F & C Bank
Operating from Holden, MO, F & C Bank serves its local market as an FDIC-insured commercial bank. The Q1 2026 balance sheet stands at $473M in assets, including $414M in loans. Returns are notably above industry norms: 2.34% ROA, 22.20% ROE, and 5.42% NIM. Under the simplified Community Bank Leverage Ratio framework, leverage of 10.73% exceeds the 9% CBLR threshold. Credit metrics are pristine, with nonperforming loans at just 0.26%. 3 branches make up the footprint.
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
- Fed District
- 11
- Established
- March 24, 1881
- Branches
- 3 domestic
- Employees (FTE)
- 62
- FDIC Cert
- 9378
- Fed RSSD
- 14155
- Website
- https://www.fandcbank.com →
- Parent Holding Company
- F&C BANCORP, INC. (RSSD 2168931)
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F & C Bank 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 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about F & C Bank
What are F & C Bank's total assets?
As of the Q1 2026 filing, F & C Bank reported total assets of $473.0 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is F & C Bank headquartered?
F & C Bank is headquartered in HOLDEN, MO, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was F & C Bank founded?
F & C Bank was established in 1881, per the FDIC institution directory.
Is F & C Bank FDIC-insured?
Yes. F & C Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does F & C Bank operate?
F & C Bank operates 3 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is F & C Bank's Texas Ratio?
F & C Bank's Texas Ratio is 1.95% — 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.
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