First State Bank

First State Bank is a full-service, independent community bank that serves the financial needs of businesses and individuals with a portfolio of deposit, checking, loan, and financial planning programs. Headquartered in St. Charles, MO, the bank builds communities through beneficial relationships, valuable products and services, and an expertise and stability on which customers have relied for 150 years.
At First State Bank, personalized service is key to our success. Customers are treated as people—not numbers, and a real person answers the phones. Our mortgage division maintains in-house loan processing, underwriting, and closing to ensure loans are closed on time for clients. Because First State Bank is an Employee Stock Ownership Plan (ESOP) company, our staff owns part of the company, so they work diligently for the success of the bank and its customers.
As a community bank, it is important to First State Bank to build and support our region. We channel most of our loans to the neighborhoods where our customers live and work. In addition, our employees assist in the mission of more than 65 local nonprofit organizations through participation, leadership, and donations. We strive to improve the quality of life for those who live and work in our area.
First State Bank’s efforts have been recognized through numerous awards, including repeatedly being named Best Bank, Best Lender, Best Mortgage Company, and Best Financial Planner in the St. Charles County Readers’ Poll; repeatedly making St. Louis Small Business Monthly’s Best Banks list; earning the City of St. Charles’ 2009 Employer of the Year award, and the City of St. Charles’ 2017 Jack Heck award for demonstrating community outreach and family values.
First State Bank serves customers through five Missouri branch locations in St. Charles, O’Fallon, Lake Saint Louis, and Chesterfield as well as mortgage offices in St. Charles, Chesterfield, Lake of the Ozarks, Kansas City, and Scottsdale, AZ.