First Bank


11901 Olive Boulevard
Creve Coeur, MO 63141
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Notable Rates APY Vs.Others
Savings N.A. 0.95% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

First Bank is an FDIC insured institution located in Creve Coeur, MO. It was founded in 1906 and has approximately $6.26 billion in assets. Customers can open an account at one of its 112 branches.

FDIC Insured Yes
FDIC Certificate # 12229
Date Established 1906
Assets $ 6.26 billion
Loans $ 3.69 billion
Deposits $ 5.54 billion
Capital $ 657.66 million

For a more detailed analysis of First Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 27, 2020

Your Current Location: Connecticut, CT 06828

Loan Rates - October 27, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for First Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
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Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
NMLS ID: 2890
License#: 13256
2.674% 2.625% 0.63 $1,595 $1,005 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
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2.240 %
$0 Learn More
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People's United Bank, N.A.
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4.000 %
$0 Learn More
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Note to First Bank
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Financial Details

First Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
First Bank U.S. Bank Average
2.78% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, First Bank had $18,707,000 in non-current loans and $597,000 in owned real estate. To cover these potential losses it had $657,657,000 in equity and $37,968,000 in loans loss reserves. That gives it a Texas Ratio of 2.78%.

Return on Equity
First Bank U.S. Bank Average
7.18% 7.80%

First Bank has a Return on Equity of 7.18% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

First Bank U.S. Bank Average
10.5% 12.68%

First Bank has a Capitalization of 10.5% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

First Bank Balance Sheet Analysis

As of March 31, 2020, First Bank had assets of $6,260,701,000, loans of $3,686,737,000, and deposits of $5,537,839,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
Cash & Balances due from depository institutions $ 246.99 million
Interest-bearing balances $ 179.88 million
Total securities $ 2.07 billion
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 3.69 billion
Loan loss allowance $ 37.97 million
Trading account assets $ 4.63 million
Bank premises and fixed assets N.A.
Other real estate owned $ 0.60 million
Goodwill and other intangibles $ 12.34 million
All other assets $ 170.84 million
     Total Assets $ 5.60 billion
Total deposits $ 5.54 billion
      Interest-bearing deposits $ 3.89 billion
      Deposits held in domestic offices $ 5.54 billion
      % insured (estimated) 68.66%
Federal funds purchased and repurchase agreements $ 3.62 million
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 61.59 million
      Total Liabilities $ 5.60 billion
      Shareholders’ Equity $ 657.66 million

Summary Income Statement

March 31, 2020
Total Interest Income $ 54.62 million
Total Interest Expense $ 7.51 million
Net interest income $ 47.11 million
Provision for loan and lease losses $ 3.00 million
Total non interest income $ 13.84 million
Total non interest expense $ 41.21 million
Pre-tax Net Operating Income $ 16.74 million

Bank Loan Profile?

The top three loan types in First Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in Missouri, First Bank has a significantly higher percent of Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 29.33
Credit Card Loans 0.00
Consumer Auto Loans 0.10
Small Business Loans 4.30
Construction and Development Loans 4.51
Commercial Real Estate 43.20
Commercial and Industrial Loans 18.24
Farm Loans 0.48

Frequently Asked Questions About First Bank

Branches and Savings

Is First Bank FDIC insured?

Yes. It is covered under FDIC Certificate #12229.

Why does First Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are First Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is First Bank a commercial bank?


Where are First Bank locations?

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Is First Bank open on Saturdays?

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Does First Bank require US citizenship to open account?

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Does First Bank offer mortgages?

Compare mortgage rates here.

Does First Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First Bank offer personal loans?

Compare personal loan rates here.

Does First Bank offer student loans?

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Background on The Bank

Who owns First Bank?

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