FCB Banks
Collinsville, IL · Cert 33005 · Peer group: banks $1B-$10B in assets (n=322-328) · First Co. Bcorp Inc.
State charter, non-member · FDIC · 20 branches
Q2 2026
$2.6BAssets
$2.0BLoans
$2.3BDeposits
$214.8MEquity
Executive Summary
- Strongest standing: return on equity outperforms 89% of banks $1B-$10B in assets (rank 37 of 328).
- Widest gap: equity / assets trails 93% of banks $1B-$10B in assets (rank 306 of 328).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.40%
Rank 107 of 328
Net Interest Margin
3.23%
Rank 212 of 328
Efficiency Ratio
51.04%
Rank 77 of 328
Equity / Assets
8.13%
Rank 306 of 328
Non-interest income vs. expense
Unfavorable gap of $35.8M · efficiency ratio beats 77% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.40% | 0.91% | 1.22% | 1.52% | Beats 67% | 107 / 328 | | |
| Return on Equity | 17.26% | 8.43% | 11.45% | 14.43% | Beats 89% | 37 / 328 | | |
| Net Interest Margin | 3.23% | 3.03% | 3.45% | 3.83% | Beats 35% | 212 / 328 | | |
| Efficiency Ratio | 51.04% | 51.61% | 59.56% | 67.53% | Beats 77% | 77 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.76% | 0.24% | 0.51% | 1.03% | Beats 36% | 207 / 322 | | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.03% | 0.10% | Beats 73% | 87 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 12.08% | 11.75% | 13.15% | 15.47% | Beats 32% | 223 / 328 | | |
| Total Risk-Based Capital Ratio | 13.27% | 12.63% | 14.15% | 16.46% | Beats 36% | 209 / 328 | | |
| Equity / Assets | 8.13% | 9.15% | 10.33% | 12.01% | Beats 7% | 306 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 90.31% | 76.63% | 87.92% | 95.36% | 57th pctl | 138 / 323 | | |
| Loans / Assets | 77.60% | 65.18% | 74.15% | 79.98% | 66th pctl | 111 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |