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First State Community Bank
Farmington, MO · State-chartered bank (not a Fed member) · Part of First State Bancshares Inc
- Total assets
- $4.51B
- Q2 2026
- Deposits
- $3.78B
- Net income
- $40.99M
- first half of 2026
- Return on assets
- 1.82%
- Annualized
Bank details
As reported to the FDIC
- FDIC certificate
- 17323
- Main office
- Farmington, MO
- Holding company
- First State Bancshares Inc
- Charter
- State-chartered bank (not a Fed member)
- Primary federal regulator
- Federal Deposit Insurance Corporation (FDIC)
- Established
- 05/11/1954
- FDIC insured since
- 05/11/1954
- U.S. offices
- 53
- Employees (full-time equivalent)
- 703
- Specialty
- Commercial Lending Specialization
- Website
- www.fscb.com
Quarterly financials
From the bank's Call Reports. Income figures are year to date; ratios are annualized.
| Quarter | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $4.51B | $4.51B | $4.47B | $4.31B | $4.24B | $4.21B | $4.22B | $4.05B |
| Deposits | $3.78B | $3.79B | $3.75B | $3.6B | $3.57B | $3.55B | $3.55B | $3.38B |
| Net loans and leases | $3.42B | $3.38B | $3.33B | $3.28B | $3.19B | $3.12B | $3.1B | $3B |
| Securities | $548.7M | $560.8M | $562.6M | $566.2M | $570.1M | $574.4M | $583.3M | $601.1M |
| Equity capital | $562.1M | $541.2M | $543.3M | $521M | $498.2M | $485.1M | $482.7M | $478.9M |
| Net income (year to date) | $40.99M | $19.46M | $74.81M | $55.91M | $36.88M | $18.15M | $64.01M | $46.48M |
| Return on assets | 1.82% | 1.73% | 1.74% | 1.76% | 1.75% | 1.72% | 1.58% | 1.55% |
| Return on equity | 14.93% | 14.36% | 14.78% | 15.01% | 15.09% | 15.00% | 14.01% | 13.76% |
| Net interest margin | 3.83% | 3.73% | 3.83% | 3.79% | 3.72% | 3.59% | 3.51% | 3.47% |
| Efficiency ratio | 48.8% | 49.0% | 51.0% | 51.1% | 51.1% | 50.6% | 54.4% | 55.0% |
| Noncurrent loans | 1.08% | 1.04% | 0.59% | 0.59% | 0.52% | 0.40% | 0.31% | 0.36% |
| Net charge-off rate | 0.12% | 0.10% | 0.08% | 0.09% | 0.03% | 0.01% | 0.12% | 0.12% |
| Leverage (core capital) ratio | 11.68% | 11.45% | 11.80% | 11.58% | 11.36% | 11.21% | 11.61% | 11.42% |
| Total risk-based capital ratio | 15.43% | 14.81% | 15.03% | 14.60% | 14.72% | 14.47% | 14.57% | 14.55% |
Assets grew 6.2% from Q2 2025.
Loan mix
Share of gross loans, Q2 2026
- Real estate loans$2.89B84.5%
- Commercial and industrial loans$284.3M8.3%
- Consumer loans$66.78M2.0%
Find bank branches in Missouri · Employees: 703
Frequently asked questions
- What is First State Community Bank's FDIC certificate number?
- First State Community Bank's FDIC certificate number is 17323.
- How big is First State Community Bank?
- First State Community Bank reported total assets of $4.51B and deposits of $3.78B as of Q2 2026.
- Is First State Community Bank FDIC insured?
- Yes. First State Community Bank has been insured by the FDIC since 05/11/1954. Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
Source: Federal Deposit Insurance Corporation, BankFind Suite (Call Report data) · Last updated 06/30/2026