First Bank (St. Louis, MO)
First Bank (St. Louis, MO) reported total assets of $6.7 bn at Q2 2026, up 1.8% on a year earlier, the 230th largest of 497 banks in our US coverage. The CET1 capital ratio at First Bank (St. Louis, MO) was 13.06%, and the uninsured share of First Bank (St. Louis, MO) was 29.61%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, First Bank (St. Louis, MO) climbed from 148th to 89th among 500 US banks between and (1 = lowest; FDIC Call Reports).
What sets First Bank (St. Louis, MO) apart
How large is First Bank (St. Louis, MO)?
The balance sheet of First Bank (St. Louis, MO) at : assets $6.7 bn, deposits $5.8 bn, net loans $4.2 bn (loans equal to 72.28% of deposits). Securities make up 27.6% of total assets at First Bank (St. Louis, MO). Since , when First Bank (St. Louis, MO) held $6.1 bn, its assets grew 9.3%. In the year to , deposits at First Bank (St. Louis, MO) fell 1.1% while its total assets rose 1.8%. At , First Bank (St. Louis, MO) employed 785 full-time equivalent staff across 76 offices, about $8.5 mn of assets per employee and $76.7 mn of deposits per office.
How much funding at First Bank (St. Louis, MO) is uninsured?
At First Bank (St. Louis, MO), uninsured deposits (above the FDIC limit) made up 29.61% of domestic deposits at (+0.47 pp on a year earlier); First Bank (St. Louis, MO) ranks 318th of 500 on this measure. In dollars, First Bank (St. Louis, MO) estimated $1.7 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $5.8 bn | -1.1% | 213th of 499 |
| Net loans and leases | $4.2 bn | +7.8% | 252nd of 500 |
| Loan-to-deposit ratio | 72.28% | +5.99 pp | 410th of 500 |
| Tier 1 leverage ratio | 9.67% | +0.66 pp | 348th of 500 |
| Total risk-based capital ratio | 13.98% | +0.12 pp | 255th of 448 |
| Net interest margin | 3.08% | +0.33 pp | 393rd of 500 |
| Return on assets (ROA) | 0.66% | +0.29 pp | 453rd of 500 |
| Efficiency ratio | 73.69% | -9.94 pp | 455th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $146.0 mn | Narrowed by $5.5 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $117.8 mn | Narrowed by $18.4 mn | |
| Noncurrent loans to total loans | 0.27% | -0.06 pp | 89th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.17% | -0.02 pp | 322nd of 500 (1 = lowest) |
US rank of First Bank (St. Louis, MO): 1 = highest unless marked 1 = lowest.
Balance sheet
First Bank (St. Louis, MO): assets, deposits and loans
- Total assets $6.7bn
- Deposits $5.8bn
- Net loans $4.2bn
Capital and securities
The CET1 ratio of First Bank (St. Louis, MO) stood at 13.06% in , +0.07 pp year on year. Low and high at First Bank (St. Louis, MO) since : 12.87% () to 18.57% (). Equity capital of First Bank (St. Louis, MO) at : $561.2 mn, or 8.4% of total assets. First Bank (St. Louis, MO) also reported a total capital ratio of 13.98% for , and a tier 1 leverage ratio of 9.67%.
On held-to-maturity securities, First Bank (St. Louis, MO) carried an unrealized loss of $146.0 mn at , equal to 26.0% of equity capital. The loss narrowed by $5.5 mn over the year. Its deepest point: $202.2 mn in . The available-for-sale portfolio of First Bank (St. Louis, MO) showed an unrealized loss of $117.8 mn at ; the loss narrowed by $18.4 mn over the year.
First Bank (St. Louis, MO): capital ratios
- Total capital 14%
- CET1 13%
- Tier 1 leverage 9.7%
First Bank (St. Louis, MO): unrealized securities gains and losses
- Available for sale -$118mn
- Held to maturity -$146mn
Profitability and loan quality
For the year to , First Bank (St. Louis, MO) earned a return on equity of 8.03%; return on assets: 0.66%. Net interest margin at First Bank (St. Louis, MO): 3.08%, +0.33 pp in a year. First Bank (St. Louis, MO) net income: $22.0 mn, up 81.7% year on year. The efficiency ratio of First Bank (St. Louis, MO) was 73.69%: about 74 cents cost per revenue dollar, against 59 cents at the median peer.
At , noncurrent loans were 0.27% of total loans at First Bank (St. Louis, MO); net charge-offs: 0.17% of average loans. Gross loans and leases at First Bank (St. Louis, MO): $4.3 bn, up 7.8% in a year.
First Bank (St. Louis, MO): profitability
- Return on equity 8.0%
- Net interest margin 3.1%
- Return on assets 0.7%
Peer group of First Bank (St. Louis, MO)
The peer group of First Bank (St. Louis, MO) is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of First Bank (St. Louis, MO) (state member bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Missouri. Against them, First Bank (St. Louis, MO) shows CET1 ratio 13.06% against a peer median of 14.17%, return on equity 8.03% against a peer median of 11.75% and uninsured deposit share 29.61% against a peer median of 26.64%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Heartland Bank and Trust Company | State nonmember bank | IL | $6.7 bn | 14.75% | 11.16% | 23.85% | |
| Alpine Bank | State nonmember bank | CO | $6.7 bn | 15.21% | 12.34% | 38.46% | |
| Midland States Bank | State member bank | IL | $6.7 bn | 13.59% | 13.18% | 22.73% | |
| First Bank | State member bank | MO | $6.7 bn | 13.06% | 8.03% | 29.61% | |
| SMBC MANUBANK | State nonmember bank | CA | $6.6 bn | 23.92% | -32.51% | 79.00% | |
| The Washington Trust Company, of Westerly | State nonmember bank | RI | $6.6 bn | 12.22% | 10.44% | 27.07% | |
| Horizon Bank | State nonmember bank | IN | $6.5 bn | 12.60% | 14.53% | 26.21% | |
. FDIC Call Reports.
Last eight quarters
Two years at First Bank (St. Louis, MO), to : assets +1.4%, deposits -0.6%, equity +14.3%. Staff 841 to 785; offices 75 to 76.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $6.6 bn | $6.6 bn | $6.6 bn | $6.5 bn | $6.6 bn | $6.7 bn | $6.7 bn | $6.7 bn |
| Total deposits | $5.9 bn | $5.9 bn | $5.9 bn | $5.9 bn | $5.9 bn | $6.0 bn | $5.9 bn | $5.8 bn |
| Bank equity capital | $490.9 mn | $477.8 mn | $492.5 mn | $498.8 mn | $517.6 mn | $535.7 mn | $546.2 mn | $561.2 mn |
| CET1 ratio | 13.21% | 13.08% | 13.05% | 12.99% | 13.01% | 13.19% | 12.87% | 13.06% |
| Return on equity (ROE) | 3.12% | 3.82% | 2.99% | 4.95% | 6.12% | 6.65% | 7.80% | 8.03% |
| Uninsured share of domestic deposits | 26.66% | 27.72% | 26.77% | 29.13% | 29.99% | 28.70% | 28.45% | 29.61% |
| Full-time equivalent employees | 841 | 835 | 824 | 814 | 794 | 789 | 787 | 785 |
| Number of offices | 75 | 75 | 75 | 75 | 76 | 76 | 76 | 76 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by First Bank (St. Louis, MO) appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of First Bank (St. Louis, MO)?
First Bank (St. Louis, MO) reported $6.7 bn at in its Call Report. That makes First Bank (St. Louis, MO) the 230th largest of 497 banks in our US coverage.
Is First Bank (St. Louis, MO) the same as its holding company?
No. This page covers First Bank (St. Louis, MO), FDIC certificate 12229; FB CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is First Bank (St. Louis, MO) profitable?
First Bank (St. Louis, MO) reported net income of $22.0 mn for the year to ; annualized return on equity: 8.03%. So yes: First Bank (St. Louis, MO) made a profit over these months.
When is data for First Bank (St. Louis, MO) next updated?
Figures from First Bank (St. Louis, MO) for are due after .
Where can I check the figures for First Bank (St. Louis, MO)?
In the FDIC BankFind Suite record for certificate 12229, and in the Call Reports of First Bank (St. Louis, MO) (RSSD ID 169653) at the FFIEC Central Data Repository.