First Bank
St. Louis, Missouri, St. Louis County
$6.7B in total assets, the 240th largest of 4,309 US banks and 7th of 195 headquartered in Missouri.
- FDIC certificate
- 12229
- Established
- 1906
- Owned by
- Fb Corp
- Primary regulator
- FED
- Website
- WWW.FIRST.BANK
At a glance
Compared with 29 banks headquartered in Missouri with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $6.7B | 98% | $1.8B | |
| Loans | $4.3B | 93% | $1.2B | |
| Deposits | $5.8B | 98% | $1.4B | |
| Return on assets | 0.66% | 2% | 1.32% | |
| Net interest margin | 3.08% | 7% | 3.87% | |
| Efficiency ratio | 73.7% | 93% | 56.1% | |
| Equity to assets | 8.43% | 7% | 10.99% | |
| Loans to deposits | 73% | 7% | 94% |
Growth
Total assets grew -0.2% a year over the last 5 years and 0.9% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Dec 2007 | Coast Bank of Florida Bradenton, FL | $664M |
| Mar 2007 | Royal Oaks Bank, ssb Houston, TX | $207M |
| Sep 2006 | Oak Lawn Bank Oak Lawn, IL | $71M |
| Aug 2006 | San Diego Community Bank Chula Vista, CA | $94M |
| May 2006 | First Independent National Bank Plano, TX | $70M |
| Apr 2006 | Community Bank of Pittsfield Pittsfield, IL | $21M |
| Jan 2006 | First National Bank of Sachse Sachse, TX | $71M |
| Nov 2005 | Northway State Bank Grayslake, IL | $50M |
| Sep 2005 | International Bank of California Los Angeles, CA | $159M |
| Apr 2005 | First Bank of the Americas, S.S.B. Chicago, IL | $73M |
| Dec 2004 | CIB Bank Hillside, IL | $1.3B |
| Jul 2004 | Continental Community Bank and Trust Company Aurora, IL | $137M |
| Mar 2003 | First Bank & Trust San Francisco, CA, an affiliate under the same holding company | $3.1B |
| Mar 2003 | Bank of Ste. Genevieve Ste. Genevieve, MO | $109M |
| Jan 2002 | PlainsBank of Illinois, National Association Des Plaines, IL | $251M |
| Dec 2001 | Union Bank of Illinois Swansea, IL | $185M |
| Dec 2001 | The State Bank of Jerseyville Jerseyville, IL | $176M |
| Nov 1997 | First Bank O'Fallon, IL, an affiliate under the same holding company | $849M |
| Nov 1997 | First Bank A Savings Bank Clayton, MO, an affiliate under the same holding company | n/a |
| Nov 1997 | First Bank, A Federal Savings Bank Clayton, MO, an affiliate under the same holding company | $1.0B |
| Mar 1994 | Heritage National Bank Shrewsbury, MO | $61M |
| Feb 1989 | First Bank of Montgomery County Montgomery City, MO, an affiliate under the same holding company | $33M |
| Feb 1989 | First Bank of Owensville Owensville, MO, an affiliate under the same holding company | $32M |
| Feb 1989 | First Bank of Gasconade County Hermann, MO, an affiliate under the same holding company | $45M |
| Feb 1989 | First Bank of Jefferson County Arnold, MO, an affiliate under the same holding company | $19M |
| Feb 1989 | First Bank of Warren County Warrenton, MO, an affiliate under the same holding company | $30M |
| Feb 1989 | First Bank of St. Charles County Wentzville, MO, an affiliate under the same holding company | $31M |
| Feb 1989 | First Bank Gerald, MO, an affiliate under the same holding company | $43M |
| Feb 1989 | First Bank of St. Francois County Flat River, MO, an affiliate under the same holding company | $38M |
| Jul 1986 | First Missouri Bank of St. Peters, National Association St. Peters, MO, an affiliate under the same holding company | $9M |
| Apr 1984 | First Missouri Bank of West County St. Louis County, MO | $22M |
| Apr 1984 | First Missouri Bank of Ellisville Ellisville, MO | $12M |
Where they operate
75 branches in 20 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| St. Louis County, MO | $2.3B | 4.7% | 7 of 55 |
| Los Angeles County, CA | $888M | 0.2% | 35 of 91 |
| Orange County, CA | $693M | 0.4% | 25 of 73 |
| St. Charles County, MO | $280M | 2.8% | 11 of 35 |
| Santa Barbara County, CA | $175M | 1.2% | 12 of 20 |
| Placer County, CA | $173M | 1.2% | 11 of 26 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net loss of 48 branches since 2016 (123 to 75, −39.0%). 7 opened, 0 acquired, 55 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 123 | |||
| 2016 | Sold 8 branches to Fidelity BankSold 3 branches to Bank of Stockton | 0 | 11 | −11 | 112 |
| 2017 | Closed 7 in 3 states | 0 | 7 | −7 | 105 |
| 2018 | Sold 9 branches to 3 banksClosed Arnold and Montgomery City | 0 | 11 | −11 | 94 |
| 2020 | Closed Owensville and Washington | 0 | 2 | −2 | 92 |
| 2021 | Sold 12 branches to 3 banksClosed Saint Louis and Wildwood | 0 | 14 | −14 | 78 |
| 2022 | Opened 4 in 2 statesClosed 9 in 3 states | 4 | 9 | −5 | 73 |
| 2023 | Opened Del Mar | 1 | 0 | +1 | 74 |
| 2024 | Opened Cerritos | 1 | 0 | +1 | 75 |
| 2025 | Opened Overland Park | 1 | 0 | +1 | 76 |
| 2026 through Q2 | Closed Mehlville | 0 | 1 | −1 | 75 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 36% | 30% | |
| 1-4 family residential | 26% | 20% | |
| Business (C&I) | 19% | 18% | |
| Construction and land | 5% | 11% | |
| Multifamily | 4% | 7% | |
| Consumer | 0% | 4% | |
| Farmland | 0% | 6% | |
| Agricultural | 0% | 2% | |
| Other | 10% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 56% | 47% | |
| Noninterest-bearing | 25% | 19% | |
| Time deposits | 19% | 34% |
Brokered deposits are 0.6% of deposits (peers 8.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.27% | 0.67% |
| Net charge-offs, annualized | 0.17% | 0.03% |
| Reserves to loans | 1.02% | 1.30% |
| Leverage ratio | 9.67% | 10.93% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Missouri
Largest competitors in St. Louis County, MO
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/first-bank-st-louis-mo