FCNB Bank: 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.
Loan-to-deposit ratio climbed 1.99 percentage points in Q2 2026, from 70.34% to 72.33%. It was the largest change from Q1 2026 among the key lines here. Within Missouri, FCNB Bank is 168th of 191 on return on assets, 0.79% as of Q2 2026. The median for banks in the $100M-1B asset tier is 1.26% on return on assets. FCNB Bank sits 0.47 points lower, at 0.79% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.11% |
| Tier 1 risk-based capital ratio | 10.11% |
| Total risk-based capital ratio | 10.94% |
| Tier 1 leverage ratio | 8.06% |
| Equity capital to assets | 4.97% |
| Tangible equity to tangible assets | 4.87% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.02% |
| Net charge-off ratio | 0.35% |
| Texas ratio | 0.40% |
| Allowance for credit losses to loans | 1.00% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.79% |
| Return on equity | 15.95% |
| Net interest margin | 3.73% |
| Efficiency ratio | 77.85% |
| Yield on earning assets | 5.56% |
| Cost of funds | 1.81% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.33% |
| Core deposits to total deposits | 84.56% |
| Brokered deposits to total deposits | 8.01% |
| Deposits to assets | 88.92% |
| Securities to assets | 22.83% |
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 | 10.26% | 10.26% | 11.24% | 6.99% | 0.25% |
| Q4 2023 | 9.77% | 9.77% | 10.64% | 7.07% | 0.26% |
| Q1 2024 | 9.73% | 9.73% | 10.52% | 6.95% | 0.27% |
| Q2 2024 | 9.35% | 9.35% | 10.11% | 7.32% | 0.16% |
| Q3 2024 | 10.06% | 10.06% | 10.81% | 7.64% | 0.12% |
| Q4 2024 | 10.08% | 10.08% | 10.86% | 7.73% | 0.19% |
| Q1 2025 | 9.82% | 9.82% | 10.60% | 7.83% | 0.61% |
| Q2 2025 | 9.80% | 9.80% | 10.58% | 7.63% | 0.50% |
| Q3 2025 | 10.36% | 10.36% | 11.15% | 7.97% | 0.32% |
| Q4 2025 | 10.38% | 10.38% | 11.19% | 8.08% | 0.44% |
| Q1 2026 | 10.22% | 10.22% | 11.03% | 7.97% | 0.56% |
| Q2 2026 | 10.11% | 10.11% | 10.94% | 8.06% | 0.79% |
FCNB Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock FCNB Bank, 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 FCNB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1639) · FFIEC NIC profile (RSSD 619859)