About First State Bank
Caring for The Financial Success of Our Communities Since 1867
For more than 155 years, First State Bank has been an independent community bank serving the financial needs of the St. Charles, Missouri community. In the last 20 years, we have expanded our reach to serve the St. Louis and Kansas City metro residents and businesses. As an ESOP company, we answer only to our employees and local, private stockholders, allowing us to make decisions that are in the best interest of our customers. We are a full-service financial institution. Whether you are a first-time home buyer, small business, or shopping for CDs, make an appointment to experience our exemplary in-person service and allow us the opportunity to earn your business and trust.
Why Bank with Us?
Friendly & Insightful Service
When you visit, call, or chat online with our expert financial team, you will always interact with a real person and be treated with the utmost respect.
Dedication to Your Success
We strive each day to bring you the latest in personal and business digital banking technologies that allow you to manage your finances while at home, work, or on the go.
Growing Your Financial Future
We are your financial experts and go out of our way to help you plan and ensure you’re on a successful path throughout your financial journey.
Caring for Our Communities
We’re dedicated to investing and volunteering in our communities and helping them succeed through our community outreach & dementia friendly programs.
See What Our People Have to Say About Our Service
Keith S.
Great customer service. They are fast, friendly, and knowledgeable. I would highly recommend First State Bank!
Stefany A.
I really like this local bank; they are always friendly and willing to help. The building is beautiful too. I set up both a personal and business checking account with First State Bank of St. Charles. It is so important to do business with your local community banks. Can’t stress that enough!
John M.
Our company has used this bank for generations. They have always been there for us and have truly been our partner. I cannot speak more highly of their team and the way they build relationships with their customers. If you are looking for a business bank that really cares about you, your business and your success, look no further.
John H.
Working with First State Bank Mortgage was a very pleasant experience from start to finish. I appreciate how helpful the entire office has been securing our mortgage (with a very low rate) for the purchase of our new home. They made what can be a very stressful process completely painless. They have my full recommendation.
Meet Our Leadership Team
Luanne Cundiff
President & CEO
Mary Alsup-Niedergerke
Executive Vice President, First State Wealth Advisors
Mark Prainito
Executive Vice President, Commercial Lending
Daniel Simpson
Executive Vice President, Mortgage Lending
Brian Bredensteiner
Executive Vice President & COO
Learn About Some of our Successes
- “Best Commercial Bank” – Missouri’s Best 2024 Winner, Missouri Magazine
- “A Best Bank” (2014, 2015, 2016, 2017, 2018, 2019, 2020, 2021) – St. Louis Small Business Monthly
- Ranked as one of the top 100 healthiest community banks in the U.S. in 2014 (one of only three in the St. Louis area). “Three St. Louis-area banks rank among 200 Healthiest Community Banks in the U.S.” St. Louis Business Journal
- “Best Bank” (2010, 2011, 2013, 2015, 2016, 2017, 2018) – Best of St. Charles County Annual Readers Poll, St. Charles Suburban Journals and STLtoday.com
- “Best Loan Company” (2009, 2010, 2011, 2012, 2013, 2014, 2015, 2016, 2017, 2018, 2019) – Best of St. Charles County Annual Readers Poll, St. Charles Suburban Journals and STLtoday.com
- “Best Financial Planners” (2011, 2012, 2013, 2014, 2015, 2016, 2017, 2018) – Best of St. Charles County Annual Readers Poll, St. Charles Suburban Journals and STLtoday.com
- Employer of the Year – Jack Heck Award (2017); Employer of the Year (2009) – City of St. Charles
