FCNB BANK

STEELVILLE, MO | Small | Est. Jan. 1, 1906, midnight | FDIC #1639 | RSSD #619859 | FED
Latest Report: 2025-12-31

FCNB BANK is asn small FDIC-insured commercial bank headquartered in STEELVILLE, MO, established in Jan. 1, 1906, midnight. As of 2025-12-31, the bank reported total assets of $208M and total deposits of $185M. Profitability stands at 0.43% ROA and 8.94% ROE, with a net interest margin of 3.55%. The bank's CET1 capital ratio is 10.38%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.41%. FDIC Certificate #1639.

Assets

$208M

Deposits

$185M

Loans

$130M

Equity

$11M

Profitability

Return on Assets (ROA) 0.43%
Return on Equity (ROE) 8.94%
Net Interest Margin (NIM) 3.55%
Yield on Assets 5.51%
Cost of Funds 1.90%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.41%
NPA Ratio 0.02%
ACL / Loans 1.00%

Capital & Liquidity

CET1 Ratio 10.38%
Tier 1 Capital 10.38%
Total Capital Ratio 11.19%
Leverage Ratio 8.08%
Loan-to-Deposit 70.20%

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