First State Bank of St. Charles, Missouri: how it compares with its peers
Against 71 MO banks with half to twice its assets, First State Bank of St. Charles, Missouri's strongest measure in Q2 2026 is return on assets (1.67% vs. a 1.58% peer median). Its weakest relative measure is assets per employee ($3.0M vs. $6.8M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.67% | 1.58% | Middle third Ahead of 55% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.14% | 4.15% | Middle third Ahead of 48% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 75.86% | 57.00% | Bottom third Ahead of 4% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $3.0M | $6.8M | Bottom third Ahead of 0% of peers |
| Loans to deposits Net loans and leases over total deposits. | 106.09% | 87.84% | Context |
What it means for lending operations
Its efficiency ratio of 75.86% is above the 57.00% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Belgrade State Bank Belgrade, MO · $548M
- Connections Bank Platte City, MO · $517M
- The Callaway Bank Fulton, MO · $512M
- The Bank of Advance Advance, MO · $510M
- Farmers Bank of Northern Missouri Unionville, MO · $567M
- UNICO Bank Mineral Point, MO · $503M
Questions about First State Bank of St. Charles, Missouri
How big is First State Bank of St. Charles, Missouri?
First State Bank of St. Charles, Missouri, established in 1867, is headquartered in St. Charles, MO. It reported $535M in total assets in its Q2 2026 FDIC call report and operates 9 offices.
What is First State Bank of St. Charles, Missouri's return on assets?
1.67% annualized in Q2 2026, against a 1.58% median for 71 MO banks with half to twice its assets, ahead of 55% of them.
What is First State Bank of St. Charles, Missouri's efficiency ratio?
75.86% in Q2 2026: it spent about 76 cents in noninterest expense for each dollar of revenue. The peer median is 57.00%, and lower is better.
Is First State Bank of St. Charles, Missouri growing its loans?
Net loans shrank 2.6% over the year to Q2 2026, while deposits shrank 1.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Missouri bank ranked.