FCB BANKS
FCB BANKS is an FDIC-insured commercial bank headquartered in COLLINSVILLE, IL, established in 1990. As of , the bank reported total assets of $2.6B and total deposits of $2.2B. Profitability stands at 1.71% ROA and 21.30% ROE, with a net interest margin of 3.31%. CET1 capital ratio: 12.25%, well above regulatory minimums. NPL ratio: 0.40% · Texas Ratio: 3.51%. Operates 20 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run.
Fcb Banks rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 12.25% | 1.71% | 0.40% | 3.51% | 3.31% |
| 2025-09-30 | 12.36% | 1.75% | 0.33% | 2.83% | 3.20% |
| 2025-06-30 | 12.17% | 1.55% | 0.34% | 3.03% | 3.00% |
| 2025-03-31 | 12.21% | 1.43% | 0.38% | 3.51% | 2.77% |
| 2024-12-31 | 11.81% | 1.28% | 0.42% | 3.76% | 2.75% |
| 2024-09-30 | 11.99% | 1.27% | 0.40% | 3.66% | 2.70% |
| 2024-06-30 | 12.05% | 1.07% | 0.40% | 3.80% | 2.55% |
| 2024-03-31 | 12.07% | 0.95% | 0.40% | 3.89% | 2.43% |
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Frequently asked about FCB BANKS
What are Fcb Banks's total assets?
As of the Q4 2025 filing, Fcb Banks reported total assets of $2.60 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Fcb Banks headquartered?
Fcb Banks is headquartered in COLLINSVILLE, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Fcb Banks founded?
Fcb Banks was established in 1990, per the FDIC institution directory.
Is Fcb Banks FDIC-insured?
Yes. Fcb Banks is an FDIC-insured commercial bank (FDIC Certificate #33005). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Fcb Banks?
Fcb Banks's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Fcb Banks's CET1 capital ratio?
Fcb Banks reported a Common Equity Tier 1 (CET1) capital ratio of 12.25% in its most recent quarterly filing — above regulatory minimums.
How many branches does Fcb Banks operate?
Fcb Banks operates 20 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Fcb Banks's Texas Ratio?
Fcb Banks's Texas Ratio is 3.51% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.