FCNB Bank
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Data as of · sourced from FFIEC call reports. How we update
FCNB Bank is an FDIC-insured commercial bank headquartered in Steelville, MO, established in 1906 (FDIC certificate 1639), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $220.4M, up 6.8% from Q2 2025, the 119th largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 10.11% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 1639
- Headquarters
- Steelville, MO
- Established
- 1906
- Total assets, Q2 2026
- $220.4M
- Assets vs Q2 2025
- +6.8%
- CET1 ratio, Q2 2026
- 10.11%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 081510593
- Holding company
- STEELVILLE COMMUNITY BANC-SHARES, INC.
- Asset rank in state
- 119th of 191 in Missouri
FCNB Bank operates with a thinner capital cushion than most banks of its size. The Steelville, Missouri bank had $220 million in assets at June 30, 2026, up 6.8% from a year earlier. It holds common equity equal to 10.11% of its risk-weighted assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 15.12%). It also grew its loan book 16.1% over the year, about triple the median of 5.5% for banks its size.
Earnings jumped: net income for the quarter was $426,000, 68% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $6.7 million equal 39% of Tier 1 capital, down from 54% a year earlier. Costs are the weak spot: it spends about 78 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, FCNB Bank reported a CET1 capital ratio of 10.11%, a return on assets of 0.79%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.40%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, FCNB Bank is the 119th largest of the 191 banks headquartered in Missouri. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.9% to $220.4M, loans rose 4.8% and deposits rose 1.9%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 31.8% of total loans, ahead of owner-occupied commercial real estate loans at 20.3%. Its 6 offices in the FDIC Summary of Deposits are in 5 cities in MO; its Steelville office books 48% of its branch deposits. On its Q2 2026 call report, FCNB Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 402 W Main St, Steelville, MO 65565
- County
- Crawford
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1906
- Former names
- First Community National Bank (1991-2021); First Community National Bank of Crawford County (1983-1991); Community Bank, Steelville, Mo. (1934-1983)
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 57
- Domestic deposits
- $196.0M
- Allowance for credit losses
- $1.4M
- Net charge-offs (YTD)
- $134K
- Average total assets
- $216.5M
- Average total loans
- $136.9M
- Average interest-bearing deposits
- $122.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1639
- Fed RSSD
- 619859
- Website
- www.fcnb.com →
- Parent Holding Company
- STEELVILLE COMMUNITY BANC-SHARES, INC. (RSSD 1096037)
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, FCNB Bank's total assets ran between $192.3M (Q4 2024) and $220.4M (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
$220.4M total assets against $206.4M; $209.5M total liabilities against $198.8M.
$140.4M net loans and leases against $120.9M; $196.0M total deposits against $183.4M.
$50.3M securities against $50.4M; $10.9M cash and balances due against $16.0M.
$2.8M total interest income against $2.5M; $928K total interest expense against $912K.
$1.9M net interest income against $1.6M.
$936K total noninterest income against $704K; $2.2M total noninterest expense against $2.1M.
$191K provision for credit losses against $20K.
$426K net income against $254K.
0.79% return on assets against 0.50%; 3.73% net interest margin against 3.41%.
10.11% CET1 capital ratio against 9.80%; 8.06% tier 1 leverage ratio against 7.63%.
Inside the full FCNB Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFCNB Bank rankings
Its closest position to the top of a national ranking is 2,848 of 4,196, for total assets; its furthest is 2,086 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.12% (Q3 2024) to 0.79% (Q2 2026) and its net interest margin ran from 3.13% (Q3 2024) to 3.73% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.11% | 0.79% | 0.00% | 0.40% | 3.73% |
| Q1 2026 | 10.22% | 0.56% | 0.00% | 0.42% | 3.49% |
| Q4 2025 | 10.38% | 0.44% | 0.02% | 0.61% | 3.54% |
| Q3 2025 | 10.36% | 0.32% | 0.03% | 0.39% | 3.48% |
| Q2 2025 | 9.80% | 0.50% | 0.12% | 1.74% | 3.41% |
| Q1 2025 | 9.82% | 0.61% | 0.00% | 0.00% | 3.21% |
| Q4 2024 | 10.08% | 0.19% | 0.00% | 0.00% | 3.30% |
| Q3 2024 | 10.06% | 0.12% | 0.68% | 17.30% | 3.13% |
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 |
|---|---|---|---|
| FCNB Bank (main office) | Steelville , MO | 65565 | $94.7M |
| Cuba Branch | Cuba , MO | 65453 | $32.0M |
| Sullivan Branch | Sullivan , MO | 63080 | $26.9M |
| Eureka Branch | Eureka , MO | 63025 | $18.8M |
| North Bishop Avenue Branch | Rolla , MO | 65401 | $16.9M |
| Bishop Branch | Rolla , MO | 65401 | $6.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MO, rank 142 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 58 applications, 19 loans originated, $2.3M originated, across 3 states
- Period: Calendar year 2019. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 4 loans, $2.5M approved, $618K 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 FCNB Bank
What are FCNB Bank's total assets?
As of the Q2 2026 filing, FCNB Bank reported total assets of $220.4 million in its FFIEC call report.
Where is FCNB Bank headquartered?
It is headquartered in Steelville, MO, United States.
When was FCNB Bank founded?
It was established in 1906, per the FDIC institution directory.
Is FCNB Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1639). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates FCNB Bank?
FCNB Bank's primary federal regulator is the Federal Reserve.
What is FCNB Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.11% in its Q2 2026 call report, above regulatory requirements.
How many branches does FCNB Bank 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 FCNB Bank's Texas Ratio?
Its Texas Ratio is 0.40% 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.
What was FCNB Bank previously called?
The charter now named FCNB Bank has also operated as First Community National Bank (1991-2021), First Community National Bank of Crawford County (1983-1991), Community Bank, Steelville, Mo. (1934-1983), per FDIC structure-change records.
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