Triad Bank

First State Bank of St. Charles is an independent, locally owned community bank serving St. Charles County, Mo. The bank operates two branch locations in St. Charles, Mo., as well as branches in O Fallon and Lake Saint Charles, Mo. The bank offers a variety of personal and business banking solutions, such as checking and savings accounts, money market accounts, certificates of deposit and online banking, as well as lending services, including home mortgages and consumer loans. It also offers investment services through Invest Financial Corporation, such as retirement planning, annuities, mutual funds, stocks, estate planning, college funding and life insurance.

Established in 1964, Royal Banks of Missouri is the wholly owned subsidiary of Royal Bancshares. Royal Banks of Missouri offers a range of banking services to individuals and business clients in the St. Louis metropolitan area. Its lending services include the origination, retention and servicing of mortgage and home equity loans and lines of credit, sales and securitization of loans and all associated hedging services. The bank s indirect lending activities include loans to consumers through dealers, Small Business Administration loans, and federal and private student education loans. It also offers depository services, credit and debit cards, check reorders, direct deposit services, gift cards, cash management services, online banking, account reconciliation services, lockers, check imaging, wire transfers and payroll services.