First State Community Bank
Farmington, Missouri, St. Francois County
$4.5B in total assets, the 315th largest of 4,309 US banks and 10th of 195 headquartered in Missouri.
- FDIC certificate
- 17323
- Established
- 1954
- Owned by
- First State Bancshares Inc
- Primary regulator
- FDIC
- Website
- www.fscb.com
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 | $4.5B | 90% | $1.8B | |
| Loans | $3.5B | 90% | $1.2B | |
| Deposits | $3.8B | 90% | $1.4B | |
| Return on assets | 1.79% | 83% | 1.26% | |
| Net interest margin | 3.83% | 41% | 3.87% | |
| Efficiency ratio | 48.8% | 14% | 56.8% | |
| Equity to assets | 12.48% | 83% | 10.96% | |
| Loans to deposits | 91% | 38% | 94% |
Growth
Total assets grew 4.7% a year over the last 5 years and 8.3% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| May 2016 | Central Bank Lebanon, MO, an affiliate under the same holding company | $263M |
| Jan 2013 | Bank Star of the LeadBelt Park Hills, MO | $108M |
| Feb 2008 | Progress Bank of Missouri Sullivan, MO, an affiliate under the same holding company | $202M |
| Jan 1999 | Iron County Security Bank Ironton, MO, an affiliate under the same holding company | $47M |
| Jun 1998 | Joachim Federal Savings and Loan Association Desoto, MO | $33M |
Where they operate
53 branches in 24 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| St. Francois County, MO | $908M | 52.3% | 1 of 6 |
| Jefferson County, MO | $468M | 12.0% | 2 of 24 |
| Franklin County, MO | $323M | 8.2% | 5 of 17 |
| Boone County, MO | $294M | 5.0% | 5 of 23 |
| Cape Girardeau County, MO | $260M | 7.5% | 4 of 16 |
| Laclede County, MO | $257M | 25.3% | 2 of 7 |
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 gain of 7 branches since 2016 (46 to 53, +15.2%). 11 opened, 5 acquired, 9 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 46 | |||
| 2016 | Acquired Central BankClosed Cape Girardeau and Risco | 5 | 2 | +3 | 49 |
| 2017 | Opened 3 in Missouri | 3 | 0 | +3 | 52 |
| 2018 | Opened Pacific | 1 | 0 | +1 | 53 |
| 2019 | Closed Richland and Saint Mary | 0 | 2 | −2 | 51 |
| 2021 | Opened 5 in Missouri | 5 | 0 | +5 | 56 |
| 2022 | Opened ColumbiaClosed Columbia | 1 | 1 | 0 | 56 |
| 2024 | Closed 3 in Missouri | 0 | 3 | −3 | 53 |
| 2025 | Opened MoberlyClosed Moberly | 1 | 1 | 0 | 53 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 31% | 30% | |
| 1-4 family residential | 28% | 20% | |
| Construction and land | 13% | 11% | |
| Business (C&I) | 8% | 18% | |
| Farmland | 7% | 5% | |
| Multifamily | 5% | 7% | |
| Consumer | 2% | 4% | |
| Agricultural | 1% | 2% | |
| Other | 5% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 54% | 48% | |
| Time deposits | 23% | 34% | |
| Noninterest-bearing | 23% | 19% |
Brokered deposits are 1.7% of deposits (peers 8.2%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 1.06% | 0.63% |
| Net charge-offs, annualized | 0.12% | 0.03% |
| Reserves to loans | 1.07% | 1.30% |
| Leverage ratio | 11.68% | 10.76% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Missouri
Largest competitors in St. Francois 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-state-community-bank-farmington-mo