FCNB Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks FCNB Bank of Steelville, MO against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.79% | 1.25% | -0.46% | 21st bottom |
| ROAE | 15.95% | 13.17% | +2.78% | 71st above |
| Net Interest Margin | 3.73% | 3.95% | -0.22% | 38th below |
| Efficiency Ratio | 77.85% | 61.50% | +16.35% | 15th bottom |
| PPNR / Avg Assets | 1.14% | — | — | 25th below |
| Yield on Earning Assets | 5.56% | 5.67% | -0.11% | 48th below |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.81% | 1.87% | -0.06% | 49th below |
| Net Interest Spread | 2.84% | — | — | 25th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.09% | 0.93% | -0.84% | 75th top |
| NPA / Total Assets | 0.08% | — | — | 73rd above |
| NCO / Avg Loans | 0.35% | 0.15% | +0.20% | 8th bottom |
| ACL / Total Loans | 1.00% | — | — | 26th below |
| ACL / NPLs (Coverage) | 1171.07% | — | — | — |
| Texas Ratio | 0.40% | 6.06% | -5.66% | 78th top |
| Provision / NCO | 186.57% | — | — | 55th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.11% | 17.18% | -7.07% | 3rd bottom |
| Tier 1 Ratio | 10.11% | 17.21% | -7.10% | 3rd bottom |
| Total Capital Ratio | 10.94% | — | — | 2nd bottom |
| Leverage Ratio | 8.06% | 11.75% | -3.69% | 3rd bottom |
| Equity / Assets | 4.97% | 10.98% | -6.01% | 1st bottom |
| TCE / Tangible Assets | 4.87% | — | — | 1st bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 72.33% | 80.44% | -8.11% | 67th above |
| Core Deposit Ratio | 84.56% | 86.95% | -2.39% | 29th below |
| Wholesale Funding Ratio | 5.67% | — | — | 34th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.79% | — | — | 67th above |
| Loan Growth (Y/Y) | 16.11% | — | — | 87th top |
| Deposit Growth (Y/Y) | 6.90% | — | — | 69th above |
See FCNB Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock FCNB Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full FCNB Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the FCNB Bank peer analysis.