Call reports 2026
FIRST STATE BANK OF ST. CHARLES, MISSOURI — 2026
What FIRST STATE BANK OF ST. CHARLES, MISSOURI reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 557,276,000 | 535,197,000 |
| Total loans | 449,400,000 | 431,488,000 |
| Allowance for loan losses | 6,332,000 | 6,332,000 |
| Securities available for sale | 35,491,000 | 35,265,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 422,828,000 | 400,753,000 |
| Interest-bearing deposits | 295,651,000 | 287,934,000 |
| Noninterest-bearing deposits | 127,177,000 | 112,819,000 |
| Equity capital | 83,022,000 | 83,189,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 7,386,000 | 14,779,000 |
| Interest expense | 2,351,000 | 4,609,000 |
| Net interest income | 5,035,000 | 10,170,000 |
| Noninterest income | 7,700,000 | 14,518,000 |
| Noninterest expense | 9,205,000 | 18,728,000 |
| Provision for loan losses | -300,000 | -300,000 |
| Pretax income | 3,530,000 | 5,960,000 |
| Income tax | 820,000 | 1,372,000 |
| Net income | 2,710,000 | 4,588,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 84,759,000 | 85,057,000 |
| Total capital | 91,432,000 | 91,731,000 |
| Risk-weighted assets | 536,933,000 | 539,342,000 |