BlastPoint's Banking Scorecard
First State Bank of St. Charles, Missouri
Community
Specialty: Mortgage
MO
FDIC cert 12219
St. Charles, MO
1484
banks in Community tier nationally
62 in MO
View Community leaderboard (MO) →
First State Bank of St. Charles, Missouri has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 15% in Community
- + Loan-to-Deposit Ratio 20.33% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 20% in Community
- - Liquidity Strain: Bottom 31% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$560.3M
+4.5% YoY
+1.6% QoQ
|
-$831.2M |
$1.4B
+2.0% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
Bottom 9% in tier |
| Total Loans ? |
$437.6M
-1.1% YoY
+2.0% QoQ
|
-$537.9M |
$975.5M
+2.4% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
21% |
| Total Deposits ? |
$423.2M
+8.2% YoY
+4.0% QoQ
|
-$741.4M |
$1.2B
+1.7% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
Bottom 2% in tier |
| Return on Assets ? |
1.31%
+3.7% YoY
+7.7% QoQ
|
+0.15% |
1.16%
+17.2% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
64% |
| Net Interest Margin ? |
4.00%
+6.2% YoY
+1.7% QoQ
|
+0.33% |
3.66%
+9.1% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
70% |
| Efficiency Ratio ? |
78.30%
-1.0% YoY
-1.0% QoQ
|
+15.67% |
62.63%
-5.3% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 12% in tier |
| Delinquency Rate ? |
0.36%
+33.0% YoY
-37.7% QoQ
|
-0.27% |
0.63%
+18.3% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
56% |
| Loan-to-Deposit Ratio ? |
103.39%
-8.5% YoY
-1.9% QoQ
|
+20.33% |
83.06%
+0.3% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
Top 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
27.98%
+7.4% YoY
-5.3% QoQ
|
+6.93% |
21.05%
-0.9% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
79% |
| Nonperforming Asset Ratio ? |
0.32%
+45.0% YoY
-28.0% QoQ
|
-0.18% |
0.50%
+20.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
52% |
| Tier 1 Capital Ratio ? |
16.40%
+1.0% YoY
+0.6% QoQ
|
+6.15% |
10.24%
-0.6% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
84% |
| Non-Interest Income / Assets ? |
4.30%
+5.3% YoY
+38.1% QoQ
|
+3.56% |
0.74%
-1.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
Top 2% in tier |
Signature Analysis
Strengths (2)
Revenue Diversifier
growth
#55 of 371 · Top 15% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
4.30%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.31%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Loan-to-Deposit Ratio
metric
Top 8%
in Community
Why this stands out
Current:
103.39%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (2)
Liquidity Overhang
risk
#55 of 268 · Bottom 20% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
16.40%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
103.39%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Liquidity Strain
risk
#159 of 513 · Bottom 31% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
103.39%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
98
98th pctile
Non-Interest Income / Assets
Current: 4.30% · Tier avg: 0.74%
92
92th pctile
Loan-to-Deposit Ratio
Current: 103.39% · Tier avg: 83.06%
84
84th pctile
Tier 1 Capital Ratio
Current: 16.40% · Tier avg: 10.24%
79
79th pctile
Non-Interest-Bearing Deposit Share
Current: 27.98% · Tier avg: 21.05%
70
70th pctile
Net Interest Margin
Current: 4.00% · Tier avg: 3.66%
64
64th pctile
Return on Assets
Current: 1.31% · Tier avg: 1.16%
56
56th pctile
Delinquency Rate
Current: 0.36% · Tier avg: 0.63%
52
52th pctile
Nonperforming Asset Ratio
Current: 0.32% · Tier avg: 0.50%
21
21th pctile
Total Loans
Current: $437.6M · Tier avg: $975.5M
12
12th pctile
Efficiency Ratio
Current: 78.30% · Tier avg: 62.63%
9
9th pctile
Total Assets
Current: $560.3M · Tier avg: $1.4B
2
2th pctile
Total Deposits
Current: $423.2M · Tier avg: $1.2B
Top Weaknesses
2
2th pctile
Total Deposits
Current: $423.2M · Tier avg: $1.2B
9
9th pctile
Total Assets
Current: $560.3M · Tier avg: $1.4B
12
12th pctile
Efficiency Ratio
Current: 78.30% · Tier avg: 62.63%
21
21th pctile
Total Loans
Current: $437.6M · Tier avg: $975.5M
52
52th pctile
Nonperforming Asset Ratio
Current: 0.32% · Tier avg: 0.50%
56
56th pctile
Delinquency Rate
Current: 0.36% · Tier avg: 0.63%
64
64th pctile
Return on Assets
Current: 1.31% · Tier avg: 1.16%
70
70th pctile
Net Interest Margin
Current: 4.00% · Tier avg: 3.66%
79
79th pctile
Non-Interest-Bearing Deposit Share
Current: 27.98% · Tier avg: 21.05%
84
84th pctile
Tier 1 Capital Ratio
Current: 16.40% · Tier avg: 10.24%
92
92th pctile
Loan-to-Deposit Ratio
Current: 103.39% · Tier avg: 83.06%
98
98th pctile
Non-Interest Income / Assets
Current: 4.30% · Tier avg: 0.74%