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Q2 2026 · read from the 30 June 2026 Call Report · United States · Plains · Missouri, the state note

First Bank

St. Louis, Missouri · $6.65B in assets · beside the 8 other Missouri banks between $3B and $10B

The filing

73.0%
Loans / deposits
1st of 9
8.4%
Equity / assets
9th of 9
0.65%
ROA
9th of 9

First Bank is the largest of the 9 Missouri banks between $3B and $10B, with $6.65B in assets at 30 June 2026. Loans are 73.0% of deposits, the lowest in the cohort against a median of 96.9%, and equity is 8.4% of assets, the lowest in the cohort. Loans grew +7.8% in the year, 3rd of 9, and deposits fell 1.1%; the cohort's median loan growth is +7.1%.

Noncurrent loans are 0.27% of the book, 2nd of 9 against a median of 0.90%; 0.19% is 30 to 89 days past due, and the allowance covers them 3.8 times. Net charge-offs are 0.17% of loans, 5th of 9. Commercial real estate is 30.2% of loans, 3rd of 9 against a median of 36.5%, and 184% of capital, below the 300% screen, with construction at 29% against the 100% screen.

Return on assets is 0.65%, the lowest in the cohort against a median of 1.27%, on an efficiency ratio of 73.7%, 8th of 9. Five years ago it was 0.85%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Loans as a share of depositsMO banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 96.9% FB First Bank 73.0% Bo Bank of Missouri 88.8% FS First State Community Bank 91.4% AB Academy Bank National Association 92.9% MB Midwest Bankcentre 96.9% SB Southern Bank 99.4% GS Great Southern Bank 100.1% OB Oakstar Bank 101.7% NA North American Savings Bank FSB 117.8%
Loans, year over yearMO banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +7.1% Bo Bank of Missouri +48.0% OB Oakstar Bank +10.4% FB First Bank +7.8% FS First State Community Bank +7.3% SB Southern Bank +7.1% AB Academy Bank National Association +5.5% NA North American Savings Bank FSB +1.8% MB Midwest Bankcentre +1.7% GS Great Southern Bank -4.9%

SBA 7(a), FY2008 to FY2026

First Bank is the 129th largest 7(a) lender into Texas of 706, with $62M across 177 loans, 0.1% of everything approved in the state (Live Oak Banking Company leads with $2.53B). 175 of its 175 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Texas, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Harris, TX$26M65th of 3140.3%quiet FY2009
Los Angeles, CA$6M156th of 3080.0%quiet FY2017
Saint Louis, MO$4M61st of 1780.3%quiet FY2017
Tarrant, TX$4M128th of 2810.1%quiet FY2009
Hillsborough, FL$4M81st of 1950.2%quiet FY2009
Maricopa, AZ$4M134th of 3030.1%quiet FY2009
Brazoria, TX$4M42nd of 1290.7%quiet FY2009
Fort Bend, TX$4M70th of 1800.2%quiet FY2009
Broward, FL$4M93rd of 2090.1%quiet FY2009
Montgomery, TX$3M75th of 1650.3%quiet FY2009
Galveston, TX$3M37th of 1130.6%quiet FY2009
Palm Beach, FL$3M109th of 1950.1%quiet FY2009
Ventura, CA$3M82nd of 1590.2%quiet FY2016
162 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services94$47M27.1%0.06%231st of 2,596
Other services116$35M20.3%0.10%162nd of 2,248
Retail trade48$19M11.0%0.03%324th of 2,589
Manufacturing37$15M8.8%0.04%350th of 2,246
Health care & social assistance35$15M8.4%0.03%314th of 2,172
7(a) lenders into Texas, share of approvals since FY2008706 lenders on record; the ten largest and First Bank
LO Live Oak Banking Company 5.8% $2.53B · 1,820 loans TH The Huntington National Bank 5.2% $2.28B · 3,585 loans WF Wells Fargo Bank National Associa… 4.6% $2.02B · 7,244 loans PB PNC Bank, National Association 3.9% $1.70B · 8,154 loans JC JPMorgan Chase Bank, National Ass… 3.4% $1.49B · 7,339 loans WB Wallis Bank 3.2% $1.41B · 1,134 loans CB Celtic Bank Corporation 2.0% $879M · 1,359 loans Bo Bank of Hope 1.7% $741M · 1,359 loans RL Readycap Lending, LLC 1.7% $728M · 1,216 loans EB Enterprise Bank & Trust 1.6% $717M · 569 loans FB First Bank 0.1% $62M · 177 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 1 CBLR filer; owner-occupied excluded; bold marks a screen met
First BankRankCohort median
Total CRE against capital, the 300% screen184%2nd of 9228%
Construction against capital, the 100% screen29%1st of 968%
Construction and land development, share of loans4.7%1st of 99.4%
Non-owner-occupied nonfarm nonresidential, share of loans21.0%5th of 921.0%
Total CRE, the guidance definition, share of loans30.2%3rd of 936.5%
CRE growth over 36 months, the third prong+30.4%3rd of 9+40.0%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
First Bank$6.65B0.7%73.7%0.27%0.17%1.0%73.0%8.4%
Great Southern Bank$5.53B1.3%63.2%0.02%0.04%1.5%100.1%11.0%
Southern Bank$5.19B1.5%51.2%0.63%0.21%1.2%99.4%10.5%
First State Community Bank$4.51B1.8%49.2%1.07%0.12%1.1%91.4%12.5%
Bank of Missouri$4.23B0.9%75.0%1.53%0.84%0.7%88.8%11.7%
Oakstar Bank$3.29B1.5%56.5%0.48%0.08%1.2%101.7%9.9%
Academy Bank National Association$3.23B1.0%63.1%1.05%0.29%1.4%92.9%14.6%
North American Savings Bank FSB$3.20B1.3%46.2%0.90%0.03%1.3%117.8%13.7%
Midwest Bankcentre$3.07B1.3%51.9%1.07%0.23%1.3%96.9%12.4%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
First BankCohort median
20212026Change20212026Change
Loans$3.57B$4.26B+19%$1.85B$3.18B+72%
Deposits$6.03B$5.83B-3%$2.24B$3.58B+60%
NPA / loans0.86%0.27%-0.59 pts0.39%0.90%+0.50 pts
Efficiency67.0%73.7%+6.7 pts63.5%56.5%-7.0 pts
ROA0.85%0.65%-0.20 pts1.50%1.27%-0.22 pts

This read was prepared for First Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on First Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort MO banks $3B to $10B
Institution WWW.FIRST.BANK

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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