MO lenders / Community Bank
First State Bank of St. Charles, Missouri
Community Bank · St. Charles, MO · First State Bancshares Inc
- Total assets
- $557.3M
- CRE loan book
- $86.0M
- QoQ CRE growth
- -8.2%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.64% as of Q1 2026 — TX bank median 4.87% (0.77pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.64% | 5.69% |
| Q4 2025 | 5.92% | 5.99% |
| Q3 2025 | 5.86% | 5.88% |
| Q2 2025 | 5.74% | 5.80% |
| Q1 2025 | 5.57% | 5.63% |
| Q4 2024 | 5.73% | 5.79% |
| Q3 2024 | 5.79% | 5.81% |
| Q2 2024 | 5.65% | 5.74% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $86.0M | $18.0M | $6.3M | 44% | $0 |
| Q4 2025 | $93.7M | $24.2M | $6.3M | 49% | $0 |
| Q3 2025 | $90.6M | $18.8M | $5.7M | 44% | $0 |
| Q2 2025 | $95.0M | $28.4M | $5.8M | 55% | $0 |
| Q1 2025 | $99.3M | $30.8M | $7.7M | 62% | $0 |
| Q4 2024 | $101.3M | $32.7M | $7.8M | 67% | $0 |
| Q3 2024 | $107.2M | $37.8M | $7.8M | 73% | $9,000 |
| Q2 2024 | $107.1M | $37.5M | $7.9M | 75% | $16,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Denver Savings BankCommunity Bank · Denver · $86.4M CRE book
- Washington County BankCommunity Bank · Blair · $86.9M CRE book
- The Friendship State BankCommunity Bank · Friendship · $85.0M CRE book
- Ergo BankCommunity Bank · Markesan · $87.1M CRE book
- Farmers Savings BankCommunity Bank · Mineral Point · $84.9M CRE book
See all alternatives to First State Bank of St. Charles, Missouri →
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.