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

2664 banks in the $100M-$1B peer group nationally 143 in MO

First State Bank of St. Charles, Missouri has 4 strengths but faces 3 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 7.1% in tier
+ Profitability Leader: Top 11.7% in tier
+ Net Interest Margin 0.10% above tier average
+ Delinquency Rate 0.50% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 21.3% in tier
- Liquidity Strain: Bottom 45.3% in tier
- Efficiency Ratio 5.32% above tier average

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

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$557.3M +2.7% YoY -0.5% QoQ	+$171.2M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	77%
Total Loans ?	$443.1M +0.4% YoY +1.3% QoQ	+$187.4M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	84%
Total Deposits ?	$422.8M +5.7% YoY -0.1% QoQ	+$94.9M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	72%
Return on Assets ?	1.94% +163.1% YoY +48.0% QoQ	+0.67%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	Top 13.9% in tier
Net Interest Margin ?	4.04% +7.9% YoY +0.9% QoQ	+0.10%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	59%
Efficiency Ratio ?	70.61% -17.2% YoY -9.8% QoQ	+5.32%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	31%
Delinquency Rate ?	0.39% +13.2% YoY +8.2% QoQ	-0.50%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	51%
Loan-to-Deposit Ratio ?	104.79% -4.9% YoY +1.4% QoQ	+28.15%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	Bottom 5.1% in tier
Non-Interest-Bearing Deposit Share ?	30.08% +10.3% YoY +7.5% QoQ	+8.06%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	82%
Nonperforming Asset Ratio ?	0.35% +25.9% YoY +8.9% QoQ	-0.29%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	46%
Tier 1 Capital Ratio ?	15.79% -1.5% YoY -3.7% QoQ	-0.04%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	71%
Non-Interest Income / Assets ?	1.44% +86.1% YoY -66.6% QoQ	+1.16%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	Top 1.4% in tier

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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 (2)

Revenue Diversifier

growth

#48 of 666 • Top 7.1% 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: 1.44%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 1.94%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Profitability Leader

growth

#79 of 666 • Top 11.7% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.94%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Concerns (2)

Credit Quality Pressure

risk

#280 of 1308 • Bottom 21.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.39%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Liquidity Strain

risk

#292 of 643 • Bottom 45.3% 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: 104.79%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank declining

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 2664 peers in $100M-$1B

Top Strengths (5 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 1.44%

Peer Median: 0.28%

#38 of 2664 Top 1.4% in $100M-$1B

370

Return on Assets

profitability

Value: 1.94%

Peer Median: 1.27%

#370 of 2664 Top 13.9% in $100M-$1B

430

Total Loans

size

Value: $443.07M

Peer Median: $255.72M

#430 of 2664 Top 16.1% in $100M-$1B

479

Non-Interest-Bearing Deposit Share

funding

Value: 30.08%

Peer Median: 22.02%

#479 of 2664 Top 17.9% in $100M-$1B

614

Total Assets

size

Value: $557.28M

Peer Median: $386.08M

#614 of 2664 Top 23.0% in $100M-$1B

Top Weaknesses (1 metrics)

2530

Loan-to-Deposit Ratio

liquidity

Value: 104.79%

Peer Median: 76.64%

#2530 of 2664 Bottom 5.1% in $100M-$1B