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Locations & ATMS

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Banking Centers

First State Bank - St. Charles
206 North Fifth Street
St. Charles, MO 63301
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ph (636) 940-5555 / fx (636) 940-5566

First State Bank - St. Charles
1501 Old Highway 94 South
St. Charles, MO 63303
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ph (636) 940-5543 / fx (636) 255-0928

First State Bank - O'Fallon
300 Woodlawn Avenue
O'Fallon, MO 63366
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ph (636) 940-5580 / fx (636) 978-4602

First State Bank - Lake Saint Louis
3461 Technology Drive
Lake Saint Louis, MO 63367
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ph (636) 561-2450 / fx (636) 561-3020

First State Bank - Chesterfield
17050 Baxter Road
Chesterfield, MO 63005
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ph (636) 449-3790 / fx (636) 536-5931


Lobby Hours:
Mon thru Fri 9 a.m. - 5 p.m.
Saturday 9 a.m. - noon

Drive-Up Hours:
Mon thru Fri 8:30 a.m. - 6 p.m.
Saturday 8:30 a.m. - noon

24-hour night drop available at all locations.
24-hour ATM available at all locations.

Mortgage Lending

First State Bank Mortgage – St. Charles
2850 West Clay
St. Charles, MO 63301
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ph (636) 940-5626 (LOAN) / fx (636) 397-5382

First State Bank Mortgage – Lake of the Ozarks
2265 Bagnell Dam Blvd,
Suite B, PO Box 1449
Lake Ozark, MO 65049
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ph (573) 365-5626 (LOAN) / fx (573) 693-9141

First State Bank Mortgage – Chesterfield

16640 Chesterfield Grove Road
Suite 190
Chesterfield, MO 63005
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ph (636) 449-8750

First State Bank Mortgage – Lee’s Summit
1639 NE Douglas Street
Lee’s Summit, MO 64086
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ph (816) 434-7050

First State Bank Mortgage – Overland Park/Leawood
6800 College Boulevard
Suite 100
Leawood, KS 66211
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ph (913) 749-0100


Contact First State Bank of St. Charles by email at: This email address is being protected from spambots. You need JavaScript enabled to view it.

Please note: do NOT send account information in email as this is not a secure method of communication.

First State Bank will be closed on the following holidays: New Year’s Day, Martin Luther King Day, Presidents Day, Memorial Day, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving Day, Christmas Day
* For holidays falling on Saturday, branches will be open the preceding Friday.

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Member FDIC
Equal Opportunity Lender

To report a lost or stolen Debit or ATM card during normal banking hours, please call 636-940-5555. If it is after hours, call 800-554-8969 and then call the bank on the following business day to order a replacement card.

NOTICE: First State Bank is not responsible for and has no control over the subject matter, content, information, or graphics of the websites that have links here. We have provided these links for your convenience. However, we do not endorse or guarantee any products or services you may view on other sites. You should be advised that the First State Bank privacy policies do not apply to the linked websites and that a viewer should consult the privacy disclosure on the site for further information.