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Banking Centers

First State Bank – St. Charles
206 North Fifth Street
St. Charles, MO 63301
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ph (636) 940-5555 / fx (636) 940-5566

First State Bank – St. Charles
1501 Old Highway 94 South
St. Charles, MO 63303
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ph (636) 940-5543 / fx (636) 255-0928

First State Bank – O’Fallon 
300 Woodlawn Avenue
O’Fallon, MO 63366
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ph (636) 940-5580 / fx (636) 978-4602

First State Bank – Lake Saint Louis
3461 Technology Drive
Lake Saint Louis, MO 63367
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ph (636) 561-2450 / fx (636) 561-3020

First State Bank – Chesterfield
17050 Baxter Road
Chesterfield, MO 63005
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ph (636) 449-3790 / fx (636) 536-5931

Toll-free 1-888-287-2175


Lobby Hours:
Mon thru Fri 9 a.m. – 5 p.m. 
Saturday 9 a.m. – noon

Drive-Up Hours:
Mon thru Fri 8:30 a.m. – 6 p.m. 
Saturday 8:30 a.m. – noon

24-hour night drop available at all locations.
24-hour ATM available at all locations.

*Effective March 4, 2019, our lobby and drive-up hours will change. Please visit our new hours page for more details.


Contact First State Bank of St. Charles by email

Please note: do NOT send account information in email as this is not a secure method of communication.

Mortgage Lending

First State Bank Mortgage – St. Charles
2850 West Clay
St. Charles, MO 63301
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ph (636) 940-5626 (LOAN) / fx (636) 397-5382

First State Bank Mortgage – Lake of the Ozarks
Conveniently located in Dierbergs Plaza
4655 Osage Beach Pkwy,
Suite B
Osage Beach, MO 65065
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ph (573) 365-5626 (LOAN) / fx (573) 693-9141

First State Bank Mortgage – Chesterfield
16690 Swingley Ridge Road
Suite 150
Chesterfield, MO 63017
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ph (636) 449-8750

First State Bank Mortgage – Lee’s Summit
1639 NE Douglas Street
Lee’s Summit, MO 64086
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ph (816) 434-7050

First State Bank Mortgage – Overland Park/Leawood
6800 College Boulevard
Suite 100
Leawood, KS 66211
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ph (913) 749-0100

First State Mortgage – Scottsdale
14624 North Scottsdale Road
Suite 240
Scottsdale, AZ 85254
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ph (480) 465-4550

First State Bank will be closed on the following holidays: New Year’s Day, Martin Luther King Day, Presidents Day, Memorial Day, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving Day, Christmas Day
* For holidays falling on Saturday, branches will be open the preceding Friday.

Vendor Diversity Program
We believe that banks that actively embrace diversity and consistently demonstrate their commitment to the communities they serve, establish a sustainable competitive advantage in the marketplace.

We proactively seek diverse suppliers. To support our community, we must include the broadest range of people, ideas, products and services possible. Our Vendor Diversity program does just that. We do everything we can to ensure that diversity-owned businesses are afforded equal opportunity to participate in our procurement processes.

To qualify for our Diversity program a business must be at least 51% owned, controlled, and managed by a minority or woman.

We encourage prospective suppliers to contact us at 636-940-5555, toll-free 1-888-287-2175 or for more information on our Vendor Diversity Program.

Find an ATM

Find a NO-FEE MoneyPass ATM near you.

Find a Branch

Locate a branch near you or call