risk-Based Capital Ratio 17.55
Liquidity First State Bank of St. Charles, Missouri
Saint Charles, MO 		Click to
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Hot Money Ratio 20.88%
Liquidity Ratio 13.57%
Profitability First State Bank of St. Charles, Missouri
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5-Year Return on Average Assets 1.82%
Net Income 4.98M
Net Interest Spread 3.72%
Operating Profit to Average Assets 1.58%
Overhead Efficiency Ratio 79.07%
Return on Assets 1.22%
Return on Equity 8.13%