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

First State Community Bank

Farmington, Missouri · $4.51B in assets · beside the 8 other Missouri banks between $3B and $10B

The filing

1.81%
ROA
1st of 9
1.07%
NPA / loans
8th of 9
49.2%
Efficiency
2nd of 9

First State Community Bank is the fourth largest of the 9 Missouri banks between $3B and $10B, with $4.51B in assets at 30 June 2026. Loans are 91.4% of deposits, 3rd of 9 against a median of 96.9%, and equity is 12.5% of assets, 3rd of 9. Loans grew +7.3% in the year, 4th of 9, and deposits grew 5.9%; the cohort's median loan growth is +7.1%.

Noncurrent loans are 1.07% of the book, 8th of 9 against a median of 0.90%; 0.36% is 30 to 89 days past due, and the allowance covers them 1.0 times. Net charge-offs are 0.12% of loans, 4th of 9. Commercial real estate is 36.5% of loans, 5th of 9 against a median of 36.5%, and 225% of capital, below the 300% screen, with construction at 78% against the 100% screen.

Return on assets is 1.81%, the highest in the cohort against a median of 1.27%, on an efficiency ratio of 49.2%, 2nd of 9. Five years ago it was 1.50%. The question is which of these lines moves first over the next four quarters, and against which peer.

Return on assetsMO banks $3B to $10B · 30 June 2026 · higher is stronger, listed first
median 1.27% FS First State Community Bank 1.81% SB Southern Bank 1.51% OB Oakstar Bank 1.46% MB Midwest Bankcentre 1.34% NA North American Savings Bank FSB 1.27% GS Great Southern Bank 1.26% AB Academy Bank National Association 1.05% Bo Bank of Missouri 0.93% FB First Bank 0.65%
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 State Community Bank is the 47th largest 7(a) lender into Missouri of 444, with $32M across 100 loans, 0.4% of everything approved in the state (Oakstar Bank leads with $556M). 20 of its 30 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Missouri, 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
Laclede, MO$12M1st of 2030.3%quiet FY2018
Saint Francois, MO$4M5th of 375.7%quiet FY2017
Bollinger, MO$3M1st of 831.4%quiet FY2019
Wayne, MO$2M1st of 833.4%quiet FY2020
Saint Louis, MO$1M103rd of 1780.1%+0.2 pts
Greene, MO$1M40th of 800.2%thin
Franklin, MO$1M22nd of 491.0%-0.6 pts
Cape Girardeau, MO$781K13th of 351.5%thin
Perry, MO$750K6th of 153.0%quiet FY2018
Phelps, MO$686K14th of 281.9%thin
Montgomery, MO$662K5th of 97.1%thin
Macon, MO$365K8th of 144.3%thin
Dunklin, MO$350K8th of 103.2%quiet FY2016
17 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
Retail trade18$8M26.1%0.01%537th of 2,589
Manufacturing7$6M18.9%0.02%614th of 2,246
Construction16$5M15.2%0.02%580th of 2,063
Accommodation & food services16$3M10.3%0.00%1002nd of 2,596
Wholesale trade8$3M8.6%0.01%614th of 1,651
7(a) lenders into Missouri, share of approvals since FY2008444 lenders on record; the ten largest and First State Community Bank
OB Oakstar Bank 7.3% $556M · 864 loans SB Simmons Bank 6.1% $463M · 1,400 loans LO Live Oak Banking Company 5.3% $404M · 257 loans MR Midwest Regional Bank 4.6% $353M · 393 loans UB U.S. Bank, National Association 4.0% $302M · 2,342 loans TB The Bank of Missouri 3.1% $235M · 887 loans CB Commerce Bank 3.0% $229M · 926 loans BB Busey Bank 2.8% $209M · 281 loans SB Southern Bank 2.3% $172M · 361 loans TC The Central Trust Bank 2.1% $157M · 770 loans FS First State Community Bank 0.4% $32M · 100 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 State Community BankRankCohort median
Total CRE against capital, the 300% screen225%4th of 9228%
Construction against capital, the 100% screen78%7th of 968%
Construction and land development, share of loans12.7%8th of 99.4%
Non-owner-occupied nonfarm nonresidential, share of loans18.9%4th of 921.0%
Total CRE, the guidance definition, share of loans36.5%5th of 936.5%
CRE growth over 36 months, the third prong+45.2%7th 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 State Community BankCohort median
20212026Change20212026Change
Loans$2.50B$3.45B+38%$1.85B$3.18B+72%
Deposits$3.15B$3.78B+20%$2.24B$3.58B+60%
NPA / loans0.38%1.07%+0.69 pts0.39%0.90%+0.50 pts
Efficiency57.4%49.2%-8.2 pts63.5%56.5%-7.0 pts
ROA1.50%1.81%+0.31 pts1.50%1.27%-0.22 pts

This read was prepared for First State Community 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 State Community 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.fscb.com

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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