Fcn Bank National Assn Safety Rating
Fcn Bank National Assn's safety rating is grade A, a Bank Health Score of 90/100 built from FDIC call report data. That ranks #729 out of 3,960 FDIC-insured banks nationally (top 18%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Fcn Bank National Assn's best component is liquidity (100/100) and its weakest is profitability (38/100).
This page answers a common banking-safety question: Fcn Bank National Assn Safety Rating. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
Fcn Bank National Assn Safety Rating Breakdown
- Overall rating
- Grade A (90/100)
- National rank
- #729 of 3,960
- Tier 1 capital (35%)
- 89/100
- Loan quality (30%)
- 99/100
- Liquidity (25%)
- 100/100
- Profitability (10%)
- 38/100
Source: FDIC Call Report data. The BankHealth safety rating is an editorial composite, not an official regulatory rating.
A grade A rating places Fcn Bank National Assn among the stronger FDIC-insured banks on the composite — strong capital with manageable risk on the other factors. Nationally it ranks in roughly the top 18% of the 3,960 banks we score.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 13.51% | 89/100 |
| Nonperforming Loan Ratio | 0.03% | 99/100 |
| Liquidity Ratio | 32.53% | 100/100 |
| Return on Assets | 0.45% | 38/100 |
| Total Assets | $0.8B | |
How does Fcn Bank National Assn compare?
With a Bank Health Score of 90/100, Fcn Bank National Assn sits 20.0 points above the national average of 70/100 for FDIC-insured banks. Within Indiana, where 73 FDIC-insured banks are headquartered, Fcn Bank National Assn ranks above the state average of 70/100 (Grade B).
The bank's Tier 1 capital ratio of 13.51% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.03% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Fcn Bank National Assn's Bank Health Score held roughly steady at 90/100. Tier 1 capital strengthened by 0.30 percentage points to 13.51%. Quarter-over-quarter, the score rose by 1.0 points.
Frequently Asked Questions
Fcn Bank National Assn's safety rating is grade A, a Bank Health Score of 90/100 built from FDIC call report data. That ranks #729 out of 3,960 FDIC-insured banks nationally (top 18%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Fcn Bank National Assn's best component is liquidity (100/100) and its weakest is profitability (38/100).
The BankHealth safety rating converts four FDIC call report metrics into a single 0-100 score and an A-F grade. It weights Tier 1 capital ratio (35%), the inverted nonperforming-loan ratio (30%), liquidity ratio (25%), and return on assets (10%). For Fcn Bank National Assn: Tier 1 capital scores 89/100, loan quality 99/100, liquidity 100/100, and profitability 38/100 — combining to 90/100 (grade A).
Fcn Bank National Assn's Bank Health Score of 90/100 is 20.0 points above the Indiana state average of 70/100. 73 FDIC-insured banks are headquartered in Indiana.
Yes. Fcn Bank National Assn (FDIC certificate #4319) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about Fcn Bank National Assn
Fcn Bank National Assn's safety rating is grade A, a Bank Health Score of 90/100 built from FDIC call report data. That ranks #729 out of 3,960 FDIC-insured banks nationally (top 18%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Fcn Bank National Assn's best component is liquidity (100/100) and its weakest is profitability (38/100).