FCB Banks: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 6.91 percentage points in Q2 2026, from 132.78% to 139.69%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, FCB Banks is 41st of 323 on return on assets, 1.86% as of Q2 2026. The median for banks in the $1B-10B asset tier is 1.27% on return on assets. FCB Banks sits 0.58 points higher, at 1.86% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.08% |
| Tier 1 risk-based capital ratio | 12.08% |
| Total risk-based capital ratio | 13.27% |
| Tier 1 leverage ratio | 8.45% |
| Equity capital to assets | 8.13% |
| Tangible equity to tangible assets | 8.03% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.76% |
| Non-performing assets ratio | 0.59% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 6.72% |
| Allowance for credit losses to loans | 1.06% |
| Reserve coverage of non-performing loans | 139.69% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.86% |
| Return on equity | 22.66% |
| Net interest margin | 3.32% |
| Efficiency ratio | 49.85% |
| Yield on earning assets | 5.51% |
| Cost of funds | 2.38% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.31% |
| Core deposits to total deposits | 93.10% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.92% |
| Securities to assets | 17.37% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.67% | 11.67% | 12.78% | 8.25% | 0.81% |
| Q4 2023 | 11.94% | 11.94% | 13.09% | 8.52% | 0.80% |
| Q1 2024 | 12.07% | 12.07% | 13.24% | 8.64% | 0.95% |
| Q2 2024 | 12.05% | 12.05% | 13.23% | 8.49% | 1.08% |
| Q3 2024 | 11.99% | 11.99% | 13.15% | 8.36% | 1.29% |
| Q4 2024 | 11.81% | 11.81% | 12.99% | 8.21% | 1.28% |
| Q1 2025 | 12.21% | 12.21% | 13.42% | 8.27% | 1.42% |
| Q2 2025 | 12.17% | 12.17% | 13.38% | 8.10% | 1.56% |
| Q3 2025 | 12.36% | 12.36% | 13.59% | 8.03% | 1.75% |
| Q4 2025 | 12.25% | 12.25% | 13.48% | 7.98% | 1.68% |
| Q1 2026 | 12.36% | 12.36% | 13.58% | 8.49% | 1.74% |
| Q2 2026 | 12.08% | 12.08% | 13.27% | 8.45% | 1.86% |
FCB Banks vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock FCB Banks, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full FCB Banks profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33005) · FFIEC NIC profile (RSSD 1459717)