First State Community Bank
First State Community Bank is a $4.5 billion-asset, FDIC-insured Missouri community bank operating 50+ branches, serving individual consumers, small businesses, agricultural clients, and municipal entities with deposit, lending, wealth management, and insurance products through wholly-owned subsidiaries.
- Company typePrivate
- Founded1954
- HeadquartersFarmington, United States
- Headcount501–1,000
- GTM typeB2B and B2C
- OfferingServices
What First State Community Bank does
First State Community Bank (FSCB) is a privately held, state-chartered, FDIC-insured community bank headquartered in Farmington, Missouri, operating continuously since 1954. The bank holds approximately $4.5 billion in total assets and operates 50+ branch locations across Missouri under holding company First State Bancshares, Inc. Its primary lines include consumer and commercial deposit products (checking, savings, money market, CDs, HSAs), consumer and commercial lending (mortgages, home equity, auto, personal, USDA/SBA, commercial term, lines of credit), agricultural lending (young/beginning farmer, farmland, equipment), and municipal and public entity banking.
FSCB distributes a full-service financial offering beyond core banking through two wholly-owned subsidiaries: First State Financial Management (FSFM), a wealth management and investment advisory arm providing retirement planning, estate planning, brokerage, managed accounts, annuities, and employer retirement plans via broker-dealer partner NBC Securities, Inc.; and First State Insurance Agency, which distributes personal and commercial insurance (auto, home, life, Medicare, group health, agriculture, municipal, cyber). Digital banking is delivered through iOS/Android mobile apps and an online portal, with add-on integrations including AutoBooks (accounting sync), Pocket Change (round-up savings), Mastercard Easy Savings, and Mastercard ID Theft Protection. The bank also partners with Greenlight to distribute a free kids debit card product to FSCB checking customers.
The business model is driven primarily by net interest income on a diversified loan portfolio (consumer, commercial, agricultural, municipal), supplemented by non-interest fee income from deposit services, merchant services, insurance commissions, and wealth management advisory fees. Core customers are individual consumers, small businesses, agricultural operators, wealth management households, and municipal/public entities across Missouri, served via a hybrid relationship-based model combining physical branches, digital self-service, phone banking, and in-person wealth and insurance advisory. The bank's most recent material technology move was selecting Mili as its AI advisor platform across all wealth management locations, positioning AI as a productivity layer rather than a core banking function.
First State Community Bank firmographics
Firmographics- Name
- First State Community Bank
- Legal name
- First State Community Bank
- Website
- https://fscb.com
- Company type
- Private
- Founded year
- 1954
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- First State Community Bank is a $4.5 billion-asset, FDIC-insured Missouri community bank operating 50+ branches, serving individual consumers, small businesses, agricultural clients, and municipal entities with deposit, lending, wealth management, and insurance products through wholly-owned subsidiaries.
- Ownership category
- akta.pro rank
First State Community Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211), Commercial Banking (522110), Depository Credit Intermediation (5221), Savings Institutions and Other Depository Credit Intermediation (52218)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
- akta.pro secondary industries
- Savings Banks (Public/State-Owned) (FSABAKAK), Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI)
Keywords
Where First State Community Bank is headquartered
LocationHeadquarters
- HQ city
- Farmington
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
First State Community 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
Revenue model
- Interest Income: Primary revenue from interest earned on loans (mortgages, commercial loans, agricultural loans, auto loans, personal loans) and securities. As a $4.5 billion community bank, interest income from diversified lending portfolios constitutes the core revenue stream.
- Non-Interest Income: Fee income from deposit accounts, digital banking services, merchant services, and other banking fees. Includes income from insurance products through First State Insurance Agency and wealth management services through First State Financial Management.
- Greenlight Partnership Revenue Share: Revenue sharing from Greenlight SELECT subscription program offered to FSCB checking account customers, with the bank receiving compensation for referring customers to the financial literacy platform for kids.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Greenlight SELECT - Free for FSCB customers |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels5 records
First State Community Bank product offering
Product offeringCore offering
First State Community Bank provides personal and business banking products including checking, savings, home and vehicle loans, commercial lending, agricultural loans, and merchant services across 50+ Missouri locations. It also operates two wholly-owned subsidiaries: First State Financial Management (wealth management, retirement planning, investments, estate planning) and First State Insurance Agency (personal and business insurance).
Product overview
First State Community Bank operates as a $4.5 billion Missouri-based community bank with a multi-product, multi-brand portfolio. The core banking platform (FSCB Digital Banking) provides personal and business checking, savings, and loan products across 50+ locations. Two major subsidiaries extend the product suite: First State Financial Management (wealth management, retirement planning, investments, estate planning) and First State Insurance Agency (personal and commercial insurance). Key digital add-ons include Greenlight (kids debit card), Pocket Change (round-up savings), AutoBooks (accounting sync), and Mastercard Easy Savings. The bank recently deployed Mili AI for wealth management advisor workflows, positioning itself as a technology leader among community banks.
Differentiator
Problem solved
Functional benefit
Brands
- First State Financial Management: Wealth management subsidiary offering retirement planning, investments, estate planning, and trust services. Securities and advisory services offered through NBC Securities, Inc., a registered investment advisor and member FINRA/SIPC.
- First State Insurance Agency
Products and services
- FSCB Digital Banking
Quantifiable outcome
- 200+ completed community projects demonstrating local impact
- +2 more outcomes
Companies that use First State Community Bank
Customer profileNamed customers4 records
Segments7 records
Ideal customer profiles6 records
First State Community Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
AI capability2 records
Feature1 record
First State Community Bank partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and minor.
- MilicoreFirst State Financial Management (wealth management subsidiary of FSCB) selected Mili as its AI platform for advisors across more than 50 locations in Missouri. The deployment enables FSFM advisors to run client meetings from start to finish, including preparation from firm records, real-time notes, CRM updates, and follow-ups drafted in each advisor's voice. The partnership is positioned as a model for bringing AI technology to community banks, which have traditionally operated with limited technology resources compared to national firms.
- GreenlightcorePartnership to offer Greenlight SELECT subscription (free debit card and money app for kids) to FSCB checking account customers. The Greenlight platform provides kids with a debit card, money management tools, chores and allowance features, savings goals, and financial literacy games. FSCB customers receive free access to Greenlight SELECT when connecting their FSCB account as the funding source.
- NBC SecuritiescoreRegistered broker-dealer and investment advisor through which First State Financial Management offers securities and advisory services. Member FINRA/SIPC. Securities and advisory services offered through NBC Securities, Inc., a Registered Investment Advisor. FSFM is a subsidiary of First State Community Bank.
- Hammers of HopeminorCommunity service partner for Jeffco team volunteer project building a deck for a family in need.
Scale indicators5 records
Recent moves5 records
Expansion highlights6 records
First State Community Bank competitors and assessment
Company assessmentDirect peers
- Central Bancompany (Central Bank):
- Equity Bancshares: Mid-size community bank holding company operating across the Midwest and surrounding states with similar community banking model and business lending focus. Comparable asset size range and customer segments to FSCB.
- Great Southern Bank: Missouri-based community bank with multi-state branch network focused on retail banking, business banking, and mortgage lending. Closely comparable to FSCB in geography, community bank positioning, and product mix, though larger in asset base.
Broad incumbents
- UMB Financial Corporation: Kansas City-based bank holding company with consumer, commercial, and wealth management operations across multiple states. Comparable banking, lending, and wealth services mix to FSCB but at much larger scale and broader geographic footprint.
Regional players
- Commerce Bank: Missouri-headquartered commercial and retail bank with significant branch presence across the Midwest. Comparable as a similarly anchored Missouri/Midwest community bank serving consumer, business, and wealth segments, though CommerceBank is materially larger and operates in additional states.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key highlights6 records
Customer concentration
First State Community Bank social profiles
Digital presenceFirst State Community Bank compliance and trust
Trust signalCompliance5 records
First State Community Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
First State Community Bank leadership team
Management profileNumber of profiles
Profiles4 records
First State Community Bank subsidiaries and ownership
Company hierarchySubsidiaries2 records
First State Community Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
First State Community Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about First State Community Bank
What does First State Community Bank do?
First State Community Bank provides personal and business banking products including checking, savings, home and vehicle loans, commercial lending, agricultural loans, and merchant services across 50+ Missouri locations. It also operates two wholly-owned subsidiaries: First State Financial Management (wealth management, retirement planning, investments, estate planning) and First State Insurance Agency (personal and business insurance).
Is First State Community Bank a public or private company?
First State Community Bank is a private company. It is classified as unknown and is currently operating.
When was First State Community Bank founded?
First State Community Bank was founded in 1954. It employs 501 to 1,000 people.
Where is First State Community Bank based?
First State Community Bank is headquartered in Farmington, United States, in the North America region.
How does First State Community Bank make money?
Three revenue lines are on record. Interest Income is the primary driver. The others are non-Interest Income and greenlight Partnership Revenue Share.
Who are First State Community Bank's main competitors?
Direct peers on record are Central Bancompany (Central Bank), Equity Bancshares and Great Southern Bank. UMB Financial Corporation is listed as a broad incumbent. Commerce Bank is listed as a regional player.
Does First State Community Bank have an API?
No public API is recorded for First State Community Bank.
What industry is First State Community Bank in?
First State Community Bank's product category is Community Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings), with a secondary code of FSABAKAK, Savings Banks (Public/State-Owned). Its NAICS code is 52211 and its SIC code is 6022.