F & C BANK

HOLDEN, MO | Small | Est. March 24, 1881, midnight | FDIC #9378 | RSSD #14155 | FDIC
Latest Report: 2025-12-31

F & C BANK is asn small FDIC-insured commercial bank headquartered in HOLDEN, MO, established in March 24, 1881, midnight. As of 2025-12-31, the bank reported total assets of $467M and total deposits of $408M. Profitability stands at 2.46% ROA and 23.28% ROE, with a net interest margin of 5.64%. The bank's CET1 capital ratio is 10.36%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.22% and a Texas Ratio of 1.69%. FDIC Certificate #9378.

Assets

$467M

Deposits

$408M

Loans

$407M

Equity

$48M

Profitability

Return on Assets (ROA) 2.46%
Return on Equity (ROE) 23.28%
Net Interest Margin (NIM) 5.64%
Yield on Assets 7.63%
Cost of Funds 2.06%

Asset Quality

NPL Ratio 0.22%
Net Charge-Off Ratio 0.00%
Texas Ratio 1.69%
NPA Ratio 0.19%
ACL / Loans 1.24%

Capital & Liquidity

CET1 Ratio 10.36%
Tier 1 Capital 10.36%
Total Capital Ratio 10.88%
Leverage Ratio 10.80%
Loan-to-Deposit 99.78%

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