C
First State Bank of St. Charles, Missouri
Rating Date
August 2026
Risk Based
Capital Ratio
17.01
Leverage
Ratio
15.65
Return On
Assets
1.67%
Total
Assets
535.20M
Capital
83.19M
Total
Deposits
400.75M
Net
Income
4.59M
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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 8.80
Capitalization Index 10.00
Liquidity Index 0.80
Profitability Index 8.00
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 -3.00%
5-Year Asset Growth 2.89%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.45%
Non-Performing Loans to Capital 2.13%
Non-Performing Loans to Loans 0.51%
Balance Sheet First State Bank of St. Charles, Missouri
Saint Charles, MO 		Click to
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Total Assets 535.20M
Total Deposits 400.75M
Capital and Reserves First State Bank of St. Charles, Missouri
Saint Charles, MO 		Click to
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Capital 83.19M
Leverage Ratio 15.65
Loan Loss Reserves to Loans 1.47%
Risk-Based Capital Ratio 17.01
Liquidity First State Bank of St. Charles, Missouri
Saint Charles, MO 		Click to
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Hot Money Ratio 19.19%
Liquidity Ratio 10.84%
Profitability First State Bank of St. Charles, Missouri
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5-Year Return on Average Assets 1.42%
Net Income 4.59M
Net Interest Spread 3.91%
Operating Profit to Average Assets 2.16%
Overhead Efficiency Ratio 75.86%
Return on Assets 1.67%
Return on Equity 10.94%