First Bank
First Bank is a fourth-generation, family-owned regional bank headquartered in Creve Coeur, Missouri, serving consumers, family-owned businesses, healthcare providers, and nonprofit organizations across Missouri, Illinois, California, and Kansas with personal banking, commercial lending, mortgage, treasury management, and wealth management services.
- Company typePrivate
- Founded1906
- HeadquartersSt Louis, United States
- Headcount1,001–5,000
- GTM typeB2B and B2C
- OfferingServices
What First Bank does
First Bank is a privately held, fourth-generation family-owned regional bank headquartered in Creve Coeur, Missouri, with operational presence across Missouri, Illinois, California, and Kansas, led by Chairman Mike Dierberg and President & CEO Mikel Williamson. The company operates a full-service community banking franchise spanning personal banking (checking, savings, CDs, IRAs, mortgages, personal and auto loans), business banking (checking, treasury management, SBA lending, commercial real estate, specialty lending), and wealth management (brokerage, trust, retirement and estate planning), with the Center for Family-Owned Businesses serving as a distinct differentiator for multi-generational family enterprises.
Its technology architecture is a traditional core banking platform augmented by digital channels including the eBanking online platform (with Single, Flexible, and Premier tiers for businesses), the First Bank On The Go mobile application for iOS and Android, and an integrated ecosystem of third-party partnerships (Paychex for payroll, Worldpay for merchant services, IntraFi for sweep and FDIC pass-through deposit insurance, Autobooks for receivables, Quicken/QuickBooks for accounting, SecurLOCK Equip for card controls, and OSAIC Institutions for brokerage). The bank also offers specialized lending verticals for healthcare providers and nonprofit organizations, plus newer capital-markets-adjacent products including Sponsor Finance and Mortgage Warehouse Lending.
First Bank's revenue model is a traditional bank net interest income model, earning the spread on loans (commercial, residential mortgage, business, personal) net of deposit interest costs, supplemented by non-interest income from deposit fees, wire transfers, credit cards, ATM surcharges, and treasury management services, with wealth management fees generated through the OSAIC Institutions partnership. Distribution is hybrid: a multi-state physical branch network combined with self-serve digital channels (online account opening at open.first.bank, eBanking, mobile app) and the Allpoint surcharge-free ATM network of 55,000+ locations. Customer acquisition emphasizes community involvement (2,636 employee volunteer hours in 2025), content marketing through the Financial Education Center, and dedicated relationship managers for family-owned businesses, healthcare, nonprofit, and professional services clients.
First Bank firmographics
Firmographics- Name
- First Bank
- Legal name
- First Bank
- Website
- https://first.bank
- Company type
- Private
- Founded year
- 1906
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- First Bank is a fourth-generation, family-owned regional bank headquartered in Creve Coeur, Missouri, serving consumers, family-owned businesses, healthcare providers, and nonprofit organizations across Missouri, Illinois, California, and Kansas with personal banking, commercial lending, mortgage, treasury management, and wealth management services.
- Ownership category
- akta.pro rank
First Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211), Depository Credit Intermediation (5221)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)
- akta.pro secondary industries
- Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI), Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
Keywords
Where First Bank is headquartered
LocationHeadquarters
- HQ city
- St Louis
- HQ country
- United States
- HQ region
- North America
Offices7 records
Markets served
First Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Supply Chain
Revenue model
- Net Interest Income: Interest earned on loans (commercial, residential mortgages, business loans, personal loans) minus interest paid on deposits. Core revenue driver for the bank.
- Non-Interest Income: Fees from deposit accounts, wire transfers, credit cards, ATM fees, and treasury management services
- Wealth Management: Investment management, brokerage services, and trust services through partnership with OSAIC Institutions
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Icon Checking - Premium interest checking with 2.60% APY on balances up to $100,000 |
| Subscription | Monthly | Imagine Checking - Entry-level interest checking with 2.60% APY on balances up to $1,000 |
| Subscription | Annual | Promotional 13-Month CD - High-yield certificate of deposit at 4.05% APY |
| Subscription | Monthly | Icon High-Yield Savings - High-yield savings at 2.75% APY |
| Subscription | Monthly | Kids Cash Savings - Youth savings with 4.00% APY on balances up to $500 |
| Subscription | Monthly | Performance Money Market - Tiered money market account |
| Subscription | Monthly | Business Checking Accounts - Various tiers from Small Business to Commercial |
Go-to-market motion2 records
Distribution channels6 records
Marketing channels8 records
First Bank product offering
Product offeringCore offering
First Bank is a fourth-generation, family-owned community bank that provides deposit products (checking, savings, CDs, IRAs), consumer and mortgage lending, business and commercial banking (including SBA loans, commercial real estate, healthcare and nonprofit specialty lending, treasury management), and wealth management and trust services. It serves individual consumers, family-owned businesses, healthcare providers, nonprofit organizations, and commercial clients across Missouri, Illinois, California, and Kansas through a network of branches and digital banking channels (eBanking, First Bank On The Go mobile app).
Product overview
First Bank is a fourth-generation family-owned regional bank offering a comprehensive, multi-channel banking platform with distinct personal banking, business banking, and wealth management divisions. The core product portfolio includes the eBanking online platform and First Bank On The Go mobile app as the primary digital access channels, supplemented by Business eBanking (Single, Flexible, and Premier tiers) for commercial clients. Personal banking features three checking tiers (Imagine Checking, Inspire Checking, Icon Checking) with differentiated APY rates and benefits, multiple savings products including Icon High-Yield Savings and Kids Cash Savings, and diverse lending including mortgages (FHA, VA, jumbo, construction), home equity products, and personal loans. Business banking encompasses checking accounts (Business First, Commercial, Interest Checking), SBA loans (504 and 7(a)), commercial real estate and specialty lending (healthcare, nonprofit, warehouse), treasury management services (ACH Positive Pay, Check Positive Pay, Sweep Services), and merchant services via Worldpay partnership. Wealth management includes retirement planning, estate and legacy planning, tax planning, investment management, trust services, and specialized services for family-owned businesses through the Center for Family-Owned Businesses. The product architecture is modular, allowing clients to combine checking, savings, lending, and wealth services across personal and business needs.
Differentiator
Problem solved
Functional benefit
Brands
- First Bank On The Go: Mobile banking application for iOS and Android devices enabling account access, mobile deposits, bill pay, and fund transfers.
- Center for Family-Owned Businesses
- Family Business Check-Up
Products and services
- First Bank On The Go Mobile App Mobile banking application for iPhone and Android smartphones that enables account access, mobile deposits, bill payment, fund transfers, and debit card management for First Bank customers.
- eBanking Online Banking Platform Online banking platform for personal and business accounts offering account management, bill pay, transfers, and statement access.
- Business eBanking Platform Comprehensive online business banking platform offered in Single, Flexible, and Premier package tiers with reporting, wire services, ACH origination, positive pay, Autobooks electronic invoicing, and SecurLOCK Equip debit card controls for business clients.
- Imagine Checking Entry-level personal checking account with $25 minimum opening deposit, variable interest rates up to 2.60% APY, and no overdraft fees; BankOn certified.
- Inspire Checking Personal checking account with $100 minimum opening deposit, First Bank Onyx Debit Mastercard, higher daily limits, and 24/7 money management tools.
- Icon Checking Premium personal checking account with $100 minimum opening deposit, up to 2.60% APY on balances up to $100,000, and First Bank Onyx Debit Mastercard with higher daily limits.
- Business First Checking Account Business checking account with first 250 items free monthly, digital banking solutions integration, and competitive transaction pricing for small businesses.
- Commercial Checking Account Commercial checking account designed for high-volume businesses with comprehensive account features and competitive pricing.
- Business Interest Checking Account Interest-bearing business checking account providing access to financial expertise and competitive rates on balances.
- Small Business Checking Account Low-fee checking account designed for small businesses with free eBanking included.
- Icon High-Yield Savings High-yield personal savings account with 2.75% APY and $100 minimum opening deposit.
- Performance Money Market Money market account with tiered interest rates based on balance levels (rates range from 0.01% to 0.02% APY depending on balance tier).
- Kids Cash Savings Youth savings account with 4.00% APY on balances up to $500 and 0.01% APY on balances $500.01+.
- Business Savings Account Business savings account for companies to safeguard funds for future use.
- Premier Business Money Market Account Business money market account providing high-quality returns and instant fund access.
- Business Certificates of Deposit Business certificates of deposit for utilizing reserves over various terms to build savings steadily.
- SBA 504 Loans SBA loans with low down-payment requirements for land and equipment purchases, available to small businesses.
- SBA 7(a) Loans SBA loans for entrepreneurs and existing businesses for real estate, furniture, or equipment financing.
- Simple Business Loans Business loans with flexible repayment terms and competitive rates for equipment and vehicle purchases.
- Term Loans Tailored term loans for working capital and major purchase funding with various term options for businesses.
- Working Capital Lines of Credit Business lines of credit addressing liquidity challenges and maintaining business operations for commercial clients.
- Business First Lines of Credit Business credit line up to $250,000 providing liquid cash access for companies.
- Business Letters of Credit International trade documents including export, import, transferable letters, bankers acceptances, standby letters, and documentary collections for businesses engaged in trade.
- Commercial Real Estate Loans Commercial property loans tailored for property owners, developers, and investors.
- Mortgage Warehouse Lending Customized warehouse lines of credit for independent mortgage bankers' lending and liquidity goals.
- Sponsor Finance Senior secured, cash flow-based financing for private equity-owned businesses.
Quantifiable outcome
- 4.05% APY available on promotional 13-month CD
- +2 more outcomes
Companies that use First Bank
Customer profileNamed customers5 records
Segments5 records
Ideal customer profiles3 records
First Bank technology and API
TechnologyAPI detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
Feature3 records
First Bank partnerships and signals
Strategic signalPartnerships
Eleven partnerships are on record, tiered core and minor.
- Exceptional Children's Foundation (ECF)corePartnership for 'Future in Bloom' volunteer day where First Bank employees worked alongside ECF program participants to build, paint, and plant garden boxes supporting vocational training for adults with developmental disabilities. Seasonal vegetables will be used in ECF's culinary program, creating a full-circle model connecting gardening, food preparation, and job readiness.
- PaychexcorePayroll services partnership offering comprehensive payroll administration, federal and state tax filing, health insurance administration, retirement plan administration, and unemployment claims services to business banking clients.
- WorldpaycoreMerchant services partnership providing card payment processing, point-of-sale solutions, mobile payment acceptance, and eCommerce capabilities to business clients.
- Urban LeagueminorCommunity partnership with Urban League of Metropolitan St. Louis. First Bank executives attended the Urban League groundbreaking ceremony.
- CMA GlobalminorFamily business resource partner offering talent hiring, leadership development, and team collaboration services.
- MackenzieminorFamily business resource partner specializing in customer insights and brand leverage.
- Washington University Koch Center for Family BusinessminorAcademic partnership focusing on family enterprise research and education across four key areas within the family enterprise.
- Family Firm Institute (FFI)minorInternational professional association dedicated to family enterprise education, connections, and inspiration.
- Capital Region Family Business CenterminorNonprofit 501(c)(3) organization helping family businesses in the greater Sacramento region grow and prosper.
- Blueprint for Entrepreneurial GrowthminorResource partner helping entrepreneurs gain clarity and focus on business growth.
- OSAIC InstitutionscoreInvestment and insurance products partner offering brokerage services, investment advisory, and insurance through Osaic Institutions (Member FINRA/SIPC).
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
First Bank competitors and assessment
Company assessmentDirect peers
- Bell Bank: Employee-owned regional bank based in the upper Midwest with full-service consumer, commercial, mortgage, and wealth offerings. Comparable as a privately-held, culture-driven alternative to corporate banks with similar full product breadth.
- Busey Bank: Illinois-based community bank with consumer, commercial, and wealth management lines serving similar Midwestern markets with comparable relationship-banking emphasis. Comparable in scale, branch model, and product breadth.
- Enterprise Bank & Trust: St. Louis-headquartered, family-influenced commercial bank with strong business-banking and wealth-management focus serving family-owned businesses and middle-market clients in Missouri, Kansas, and surrounding states. Directly comparable peer in footprint and target segment.
- Simmons Bank: Arkansas-based regional bank offering consumer, commercial, mortgage, and wealth services across multiple Midwestern and Southern states. Comparable scale and product breadth, with similar focus on relationship-based commercial banking.
- Bank OZK: Arkansas-headquartered regional bank with national CRE lending franchise plus consumer, mortgage, and treasury services. Comparable in commercial-lending specialization and regional-bank operating model.
- Commerce Bank: Privately-held regional commercial bank headquartered in Kansas City with branches across Missouri, Kansas, Illinois, and Oklahoma, offering consumer, business, and wealth services. Closely comparable to First Bank in geography, product breadth, and private ownership profile.
- S&T Bank: Pennsylvania-based regional commercial bank offering consumer, business, and wealth services with a relationship-banking model similar to First Bank's community-bank approach. Comparable in operating philosophy and product mix.
- Great Southern Bank: Mid-size regional bank headquartered in Missouri with consumer, business, and mortgage lending across the Midwest. Direct geographic overlap and similar community-bank product positioning.
Broad incumbents
- Heartland Financial USA (HTLF): Multi-state community-banking franchise operating across the Midwest, Southwest, and West, including in Missouri and California. Comparable community-bank model and footprint, though at larger consolidated scale and publicly traded.
- UMB Bank: Larger regional bank headquartered in Kansas City with national commercial, consumer, and institutional banking lines including wealth management. Comparable product set and overlapping Midwestern footprint, but at materially larger scale.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
First Bank social profiles
Digital presenceFirst Bank compliance and trust
Trust signalCompliance2 records
First Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
First Bank leadership team
Management profileNumber of profiles
Profiles2 records
First Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
First 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 Bank
What does First Bank do?
First Bank is a fourth-generation, family-owned community bank that provides deposit products (checking, savings, CDs, IRAs), consumer and mortgage lending, business and commercial banking (including SBA loans, commercial real estate, healthcare and nonprofit specialty lending, treasury management), and wealth management and trust services. It serves individual consumers, family-owned businesses, healthcare providers, nonprofit organizations, and commercial clients across Missouri, Illinois, California, and Kansas through a network of branches and digital banking channels (eBanking, First Bank On The Go mobile app).
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 1906. 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?
Three revenue lines are on record. Net Interest Income is the primary driver. The others are non-Interest Income and wealth Management.
Who are First Bank's main competitors?
Direct peers on record are Bell Bank, Busey Bank, Enterprise Bank & Trust, Simmons Bank, Bank OZK, Commerce Bank, S&T Bank and Great Southern Bank. Broad incumbents are Heartland Financial USA (HTLF) and UMB Bank.
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 Community Banking. Its primary akta.pro industry code is FSABABAC, SME Deposits & Business Accounts (Operating, Savings, CDs), with a secondary code of FSABAAAI, Small Business Banking (Microbusiness/Sole Proprietor). Its NAICS code is 52211 and its SIC code is 6022.