First State Bank of St. Charles is a trusted community bank that has been serving the financial needs of St. Charles, MO, for over 155 years.

We have expanded our reach to also serve residents and businesses in the St. Louis and Kansas City metro areas. As an ESOP company, we prioritize the interests of our employees and local stockholders, which allows us to make decisions that truly benefit our customers.

We offer a comprehensive range of financial products and services for both personal and business needs. Our personal banking options include various checking and savings accounts, as well as investment accounts and special offers. We also provide digital banking solutions for convenient money management.

For businesses, we offer tailored banking solutions, including checking and savings accounts, digital banking, cash management, and commercial lending services. Our dedicated commercial lending team is committed to helping small businesses and providing outstanding customer service. At First State Bank, we pride ourselves on delivering friendly and insightful customer service.

We prioritize your success and are dedicated to helping you grow your financial future. Additionally, we are actively involved in supporting and volunteering in our communities through outreach programs. Don't just take our word for it—our satisfied customers have praised our exceptional service and expertise.

Experience the difference of banking with First State Bank of St. Charles and let us earn your trust and business