Brookville, IN · Cert 4319 · FCN Banc Corp.
National charter · OCC · 6 branches
Q2 2026
Market Position · Cincinnati, OH-KY-IN · 2026 SOD (annual) · 0.3% share · #18 of 54 inst. · $0.6B of $187.5B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.84% | 0.81% | 0.94% | 0.97% | 1.15% | +31 bps | |
| Return on Equity | 12.81% | 11.25% | 12.07% | 12.47% | 14.70% | +189 bps | |
| Net Interest Margin | 2.71% | 2.83% | 2.87% | 2.95% | 3.08% | +37 bps | |
| Efficiency Ratio | 69.59% | 72.05% | 66.66% | 66.36% | 59.89% | -971 bps | |
| Non-Interest Burden | 1.74% | 1.91% | 1.75% | 1.81% | 1.66% | -8 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.62% | -7.35% | -0.24% | 2.47% | 4.60% | +622 bps | |
| Loan Growth (YoY) | 1.87% | 2.36% | 4.46% | 7.42% | 11.27% | +940 bps | |
| Deposit Growth (YoY) | -2.68% | -9.66% | -3.52% | -0.87% | 1.83% | +451 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.02% | 0.02% | 0.02% | 0.02% | 0.02% | -1 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.01% | -0.02% | -0.02% | -0.02% | 0 bps | |
| Allowance / Loans | 1.25% | 1.24% | 1.21% | 1.18% | 1.15% | -11 bps | |
| Allowance Coverage of NPLs | 52.9x | 53.1x | 53.6x | 69.3x | 74.0x | +21.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.71% | 9.84% | 9.82% | 9.88% | 9.92% | +21 bps | |
| Total Risk-Based Capital | 15.02% | 15.33% | 15.34% | 15.28% | 15.18% | +16 bps | |
| Equity / Assets | 6.77% | 7.58% | 7.95% | 7.65% | 8.05% | +128 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 71.74% | 73.85% | 74.88% | 75.61% | 78.39% | +665 bps | |
| Liquid Assets / Assets | 1.26% | 1.19% | 2.40% | 2.17% | 0.70% | -56 bps | |
| CRE / Total Capital | n/a | 320% | 321% | 330% | n/a | n/a | |