FCN Bank, N.A.: 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 2.77 percentage points higher than in Q1 2026, at 78.39%. FCN Bank, N.A. ranks 41st of 87 Indiana banks on return on assets, in the upper half at 1.16% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. FCN Bank, N.A. sits 0.10 points lower, at 1.16% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.01% |
| Tier 1 risk-based capital ratio | 14.01% |
| Total risk-based capital ratio | 15.18% |
| Tier 1 leverage ratio | 9.92% |
| Equity capital to assets | 8.05% |
| Tangible equity to tangible assets | 7.40% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.16% |
| Non-performing assets ratio | 0.79% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 9.71% |
| Allowance for credit losses to loans | 1.15% |
| Reserve coverage of non-performing loans | 99.16% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.16% |
| Return on equity | 14.70% |
| Net interest margin | 3.20% |
| Efficiency ratio | 58.14% |
| Yield on earning assets | 4.93% |
| Cost of funds | 1.85% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.39% |
| Core deposits to total deposits | 86.98% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.95% |
| Securities to assets | 25.61% |
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 | 13.21% | 13.21% | 14.37% | 9.22% | 0.58% |
| Q4 2023 | 13.38% | 13.38% | 14.56% | 9.30% | 0.50% |
| Q1 2024 | 13.56% | 13.56% | 14.75% | 9.21% | 0.41% |
| Q2 2024 | 13.51% | 13.51% | 14.69% | 9.31% | 0.41% |
| Q3 2024 | 13.49% | 13.49% | 14.67% | 9.10% | 0.60% |
| Q4 2024 | 13.68% | 13.68% | 14.88% | 9.09% | 0.72% |
| Q1 2025 | 13.93% | 13.93% | 15.14% | 9.50% | 0.66% |
| Q2 2025 | 13.83% | 13.83% | 15.02% | 9.71% | 0.85% |
| Q3 2025 | 14.12% | 14.12% | 15.33% | 9.84% | 0.81% |
| Q4 2025 | 14.14% | 14.14% | 15.34% | 9.82% | 0.94% |
| Q1 2026 | 14.10% | 14.10% | 15.28% | 9.88% | 0.98% |
| Q2 2026 | 14.01% | 14.01% | 15.18% | 9.92% | 1.16% |
FCN Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock FCN Bank, N.A., 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 FCN Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4319) · FFIEC NIC profile (RSSD 321947)