F & C Bank
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Data as of · sourced from FFIEC call reports. How we update
F & C Bank is an FDIC-insured commercial bank headquartered in Holden, MO, established in 1881 (FDIC certificate 9378), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $481.0M, up 11.8% from Q2 2025, the 73rd largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.01% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9378
- Headquarters
- Holden, MO
- Established
- 1881
- Total assets, Q2 2026
- $481.0M
- Assets vs Q2 2025
- +11.8%
- Tier 1 leverage ratio, Q2 2026
- 11.01%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 101902146
- Holding company
- F&C BANCORP, INC.
- Asset rank in state
- 73rd of 191 in Missouri
F & C Bank is one of the more profitable banks of its size. It reported $481 million in assets at June 30, 2026, up 11.8% from a year earlier. It earns about $2.36 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 5.53 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.95 cents). Much of that comes from cost control: it spends about 45 cents to bring in each dollar of revenue.
Net income for the quarter rose 23% from a year earlier, to $2.8 million. Over the same year, loans grew 15.7% and deposits grew 10.6%. One more trend to watch: problem loans have nearly doubled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.38% of loans, against 0.19% a year earlier.
As of June 30, 2026, F & C Bank reported a return on assets of 2.36%, a nonperforming-loan ratio of 0.38% and a Texas ratio of 2.85%. The figures come from its call report filed with the FFIEC.
Of the 191 banks headquartered in Missouri, F & C Bank is the 73rd largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.7% to $481.0M, loans rose 4.6% and deposits rose 1.0%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 32.6% of total loans, ahead of farmland and other real estate loans at 23.0%. Its 3 offices in the FDIC Summary of Deposits are in Warrensburg, MO, Holden, MO and Lone Jack, MO; its Warrensburg office books 42% of its branch deposits. On its Q2 2026 call report, F & C Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1006 Eagle Crest Dr, Holden, MO 64040
- County
- Johnson
- Metro Area
- Warrensburg, MO
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 24, 1881
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 62
- Domestic deposits
- $420.7M
- Allowance for credit losses
- $5.2M
- Net charge-offs (YTD)
- $68K
- Average total assets
- $476.3M
- Average total loans
- $424.7M
- Average interest-bearing deposits
- $347.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9378
- Fed RSSD
- 14155
- Website
- https://www.fandcbank.com →
- Parent Holding Company
- F&C BANCORP, INC. (RSSD 2168931)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, F & C Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, F & C Bank's total assets ranged from $347.2M (Q3 2023) to $481.0M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$481.0M total assets against $430.1M; $428.6M total liabilities against $385.6M.
$428.0M net loans and leases against $369.6M; $420.7M total deposits against $380.3M.
$22.2M securities against $25.8M; $6.4M cash and balances due against $16.7M.
$8.2M total interest income against $7.4M; $2.0M total interest expense against $2.0M.
$6.2M net interest income against $5.3M.
$639K total noninterest income against $557K; $3.1M total noninterest expense against $2.8M.
$91K provision for credit losses against $123K.
$2.8M net income against $2.3M.
2.36% return on assets against 2.13%; 5.53% net interest margin against 5.24%.
11.01% tier 1 leverage ratio against 10.42%.
Inside the full F & C Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
F & C Bank rankings
Its closest position to the top of a national ranking is 222 of 3,611, for ROA; its furthest is 1,905 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 2.06% (Q4 2024) to 2.64% (Q3 2024) and its net interest margin ran from 4.93% (Q3 2024) to 5.54% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.01% | 2.36% | 0.38% | 2.85% | 5.53% |
| Q1 2026 | 10.73% | 2.34% | 0.26% | 1.93% | 5.42% |
| Q4 2025 | 10.80% | 2.48% | 0.22% | 1.69% | 5.54% |
| Q3 2025 | 10.94% | 2.31% | 0.11% | 0.83% | 5.39% |
| Q2 2025 | 10.42% | 2.13% | 0.19% | 1.42% | 5.24% |
| Q1 2025 | 10.58% | 2.11% | 0.15% | 1.12% | 4.98% |
| Q4 2024 | 10.30% | 2.06% | 0.28% | 2.14% | 5.00% |
| Q3 2024 | 10.30% | 2.64% | 0.71% | 5.49% | 4.93% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| F & C Bank - Warrensburg Branch | Warrensburg , MO | 64093 | $177.3M |
| F & C Bank (main office) | Holden , MO | 64040 | $156.4M |
| Lone Jack Facility | Lone Jack , MO | 64070 | $87.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in MO, rank 88 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 200 applications, 183 loans originated, $36.2M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $1.6M approved, $808K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about F & C Bank
What are F & C Bank's total assets?
As of the Q2 2026 filing, F & C Bank reported total assets of $481.0 million in its FFIEC call report.
Where is F & C Bank headquartered?
It is headquartered in Holden, MO, United States.
When was F & C Bank founded?
It was established in 1881, per the FDIC institution directory.
Is F & C Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9378). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates F & C Bank?
F & C Bank's primary federal regulator is the FDIC.
How many branches does F & C Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is F & C Bank's Texas Ratio?
Its Texas Ratio is 2.85% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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