First State Bank personal banking customer
HomeBank

We go one better than the best mobile banking app: genuine human connection.

Mortgage Calculators

Employee-owned. People first.

As an employee-owned company, First State Bank of St. Charles is committed to customer service excellence. For us, putting people first means always going above and beyond to help you achieve your goals. Whether you want to build up your savings with a CD. Improve your credit score with a low-rate credit card. Or just simplify your life with easy, intuitive digital banking. Name it, and we’re on it.

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Checking Accounts

Choose a checking account from a local bank you know and trust. We offer a range of options from no frills to premium.
First State Bank mortgage customers closing their home loan

Mortgages

Take out a mortgage with a community bank that cares about you and your needs and has the lending power to offer mortgages in all 50 states.

Financial literacy resources at your fingertips.

United States pennies on teller counter at Frist State Bank.

The End of the Penny: What the U.S. Treasury’s Decision Means for Consumers and Businesses

Learn why the U.S. Treasury stopped making pennies, how much it costs…

Why You Should Bank Locally

As community bankers, our team is often asked, “Why should I bank locally?” The more we’ve been asked this question, the more we have realized…
First State Bank banking team member providing financial education

Financial Education

Power saving tips, financial planning, maximizing credit card perks, and more.

    Choose a checking account from a local bank you know and trust. We offer a range of options from no frills to premium.

    Traveling woman on couch holding hat
    First State Bank mortgage customers closing their home loan

    Take out a mortgage with a community bank that cares about you and your needs and has the lending power to offer mortgages in all 50 states.
    Mother enjoying her savings and money market accounts from First State Bank while gardening with her daughter

    Everyday savings made simple, along with money market and health savings accounts for specific needs. 

    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.