# FIRST BANK
ST. LOUIS, MO · FDIC certificate 12229 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $6.65B | |
| Deposits | $5.83B | |
| Loans and leases | $4.26B | |
| Total equity | $561.2M | |
| Loans / deposits | 72.28% (p20 of band) | 87.10% |
| Liquid assets / assets | 31.45% (p78 of band) | |
| Uninsured deposits / deposits | 29.61% (p46 of band) | 30.76% |
| Brokered deposits | 0.49% | |
| Wholesale funding | 3.12% (p36 of band) | |
| FHLB advances / assets | 2.63% | |
| Tier 1 leverage | 9.67% (p28 of band) | 10.50% |
| Unrealized securities loss / equity | -47.32% (p3 of band) | -7.75% |
| AOCI / equity | 0.63% (p94 of band) | |
| ROA (annualized) | 0.66% (p13 of band) | 1.26% |
| Net interest margin | 3.08% (p18 of band) | 3.70% |
| Efficiency ratio | 73.69% (p85 of band) | |
| Noncurrent loans | 0.27% (p29 of band) | 0.51% |
| Net charge-offs (annualized) | 0.11% (p77 of band) | |
| Reserve coverage of noncurrent | 378.03% | |
| Real estate % of loans | 70% | |
| Construction % of loans | 35.45% (p37 of band) | |
| Auto loans | $223,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $405.2M (72% of equity) (p98 of band) | |
| Deposits YoY | -1.1% | |
| Employees | 785 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **loans-to-lenders >50% equity** (`conc_warehouse`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, expense ratio p90, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 4 | charge-offs p90 | noncurrent p90 |
| 2011-09 | 4 |  |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 3 | deposits shrinking, assets shrinking | losing money, expense ratio p90, charge-offs p90 |
| 2012-06 | 3 |  |  |
| 2012-09 | 1 |  | deposits shrinking, assets shrinking |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | deposits shrinking |  |
| 2013-06 | 3 | assets shrinking |  |
| 2013-09 | 0 |  | reserve under noncurrent, deposits shrinking, assets shrinking |
| 2013-12 | 2 | deposits shrinking, assets shrinking |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 1 | capital falling | deposits shrinking, assets shrinking |
| 2015-03 | 2 | expense ratio p90 |  |
| 2015-06 | 1 |  | capital falling |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | expense ratio p90 |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 2 | charge-offs p90 |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | securities losses >30% of equity, NIM <2.5% | charge-offs p90 |
| 2022-06 | 3 | AOCI drag >20% of equity |  |
| 2022-09 | 4 | expense ratio p90, assets shrinking | NIM <2.5% |
| 2022-12 | 5 | deposits shrinking |  |
| 2023-03 | 4 | uninsured deposits leaving | AOCI drag >20% of equity, expense ratio p90 |
| 2023-06 | 3 | expense ratio p90 | assets shrinking, deposits shrinking |
| 2023-09 | 4 | capital falling |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 4 | NIM <2.5% | capital falling |
| 2024-06 | 3 |  | uninsured deposits leaving |
| 2024-09 | 3 |  |  |
| 2024-12 | 4 | capital falling |  |
| 2025-03 | 3 | loans-to-lenders >50% equity | NIM <2.5%, capital falling |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 2 |  | expense ratio p90 |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2025-11-11 [First Bank CEO Williamson bets on AI and Texas expansion amid flat growth over 5 years - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxOSVluelBrRk5acE9nbFhxMmdDdDM1UFRuYjZ4V0VBVGtiOV9aLVVYd25Za3FsVERpNTlFZ2t6UlZ6MmtkVXV4YjFIRjR4WlRxdThKRnVwc3RXV3BaeXZLd0ZtY0plWk9GY0pBeno2T25RODVock9uQ2FKV2pvNnIyREZoVVZTWGwzQnJHaEpxU0NBRVFfWmJuX3NLTnYwZUgzN1VNaE40OA?oc=5) · The Business Journals
- 2024-07-15 [Missouri’s First Bank leans on ‘Goldilocks size’ - Banking Dive](https://news.google.com/rss/articles/CBMi0wFBVV95cUxNdXdWVHJsYVBYNm1Ucm1vYkc3bWdQRktVRFk0ZzRaZlBJakRmWTA4NDhWYVI2NjdmSlRRTnAta2FqWWV4aWdjZmRpTTA3cWw4aVNpc0p5ZnJuYUJ6YjUzVlJRVzROWmZRTFUxdS1vUXRVSF90Z3A0ZXJBbkRnMy1YNXduNkcwd3dGcjlEb1dpUHlpbmo2WVpWM19kSUZad1I0Yy1ZVlYwRWQwWlNzbE9Kek1FenlpTm9qSjRhLXZoTjN2WnpEeThWZXZFQVkxN242WVdB?oc=5) · Banking Dive
- 2025-08-05 [Bank Robbery Investigation 4000 Block of North Highway 67 - St. Louis County Police](https://news.google.com/rss/articles/CBMiwwFBVV95cUxObU53eDJPSVZvOVI2UC1Ib1NrSHFMNEhsUzVCNmdGZkR3dDAtd2hSWUdmXzNyRmplZDhSSEtXV1VHYVZMSnRxVkNNRFRuMnFRblcwOVEyM2ZkYUVYRVFFakRBLW11SXR5Y282cktuSk9GZkJJQS1oTGg2YzZSWl84V3Etc1l1VHpfamVvSHJ5X1hBUWRLMG1ncG9JcHYzbjl6ZmR6RDN6cXZ5YlZZeHl1Z1RTdERqeTU4Y3FVc1ZCSkxlS2c?oc=5) · St. Louis County Police
- 2024-05-07 [First Bank Opens New Creve Coeur Headquarters - St. Louis Economic Development Partnership](https://news.google.com/rss/articles/CBMifkFVX3lxTE95NHptZlVGbFJOXy1jbS1CRUNRSlpST1BQNGFyNDRjYjBtVnppLVhmaTloellqb1hNYllfeU52RVVOMnJsbTVwWlN1RDJJcUNSQ0llaVVvbU1qT01jY2FDdGdEbFhsWWZoS09RWmZ1c0F0VUxOTWFqNHBieTN4UQ?oc=5) · St. Louis Economic Development Partnership
- 2019-05-01 [First Bank in Missouri taps insider as next CEO - American Banker](https://news.google.com/rss/articles/CBMifEFVX3lxTE1uQmlKRlNLOEtPR1lCU0dLeGw5cFFXbkZnNlhVOHVBSVh0R19mZU4teW8yU2VTMGhOZ1ROcVhDSlNrLWpVUGg2NnpTNFJJMjhwOTBlRVBla3NxalJxaDdHb3ljand6MVZLN0lXN0txMG5jTHdKTENGNHQ4WHA?oc=5) · American Banker
- 2022-05-27 [First Bank plans to open new headquarters in Creve Coeur in 2024 - KSDK](https://news.google.com/rss/articles/CBMi2AFBVV95cUxPWWpBNE9OZGpwV0RZUmxUcFhzMXZHWGVDSWkzSExwRlQ5NldDR20waUhEbF9uUXV3eUs4dDJZSnNfZzNySms4SXhEYlA1T3V6TnY5UkY2LS10ZGJUT2ZEUjlDUVNVdlMtVUwwaVFrWk04ZzktNVVfN2NpM3RxSDJhQk13ZmdhS3RmWmNqUy10RlZMY0pYQVl4NzQ0aC1Hdk1QRmswTHV4MmE2eENRcGRVSi1maEl5WnEtbFNWX0RsVkw2bmRUMVg5UGpLSmplS0gxc3pwMURDa18?oc=5) · KSDK
- 2024-06-17 [Girls Inc. and First Bank partner to host 6-week Entrepreneurship and Business Program on UMSL’s campus - UMSL Blogs](https://news.google.com/rss/articles/CBMi2AFBVV95cUxPYmZHRXVLTGl0bUZjeU9qWnAwQjJpUnFjSWVfaExOS1o1Vm9mT2RVcm5Hb1VXSkIweWZRX2l6R3lLM1djRklTbGljaUwtY3JnSEJ4WllLeDdBSjFlSlFaOXA3dU5HRmNpWWg5a1V0SUp5Q1Q1WDVNcG1fREtvUUJNdEI2TUZNZnVENDM0bzFOUmlxZF9MZ1cya3l6ZzI0ZkxzRW9UdGJkSl9FMVJQY0p5U2J3ZEhSeDJBSjVsUGRSWnkzS2EwM0xkLUtYTV9NSmdsXzJOajcxOVA?oc=5) · UMSL Blogs

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12229 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/5.json (key "12229", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide