FCNB Bank
Steelville, MO · Cert 1639 · Peer group: banks under $1B in assets in MO (n=82-83) · Steelville Cmty Banc-Shares
State charter, Fed member · FED · 6 branches
Q2 2026
$220.4MAssets
$141.8MLoans
$196.0MDeposits
$11.0MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in MO (rank 10 of 82).
- Widest gap: equity / assets trails 100% of banks under $1B in assets in MO (rank 83 of 83).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.52%
Rank 78 of 83
Net Interest Margin
3.35%
Rank 63 of 83
Efficiency Ratio
81.68%
Rank 78 of 83
Equity / Assets
4.97%
Rank 83 of 83
Non-interest income vs. expense
Unfavorable gap of $5.3M · efficiency ratio beats 7% of banks under $1B in assets in MO | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.52% | 0.96% | 1.32% | 1.75% | Beats 6% | 78 / 83 | |
| Return on Equity | 10.40% | 9.66% | 12.96% | 15.76% | Beats 29% | 59 / 83 | |
| Net Interest Margin | 3.35% | 3.35% | 3.85% | 4.16% | Beats 24% | 63 / 83 | |
| Efficiency Ratio | 81.68% | 49.83% | 58.83% | 68.51% | Beats 7% | 78 / 83 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.08% | 0.51% | 1.01% | Beats 100% | 10 / 82 | |
| Net Charge-Offs / Loans | 0.10% | 0.00% | 0.01% | 0.06% | Beats 15% | 71 / 82 | |
| Capital |
| Tier 1 Capital Ratio | 10.11% | 11.01% | 12.49% | 14.98% | Beats 11% | 74 / 83 | |
| Total Risk-Based Capital Ratio | 10.94% | 11.13% | 13.01% | 15.10% | Beats 17% | 69 / 83 | |
| Equity / Assets | 4.97% | 8.83% | 10.71% | 13.29% | Beats 0% | 83 / 83 | |
| Liquidity & Funding |
| Loans / Deposits | 72.33% | 69.28% | 83.22% | 91.21% | 28th pctl | 59 / 82 | |
| Loans / Assets | 64.31% | 59.34% | 71.15% | 78.36% | 33rd pctl | 56 / 83 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |