First State Community Bank: how it compares with its peers
Against 12 MO banks with half to twice its assets, First State Community Bank's strongest measure in Q2 2026 is return on assets (1.82% vs. a 1.28% peer median). Its weakest relative measure is assets per employee ($6.4M vs. $8.4M).
| Measure | First State Community Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.82% | 1.28% | Top third Ahead of 100% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.83% | 3.56% | Top third Ahead of 67% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 48.77% | 60.61% | Top third Ahead of 83% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.4M | $8.4M | Bottom third Ahead of 8% of peers |
| Loans to deposits Net loans and leases over total deposits. | 90.40% | 97.08% | Context |
What it means for lending operations
Its efficiency ratio of 48.77% is better than the 60.61% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The Bank of Missouri Perryville, MO · $4.23B
- Southern Bank Poplar Bluff, MO · $5.19B
- Great Southern Bank Reeds Spring, MO · $5.53B
- Oakstar Bank Springfield, MO · $3.29B
- Academy Bank, National Association Kansas City, MO · $3.23B
- North American Savings Bank, F.S.B. Grandview, MO · $3.20B
Questions about First State Community Bank
How big is First State Community Bank?
First State Community Bank, established in 1954, is headquartered in Farmington, MO. It reported $4.51B in total assets in its Q2 2026 FDIC call report and operates 53 offices.
What is First State Community Bank's return on assets?
1.82% annualized in Q2 2026, against a 1.28% median for 12 MO banks with half to twice its assets, ahead of 100% of them.
What is First State Community Bank's efficiency ratio?
48.77% in Q2 2026: it spent about 49 cents in noninterest expense for each dollar of revenue. The peer median is 60.61%, and lower is better.
Is First State Community Bank growing its loans?
Net loans grew 7.1% over the year to Q2 2026, while deposits grew 5.9%.
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.