🏦Bank Scorer

FIRST STATE COMMUNITY BANK

FARMINGTON, MO · Supervised by FDIC

Est. 1954FDIC #17,323RSSD: FDIC-17323
Part ofFIRST STATE BANCSHARES INC→ View all charters
Outstanding Up

Current rating · Exam: June 2023

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.73%

Institution Profile

FDIC BankFind

Address

201 E Columbia St, FARMINGTON, MO

County

St. Francois County

Established

May 11, 1954

Total Assets

$4.5B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

June 1, 2023

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jun 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$4.5B

Total Deposits

$3.8B

Net Loans

$3.4B

Net Income

$19M

ROA

1.73%

ROE

14.36%

Risk-Based Capital

14.81%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate14.31%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

53

Branch Deposits

$3.6B

1-Year Change

-3

5-year net change: +2 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20242,50264.19%14.31%
20232,52765.69%14.72%
20222,86267.71%13.66%
20213,61869.35%13.07%
20204,15368.05%13.58%
20192,89271.06%13.87%
20182,84072.85%12.78%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

11 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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