BlastPoint's Banking Scorecard

First State Bank of St. Charles, Missouri

$100M-$1B Specialty: Mortgage MO FDIC cert 12219

St. Charles, MO

9 branches across MO · KS

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 140 in MO.
Deposits -1.6% year over year ($400.8M on the books).
Delinquency rate 0.40%.
Return on assets 1.67%.
Efficiency ratio 75.86% vs a 64.48% peer average.
Loan-to-deposit ratio 106.09% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 140 in MO

View $100M-$1B leaderboard (MO) →

First State Bank of St. Charles, Missouri has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 8.3% in tier
+ ROA 0.34% above tier average
+ Net Interest Margin 0.15% above tier average
+ Delinquency Rate 0.51% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 36.2% in tier
- Efficiency Ratio 11.38% above tier average

Get updates when First State Bank of St. Charles, Missouri releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$535.2M -3.0% YoY -4.0% QoQ	+$148.6M	$386.6M +1.2% YoY	$1.6B +6.4% YoY	$6.3B +7.7% YoY	75%
Total Loans ?	$425.2M -2.6% YoY -4.0% QoQ	+$166.8M	$258.3M +1.7% YoY	$1.0B +10.0% YoY	$3.2B +9.4% YoY	82%
Total Deposits ?	$400.8M -1.6% YoY -5.2% QoQ	+$74.0M	$326.7M +0.7% YoY	$1.3B +6.1% YoY	$4.9B +7.3% YoY	70%
Return on Assets ?	1.67% +58.5% YoY -14.1% QoQ	+0.34%	1.32% +10.8% YoY	1.46% +5.9% YoY	1.30% +12.1% YoY	74%
Net Interest Margin ?	4.14% +7.4% YoY +2.6% QoQ	+0.15%	3.99% +5.0% YoY	4.55% +0.7% YoY	3.95% +4.9% YoY	62%
Efficiency Ratio ?	75.86% -6.3% YoY +4.9% QoQ	+11.38%	64.48% -3.2% YoY	59.57% -3.2% YoY	70.05% +2.5% YoY	19%
Delinquency Rate ?	0.40% -44.8% YoY +4.2% QoQ	-0.51%	0.92% +15.7% YoY	0.82% +12.6% YoY	0.98% +16.3% YoY	51%
Loan-to-Deposit Ratio ?	106.09% -1.0% YoY +1.2% QoQ	+28.14%	77.95% +1.0% YoY	80.82% +1.6% YoY	79.03% +2.3% YoY	Bottom 5.3% in tier
Non-Interest-Bearing Deposit Share ?	28.15% +1.1% YoY -6.4% QoQ	+6.12%	22.03% -0.6% YoY	20.71% -0.5% YoY	21.98% -0.6% YoY	76%
Nonperforming Asset Ratio ?	0.37% -37.0% YoY +4.1% QoQ	-0.30%	0.67% +16.4% YoY	0.67% +14.9% YoY	0.69% +15.8% YoY	47%
Tier 1 Capital Ratio ?	15.77% -1.3% YoY -0.1% QoQ	-0.14%	15.91% +1.4% YoY	15.38% -1.1% YoY	17.09% +0.8% YoY	71%
Non-Interest Income / Assets ?	2.71% +38.6% YoY +96.3% QoQ	+2.15%	0.57% +7.6% YoY	0.58% +5.8% YoY	0.66% +5.2% YoY	Top 1.2% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Noninterest-Bearing	28.2% +0.3pp YoY -1.9pp QoQ	+6.0pp	22.1%	20.9%	22.2%	76%
Brokered Deposits	n/a	n/a	7.9%	7.4%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
C&I	8.4% 0.0pp YoY +0.2pp QoQ	-3.1pp	11.6%	12.3%	12.5%	43%
CRE	20.7% -1.1pp YoY +1.3pp QoQ	-18.8pp	39.5%	36.8%	41.4%	19%
1-4 Family	71.3% +0.8pp YoY -1.5pp QoQ	+38.7pp	32.6%	31.9%	31.3%	94%
Consumer	0.1% 0.0pp YoY 0.0pp QoQ	-4.0pp	4.1%	4.1%	5.0%	7%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
CET1 Ratio	15.8% -0.2pp YoY 0.0pp QoQ	-3.1pp	18.8%	18.5%	19.7%	56%
Leverage Ratio	15.6% +0.1pp YoY +0.5pp QoQ	+3.5pp	12.2%	11.6%	12.6%	89%
Total Capital Ratio	17.0% -0.2pp YoY 0.0pp QoQ	-2.9pp	19.9%	19.6%	20.8%	57%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Full-Time Employees	180 +2 (+1.1%) YoY +3 (+1.7%) QoQ	+121	58	162	482	99%
Assets per Employee ($)	$3.0M -4.1% YoY -5.6% QoQ	-$4.5M	$7.5M	$8.0M	$8.8M	1%
Branch Count	9 0 YoY 0 QoQ	+4	4	10	18	86%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	0.4% -0.3pp YoY 0.0pp QoQ	-0.5pp	0.9%	0.8%	1.0%	47%
Allowance Coverage	3.69x +77.7% YoY +0.1% QoQ	-20.47x	24.15x	10.47x	20.23x	63%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.3%	0.2%	27%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
ROE	10.9% +3.9pp YoY -1.9pp QoQ	-1.3pp	12.2%	14.3%	11.6%	42%
Cost of Funds (YTD)	1.9% -0.2pp YoY 0.0pp QoQ	+0.2pp	1.7%	1.8%	1.7%	63%
Net Income ($, YTD)	$4.6M +60.6% YoY — QoQ	+$2.0M	$2.6M	$11.3M	$40.4M	85%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth

#56 of 661 • Top 8.3% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 2.71%

(Tier: 0.57%, National: 0.66%)

better than tier avg

Return on Assets: 1.67%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (1)

Liquidity Strain

risk

#251 of 691 • Bottom 36.2% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 106.09%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 2.71%

Peer Median: 0.57%

#34 of 2643 Top 1.2% in $100M-$1B

486

Total Loans

size

Value: $425.16M

Peer Median: $258.35M

#486 of 2643 Top 18.4% in $100M-$1B

624

Non-Interest-Bearing Deposit Share

funding

Value: 28.15%

Peer Median: 22.03%

#624 of 2643 Top 23.6% in $100M-$1B

Top Weaknesses (2 metrics)

2505

Loan-to-Deposit Ratio

liquidity

Value: 106.09%

Peer Median: 77.95%

#2505 of 2643 Bottom 5.3% in $100M-$1B

2141

Efficiency Ratio

profitability

Value: 75.86%

Peer Median: 64.48%

#2141 of 2643 Bottom 19.0% in $100M-$1B