← Back to Institutions
First Bank
St. Louis, MO·FDIC Cert #12229·Charter: STATE·Est. 19060730.0·HC: FB CORP
Total Assets
$6.7B
Q4 2025
Return on Assets
0.51%
+0.05%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
79.27%
Peer avg: 57.3%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
54
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.51%+0.05
ROE
6.65%+0.53
Efficiency
79.27%-1.35
Equity/Assets
0.00%+0.00
NPL Ratio
0.24%-0.14
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
66.78%-1.08
Charge-offs
0.14%-0.03
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.2 | 0.3 | 0.2 | 0.3 | 0.2 | 0.4 | 0.5 | 0.5 |
| ROE | 3.3 | 3.9 | 3.1 | 3.8 | 3.0 | 5.0 | 6.1 | 6.7 |
| Efficiency | 89.0 | 88.4 | 89.5 | 87.1 | 89.0 | 83.6 | 80.6 | 79.3 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.2 | 0.3 | 0.4 | 0.3 | 0.4 | 0.3 | 0.4 | 0.2 |
| Charge-offs | 0.0 | 0.1 | 0.1 | 0.1 | 0.1 | 0.2 | 0.2 | 0.1 |
| Loan/Deposit | 66.2 | 66.1 | 64.1 | 63.4 | 65.3 | 66.3 | 67.9 | 66.8 |
Balance Sheet
Total Assets$6.7B
Total Deposits$6.0B
Total Loans$4.0B
Total Equity$535.7M
Profitability
ROA0.51%
ROE6.65%
Efficiency Ratio79.27%
Net Income$33.5M
Risk & Asset Quality
NPL Ratio0.24%
Charge-off Rate0.14%
Loan/Deposit66.78%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans