Fcnb Bank
Steelville, Missouri · FDIC Cert #1639
Fcnb Bank is an FDIC-insured bank (Certificate #1639) with $196M in total assets and $167M in total deposits as of the Q2 2024 Call Report. Headquartered in Steelville, Missouri, the bank maintains a Tier 1 capital ratio of 9.35% (Well-Capitalized) and a nonperforming loan ratio of 0.05%. BankHealthData assigns a composite Health Grade of B (77/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Fcnb Bank (FDIC cert 1639) is a community bank — $196M in total assets, $167M in deposits, serving the Steelville, Missouri area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 9.35% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is clean: non-performing loan ratio of 0.05% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is comfortable: 33.4% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is thin: ROA of 0.22% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Fcnb Bank carries a composite BankHealth grade of B (77/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Fcnb Bank
- Total Assets
- $196M
- Total Deposits
- $167M
- Tier 1 Capital Ratio
- 9.35%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.05%
- Liquidity Ratio
- 33.37%
- Return on Assets
- 0.22%
- Headquarters
- Steelville, Missouri
- FDIC Certificate
- #1639
- Health Grade
- B (77/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Fcnb Bank holds a Tier 1 capital ratio of 9.35%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Fcnb Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Fcnb Bank shows strong financial health indicators. With $196M in assets and a Health Score of 77/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Fcnb Bank Compares
Fcnb Bank’s Health Score of 77 is 10 points above the Missouri state average of 67 across 193 FDIC-insured banks. Its 9.35% Tier 1 capital ratio is 4.6 points below the US banking industry average near 14%. The 0.05% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.22% is below the national ROA benchmark of ~1.1%. Among 1523 similarly-sized banks, the average Health Score is 69, meaning this bank ranks above its size cohort. Site-wide, Fcnb Bank is 7 points above the portfolio average of 70.
Frequently Asked Questions
Fcnb Bank has a Bank Health Score of B (77/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 9.35%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Fcnb Bank's Tier 1 capital ratio of 9.35% and nonperforming loan ratio of 0.05% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Fcnb Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #1639). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Fcnb Bank holds $196M in total assets and $167M in total deposits. It is headquartered in Steelville, Missouri (FDIC Certificate #1639).
Fcnb Bank has a Tier 1 capital ratio of 9.35%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.05%, and the return on assets is 0.22%.
Yes. Fcnb Bank is FDIC-insured (Certificate #1639). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Fcnb Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.