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First Bank

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uuid00003mk

Namestring
First Bank
Legal namestring
First Bank
Websiteurl
first.bank
Company typeenum
Private
Founded yearint
1926
Descriptiontext

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.

Short descriptiontext

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.

Operating statusenum
Operating
Ownership categoryenum
Headcount rangeband
1,001–5,000
akta.pro rankint
HeadquartersSt Louis, United States
HQ citystring
St Louis
HQ countrystring
United States
HQ regionstring
North America
Markets served

Serves global market

Keyword5 values
retail banking services, commercial lending, treasury management, wealth management, small business banking
Industry4 codes
1SME Deposits & Business Accounts (Operating, Savings, CDs)
CodeFSABABACPrimaryYes
2Mass-Market Consumer Deposit Banking (Checking/Savings)
CodeFSABAAAAPrimaryNo
3Small Business Banking (Microbusiness/Sole Proprietor)
CodeFSABAAAIPrimaryNo
4Bank-Affiliated Retail Wealth Management
CodeFSAAAAABPrimaryNo
NAICS code1 code
  • Commercial Banking522110
SIC code1 code
  • State Commercial Banks6022
Product category
Retail and Commercial Banking
GTM motion5 records

Each record includes

Type, Description, Source

Revenue model8 records
1Net Interest Income
TypeSubscription Recurring
Description

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).

first.bank
2Treasury Management and Cash Management Fees
TypeTransaction Fee
Description

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.

first.bank
3Card Interchange and Credit Card Fees
TypeTransaction Fee
Description

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.

first.bank
4Wealth Management Fees
TypeManaged Services
Description

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).

first.bank
5Merchant Services and Payment Processing Fees
TypeTransaction Fee
Description

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.

first.bank
6Payroll and HR Services Fees
TypeAffiliate Referral
Description

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.

first.bank
7Deposit Account Service Charges
TypeSubscription Recurring
Description

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.

first.bank
8Commercial and Specialty Lending Fees
TypeTransaction Fee
Description

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.

first.bank
Marketing channels10 records

Each record includes

Title, Type, Stage, Description, Source

Distribution channels11 records

Each record includes

Title, Type, Scope, Target buyer, Description, Source

Cost components6 values
Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others
Pricing details8 tiers
1Promotional 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%
ModelUnit PricingBilling cadencePay-as-you-go
Notes

$1,000.00 minimum opening balance; maximum balance limits apply; rates may differ for renewals; APY may change before CD is opened and funded.

first.bank
2Standard 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%
ModelUnit PricingBilling cadencePay-as-you-go
Notes

Standard CDs and IRA CDs may be opened in-branch only; $1,000 minimum balance required; early withdrawal penalty may apply.

first.bank
3Icon 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+
ModelOtherBilling cadenceMonthly
Notes

Variable-rate; APY may change any time after opening; $100 minimum to open most savings ($5 Kids Cash Savings); Kids Cash, HSA, and Thrive Credit Savings in-branch only.

first.bank
4Icon 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%
ModelOtherBilling cadenceMonthly
Notes

Variable-rate; APY may change after opening; $25 minimum for Imagine Checking, $100 minimum for Icon Checking.

first.bank
5Monthly 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)
ModelSubscriptionBilling cadenceMonthly
Notes

Eligibility for fee waivers based on direct deposit activity and combined deposit/loan balances.

first.bank
6Bill 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)
ModelFreemiumBilling cadenceMonthly
Notes

Quick Pay payments may be subject to an additional fee; some service features vary by Business eBanking package (Single/Flexible/Premier).

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7Business eBanking packages: Single (1 user, 3 included accounts, BeB inactivity fee applies), Flexible (multiple users, 6 included accounts), Premier (multiple users, 10 included accounts)
ModelSubscriptionBilling cadenceMonthly
Notes

Unlimited maximum accounts in all packages; treasury management services (ACH, Positive Pay, RDC, Sweep, Lockbox) available as add-ons; Mobile Deposit, Autobooks, Loan Information/Payments, Cash Vault & Smart Safes, Transmissions available upon request.

first.bank
8First 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
ModelOtherBilling cadenceMonthly
Notes

Qualifying Account vs Non-Qualifying Account tiers; variable-rate; $100 minimum to open.

first.bank
GTM typeB2B and B2C
B2B and B2C
Offering typeServices
Services
Brand1 of 3 records shown
1First Bank Wealth Management
Description

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
+2 more records
Core offering1 text field

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
Functional benefit
Problem solved
Quantifiable outcome1 of 7 values shown
  • 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 records
Product and service43 records
1Imagine Checking
CategoryPersonal Checking Account
Description

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.

2Inspire Checking
CategoryPersonal Checking Account
Description

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.

3Icon Checking
CategoryPersonal Checking Account
Description

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.

4Icon High-Yield Savings
CategoryPersonal Savings Account
Description

Personal high-yield savings account paying 2.75% APY (effective 06/23/2026); $100 minimum to open.

5Statement Savings
CategoryPersonal Savings Account
Description

Personal savings account paying 0.01% APY (effective 06/23/2026); $100 minimum to open.

6Kids Cash Savings
CategoryPersonal Savings Account (Minor)
Description

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.

7Performance Money Market
CategoryPersonal Money Market Account
Description

Tiered money market account with APYs from 0.01% to 0.02% depending on balance tier (effective 06/23/2026).

8Certificates of Deposit (CDs / IRAs)
CategoryPersonal Time Deposit
Description

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.

9Coverdell Education Savings / 529 College Savings Plans
CategoryEducation Savings
Description

Personal education savings vehicles: Coverdell Education Savings Account and 529 College Savings Plans.

10Personal Mortgage Loans
CategoryPersonal Mortgage Loan
Description

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.

11Home Equity Lines of Credit / Home Improvement Loan
CategoryPersonal Home Equity Product
Description

Personal home equity products: Home Equity Lines of Credit and a fixed Home Improvement Loan, with employees receiving waived standard closing costs.

12Personal Mastercard Credit Cards
CategoryPersonal Credit Card
Description

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).

13First Bank Debit Mastercard (Flex and Onyx tiers)
CategoryPersonal Debit Card
Description

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.

14Auto Loans / Personal Loans
CategoryPersonal Loan
Description

Personal-purpose loans: Auto Loans (Motor Vehicle Loans) and unsecured Personal Loans, under the Personal/Borrow product line.

15Business First Checking Account
CategoryBusiness Checking Account
Description

Business checking account offering the first 250 items per month free and access to various digital banking solutions.

16Business Interest Checking Account
CategoryBusiness Checking Account (Interest-Bearing)
Description

Interest-bearing business checking account with access to First Bank's financial expertise.

17Commercial Checking Account
CategoryCommercial Checking Account
Description

Commercial checking account for higher-volume or larger businesses offering across-the-board value.

18Small Business Checking Account
CategorySmall Business Checking Account
Description

Small business checking with low fees and free eBanking.

19Professionals Checking (Professionals Program)
CategoryProfessional Banking Account
Description

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.

20Business Savings / Business Money Market / Business CDs
CategoryBusiness Deposit Accounts
Description

Business deposit suite: Business Savings Account, Business Money Market Account (Premier Business Money Market), and Business Certificates of Deposit for reserves and growth.

21Business Mastercard Credit Cards
CategoryBusiness Credit Card
Description

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).

22Commercial Mastercard Credit Cards
CategoryCommercial Credit Card
Description

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.

23First Bank Titanium Debit Mastercard BusinessCard
CategoryBusiness Debit Card
Description

Business debit Mastercard BusinessCard with card controls via SecurLOCK Equip mobile app, designed for fast, secure purchases and online payments.

24Simple Business Loans / Term Loans
CategoryBusiness Loan
Description

Business loan products: Simple Business Loans (flexible size and terms) and Term Loans (working capital to major purchases) under the Business/Borrow product line.

25Business Lines of Credit
CategoryBusiness Line of Credit
Description

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.

26Business Letters of Credit
CategoryBusiness Trade Finance Instrument
Description

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.

27SBA Loans (504 / 7(a))
CategorySmall Business Administration Loan
Description

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.

28Commercial and Specialty Lending
CategoryCommercial Loan
Description

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).

29Healthcare Lending
CategorySpecialty Industry Lending
Description

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).

30Nonprofit Banking
CategoryNonprofit Banking Package
Description

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.

31Business eBanking Platform
CategoryDigital Banking Platform (Business)
Description

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.

32First Bank On The Go Mobile App
CategoryMobile Banking Application
Description

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.

33First Bank Biz To Go Mobile App
CategoryMobile Banking Application (Business)
Description

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.

34Personal eBanking (Web Platform)
CategoryDigital Banking Platform (Consumer)
Description

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.

35Accounts Receivable Services
CategoryTreasury Management / Receivables
Description

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).

36Fraud Prevention Services (Positive Pay)
CategoryTreasury Management / Fraud Prevention
Description

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).

37Liquidity Management Services
CategoryTreasury Management / Cash Management
Description

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).

38Wire Services
CategoryPayment Service
Description

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.

39Paychex Payroll Solutions
CategoryPayroll / HR Services
Description

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.

40Wealth Management
CategoryWealth Management Service
Description

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).

41Center for Family-Owned Businesses
CategoryBusiness Advisory Resource Center
Description

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.

42Financial Calculators
CategoryFinancial Planning Tool
Description

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).

43Automated Telephone Banking
CategoryBanking Self-Service Channel
Description

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.

Scale indicator8 records

Each record includes

Type, Value, Description, Source

Partnership14 partners
Strategic tierCoreTypeStrategic or Co-development Partner
Description

Mastercard 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.

Strategic tierCoreTypeGTM or Marketing Partner
Description

First 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.

Strategic tierCoreTypeOEM/ Whitelabel/ Licensing Partner
Description

OSAIC 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.

Strategic tierCoreTypeChannel Partner/ Reseller/ Distributor
Description

First 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.

Strategic tierCoreTypeTechnology or Integration
Description

Worldpay 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.

Strategic tierCoreTypeTechnology or Integration
Description

FIS powers First Bank's lockbox services (NetImageRemit), remote deposit for business eBanking (DirectLink), and eStatement (WebCD) platforms under the entity code 800815.

Strategic tierMinorTypeGTM or Marketing Partner
Description

Resource 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.

Strategic tierMinorTypeGTM or Marketing Partner
Description

Resource partner for the Center for Family-Owned Businesses; guides brands through leveraging customer insights.

Strategic tierMinorTypeStrategic or Co-development Partner
Description

Academic research partner at Washington University in St. Louis Olin Business School, focused on family enterprise research and resources.

Strategic tierMinorTypeGTM or Marketing Partner
Description

30+ 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.

Strategic tierMinorTypeGTM or Marketing Partner
Description

501(c)(3) organization with mission to help family businesses in the greater Sacramento region grow and prosper; featured as a resource partner.

Strategic tierMinorTypeGTM or Marketing Partner
Description

Coaching and consulting resource partner for family business owners to gain clarity and focus on exponential growth.

Strategic tierMinorTypeGTM or Marketing Partner
Description

First Bank Debit Mastercard holders receive 15% savings on Airport Meet and Greet services through this Mastercard benefit partner.

Strategic tierMinorTypeOthers
Description

First Bank donation drive raised $38,685 to support Harry Chapin Food Bank in December 2025.

Recent move6 records

Each record includes

Date, Type, Title, Description, Source

Expansion highlight6 records

Each record includes

Type, Description

Peers10 records
TypeDirect peer
Description

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.

TypeDirect peer
Description

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.

TypeDirect peer
Description

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.

TypeDirect peer
Description

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.

TypeBroad incumbent
Description

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.

TypeBroad incumbent
Description

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.

TypeBroad incumbent
Description

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.

TypeDirect peer
Description

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.

TypeRegional player
Description

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.

TypeDirect peer
Description

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.

Market position
Strengths4 records

Each record includes

Headline, Details, Source

Weaknesses4 records

Each record includes

Headline, Details, Source

Competitive moat6 records

Each record includes

Type, Details

Key risks6 records

Each record includes

Headline, Details, Source

Key highlights6 records

Each record includes

Headline, Details, Source

Customer concentration

Classification, Details

Named customers5 records

Each record includes

Name, Industry, Type, Use case, Source, UUID

Segment7 records

Each record includes

Title, Type, Primary, Description, Pain point addressed, Use case, Source

Ideal customer profile7 records

Each record includes

Profile, Firmographic size, Sales motion, Sales cycle length, Buying structure, Purchase trigger, Buyer persona, Geography, Industry vertical, Primary use case, Description, Pain points, Evidence proof points, Target buyer

Technology focused
No
API detail
Has APIbool
No

Docs URL, Description

Integration13 records

Each record includes

Title, Type, Description, Source

AI maturity
App detail

Has app

Feature7 records

Each record includes

Title, Differentiator, Description, Source

Core technology
Revenue estimate
Valuation estimate
Number of profiles
Profiles2 records

Each record includes

Name, Designation, Designation category, Overview, Profile commentary, Source

Subsidiaries1 record

Each record includes

Name, Acquired on, Relationship type, Type, Business focus

Compliance12 records

Each record includes

Name, Class, Description

Funding overview

Funding stage, Last funding date, Total funding USD

Funding rounds2 records

Each record includes

Round, Amount USD, Date, Pre money valuation, Total investors, Investors, News

Investors1 record

Each record includes

Name, Type, Date of entry, Rounds participated, Website

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Each record includes

Name, Acquisition type, Announced date, Completed date, Status, Website, News

Investment

Each record includes

Name, Round, Announced date, Lead investor, Website, News

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

First Bank

Retail and Commercial Bankingfirst.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.

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

  • Retail banking services
  • Commercial lending
  • Treasury management
  • Wealth management
  • Small business banking

Where First Bank is headquartered

Location

Headquarters

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

  1. 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).
  2. 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.
  3. 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.
  4. 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).
  5. 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.
  6. 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.
  7. 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.
  8. 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

ModelBillingPrice
Unit PricingPay-as-you-goPromotional 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 PricingPay-as-you-goStandard 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%
OtherMonthlyIcon 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+
OtherMonthlyIcon 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%
SubscriptionMonthlyMonthly 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)
FreemiumMonthlyBill 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)
SubscriptionMonthlyBusiness eBanking packages: Single (1 user, 3 included accounts, BeB inactivity fee applies), Flexible (multiple users, 6 included accounts), Premier (multiple users, 10 included accounts)
OtherMonthlyFirst 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 offering

Core 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 profile

Named customers5 records

Segments7 records

Ideal customer profiles7 records

First Bank technology and API

Technology

Technology 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 signal

Partnerships

14 partnerships are on record, tiered core and minor.

  • MastercardcoreStrategic or Co-development PartnerMastercard 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.
  • PaychexcoreGTM or Marketing PartnerFirst 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.coreOEM/ Whitelabel/ Licensing PartnerOSAIC 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 NetworkcoreChannel Partner/ Reseller/ DistributorFirst 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.
  • WorldpaycoreTechnology or IntegrationWorldpay 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)coreTechnology or IntegrationFIS powers First Bank's lockbox services (NetImageRemit), remote deposit for business eBanking (DirectLink), and eStatement (WebCD) platforms under the entity code 800815.
  • CMA GlobalminorGTM or Marketing PartnerResource 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 CorporationminorGTM or Marketing PartnerResource partner for the Center for Family-Owned Businesses; guides brands through leveraging customer insights.
  • Washington University Koch Center for Family BusinessminorStrategic or Co-development PartnerAcademic research partner at Washington University in St. Louis Olin Business School, focused on family enterprise research and resources.
  • Family Firm Institute (FFI)minorGTM or Marketing Partner30+ 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 CenterminorGTM or Marketing Partner501(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)minorGTM or Marketing PartnerCoaching and consulting resource partner for family business owners to gain clarity and focus on exponential growth.
  • Mastercard Airport ConciergeminorGTM or Marketing PartnerFirst Bank Debit Mastercard holders receive 15% savings on Airport Meet and Greet services through this Mastercard benefit partner.
  • Harry Chapin Food BankminorOthersFirst 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 assessment

Direct 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 presence

First Bank compliance and trust

Trust signal

Compliance12 records

First Bank financial estimates

Financial estimate

Revenue estimate

Valuation estimate

First Bank leadership team

Management profile

Number of profiles

Profiles2 records

First Bank subsidiaries and ownership

Company hierarchy

Subsidiaries1 record

First Bank funding detail

Funding detail

Funding 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 investment

M&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.

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Investing.comFirst Bank Q2 2026 slides: strong profitability amid revenue headwinds By Investing.comFirst Bank released its Q2 2026 earnings presentation on July 23, 2026, reporting net income of $10.9 million ($0.43 per diluted share) that matched Wall Street expectations, though revenue of $36.9 million came in slightly below the $37.35 million forecast. The New Jersey-based regional bank reported total assets of $4.09 billion, a 1.09% return on average assets, and maintained its efficiency ratio at 54.52% for the 28th consecutive quarter below 60%, while achieving a 19% compound annual growth rate in total assets since 2013. Management provided cautiously optimistic guidance for the remainder of 2026, expecting to meet or exceed loan and deposit growth targets of $200 million each.UPSTATE BUSINESS JOURNALNew mini-golf venue to open in Mauldin in 2027PAR Greenville, a mini-golf and social venue, will open in Mauldin in early 2027. The project includes two 18-hole courses, golf simulators, a 12,000-square-foot restaurant and bar, and an outdoor courtyard. Groundbreaking is expected in June.Vanguard NewsFirst Bank named Nigeria’s strongest brand in 2026 by Brand FinanceFirst Bank was named Nigeria's strongest brand in the 2026 Brand Finance ranking, receiving an AAA+ rating. The recognition follows Fitch's upgrade of its long-term rating to A+(nga) and GCR's affirmation of A+(NG). The bank cited its customer-centric approach and 132-year heritage.YahooFirst Bank Q1 Earnings Call HighlightsFirst Bank reported Q1 2026 earnings that missed expectations with net income of $7.6 million ($0.30/share) and a net interest margin of 3.69%, driven down by elevated credit costs tied to its credit-scored small business lending portfolio and unusually high loan payoff activity. Net charge-offs rose to $5.0 million in the small business book, which management says is now under $100 million and carries a 1.39% loan loss allowance. Despite headwinds, the bank reported a $383 million loan pipeline (up 15%), reiterated its $200 million 2026 loan-growth target, and maintained a $20 million buyback program.Talk Business & PoliticsFirst Bank Corp completes buyout of First State BankFirst Bank Corp completed its acquisition of First State Bank, a move announced in January, resulting in a combined bank holding more than $3.5 billion in assets. The transaction involved two privately-held companies, with First Bank Corp having multiple bank subsidiaries and a broad regional presence. Financial details were not disclosed, but the deal aims to support continued growth and community service.MorningstarFIRST BANK APPOINTS WILL AIKEN TO LEAD SPECIALTY BUSINESSESFirst Bank (NASDAQ: FBNC) has appointed Will Aiken as Managing Director, Specialty Businesses, a role overseeing CarBucks, SBA, Bankcard, Syndications, and Asset Based Lending. Aiken brings more than 20 years of banking experience, most recently serving as Chief Risk Officer at Southern First Bank. The appointment reflects First Bank's strategy to expand its specialty businesses as part of its growth objectives.EIN PresswireExceptional Children’s Foundation and First Bank Launch 'Future in Bloom' Volunteer Day in InglewoodExceptional Children's Foundation (ECF) and First Bank partnered on March 26 for "Future in Bloom," a volunteer day in Inglewood where First Bank employees worked alongside ECF program participants to build, paint, and plant garden boxes supporting vocational training for adults with developmental disabilities. The seasonal vegetables grown will be used in ECF's culinary program, creating a full-circle model connecting gardening, food preparation, and job readiness. The collaboration highlights how local businesses and nonprofits can work together to create sustainable career pathways and strengthen workforce inclusion in Los Angeles County.Southwest Times RecordFirst Bank Corp. to merge with Russellville-based First State BankFirst Bank Corp. announced a merger with Russellville-based First State Bank, expanding its footprint across the Arkansas River Valley while allowing First State Bank to continue its local operations and leadership.Investing.comFirst Bank earnings matched, revenue topped estimates By Investing.comFirst Bank reported earnings that matched estimates and revenue that exceeded expectations. The article mentions that five of the 'Mag 7' companies will report earnings this week.Talk Business & PoliticsUAFS announces community business, leadership awardsThe University of Arkansas at Fort Smith (UAFS) Center for Economic Development held its Excellence in Family and Small Business Awards ceremony on Oct. 30, 2025, at the Bakery District in downtown Fort Smith, recognizing individuals and businesses from an eight-county region in Arkansas and Oklahoma. Fred Williams received the inaugural Jim Walcott Family Enterprise Center Distinguished Service and Commitment Award for his 21 years of work with the center and 46-year career in advertising and public relations before retiring from Williams/Crawford & Associates in 2022. Additional awards included the Legacy Champion Award presented by Hanna Oil & Gas to Sam T. Sicard of First Bank Corp., along with category awards for technology, early success, small business, and family business recognition.