Putting people first since 1867

At First State Bank of St. Charles, our story isn’t just about how long we’ve been here–it’s about why we’ve stayed. Since 1867, we’ve believed in the power of doing right by people and reinvesting in our community.

We’re more than a bank–we’re your neighbor and financial advocate. And as the world keeps changing, our commitment to showing up, listening closely, and guiding customers with care and expertise remains as strong as ever.

Why Bank With Us

Real relationships, not just transactions.

Our team takes the time to get to know you and your goals–and works hard to help you reach them.

Technology that fits your life.

Whether you prefer banking online, on your phone, or face-to-face, we make it easy.

Guidance for a lifetime.

From saving and borrowing to planning and investing, we’re here with clear advice you can count on.

Deep local roots.

We invest in our communities through outreach, education, and programs that make banking more inclusive–like our dementia- and aging-friendly banking program, which ensures every customer is met with dignity and understanding.

Our Core Values

  • Trust: Your Confidence, Our Commitment

    Trust isn’t a given. It’s earned—every day, in every interaction. We don’t just hold your money. We hold your confidence. That means honest conversations, clear guidance, and decisions that put your best interests first. When we say we’re here for you, we mean it.

  • Integrity: Built on Principles, Not Shortcuts

    We don’t chase trends, cut corners, or make promises we can’t keep. Our word is our bond, and our handshake still means something. At our core, integrity is about being accountable to you, our team, and the community we serve—because doing right by people is the only way we do business.

  • Community: Investing in the Places We Call Home

    This isn’t just where we do business—it’s where we live, where our kids go to school, and where we invest our time and resources. With deep roots in the communities we serve, we’re committed to helping local businesses grow and supporting families at every stage of life. Banking should feel personal because it is, and we’re here to grow alongside the communities we call home.

Meet Our Leadership Team

Luanne Cundiff

President & CEO

Brian Bredensteiner

Executive Vice President & COO

Jeff Redford

Executive Vice President, Technology

Daniel Simpson

Executive Vice President, Mortgage Lending

Mary Alsup-Niedergerke

Executive Vice President, First State Wealth Advisors, Program Manager, LPL Financial Advisor

Mark Prainito

Executive Vice President, Commercial Lending

Service that Succeeds

First State Bank of St. Charles is customer service excellence in action, and we’re proud to have earned the accolades to prove it.

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

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

Disclosures

First State Mortgage is a division of First State Bank of St. Charles, MO. NMLS ID: 416668. Authorized to lend in all 50 states. This is not a loan commitment or guarantee. All loans are subject to approval, creditworthiness, and income verification. Applicants must be at least 18 years old. Programs, rates, terms, and conditions are subject to change without notice. Certain restrictions may apply.