First State Bank of St. Charles, Missouri on Your Credit Report
In short: First State Bank of St. Charles, Missouri is a state-chartered commercial bank that is not a member of the Federal Reserve System, headquartered in St. Charles, Missouri. The FDIC lists it under certificate 12219, established May 10, 1867. The nineteenth-century charter date matters here only because a charter this old has usually passed through several generations of core banking systems, and each conversion is a chance for an open date or a status code to be rewritten. Its 06/30/2026 call report shows $535 million in total assets across 9 reported offices. Since the loans are originated and held by First State Bank of St. Charles, Missouri itself, the bank is the furnisher on the tradeline. That gives you two tracks: a §623 dispute to the bank and a §611 dispute through each bureau. Information that is inaccurate, incomplete, or unverifiable can be disputed under the FCRA. Outcomes depend on what the furnisher can verify, and results vary.
Who First State Bank of St. Charles, Missouri actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
First State Bank of St. Charles, Missouri holds FDIC certificate 12219, chartered May 10, 1867 in St. Charles, Missouri (159 years old), and reported $535 million in total assets across 9 offices on the 06/30/2026 call report.
How First State Bank of St. Charles, Missouri appears on your credit report
First State Bank of St. Charles, Missouri furnishes its own tradelines as the original creditor, which matters for how you write. At $535 million in assets, credit reporting is usually handled by a compact back-office group, so a narrow, specific dispute tends to move faster than a broad one. Give the last four digits and the open date, specify the exact inaccurate field, and file with the bureaus at the same time so neither track waits on the other. Whether the tradeline changes depends on what verification turns up; no one can promise you a result.
Names it may report under
Products that commonly show up
- ◆Personal and signature loans originated at its 9 Missouri offices
- ◆First-lien mortgages and home-equity lines on Missouri property
- ◆Overdraft lines and deposit-linked credit tied to First State Bank of St. Charles, Missouri checking accounts
Grounds to dispute a First State Bank of St. Charles, Missouri entry
Each of these is a reason a First State Bank of St. Charles, Missouri tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Missouri home-equity line closed at refinance yet still reporting open with First State Bank of St. Charles, Missouri
- ◆Charge-off reported by First State Bank of St. Charles, Missouri after the account was settled in full
- ◆Duplicate First State Bank of St. Charles, Missouri tradeline created when the account migrated between core systems
- ◆Account balance or credit limit reported incorrectly
- ◆Payment reported late when it was made inside the grace period
- ◆Date of first delinquency re-aged to extend how long it can report
- ◆Account still reporting as open after it was closed, or vice versa
- ◆Duplicate tradeline for the same account after an internal transfer
- ◆Account belongs to someone else with a similar name, or is the result of identity theft
Disputing an original creditor is not the same as disputing a collector
First State Bank of St. Charles, Missouri is an original creditor — the institution whose name was on the account when it was opened. That matters for two reasons. First, the FDCPA, which governs debt collectors, generally does not apply to a creditor collecting its own debt in its own name, so the “debt validation” request that works against a collection agency is not the right tool here. Second, as the furnisher of the tradeline, First State Bank of St. Charles, Missouri has direct obligations under FCRA §623 to investigate a dispute you send it and to correct or delete information it cannot verify as accurate.
Dispute with the bureaus — FCRA §611
File with Equifax, Experian and TransUnion. They must generally investigate within 30 days and tell the furnisher. Free, and you can do it yourself.
Dispute with the furnisher — FCRA §623
Send First State Bank of St. Charles, Missouri a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
First State Bank of St. Charles, Missouri questions, answered
Is First State Bank of St. Charles, Missouri FDIC-insured, and what is its certificate number?
First State Bank of St. Charles, Missouri is FDIC-insured under certificate number 12219. Per the FDIC, the charter dates to May 10, 1867, the head office is in St. Charles, MO, and the 06/30/2026 call report shows $535 million in total assets over 9 FDIC-reported offices. Oversight runs through the FDIC and its state banking regulator.
Who regulates First State Bank of St. Charles, Missouri, and where do I escalate if a dispute fails?
As a state-chartered commercial bank that is not a member of the Federal Reserve System, First State Bank of St. Charles, Missouri answers primarily to the FDIC and its state banking regulator. When a §623 dispute to the bank and a §611 dispute to the bureaus both come back verified and you still hold contrary documentation, the next steps are a CFPB complaint and, if needed, the private right of action FCRA §§616–617 gives you. None of that requires paying anyone.
How many credit-card complaints does the CFPB show against First State Bank of St. Charles, Missouri?
We do not carry a complaint count for First State Bank of St. Charles, Missouri. The CFPB credit-card dataset is keyed to company names that did not resolve unambiguously to this 9-office institution, and publishing a loose match would misattribute another company's record. Absence of a figure here is not a claim that there are no complaints — search consumerfinance.gov directly.
How long can a First State Bank of St. Charles, Missouri charge-off stay on my credit report?
Generally seven years from the date of first delinquency. The common mistake is assuming the clock starts at charge-off — it does not. For First State Bank of St. Charles, Missouri, find the first payment you missed and never made up; that is the anchor. If the reported date is later than that, dispute the date itself rather than the account.
What is the difference between disputing with First State Bank of St. Charles, Missouri and disputing with a collector?
A collector's tradeline is a second, separate entry derived from information passed along at sale or placement. First State Bank of St. Charles, Missouri's tradeline is the original, backed by the bank's own account records. That asymmetry is why a specific factual dispute to First State Bank of St. Charles, Missouri tends to produce a documented answer, while the same dispute to a collector often produces only a verification code.
Does First State Bank of St. Charles, Missouri report to all three credit bureaus?
Nothing in the FCRA compels a bank to furnish to all three, and many institutions of this size do not. Check Equifax, Experian and TransUnion before concluding First State Bank of St. Charles, Missouri has misreported anything. Differences in balance across bureaus usually reflect different update cycles; differences in status, payment history or delinquency date are the ones to challenge.
First State Bank of St. Charles, Missouri was acquired or changed names — why does my report show two accounts?
Mergers and rebrands routinely cause this: a converted First State Bank of St. Charles, Missouri account can appear under both the old and new furnisher name at once. Only one tradeline should survive, and the duplicate needs to be deleted rather than marked closed, since a duplicate still inflates your utilization and account count. Here, a charter this old has usually passed through several generations of core banking systems, and each conversion is a chance for an open date or a status code to be rewritten. Identify both versions by last four digits and open date when you dispute.
Can I dispute First State Bank of St. Charles, Missouri reporting myself, without paying anyone?
You can, free of charge. The FCRA gives you the dispute right personally; it is not something that has to be purchased. Send First State Bank of St. Charles, Missouri a written dispute identifying the inaccurate field, and send the same to the bureaus. What changes depends on the bank's verification, and no honest party will promise you a number.
What should I check first on First State Bank of St. Charles, Missouri reporting?
Three fields decide how long an item lasts and how heavily it weighs: date of first delinquency, account status, and high balance or credit limit. On this charter, a charter this old has usually passed through several generations of core banking systems, and each conversion is a chance for an open date or a status code to be rewritten. Compare each against your own statements before writing, because a dispute that names one provably wrong field resolves far more often than a general request to remove the account.
Other creditors on credit reports
This page is general information about consumer rights, not legal advice, and does not create an attorney-client relationship. Crowned Credit is not affiliated with, endorsed by, or sponsored by First State Bank of St. Charles, Missouri; company names are used only to identify the institution a consumer may see on a credit report. Crowned Credit does not promise any particular outcome; results vary by individual circumstances and by what a furnisher is able to verify. Accurate, verifiable information generally cannot be removed from a credit report. You have the right to dispute inaccurate information yourself, for free, directly with the credit bureaus and with the furnisher.
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