First State Bank has served St. Charles County for over 140 years, and is the oldest independent community bank in the St. Louis metropolitan area. First State Bank's branches have always been, and continue to be, located within St. Charles County. First State Bank is the 7th oldest branch in Missouri. Independent & Locally-Owned Our ownership is shared between our employees and local shareholders. Since 1867, First State Bank has never been bought out by another bank. First State Bank's Commitment Our commitment is to make ourselves available to our customers and to be responsive and easily accessible. Because of our community banking structure, we can deliver faster and more personalized service than a big bank. Please contact any of our locations for your personal or business financial needs.