First Bank
First Bank is a fourth-generation, family-owned bank serving Missouri, Illinois, California, and Kansas, offering personal and business banking, commercial and specialty lending, treasury management, and wealth services to family-owned businesses, consumers, healthcare providers, nonprofits, and national specialty lending clients.
- Company typePrivate
- Founded1926
- HeadquartersSt Louis, United States
- Headcount1,001–5,000
- GTM typeB2B and B2C
- OfferingServices
What First Bank does
First Bank is a fourth-generation, family-owned commercial and retail bank headquartered in Creve Coeur, Missouri, operating branches in Missouri, Illinois, and California with mortgage offices in Kansas. The bank serves four primary customer segments: family-owned and privately-held businesses (its anchor segment), individual consumers, professionals such as doctors, lawyers, and accountants, and specialty verticals including healthcare providers, nonprofit organizations, and national specialty lending clients (mortgage warehouse lenders and private-equity-owned businesses through Sponsor Finance). Approximately 1,001-5,000 employees support the franchise, and Chairman Mike Dierberg and President and CEO Mikel Williamson lead the institution under a 100-year stewardship mandate.
The product suite spans personal deposit accounts (Imagine, Inspire, Icon Checking; Icon High-Yield Savings at 2.75% APY; CDs and IRAs with promotional yields up to 3.90% APY effective 06/23/2026), personal lending (fixed and adjustable-rate mortgages, FHA, VA, Jumbo, First-Time Homebuyer, HomeReady, Professional Home Loan, Thrive Mortgage, home equity, auto, personal loans, Mastercard credit cards), business banking (Business First Checking with first 250 items free, Business Interest Checking, Small Business, Commercial, and Professionals Program with up to 500 free monthly transactions), commercial and specialty lending (SBA 504 and 7(a) as a Preferred Lender with terms up to 20 years, healthcare lending, nonprofit banking, sponsor finance, mortgage warehouse), treasury management (ACH origination, multi-layered Positive Pay, Remote Deposit Capture, Lockbox wholesale and healthcare, automated Sweep services with IntraFi ICS, Zero Balance Accounts, wire initiation domestic and international), and wealth management delivered through First Bank Wealth Management with brokerage and insurance via OSAIC Institutions.
The technology stack is primarily FIS-powered, including lockbox (NetImageRemit), remote deposit (DirectLink), eStatements (WebCD), and the Business eBanking Premier demo environment, complemented by Allpoint ATM network access with 55,000+ surcharge-free ATMs worldwide, SecurLOCK Equip card controls, and mobile applications (First Bank On The Go for consumers, First Bank Biz To Go for businesses). Revenue is generated primarily through net interest income on loans and deposits, supplemented by recurring and transactional fees from treasury management, card interchange, merchant services revenue share with Worldpay, wealth management fees, payroll referral commissions from Paychex, and deposit account service charges. The bank executes a relationship-driven sales motion anchored by Treasury Management Officers, Commercial Banking relationship managers, and Wealth Advisors for commercial clients, complemented by self-serve digital account opening through open.first.bank, a community-led motion via the Center for Family-Owned Businesses, Family Business Check-Up, CFO Roundtable, and Family Business Survey, and channel partnerships with Paychex, OSAIC Institutions, Empower, Worldpay, and Allpoint.
First Bank firmographics
Firmographics- Name
- First Bank
- Legal name
- First Bank
- Website
- https://first.bank
- Company type
- Private
- Founded year
- 1926
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- First Bank is a fourth-generation, family-owned bank serving Missouri, Illinois, California, and Kansas, offering personal and business banking, commercial and specialty lending, treasury management, and wealth services to family-owned businesses, consumers, healthcare providers, nonprofits, and national specialty lending clients.
- Ownership category
- akta.pro rank
First Bank industry classification
Industry- Product category
- Retail and Commercial Banking
- NAICS
- Commercial Banking (522110)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)
- akta.pro secondary industries
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA), Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI), Bank-Affiliated Retail Wealth Management (FSAAAAAB)
Keywords
Where First Bank is headquartered
LocationHeadquarters
- HQ city
- St Louis
- HQ country
- United States
- HQ region
- North America
Markets served
First Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others
Revenue model
- Net Interest Income: Primary revenue driver generated from the spread between interest earned on loans (mortgages, commercial, healthcare, sponsor finance, SBA, small business, mortgage warehouse, consumer) and interest paid on deposits (checking, savings, money market, CDs, IRAs).
- Treasury Management and Cash Management Fees: Recurring and transaction-based fees from ACH origination, positive pay, remote deposit capture, lockbox (wholesale and healthcare), wire initiation (domestic and international), sweep services, zero balance accounts, and cash vault/smart safes, plus inactivity and packaged BeB fees.
- Card Interchange and Credit Card Fees: Revenue from Mastercard Business credit cards (Platinum, Platinum Rewards, Low Rate Platinum, World Elite, Corporate, Corporate Rewards, Purchasing), consumer Mastercard credit cards, and debit card interchange, plus ATM/debit card transaction-related fees.
- Wealth Management Fees: Fees from managed investment accounts, brokerage (stocks/bonds/mutual funds), private lending, family reserve services, retirement/401k plan administration, and insurance products offered through OSAIC Institutions, Inc. (brokerage and insurance products subject to investment risk, not FDIC insured).
- Merchant Services and Payment Processing Fees: Revenue share and fees from merchant card acceptance partnerships with Worldpay for Visa, Mastercard, Discover, American Express, digital wallets, fleet/commercial cards, POS terminals, mobile POS, and eCommerce platforms.
- Payroll and HR Services Fees: Referral/commission revenue from Paychex partnership for payroll administration, federal/state tax filing, health insurance administration, retirement plan administration, unemployment claims, time and attendance, and background check services.
- Deposit Account Service Charges: Monthly maintenance fees on checking accounts (Imagine $5, Inspire $10, Icon $25), overdraft and non-sufficient funds fees, stop payment fees, wire fees, paper statement fees, cashier's check/money order fees, and safe deposit box rental.
- Commercial and Specialty Lending Fees: Origination, servicing, and ancillary fees on commercial banking loans, commercial real estate loans, sponsor finance, healthcare lending, nonprofit financing, SBA 504 and 7(a) loans, mortgage warehouse lending, and business term loans / lines of credit.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Pay-as-you-go | Promotional CDs: 7-Month Promo CD at 3.90% APY, 4-Month at 3.00%, 13-Month at 3.75%, 20-Month at 3.25%, 30-Month at 2.85%, 40-Month at 2.75%, 3-Month at 2.00% |
| Unit Pricing | Pay-as-you-go | Standard CDs/IRAs: 7-29 Days 0.05%, 30-89 Days 0.05%, 6-Month 1.00%, 12-Month 1.00%, 18-Month 0.15%, 24-Month 0.20%, 30-Month 0.25%, 36-Month 0.35%, 48-Month 0.45%, 60-Month 0.50%; 18-Month Variable Rate IRA 3.67% |
| Other | Monthly | Icon High-Yield Savings 2.75% APY; Statement Savings 0.01%; Kids Cash Savings 4.00% on $0.01-$500.00 and 0.01% above; Performance Money Market 0.01%-0.02% tiered at $10,000+ |
| Other | Monthly | Icon Checking 2.60% APY on $0.01-$100,000.00 and 0.20% above; Imagine Checking 2.60% APY on $0.01-$1,000.00 and 0.20% above; Health Savings Account 0.03% |
| Subscription | Monthly | Monthly Maintenance Fees: Imagine Checking $5 (waived if primary owner under 25), Inspire Checking $10 (waived with $500+ direct deposit and $500 average ledger, OR $15,000+ combined balances), Icon Checking $25 (waived with $5,000+ direct deposit and $5,000 average ledger, OR $50,000+ combined balances) |
| Freemium | Monthly | Bill Pay is free for personal eBanking users; Pay People (P2P) service is free; External Transfer setup is free; eStatements without check images are free (fee may apply for check images or paper statements) |
| Subscription | Monthly | Business eBanking packages: Single (1 user, 3 included accounts, BeB inactivity fee applies), Flexible (multiple users, 6 included accounts), Premier (multiple users, 10 included accounts) |
| Other | Monthly | First Performance Checking (legacy product, not for new accounts): Premium interest rate 1.49% on balances up to $25,000 (APY 1.50%) when qualifying with 15+ debit card purchases; $15 monthly maintenance fee waived with 5+ debit card purchases |
Go-to-market motion5 records
Distribution channels11 records
Marketing channels10 records
First Bank product offering
Product offeringCore offering
First Bank is a privately held, family-owned commercial and retail bank that delivers deposit products (checking, savings, money market, CDs, IRAs), consumer and commercial lending (mortgages, home equity, auto, SBA, commercial real estate, specialty lending, healthcare, nonprofit, sponsor finance, mortgage warehouse), treasury management services (ACH, lockbox, positive pay, sweep, remote deposit, wires), wealth management and brokerage through First Bank Wealth Management and OSAIC Institutions, and 24/7 digital banking through web and mobile platforms. It serves individual consumers, small/mid-market businesses, and specialty industry verticals including healthcare, nonprofit, and private equity sponsors across Missouri, Illinois, California, and Kansas (mortgages).
Differentiator
Problem solved
Functional benefit
Brands
- First Bank Wealth Management: A trade name of First Bank used to deliver wealth management, brokerage, retirement, investment, insurance, and trust services to clients. Certain products are offered through OSAIC Institutions, Inc.
- First Bank On The Go
- First Bank Biz To Go
Products and services
- Imagine Checking BankOn-certified personal checking account designed for students or individuals starting their financial journey; offers up to 2.60% APY on balances up to $1,000, $25 minimum opening deposit, $5 monthly maintenance fee waived for primary owners under 25, First Bank Flex Debit Mastercard, no overdraft fees, and free eBanking, Mobile Banking, Mobile Deposit, and eStatements.
- Inspire Checking Personal checking account for everyday banking needs with $100 minimum opening deposit, $10 monthly maintenance fee waivable via direct deposit and balance thresholds or combined relationship thresholds, First Bank Onyx Debit Mastercard with higher daily limits, free standard checks, free cashier's checks and money orders, and Allpoint ATM access.
- Icon Checking Premium personal checking account paying up to 2.60% APY on balances up to $100,000, $100 minimum opening deposit, $25 monthly maintenance fee waivable via $5,000+ direct deposit and $5,000 average ledger or $50,000+ combined balances, First Bank Onyx Debit Mastercard, free standard checks (two free orders every 365 days), no Non-First Bank ATM Withdrawal Fee, and automatic reversal of up to $10 of other banks' ATM Surcharge Fees per cycle.
- Icon High-Yield Savings Personal high-yield savings account paying 2.75% APY (effective 06/23/2026); $100 minimum to open.
- Statement Savings Personal savings account paying 0.01% APY (effective 06/23/2026); $100 minimum to open.
- Kids Cash Savings Minor savings account paying 4.00% APY on balances up to $500 and 0.01% above (effective 06/23/2026); $5 minimum to open; opened in-branch only.
- Performance Money Market Tiered money market account with APYs from 0.01% to 0.02% depending on balance tier (effective 06/23/2026).
- Certificates of Deposit (CDs / IRAs) Personal CDs/IRAs ranging from 7-29 Days (0.05% APY) up to 60-Month (0.50% APY), plus promotional CDs (4-Month 3.00%, 7-Month 3.90%, 13-Month 3.75%, 20-Month 3.25%, 30-Month 2.85%, 40-Month 2.75%) and 18-Month Variable Rate IRA at 3.67% APY (effective 06/23/2026). $1,000 minimum opening balance.
- Coverdell Education Savings / 529 College Savings Plans Personal education savings vehicles: Coverdell Education Savings Account and 529 College Savings Plans.
- Personal Mortgage Loans Personal mortgage loan suite including Fixed-Rate Mortgages, Adjustable-Rate Mortgages, Construction Loans, FHA Loans, VA Loans, Jumbo Loans, First-Time Homebuyer Loans, HomeReady Mortgage Program, Professional Home Loan Program, Rural Housing Loans, and the Thrive Mortgage Loan for the Thrive Banking Suite.
- Home Equity Lines of Credit / Home Improvement Loan Personal home equity products: Home Equity Lines of Credit and a fixed Home Improvement Loan, with employees receiving waived standard closing costs.
- Personal Mastercard Credit Cards Personal credit cards on the Mastercard network: Platinum Mastercard, Platinum Rewards Mastercard, Low Rate Platinum Mastercard, and World Mastercard (rewards on groceries, gas, dining, travel).
- First Bank Debit Mastercard (Flex and Onyx tiers) Personal debit cards on the Mastercard network with contactless tap-to-pay, Zero Liability Protection, ID Theft Protection, Allpoint surcharge-free ATM access (55,000+ ATMs), and digital wallet support (Apple Pay, Google Pay, Samsung Pay). The Onyx variant offers higher daily limits.
- Auto Loans / Personal Loans Personal-purpose loans: Auto Loans (Motor Vehicle Loans) and unsecured Personal Loans, under the Personal/Borrow product line.
- Business First Checking Account Business checking account offering the first 250 items per month free and access to various digital banking solutions.
- Business Interest Checking Account Interest-bearing business checking account with access to First Bank's financial expertise.
- Commercial Checking Account Commercial checking account for higher-volume or larger businesses offering across-the-board value.
- Small Business Checking Account Small business checking with low fees and free eBanking.
- Professionals Checking (Professionals Program) Banking package tailored for professionals (doctors, lawyers, accountants), with up to 500 free monthly transactions, no minimum balance requirements, free first check order up to $50, ACH and Remote Deposit access, fraud prevention tools, and Wealth Management Advisor access.
- Business Savings / Business Money Market / Business CDs Business deposit suite: Business Savings Account, Business Money Market Account (Premier Business Money Market), and Business Certificates of Deposit for reserves and growth.
- Business Mastercard Credit Cards Business credit cards on the Mastercard network: Business Platinum Mastercard, Business Platinum Rewards Mastercard (unlimited cash back), Business Low Rate Platinum Mastercard, and World Elite Mastercard (rewards on travel, dining, fuel, office supplies).
- Commercial Mastercard Credit Cards Commercial-grade credit cards on the Mastercard network: Corporate Mastercard, Corporate Rewards Mastercard, and Purchasing Mastercard, with employee spend controls and accounts payable/reimbursement features.
- First Bank Titanium Debit Mastercard BusinessCard Business debit Mastercard BusinessCard with card controls via SecurLOCK Equip mobile app, designed for fast, secure purchases and online payments.
- Simple Business Loans / Term Loans Business loan products: Simple Business Loans (flexible size and terms) and Term Loans (working capital to major purchases) under the Business/Borrow product line.
- Business Lines of Credit Business credit lines: Working Capital Lines of Credit, Business First Lines of Credit (up to $250,000), and Business Revolving Lines of Credit for liquidity and short-term needs.
- Business Letters of Credit Trade-finance instruments for international transactions: Export Letters of Credit, Transferable Letters of Credit, Import Letters of Credit, Bankers Acceptances, Standby Letters of Credit, Documentary Collections (Incoming/Outgoing), and Confirmation services for overseas trade agreements.
- SBA Loans (504 / 7(a)) SBA Preferred Lender program offering SBA 504 Loans (low down-payment for land/equipment) and SBA 7(a) Loans (real estate, furniture, equipment financing) with terms up to 20 years.
- Commercial and Specialty Lending Commercial lending suite: Commercial Banking (full-service banking for privately-held and family-owned businesses), Commercial Real Estate Loans, Mortgage Warehouse Lending (Warehouse Lines of Credit for independent mortgage bankers), and Sponsor Finance (senior secured, cash-flow based financing for private-equity-owned businesses).
- Healthcare Lending Healthcare-focused lending for physician practices (real estate refinance/acquisition, working capital, acquisitions), skilled nursing and assisted living facilities (real estate, bridge, short/long-term, construction), and other healthcare entities (medical office buildings, urgent care, mental health, pharmacies, specialty/surgical centers).
- Nonprofit Banking Banking solution for nonprofit organizations including tax-exempt/taxable financing, real estate/construction/renovation term loans, working capital and grant/contract receivable lines of credit, treasury management automation (receivables, payables, liquidity, fraud prevention), and dedicated relationship managers.
- Business eBanking Platform Web-based business banking platform offering 24/7 real-time balance, internal/account-to-account transfers, check images, transaction history, electronic bill payment, stop payment, Positive Pay exception review and approval, mobile deposit, account alerts, ACH origination, wire initiation (domestic and international, USD and FX), EDI reporting, lockbox services, cash vault/smart safes, Autobooks integration, and multi-user administration.
- First Bank On The Go Mobile App Consumer mobile banking app for iOS and Android with biometric login (Face/Touch ID), Mobile Deposit, Bill Pay, Pay People (P2P), External Transfers, eStatements, debit card management (lock, activation, PIN change, alerts), secure messaging, and location finder for branches, ATMs, and ITMs.
- First Bank Biz To Go Mobile App Mobile companion to Business eBanking providing mobile deposit and on-the-go account access for business users, available on Apple App Store and Google Play.
- Personal eBanking (Web Platform) Consumer web banking platform with eStatements, Bill Pay, Pay People (P2P payments), External Transfer (to/from other U.S. financial institutions), Mobile Deposit, secure messaging, debit card management, one-time verification codes (text/phone), and Quicken/QuickBooks Web Connect data export. Not available outside the United States.
- Accounts Receivable Services Receivables automation suite for businesses: ACH Collections (pre-authorized debits), Lockbox Services (wholesale and healthcare lockboxes), Merchant Services (via Worldpay for cards/POS/mobile/eCommerce), and Remote Deposit Capture (single or multi-feed desktop scanning).
- Fraud Prevention Services (Positive Pay) Business payment fraud solutions: ACH Positive Pay (designate permitted vendors, block unauthorized debits), Check Positive Pay (Reverse, Traditional, and Payee Positive Pay with three-step check number/date/amount verification, plus payee name verification for moderate to high check volume).
- Liquidity Management Services Liquidity optimization suite: Sweep Services (automated interest sweep via IntraFi ICS, loan sweep, internal sweep, multi-tier, funds manager) and Zero Balance Accounts (subsidiary accounts automatically consolidating into a primary checking account).
- Wire Services Domestic and international wire transfer services. ABA Routing 081009428, SWIFT CODE FBOLUS6L, bank address 11901 Olive Blvd., Creve Coeur, MO 63141. Supports USD and foreign currency wires via Business eBanking, telephone (with signed agreement), or in-branch.
- Paychex Payroll Solutions Payroll and HR services partnership with Paychex: payroll administration, federal/state tax filing, health insurance administration, retirement plan administration, unemployment claims, time and attendance, background checks, and 24/7 payroll reporting for CPA access.
- Wealth Management Wealth Management practice spanning Plan (Retirement Planning, 401k, Employee Retirement Planning, Estate and Legacy Planning, Tax Planning, Charitable Planning, Succession Planning, Business Planning), Invest (Managed Investment Account, Tax-Advantaged Investing, Portfolio Review, Stocks/Bonds/Mutual Funds), Insure, Bank (Private Lending Services, Family Reserve Services), and Trust, delivered through First Bank Wealth Management with brokerage offered via OSAIC Institutions, Inc. (Member FINRA/SIPC).
- Center for Family-Owned Businesses Resource center for family-owned businesses including the Family Business Resource Center with articles/on-demand videos across Current Generation, Next Generation, and Transitioning the Business; the Family Business Check-Up 15-minute confidential questionnaire; CFO Roundtable; Family Business Survey; and engagement programs for stewardship, governance, succession, and growth strategy.
- Financial Calculators Online financial calculators for consumers and businesses: Savings Calculators (Save Towards a Goal, What Will My Savings Be Worth, Calculate Yield at Maturity, How Long Will My Retirement Savings Last), Mortgage Calculators (Home Affordability, Compare Two Mortgage Loans, Mortgage Payment, Rent or Buy), Budget Calculators (Household Cash Flow), and Business Calculators (Projecting Your Cash Flow, Repaying a Business Loan, Financial Ratio Analysis).
- Automated Telephone Banking Phone-based self-service banking accessible at 800-760-BANK (2265): account balances, recent transactions, intra-account transfers, debit card activation, debit card PIN change, cleared-check history, debit/deposit transaction history, and loan/CD/money market/savings account review. English or Spanish options.
Quantifiable outcome
- First Bank Icon Checking offers 2.60% APY on balances up to $100,000, with $25 monthly maintenance fee waivable with $5,000+ direct deposit and $5,000 average ledger, or $50,000+ combined balances
- +6 more outcomes
Companies that use First Bank
Customer profileNamed customers5 records
Segments7 records
Ideal customer profiles7 records
First Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration13 records
Feature7 records
First Bank partnerships and signals
Strategic signalPartnerships
14 partnerships are on record, tiered core and minor.
- MastercardcoreMastercard is the network provider for First Bank's full personal and business card portfolio, including Platinum Mastercard, Platinum Rewards Mastercard, Low Rate Platinum Mastercard, World Mastercard, World Elite Mastercard, Corporate Mastercard, Corporate Rewards Mastercard, Purchasing Mastercard, First Bank Titanium Debit Mastercard BusinessCard, and First Bank Debit Mastercard (Flex and Onyx tiers). Cardholders receive Mastercard Zero Liability Protection, ID Theft Protection, Priceless Specials, and 15% savings on Airport Meet and Greet services.
- PaychexcoreFirst Bank partners with Paychex to offer payroll administration, federal and state tax filing, health insurance administration, retirement plan administration, unemployment claims, time and attendance systems, and background check services to business banking clients. A dedicated Paychex specialist works closely with each business.
- OSAIC Institutions, Inc.coreOSAIC Institutions, Inc. (Member FINRA/SIPC) provides investment and insurance products offered through First Bank Wealth Management, a trade name of First Bank. Products include managed investment accounts, brokerage (stocks, bonds, mutual funds), private lending, family reserve services, retirement/401k plan administration, charitable planning, estate and legacy planning, tax planning, and employee retirement plans. Osaic Institutions Insurance Agency holds CA Agency License #OH30186.
- Allpoint NetworkcoreFirst Bank is a member of the Allpoint Network, providing First Bank Debit Mastercard holders access to over 55,000 surcharge-free ATM locations worldwide, including 40,000+ in the U.S., with Allpoint+ cash deposit capability up to $1,000 at select U.S. locations. Retail partners include Target, CVS Pharmacy, Circle K, and many others.
- WorldpaycoreWorldpay is First Bank's merchant services technology partner, enabling businesses to accept Visa, Mastercard, Discover, American Express, digital wallets, fleet and commercial cards. Includes POS terminal solutions, mobile point-of-sale, and eCommerce platforms, with PCI compliance consultation.
- FIS (Fidelity Information Services)coreFIS powers First Bank's lockbox services (NetImageRemit), remote deposit for business eBanking (DirectLink), and eStatement (WebCD) platforms under the entity code 800815.
- CMA GlobalminorResource partner for the Center for Family-Owned Businesses; works with family businesses to hire the best talent, develop leaders, build collaborative teams, and plan for the future.
- MacKenzie CorporationminorResource partner for the Center for Family-Owned Businesses; guides brands through leveraging customer insights.
- Washington University Koch Center for Family BusinessminorAcademic research partner at Washington University in St. Louis Olin Business School, focused on family enterprise research and resources.
- Family Firm Institute (FFI)minor30+ year industry organization educating, connecting, and inspiring professionals who serve family enterprises; co-marketed as resource partner on the Center for Family-Owned Businesses page.
- Capital Region Family Business Centerminor501(c)(3) organization with mission to help family businesses in the greater Sacramento region grow and prosper; featured as a resource partner.
- Blueprint for Entrepreneurial Growth (B4EG)minorCoaching and consulting resource partner for family business owners to gain clarity and focus on exponential growth.
- Mastercard Airport ConciergeminorFirst Bank Debit Mastercard holders receive 15% savings on Airport Meet and Greet services through this Mastercard benefit partner.
- Harry Chapin Food BankminorFirst Bank donation drive raised $38,685 to support Harry Chapin Food Bank in December 2025.
Scale indicators8 records
Recent moves6 records
Expansion highlights6 records
First Bank competitors and assessment
Company assessmentDirect peers
- Commerce Bank: Commerce Bank is a Midwest-headquartered (Kansas City) family-influenced commercial and retail bank offering commercial lending, treasury management, wealth management, and consumer banking across similar Midwestern geographies — directly comparable to First Bank in scale, product mix, and family-ownership heritage.
- UMB Bank: UMB Financial is a Missouri/Kansas City-based regional bank with commercial banking, treasury management, wealth management, and specialty lending franchises — directly comparable to First Bank's Midwest footprint and commercial banking focus.
- Bell Bank: Bell Bank is a Midwestern, employee-owned commercial and retail bank with a strong commercial banking and treasury management franchise across similar geographies — directly comparable to First Bank in scale and product mix.
- First Interstate BancSystem: First Interstate is a community-focused, multi-state regional bank with commercial banking, wealth management, and treasury services — comparable to First Bank as a privately-influenced, multi-state regional commercial bank.
- Busey Bank: Busey Bank is a Midwest-focused community commercial bank with commercial banking, treasury management, and wealth management — directly comparable to First Bank in scale, geography, and product offering.
- Midland States Bank: Midland States Bancorp is a Midwest-based community commercial bank offering commercial banking, treasury management, wealth management, and specialty lending — directly comparable to First Bank's scale, geography, and product mix.
Broad incumbents
- Fifth Third Bank: Fifth Third is a large Midwest-based commercial bank offering commercial lending, treasury management, wealth management, and consumer banking across geographies overlapping with First Bank — a broader incumbent with similar commercial banking capabilities but greater scale.
- BMO Harris Bank: BMO Harris (U.S. subsidiary of BMO Financial Group) operates a Midwest regional commercial and retail bank with treasury management, commercial lending, and wealth management — overlapping First Bank's Midwest geography and commercial banking focus as a broader incumbent.
- Old National Bank: Old National is a large Midwest regional bank serving commercial, wealth, and consumer banking clients — overlapping First Bank's Midwest footprint with broader scale and similar commercial banking capabilities.
Regional players
- Lindell Bank: Lindell Bank is a St. Louis-headquartered, family-influenced community bank serving similar Missouri-based family-owned business clients — directly comparable to First Bank's St. Louis headquarters and family-owned business niche.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat6 records
Key risks6 records
Key highlights6 records
Customer concentration
First Bank social profiles
Digital presenceFirst Bank compliance and trust
Trust signalCompliance12 records
First Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
First Bank leadership team
Management profileNumber of profiles
Profiles2 records
First Bank subsidiaries and ownership
Company hierarchySubsidiaries1 record
First Bank funding detail
Funding detailFunding overview
Funding rounds2 records
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
First Bank M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about First Bank
What does First Bank do?
First Bank is a privately held, family-owned commercial and retail bank that delivers deposit products (checking, savings, money market, CDs, IRAs), consumer and commercial lending (mortgages, home equity, auto, SBA, commercial real estate, specialty lending, healthcare, nonprofit, sponsor finance, mortgage warehouse), treasury management services (ACH, lockbox, positive pay, sweep, remote deposit, wires), wealth management and brokerage through First Bank Wealth Management and OSAIC Institutions, and 24/7 digital banking through web and mobile platforms. It serves individual consumers, small/mid-market businesses, and specialty industry verticals including healthcare, nonprofit, and private equity sponsors across Missouri, Illinois, California, and Kansas (mortgages).
Is First Bank a public or private company?
First Bank is a private company. It is classified as family owned and is currently operating.
When was First Bank founded?
First Bank was founded in 1926. It employs 1,001 to 5,000 people.
Where is First Bank based?
First Bank is headquartered in St Louis, United States, in the North America region.
How does First Bank make money?
Eight revenue lines are on record. Net Interest Income is the primary driver. The others are treasury Management and Cash Management Fees, card Interchange and Credit Card Fees, wealth Management Fees, merchant Services and Payment Processing Fees, payroll and HR Services Fees, deposit Account Service Charges and commercial and Specialty Lending Fees.
Who are First Bank's main competitors?
Direct peers on record are Commerce Bank, UMB Bank, Bell Bank, First Interstate BancSystem, Busey Bank and Midland States Bank. Broad incumbents are Fifth Third Bank, BMO Harris Bank and Old National Bank. Lindell Bank is listed as a regional player.
Does First Bank have an API?
No public API is recorded for First Bank.
What industry is First Bank in?
First Bank's product category is Retail and Commercial Banking. Its primary akta.pro industry code is FSABABAC, SME Deposits & Business Accounts (Operating, Savings, CDs), with a secondary code of FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings). Its NAICS code is 522110 and its SIC code is 6022.