FCN Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
FCN Bank, N.A. is an FDIC-insured commercial bank headquartered in Brookville, IN (FDIC certificate 4319), and it is supervised by the OCC. At Q2 2026 it reported total assets of $812.5M, up 4.6% from Q2 2025, the 27th largest of 87 banks headquartered in Indiana. Its CET1 capital ratio was 14.01% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 4319
- Headquarters
- Brookville, IN
- Established
- Not reported
- Total assets, Q2 2026
- $812.5M
- Assets vs Q2 2025
- +4.6%
- CET1 ratio, Q2 2026
- 14.01%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 074904640
- Latest call report
- Q2 2026, FFIEC 041 · FCN Bank, N.A. call report
- Holding company
- FCN BANC CORP.
- Asset rank in state
- 27th of 87 in Indiana
FCN Bank, N.A., based in Brookville, Indiana, reported $812 million in assets at June 30, 2026, up 4.6% from a year earlier. It carries problem assets equal to 0.1% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it holds commercial real estate loans worth 2.5 times its capital, about double the median of 1.2 times for banks its size.
Earnings jumped: net income for the quarter was $2.3 million, 42% above the same quarter a year earlier. Over the same year, loans grew 11.3% and deposits grew 1.8%. Its margin is thin by comparison: it keeps 3.20 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, FCN Bank, N.A. reported a CET1 capital ratio of 14.01%, a return on assets of 1.16%, a nonperforming-loan ratio of 0.02% and a Texas ratio of 0.13%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, FCN Bank, N.A. is the 27th largest of the 87 banks headquartered in Indiana. Between Q1 2026 and Q2 2026, its total assets rose 1.9% to $812.5M, loans rose 5.1% and deposits rose 1.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 32.9% of total loans, followed by non-owner-occupied commercial real estate loans at 17.9%. The FDIC Summary of Deposits lists 6 offices for it, in 6 cities across 2 states; its Brookville office books 27% of its branch deposits. On its Q2 2026 call report, FCN Bank, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 501 Main St, Brookville, IN 47012
- County
- Franklin
- Metro Area
- Cincinnati, Oh-KY-In
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 120
- Domestic deposits
- $706.5M
- Allowance for credit losses
- $6.4M
- Net charge-offs (YTD)
- -$51K
- Average total assets
- $803.9M
- Average total loans
- $541.9M
- Average interest-bearing deposits
- $559.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4319
- Fed RSSD
- 321947
- SEC CIK
- 778973 → filed by FCN BANC CORP.
- Website
- www.fcnbank.com →
- Parent Holding Company
- FCN BANC CORP. (RSSD 1134069)
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
From Q3 2023 to Q2 2026, FCN Bank, N.A.'s total assets ranged from $764.6M (Q3 2023) to $836.4M (Q3 2024), 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
$812.5M total assets against $776.8M; $747.1M total liabilities against $724.2M.
$547.4M net loans and leases against $491.5M; $706.5M total deposits against $693.8M.
$208.1M securities against $221.8M; $9.9M cash and balances due against $14.2M.
$9.6M total interest income against $8.8M; $3.4M total interest expense against $3.6M.
$6.1M net interest income against $5.2M.
$843K total noninterest income against $852K; $4.2M total noninterest expense against $4.2M.
$100K provision for credit losses against $0.
$2.3M net income against $1.6M.
1.16% return on assets against 0.85%; 3.20% net interest margin against 2.80%.
14.01% CET1 capital ratio against 13.83%; 9.92% tier 1 leverage ratio against 9.71%.
Inside the full FCN Bank, N.A. 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.
FCN Bank, N.A. rankings
Its closest position to the top of a national ranking is 1,229 of 4,196, for total assets; its furthest is 3,208 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.60% (Q3 2024) to 1.16% (Q2 2026) and its net interest margin ran from 2.28% (Q3 2024) to 3.20% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.01% | 1.16% | 0.02% | 0.13% | 3.20% |
| Q1 2026 | 14.10% | 0.98% | 0.02% | 0.15% | 3.09% |
| Q4 2025 | 14.14% | 0.94% | 0.02% | 0.18% | 3.00% |
| Q3 2025 | 14.12% | 0.81% | 0.02% | 0.20% | 2.94% |
| Q2 2025 | 13.83% | 0.85% | 0.02% | 0.22% | 2.80% |
| Q1 2025 | 13.93% | 0.66% | 0.00% | 0.00% | 2.58% |
| Q4 2024 | 13.68% | 0.72% | 0.00% | 0.00% | 2.35% |
| Q3 2024 | 13.49% | 0.60% | 0.02% | 0.21% | 2.28% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 |
|---|---|---|---|
| FCN Bank, N.A. (main office) | Brookville , IN | 47012 | $188.8M |
| Batesville Branch | Batesville , IN | 47006 | $166.2M |
| Lawrenceburg Branch | Lawrenceburg , IN | 47025 | $124.0M |
| Sunman Branch | Sunman , IN | 47041 | $99.8M |
| Harrison Branch | Harrison , OH | 45030 | $87.7M |
| Connersville Branch | Connersville , IN | 47331 | $40.0M |
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 |
|---|---|---|---|
| May 18, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 18, 2020 | Structure Change | Acquired Dearborn Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in IN, rank 47 of 129 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 280 applications, 243 loans originated, $59.1M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $769K approved, $384K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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 FCN Bank, N.A.
What are FCN Bank, N.A.'s total assets?
As of the Q2 2026 filing, FCN Bank, N.A. reported total assets of $812.5 million in its FFIEC call report.
Where is FCN Bank, N.A. headquartered?
It is headquartered in Brookville, IN, United States.
Is FCN Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4319). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates FCN Bank, N.A.?
FCN Bank, N.A.'s primary federal regulator is the OCC.
What is FCN Bank, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.01% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does FCN Bank, N.A. operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is FCN Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 0.13% 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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