FCB Banks
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Data as of · sourced from FFIEC call reports. How we update
FCB Banks is an FDIC-insured commercial bank headquartered in Collinsville, IL, established in 1990 (FDIC certificate 33005), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $2.64B, up 1.6% from Q2 2025, the 30th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 12.08% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 33005
- Headquarters
- Collinsville, IL
- Established
- 1990
- Total assets, Q2 2026
- $2.64B
- Assets vs Q2 2025
- +1.6%
- CET1 ratio, Q2 2026
- 12.08%
- Domestic offices
- 20 FDIC institution directory, current count
- Routing number
- 081025198
- Holding company
- FIRST CO BANCORP, INC.
- Asset rank in state
- 30th of 319 in Illinois
Problem loans are rising at FCB Banks. It reported $2.6 billion in assets at June 30, 2026, up 1.6% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.76% of loans from 0.41% a year earlier. It returns 22.7% a year on shareholders' equity, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 12.6%). On the other hand, it funds 8.45% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.52%).
Its $366 million multifamily book is now fully current, after 10.16% of it was past due or on nonaccrual a year earlier. Net income for the quarter rose 23% from a year earlier, to $12 million. Concentration is the risk to watch: it holds commercial real estate loans worth 2.9 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
As of June 30, 2026, FCB Banks reported a CET1 capital ratio of 12.08%, a return on assets of 1.86%, a nonperforming-loan ratio of 0.76% and a Texas ratio of 6.72%. The figures come from its call report filed with the FFIEC.
FCB Banks ranks as the 30th largest of the 319 banks based in Illinois, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.3% to $2.64B, loans rose 0.5% and deposits rose 1.7%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 46.5% of total loans, ahead of multifamily loans at 17.9%. The FDIC Summary of Deposits lists 20 offices for it, in 16 cities across 2 states; its Collinsville 5 offices book 22% of its branch deposits. By the capital ratios in its Q2 2026 call report, FCB Banks meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 800 Belt Line Rd, Collinsville, IL 62234
- County
- Madison
- Metro Area
- St. Louis, MO-IL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- July 9, 1990
- Domestic offices
- 20 FDIC institution directory, current count
- Employees (FTE)
- 245
- Domestic deposits
- $2.27B
- Allowance for credit losses
- $21.7M
- Net charge-offs (YTD)
- $71K
- Average total assets
- $2.62B
- Average total loans
- $2.04B
- Average interest-bearing deposits
- $1.94B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 9, 1990
- FDIC Cert
- 33005
- Fed RSSD
- 1459717
- Website
- www.fcbbanks.com →
- Parent Holding Company
- FIRST CO BANCORP, INC. (RSSD 1250473)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, FCB Banks's total assets ran between $2.20B (Q3 2023) and $2.64B (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
$2.64B total assets against $2.60B; $2.43B total liabilities against $2.40B.
$2.03B net loans and leases against $1.92B; $2.27B total deposits against $2.15B.
$458.9M securities against $357.3M; $111.1M cash and balances due against $254.7M.
$35.5M total interest income against $33.7M; $14.1M total interest expense against $15.0M.
$21.4M net interest income against $18.8M.
$3.7M total noninterest income against $3.2M; $12.5M total noninterest expense against $11.7M.
$300K provision for credit losses against $300K.
$12.1M net income against $9.9M.
1.86% return on assets against 1.56%; 3.32% net interest margin against 3.01%.
12.08% CET1 capital ratio against 12.17%; 8.45% tier 1 leverage ratio against 8.10%.
Inside the full FCB Banks 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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
FCB Banks rankings
Its closest position to the top of a national ranking is 473 of 4,196, for total assets; its furthest is 823 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.28% (Q4 2024) to 1.86% (Q2 2026) and its net interest margin ran from 2.68% (Q3 2024) to 3.32% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.08% | 1.86% | 0.76% | 6.72% | 3.32% |
| Q1 2026 | 12.36% | 1.74% | 0.80% | 7.06% | 3.26% |
| Q4 2025 | 12.25% | 1.68% | 0.46% | 4.02% | 3.31% |
| Q3 2025 | 12.36% | 1.75% | 0.39% | 3.44% | 3.19% |
| Q2 2025 | 12.17% | 1.56% | 0.41% | 3.71% | 3.01% |
| Q1 2025 | 12.21% | 1.42% | 0.41% | 3.78% | 2.79% |
| Q4 2024 | 11.81% | 1.28% | 0.33% | 3.06% | 2.75% |
| Q3 2024 | 11.99% | 1.29% | 0.46% | 4.29% | 2.68% |
Swipe the table sideways to see every column.
Branch Network
View all 20 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 |
|---|---|---|---|
| FCB Banks (main office) | Collinsville , IL | 62234 | $369.1M |
| Edwardsville Branch | Edwardsville , IL | 62025 | $279.3M |
| Highland Branch | Highland , IL | 62249 | $237.4M |
| Swansea Branch | Swansea , IL | 62226 | $231.8M |
| Troy Branch | Troy , IL | 62294 | $169.5M |
| New Baden Branch | New Baden , IL | 62265 | $146.9M |
| Maryville Branch | Maryville , IL | 62062 | $139.3M |
| Tesson Ferry Road Branch | Saint Louis , MO | 63128 | $130.8M |
| Fcb Columbia Branch | Columbia , IL | 62236 | $94.2M |
| O'Fallon Branch | O Fallon , IL | 62269 | $76.2M |
| Albers Facility | Albers , IL | 62215 | $74.8M |
| Trenton Branch | Trenton , IL | 62293 | $69.1M |
| Online Banking Center | Collinsville , IL | 62234 | $66.8M |
| Collinsville Route 157 Branch | Collinsville , IL | 62234 | $57.8M |
| Bellville Il Branch | Belleville , IL | 62220 | $51.1M |
| Fcb Banks Ellisville Branch | Ellisville , MO | 63011 | $34.6M |
| Caseyville Branch | Caseyville , IL | 62232 | $24.5M |
| Florissant Branch | Florissant , MO | 63033 | $16.5M |
| St. Louis County Mobile Branch | Collinsville , IL | 62234 | $0 |
| St.ClairMadison Counties Mobile Branch | Collinsville , IL | 62234 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 26, 2019 | Structure Change | Acquired Columbia National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 25, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 21, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 21, 2017 | Structure Change | Acquired First County Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 29, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1999 | Structure Change | Acquired Alpine Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 7 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in IL, rank 41 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 2,168 applications, 1,716 loans originated, $458.5M originated, across 15 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, 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 FCB Banks
What are FCB Banks's total assets?
As of the Q2 2026 filing, FCB Banks reported total assets of $2.64 billion in its FFIEC call report.
Where is FCB Banks headquartered?
It is headquartered in Collinsville, IL, United States.
When was FCB Banks founded?
It was established in 1990, per the FDIC institution directory.
Is FCB Banks FDIC-insured?
Yes. It 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.
What is FCB Banks's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.08% in its Q2 2026 call report, above regulatory requirements.
How many branches does FCB Banks operate?
It operates 20 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is FCB Banks's Texas Ratio?
Its Texas Ratio is 6.72% 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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