First State Community Bank
First State Community Bank reported total assets of $4.5 bn at Q2 2026, up 6.2% on a year earlier, the 303rd largest of 497 banks in our US coverage. The CET1 capital ratio at First State Community Bank was 14.35%, and the uninsured share of First State Community Bank was 22.97%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, First State Community Bank slipped from 244th to 378th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Since , First State Community Bank has taken over one institution; the latest was Central Bank on (FDIC Call Reports).
What sets First State Community Bank apart
How large is First State Community Bank?
The balance sheet of First State Community Bank at : assets $4.5 bn, deposits $3.8 bn, net loans $3.4 bn (loans equal to 90.40% of deposits). Securities make up 12.2% of total assets at First State Community Bank. Since , when First State Community Bank held $1.8 bn, its assets grew 155.9%. In the year to , deposits at First State Community Bank rose 5.9% while its total assets rose 6.2%. At , First State Community Bank employed 703 full-time equivalent staff across 53 offices, about $6.4 mn of assets per employee and $71.3 mn of deposits per office.
How much funding at First State Community Bank is uninsured?
At First State Community Bank, uninsured deposits (above the FDIC limit) made up 22.97% of domestic deposits at (+0.32 pp on a year earlier); First State Community Bank ranks 388th of 500 on this measure. In dollars, First State Community Bank estimated $868.0 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $3.8 bn | +5.9% | 299th of 499 |
| Net loans and leases | $3.4 bn | +7.1% | 291st of 500 |
| Loan-to-deposit ratio | 90.40% | +1.02 pp | 184th of 500 |
| Tier 1 leverage ratio | 11.68% | +0.32 pp | 111th of 500 |
| Total risk-based capital ratio | 15.43% | +0.71 pp | 142nd of 448 |
| Net interest margin | 3.83% | +0.11 pp | 193rd of 500 |
| Return on assets (ROA) | 1.82% | +0.08 pp | 74th of 500 |
| Efficiency ratio | 48.77% | -2.32 pp | 124th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $46.1 mn | Narrowed by $10.0 mn | |
| Noncurrent loans to total loans | 1.07% | +0.56 pp | 378th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.12% | +0.09 pp | 293rd of 500 (1 = lowest) |
US rank of First State Community Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
First State Community Bank: assets, deposits and loans
- Total assets $4.5bn
- Deposits $3.8bn
- Net loans $3.4bn
Capital and securities
The CET1 ratio of First State Community Bank stood at 14.35% in , +0.60 pp year on year. Low and high at First State Community Bank since : 10.11% () to 14.35% (). Equity capital of First State Community Bank at : $562.1 mn, or 12.5% of total assets. First State Community Bank also reported a total capital ratio of 15.43% for , and a tier 1 leverage ratio of 11.68%.
The available-for-sale portfolio of First State Community Bank showed an unrealized loss of $46.1 mn at ; the loss narrowed by $10.0 mn over the year.
First State Community Bank: capital ratios
- Total capital 15%
- CET1 14%
- Tier 1 leverage 12%
First State Community Bank: unrealized securities gains and losses
- Available for sale -$46mn
- Held to maturity $0
Profitability and loan quality
For the year to , First State Community Bank earned a return on equity of 14.93%; return on assets: 1.82%. Net interest margin at First State Community Bank: 3.83%, +0.11 pp in a year. First State Community Bank net income: $41.0 mn, up 11.1% year on year. The efficiency ratio of First State Community Bank was 48.77%: about 49 cents cost per revenue dollar, against 49 cents at the median peer.
At , noncurrent loans were 1.07% of total loans at First State Community Bank; net charge-offs: 0.12% of average loans. Gross loans and leases at First State Community Bank: $3.5 bn, up 7.3% in a year.
First State Community Bank: profitability
- Return on equity 15%
- Net interest margin 3.8%
- Return on assets 1.8%
Peer group of First State Community Bank
The peer group of First State Community Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 3 share the charter type of First State Community Bank (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Missouri. Against them, First State Community Bank shows CET1 ratio 14.35% against a peer median of 18.91%, return on equity 14.93% against a peer median of 12.68% and uninsured deposit share 22.97% against a peer median of 31.44%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| VeraBank | National bank | TX | $4.6 bn | 17.27% | 14.09% | 29.04% | |
| International Bank of Commerce | State nonmember bank | TX | $4.6 bn | 28.73% | 13.76% | 30.10% | |
| Hingham Institution for Savings | State-chartered stock savings bank | MA | $4.6 bn | 14.69% | 11.55% | 35.83% | |
| First State Community Bank | State nonmember bank | MO | $4.5 bn | 14.35% | 14.93% | 22.97% | |
| Texas Exchange Bank | State nonmember bank | TX | $4.5 bn | 30.06% | 4.95% | 1.30% | |
| First Federal Bank | Federal savings bank | FL | $4.5 bn | 20.56% | 11.61% | 40.67% | |
| Metro City Bank | State nonmember bank | GA | $4.5 bn | 17.14% | 17.77% | 32.79% | |
. FDIC Call Reports.
Last eight quarters
Two years at First State Community Bank, to : assets +11.3%, deposits +11.7%, equity +17.4%. Staff 691 to 703; offices 56 to 53.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $4.0 bn | $4.2 bn | $4.2 bn | $4.2 bn | $4.3 bn | $4.5 bn | $4.5 bn | $4.5 bn |
| Total deposits | $3.4 bn | $3.6 bn | $3.6 bn | $3.6 bn | $3.6 bn | $3.7 bn | $3.8 bn | $3.8 bn |
| Bank equity capital | $478.9 mn | $482.7 mn | $485.1 mn | $498.2 mn | $521.0 mn | $543.3 mn | $541.2 mn | $562.1 mn |
| CET1 ratio | 13.64% | 13.67% | 13.53% | 13.75% | 13.66% | 14.03% | 13.77% | 14.35% |
| Return on equity (ROE) | 13.76% | 14.01% | 15.00% | 15.09% | 15.01% | 14.78% | 14.36% | 14.93% |
| Uninsured share of domestic deposits | 22.94% | 22.29% | 22.17% | 22.66% | 24.04% | 23.45% | 23.27% | 22.97% |
| Full-time equivalent employees | 691 | 709 | 702 | 712 | 701 | 717 | 699 | 703 |
| Number of offices | 56 | 53 | 53 | 53 | 53 | 53 | 53 | 53 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of First State Community Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed Central Bank (FDIC certificate 1057).
Questions and identifiers
What were the total assets of First State Community Bank?
First State Community Bank reported $4.5 bn at in its Call Report. That makes First State Community Bank the 303rd largest of 497 banks in our US coverage.
Is First State Community Bank the same as its holding company?
No. This page covers First State Community Bank, FDIC certificate 17323; FIRST STATE BANCSHARES INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is First State Community Bank profitable?
First State Community Bank reported net income of $41.0 mn for the year to ; annualized return on equity: 14.93%. So yes: First State Community Bank made a profit over these months.
When is data for First State Community Bank next updated?
Figures from First State Community Bank for are due after .
Where can I check the figures for First State Community Bank?
In the FDIC BankFind Suite record for certificate 17323, and in the Call Reports of First State Community Bank (RSSD ID 707354) at the FFIEC Central Data Repository.