FCN Bank, National Association
Brookville, IN · Cert 4319 · Peer group: banks under $1B in assets in the Cincinnati, OH-KY-IN area (n=15) · FCN Banc Corp.
National charter · OCC · 6 branches
Q2 2026
$812.5MAssets
$553.8MLoans
$706.5MDeposits
$65.4MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 93% of banks under $1B in assets in the Cincinnati, OH-KY-IN area (rank 2 of 15).
- Widest gap: equity / assets trails 93% of banks under $1B in assets in the Cincinnati, OH-KY-IN area (rank 14 of 15).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.05%
Rank 4 of 15
Net Interest Margin
2.99%
Rank 10 of 15
Efficiency Ratio
63.03%
Rank 3 of 15
Equity / Assets
8.05%
Rank 14 of 15
Non-interest income vs. expense
Unfavorable gap of $13.8M · efficiency ratio beats 87% of banks under $1B in assets in the Cincinnati, OH-KY-IN area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.05% | 0.35% | 0.56% | 1.05% | Beats 73% | 4 / 15 | | |
| Return on Equity | 13.01% | 1.73% | 4.99% | 6.76% | Beats 87% | 2 / 15 | | |
| Net Interest Margin | 2.99% | 2.85% | 3.21% | 3.42% | Beats 33% | 10 / 15 | | |
| Efficiency Ratio | 63.03% | 64.82% | 75.45% | 88.43% | Beats 87% | 3 / 15 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.02% | 0.12% | 0.43% | 1.30% | Beats 93% | 2 / 15 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.00% | Beats 47% | 9 / 15 | | |
| Capital |
| Tier 1 Capital Ratio | 14.01% | 13.11% | 14.76% | 20.06% | Beats 27% | 11 / 15 | | |
| Total Risk-Based Capital Ratio | 15.18% | 14.37% | 15.36% | 20.06% | Beats 33% | 10 / 15 | | |
| Equity / Assets | 8.05% | 10.14% | 11.33% | 20.42% | Beats 7% | 14 / 15 | | |
| Liquidity & Funding |
| Loans / Deposits | 78.39% | 80.04% | 97.18% | 103.56% | 7th pctl | 14 / 15 | | |
| Loans / Assets | 68.16% | 68.16% | 75.18% | 82.63% | 20th pctl | 12 / 15 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |