PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

FCNB Bank

Steelville, MO · Cert 1639 · Steelville Cmty Banc-Shares

State charter, Fed member · FED · 6 branches

Q2 2026

$220.4MAssets
$141.8MLoans
$196.0MDeposits
$11.0MEquity
Loan mix
82%RE $107.4M14%C&I $18.8M4%Consumer $5.4MQ3 2024Q2 2026
Deposit mix
63%Interest-bearing $123.4M37%Noninterest $72.6MQ3 2024Q2 2026

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.0% share · #92 of 111 inst. · $0.0B of $141.7B

26.1% Crawford
0.7% Franklin
1.7% Phelps
0.0% St. Louis

Executive Summary

  • Earnings: ROA of 0.53%, up 9 bps year over year; NIM at 3.35%.
  • Asset quality: problem loans at 0.00% of loans (-12 bps YoY), with net charge-offs at 0.19%.
  • Capital: tier 1 leverage ratio of 8.06%, up 43 bps from a year ago.
  • Funding: loans stand at 72.33% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.53%+9 bps YoY

Net Interest Margin (YTD, annualized)

3.35%+30 bps YoY

Efficiency Ratio (YTD, annualized)

81.68%-524 bps YoY

Tier 1 Leverage Ratio

8.06%+43 bps YoY

NIM

4.79%Q2 ’244.83%Q2 ’255.08%Q2 ’26+2%+10%

Non-interest income vs. expense

4.27%Q2 ’244.03%Q2 ’254.03%Q2 ’26-15%+0%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.15%0.15%0.48%0.44%0.37%0.37%0.44%0.53%+9 bps
Return on Equity5.58%5.45%14.63%12.75%9.92%9.14%9.02%10.73%-202 bps
Net Interest Margin2.91%2.95%3.01%3.05%3.07%3.12%3.24%3.35%+30 bps
Efficiency Ratio97.24%96.65%85.62%86.92%88.35%88.44%85.70%81.68%-524 bps
Non-Interest Burden2.78%2.80%2.30%2.44%2.54%2.59%2.57%2.44%0 bps
Growth
Asset Growth (YoY)0.52%-3.44%1.76%5.15%7.22%8.43%6.53%6.79%+165 bps
Loan Growth (YoY)25.49%16.66%18.19%9.26%12.13%12.42%12.50%16.11%+686 bps
Deposit Growth (YoY)1.94%5.03%8.12%9.49%12.58%11.94%6.61%6.90%-259 bps
Asset Quality
Nonperforming Loans / Loans0.68%0.00%0.00%0.12%0.03%0.02%0.00%0.00%-12 bps
Net Charge-Offs / Loans-0.02%-0.03%0.01%0.00%0.01%0.01%0.04%0.19%+19 bps
Allowance / Loans1.00%1.01%1.00%1.00%1.00%1.00%1.00%1.00%0 bps
Allowance Coverage of NPLs1.5xn/an/a8.3x29.9x59.1xn/an/an/a
Capital
Tier 1 Leverage Ratio7.64%7.73%7.83%7.63%7.97%8.08%7.97%8.06%+43 bps
Total Risk-Based Capital10.81%10.86%10.60%10.58%11.15%11.19%11.03%10.94%+36 bps
Equity / Assets3.87%3.02%3.52%3.67%4.69%5.04%4.81%4.97%+130 bps
Liquidity & Funding
Loans / Deposits67.69%69.90%66.66%66.59%67.42%70.20%70.34%72.33%+574 bps
Liquid Assets / Assets4.47%2.54%5.06%5.36%5.99%2.20%3.88%3.04%-232 bps
CRE / Total Capitaln/an/an/an/a270%277%287%n/an/a