First State Bank Of St. Charles Missouri Mortgage Rates, Fees & Info
St. Charles, MOLEI: 549300C1ICNCM0V37Y02
Tax ID: 43-0492450
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Review & Overview
First State Bank Of St. Charles Missouri is a small bank specializing in Home Purchase and Refi loans. First State Bank Of St. Charles Missouri has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Kansas City, St. Louis, Phoenix, Dallas, and Denver among others. We have data for 183 markets. (Some data included below & more in-depth data is available with an active subscription.)First State Bank Of St. Charles Missouri has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. First State Bank Of St. Charles Missouri is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.66% | 4/18/24 |
| 30 Year Conventional Refi | 6.35% | 4/18/24 |
| 30 Year Cash-out Refi | 6.60% | 4/18/24 |
| 30 Year FHA Purchase | 7.20% | 4/18/24 |
| 30 Year FHA Refi | 7.05% | 4/18/24 |
| 30 Year VA Purchase | 6.13% | 4/18/24 |
| 30 Year USDA Purchase | 6.50% | 4/18/24 |
| 15 Year Conventional Purchase | 5.95% | 4/18/24 |
| 15 Year Conventional Refi | 5.84% | 4/18/24 |
| 15 Year Cash-out Refi | 5.84% | 4/18/24 |
| 15 Year FHA Refi | 5.68% | 4/18/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
First State Bank Of St. Charles Missouri Mortgage Calculator
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Originations
8,258Origination Dollar Volume (All Markets)
$2,108,410,000Employee count
227Awards
First State Bank of St. Charles Missouri - 2020
First State Bank of St. Charles Missouri is a 2020 , due to their low .
For 2020, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 4,177 | $1,088,045,000 | $260,485 | $2,935 | 2.95% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 2,621 | $611,275,000 | $233,222 | $2,591 | 3.07% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 398 | $124,480,000 | $312,764 | $3,498 | 3.13% |
| Outside of Metro Areas | 439 | $98,175,000 | $223,633 | $2,777 | 2.95% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 24 | $8,510,000 | $354,583 | $4,952 | 3.04% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 19 | $6,945,000 | $365,526 | $2,842 | 2.95% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 14 | $6,730,000 | $480,714 | $3,709 | 3.18% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 16 | $6,580,000 | $411,250 | $3,354 | 3.00% |
| FORT COLLINS, CO (FHA|USDA|VA) | 14 | $5,810,000 | $415,000 | $3,182 | 3.31% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 16 | $5,430,000 | $339,375 | $3,410 | 2.97% |
| LAWRENCE, KS (FHA|USDA|VA) | 27 | $5,385,000 | $199,444 | $2,584 | 3.13% |
| Warrensburg, MO (FHA|USDA|VA) | 20 | $4,970,000 | $248,500 | $3,533 | 3.00% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 10 | $4,110,000 | $411,000 | $3,351 | 2.84% |
| WICHITA, KS (FHA|USDA|VA) | 19 | $3,985,000 | $209,737 | $2,891 | 2.82% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 11 | $3,665,000 | $333,182 | $3,848 | 2.91% |
| MANHATTAN, KS (FHA|USDA|VA) | 16 | $3,170,000 | $198,125 | $4,078 | 2.95% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 10 | $3,120,000 | $312,000 | $4,326 | 2.95% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 8 | $3,110,000 | $388,750 | $4,447 | 2.72% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 11 | $3,075,000 | $279,545 | $2,684 | 2.84% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 10 | $3,000,000 | $300,000 | $3,561 | 2.90% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 11 | $2,915,000 | $265,000 | $3,990 | 2.80% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 10 | $2,530,000 | $253,000 | $3,568 | 2.96% |
| TOPEKA, KS (FHA|USDA|VA) | 13 | $2,405,000 | $185,000 | $3,815 | 2.90% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 9 | $2,355,000 | $261,667 | $3,538 | 2.93% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 4 | $2,340,000 | $585,000 | $4,564 | 3.13% |
| Breckenridge, CO (FHA|USDA|VA) | 5 | $2,255,000 | $451,000 | $3,847 | 3.15% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 7 | $2,245,000 | $320,714 | $3,312 | 2.66% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 4 | $2,240,000 | $560,000 | $3,494 | 2.72% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 5 | $2,155,000 | $431,000 | $6,780 | 3.05% |
| COLUMBIA, MO (FHA|USDA|VA) | 10 | $2,080,000 | $208,000 | $2,825 | 2.91% |
| Farmington, MO (FHA|USDA|VA) | 8 | $2,080,000 | $260,000 | $2,828 | 2.78% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 6 | $2,020,000 | $336,667 | $3,623 | 2.98% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 9 | $1,985,000 | $220,556 | $2,998 | 2.79% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 5 | $1,835,000 | $367,000 | $3,217 | 2.65% |
| Ottawa, KS (FHA|USDA|VA) | 7 | $1,815,000 | $259,286 | $4,300 | 3.16% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 4 | $1,770,000 | $442,500 | $8,862 | 3.00% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 6 | $1,710,000 | $285,000 | $3,655 | 2.25% |
| TUCSON, AZ (FHA|USDA|VA) | 5 | $1,705,000 | $341,000 | $3,340 | 3.18% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 5 | $1,625,000 | $325,000 | $2,441 | 3.05% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 6 | $1,620,000 | $270,000 | $3,032 | 3.02% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 2 | $1,610,000 | $805,000 | $4,503 | 2.94% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 5 | $1,605,000 | $321,000 | $4,988 | 2.55% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 4 | $1,550,000 | $387,500 | $4,110 | 3.13% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 4 | $1,420,000 | $355,000 | $2,870 | 3.00% |
| LOUISVILLE, KY (FHA|USDA|VA) | 4 | $1,390,000 | $347,500 | $7,956 | 3.00% |
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 4 | $1,370,000 | $342,500 | $2,935 | 2.72% |
| Holland, MI (FHA|USDA|VA) | 2 | $1,340,000 | $670,000 | $4,006 | 2.81% |
| RICHMOND, VA (FHA|USDA|VA) | 4 | $1,310,000 | $327,500 | $3,022 | 3.16% |
| Kalispell, MT (FHA|USDA|VA) | 2 | $1,220,000 | $610,000 | $3,474 | 3.31% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 4 | $1,200,000 | $300,000 | $2,983 | 2.63% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 3 | $1,065,000 | $355,000 | $4,033 | 4.25% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 3 | $1,005,000 | $335,000 | $4,085 | 2.54% |
| BEND, OR (FHA|USDA|VA) | 3 | $995,000 | $331,667 | $3,440 | 3.00% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 2 | $980,000 | $490,000 | $3,273 | 3.06% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 6 | $970,000 | $161,667 | $2,355 | 2.94% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 3 | $965,000 | $321,667 | $2,572 | 3.08% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 4 | $930,000 | $232,500 | $3,350 | 3.25% |
| NAPA, CA (FHA|USDA|VA) | 2 | $930,000 | $465,000 | $2,841 | 3.13% |
| GREELEY, CO (FHA|USDA|VA) | 3 | $915,000 | $305,000 | $2,685 | 3.17% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 3 | $905,000 | $301,667 | $3,577 | 2.67% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 4 | $840,000 | $210,000 | $3,158 | 3.59% |
| Branson, MO (FHA|USDA|VA) | 4 | $830,000 | $207,500 | $2,645 | 2.66% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $4,060 | 3.00% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $3,141 | 2.96% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 4 | $790,000 | $197,500 | $4,832 | 3.22% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $2,696 | 2.71% |
| Durango, CO (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $2,817 | 2.88% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $5,227 | 2.94% |
| APPLETON, WI (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $2,336 | 3.21% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $2,646 | 3.13% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $2,578 | 2.75% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $2,748 | 3.13% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $3,145 | 3.19% |
| Show Low, AZ (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $3,675 | 2.81% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $3,255 | 2.69% |
| BOISE CITY, ID (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $3,846 | 3.04% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $3,085 | 2.94% |
| Brainerd, MN (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $2,574 | 3.19% |
| PEORIA, IL (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $4,669 | 2.81% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $0 | 2.88% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $22,957 | 3.13% |
| AMARILLO, TX (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $3,235 | 2.75% |
| Payson, AZ (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $4,219 | 2.44% |
| JOPLIN, MO (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $2,782 | 3.42% |
| Edwards, CO (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $3,522 | 4.00% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $2,424 | 2.75% |
| Bozeman, MT (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $3,733 | 3.38% |
| Fort Payne, AL (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $18,860 | 2.38% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $4,364 | 3.25% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $3,793 | 2.88% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $2,966 | 2.63% |
| ROCHESTER, MN (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $2,600 | 2.63% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $4,708 | 2.63% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $3,757 | 3.63% |
| Astoria, OR (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $1,625 | 2.75% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $3,114 | 2.75% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 4 | $440,000 | $110,000 | $0 | 3.06% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $3,515 | 3.06% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $2,498 | 2.50% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $3,706 | 3.25% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $4,164 | 2.63% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $4,251 | 2.75% |
| Ellensburg, WA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $2,402 | 2.75% |
| LINCOLN, NE (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $2,788 | 3.50% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $4,290 | 3.13% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $3,039 | 2.63% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $2,859 | 3.38% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $2,488 | 2.88% |
| KOKOMO, IN (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,827 | 3.00% |
| Sedalia, MO (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $2,562 | 3.31% |
| TULSA, OK (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $3,507 | 2.56% |
| Los Alamos, NM (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,287 | 3.50% |
| JACKSON, MS (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $2,863 | 3.25% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $2,280 | 2.88% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $2,257 | 2.63% |
| SANTA FE, NM (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $2,606 | 3.50% |
| Shelby, NC (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,261 | 2.25% |
| GLENS FALLS, NY (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,355 | 2.25% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,202 | 2.75% |
| GREEN BAY, WI (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $1,797 | 2.50% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $5,965 | 2.50% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $2,542 | 2.94% |
| Granbury, TX (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $6,021 | 3.25% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,869 | 3.38% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,122 | 2.75% |
| Sikeston, MO (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,673 | 3.00% |
| MORGANTOWN, WV (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,568 | 3.25% |
| Newport, OR (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,969 | 2.50% |
| Kapaa, HI (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,715 | 2.50% |
| NILES, MI (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,556 | 4.88% |
| GETTYSBURG, PA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,037 | 2.75% |
| UTICA-ROME, NY (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $12,723 | 2.25% |
| Fort Leonard Wood, MO (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $4,013 | 2.69% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,581 | 3.38% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,071 | 2.38% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 4.13% |
| Mountain Home, AR (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,173 | 2.88% |
| MISSOULA, MT (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,819 | 2.88% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,525 | 2.88% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,781 | 2.75% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,490 | 2.88% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $2,771 | 2.88% |
| Rolla, MO (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,485 | 2.75% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,944 | 3.13% |
| Winfield, KS (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,376 | 2.50% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,287 | 2.50% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,241 | 2.50% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,763 | 3.13% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,252 | 2.38% |
| Cedar City, UT (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,785 | 3.00% |
| Fernley, NV (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,703 | 3.38% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,182 | 2.63% |
| Tahlequah, OK (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,599 | 2.88% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,826 | 2.75% |
| Warsaw, IN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $1,852 | 2.75% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,758 | 2.75% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,247 | 3.75% |
| Salina, KS (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,157 | 3.25% |
| Marshall, MO (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,205 | 3.88% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,222 | 2.75% |
| Maryville, MO (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $0 | 4.19% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,446 | 3.13% |
| Clinton, IA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,334 | 2.88% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 6.00% |
| Pittsburg, KS (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,728 | 2.88% |
| McPherson, KS (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,577 | 2.25% |
| ANN ARBOR, MI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,760 | 3.63% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,158 | 2.88% |
| Hutchinson, KS (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,732 | 3.38% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 4.13% |
| Fremont, NE (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,422 | 3.00% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,055 | 3.00% |
| Marinette, WI-MI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,498 | 2.88% |
| Fort Dodge, IA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,627 | 3.63% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,255 | 2.75% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,491 | 3.00% |
| West Plains, MO (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,423 | 3.38% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,714 | 3.25% |
| RAPID CITY, SD (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,368 | 3.13% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 3.13% |
| Atchison, KS (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $5,354 | 2.75% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 4.00% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,413 | 2.75% |
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Product Mix
For 2020, First State Bank Of St. Charles Missouri's most frequently originated type of loan was Conventional, with 7,609 originations. Their 2nd most popular type was FHA, with 354 originations.
Loan Reason
For 2020, First State Bank Of St. Charles Missouri's most frequently cited loan purpose was Home Purchase, with 3,707 originations. The 2nd most popular reason was Refi, with 3,528 originations.
Loan Duration/Length
For 2020, First State Bank Of St. Charles Missouri's most frequently cited loan duration was 30 Year, with 6,587 originations. The 2nd most popular length was 15 Year, with 1,174 originations.
Origination Fees/Closing Costs
First State Bank Of St. Charles Missouri's average total fees were $3,050, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 7,368 originations.
Interest Rates
During 2020, First State Bank Of St. Charles Missouri's average interest rate for loans was 3.02%, while their most frequently originated rate bucket for loans was 2.5-3%, with 3,548 originations.
Loan Sizing
2020 saw First State Bank Of St. Charles Missouri place emphasis on $200k-400k loans with 4,046 originations, totaling $1,131,620,000 in origination value.
Applicant Income
First State Bank Of St. Charles Missouri lent most frequently to those with incomes in the $100k-150k range, with 2,046 originations. The second most popular income band? $50k-75k, with 1,564 originations.
Applicant Debt to Income Ratio
First State Bank Of St. Charles Missouri lent most frequently to those with DTI ratios of 20-30%, with 2,289 originations. The next most common DTI ratio? 30-36%, with 1,607 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications98.09%
First State Bank Of St. Charles Missouri has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination88.84%
First State Bank Of St. Charles Missouri has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 8,258 | $2,108,410,000 | $255,317 |
Occupancy Type Mix
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2020 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| FIRST NATIONAL BANK OF OMAHA | Conventional home mortgage | Trouble during payment process | 2 | 28.6% |
| FIRST NATIONAL BANK OF OMAHA | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 14.3% |
| FIRST NATIONAL BANK OF OMAHA | Conventional home mortgage | Struggling to pay mortgage | 2 | 28.6% |
| FIRST NATIONAL BANK OF OMAHA | FHA mortgage | Struggling to pay mortgage | 1 | 14.3% |
| FIRST NATIONAL BANK OF OMAHA | Other type of mortgage | Trouble during payment process | 1 | 14.3% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| First State Bank of St. Charles, Missouri | 1501 Old Highway 94 South Saint Charles, MO 63303 | Full Service B&M | $39,612 |
| First State Bank of St. Charles, Missouri | 17050 Baxter Road, Suite 100 Chesterfield, MO 63005 | Full Service B&M | $18,324 |
| First State Bank of St. Charles, Missouri | 206 North Fifth Street St. Charles, MO 63301 | Full Service B&M | $207,754 |
| First State Bank of St. Charles, Missouri | 300 Woodlawn Avenue O'fallon, MO 63366 | Full Service B&M | $56,175 |
| First State Bank of St. Charles, Missouri | 3461 Technology Drive Lake Saint Louis, MO 63367 | Full Service B&M | $38,519 |
For 2020, First State Bank Of St. Charles Missouri had 5 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $16,330 |
| Net interest income | $13,330 |
| Total noninterest income | $65,245 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $182 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $65,063 |
| Pre-tax net operating income | $18,662 |
| Securities gains (or losses, -) | $79 |
| Income before extraordinary items | $14,379 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $14,379 |
| Minority interest net income | $0 |
| Net income | $14,379 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $14,316 |
First State Bank Of St. Charles Missouri's gross interest income from loans was $16,330,000.
First State Bank Of St. Charles Missouri's net interest income from loans was $13,330,000.
First State Bank Of St. Charles Missouri's fee based income from loans was $182,000.
First State Bank Of St. Charles Missouri's net income from loans was $14,379,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $3,000 |
| Provision for credit losses | $3,800 |
| Total noninterest expense | $56,113 |
| Salaries and employee benefits | $47,920 |
| Premises and equipment expense | $2,047 |
| Additional noninterest expense | $6,146 |
| Applicable income taxes | $4,362 |
| Net charge-offs | $22 |
| Cash dividends | $3,688 |
First State Bank Of St. Charles Missouri's interest expense for loans was $3,000,000.
First State Bank Of St. Charles Missouri's payroll and benefits expense were $47,920,000.
First State Bank Of St. Charles Missouri's property, plant and equipment expenses $2,047,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 0.0% |
| Real Estate loans | 0.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 0.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 1.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 0.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.0% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $365,879 |
| Deposits held in domestic offices | $365,879 |
| Deposits by Individuals, partnerships, and corporations | $357,703 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $8,177 |
| Deposits by Commercial banks and other depository institutions in U.S. | $0 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $142,428 |
| Demand deposits | $112,527 |
| Nontransaction accounts | $223,452 |
| Money market deposit accounts (MMDAs) | $99,196 |
| Other savings deposits (excluding MMDAs) | $37,028 |
| Total time deposits | $87,227 |
| Total time and savings deposits | $253,353 |
| Noninterest-bearing deposits | $112,521 |
| Interest-bearing deposits | $253,358 |
| Retail deposits | $349,239 |
| IRAs and Keogh plan accounts | $10,202 |
| Brokered deposits | $0 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $489,510 |
| Cash & Balances due from depository institutions | $4,973 |
| Interest-bearing balances | $1,285 |
| Total securities | $35,199 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $415,691 |
| Loan and leases loss allowance | $6,686 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $7,336 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $4,699 |
| All other assets | $21,612 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $489,510 |
| Total Liabilities | $425,705 |
| Total deposits | $365,879 |
| Interest-bearing deposits | $253,358 |
| Deposits held in domestic offices | $365,879 |
| % insured (estimated) | $75 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $33,628 |
| Subordinated debt | $0 |
| All other liabilities | $26,198 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $415,691 |
| Loan and leases loss allowance | $6,686 |
| Total loans and leases (domestic) | $422,377 |
| All real estate loans | $360,691 |
| Real estate loans in domestic offices | $360,691 |
| Construction and development loans | $27,052 |
| Residential 1-4 family construction | $10,106 |
| Other construction, all land development and other land | $16,946 |
| Loans secured by nonfarm nonresidential properties | $46,404 |
| Nonfarm nonresidential secured by owner-occupied properties | $21,627 |
| Commercial real estate & other non-farm, non-residential | $24,777 |
| Multifamily residential real estate | $488 |
| 1-4 family residential loans | $286,289 |
| Farmland loans | $458 |
| Loans held in foreign offices | $0 |
| Farm loans | $414 |
| Commercial and industrial loans | $56,669 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $486 |
| Credit card loans | $0 |
| Related Plans | $0 |
| Consumer Auto Loans | $58 |
| Other loans to individuals | $428 |
| All other loans & leases | $4,116 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $0 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $0 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $578 |
| Non 1-4 family restructured loans & leases | $0 |
| Total loans and leases (foreign) | $0 |
First State Bank of St. Charles Missouri had $415,691,000 of loans outstanding in 2020. $360,691,000 of loans were in real estate loans. $27,052,000 of loans were in development loans. $488,000 of loans were in multifamily mortgage loans. $286,289,000 of loans were in 1-4 family mortgage loans. $414,000 of loans were in farm loans. $0 of loans were in credit card loans. $58,000 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 181 | $25,251 | $139,508 |
| Nonfarm, nonresidential loans - <$100k | 27 | $1,279 | $47,370 |
| Nonfarm, nonresidential loans - $100-250k | 32 | $4,371 | $136,594 |
| Nonfarm, nonresidential loans - $250k-1MM | 122 | $19,601 | $160,664 |
| Commercial & Industrial, US addressed loans - <$1MM | 370 | $29,010 | $78,405 |
| Commercial & Industrial, US addressed loans - <$100k | 236 | $5,371 | $22,758 |
| Commercial & Industrial, US addressed loans - $100-250k | 71 | $7,401 | $104,239 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 63 | $16,238 | $257,746 |
| Farmland loans - <$1MM | 3 | $458 | $152,667 |
| Farmland loans - <$100k | 1 | $95 | $95,000 |
| Farmland loans - $250k-1MM | 2 | $363 | $181,500 |
| Agriculture operations loans - <$1MM | 2 | $414 | $207,000 |
| Agriculture operations loans - $100-250k | 1 | $120 | $120,000 |
| Agriculture operations loans - $250k-1MM | 1 | $294 | $294,000 |