F & C Bank
Holden, MO
IDRSSD: 14155
Total Assets
$467.51M
Latest filing
Total Deposits
$408.10M
Latest filing
Net Interest Margin
5.52%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
101902146HOLDEN, MO
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
F & C Bank
1006 Eagle Crest Dr
Holden, MO 64040
Full Service - Brick and Mortar
Updated 01/30/2026Established 03/24/1881FDIC Certificate 6023
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| F & C Bank (Main) | 1006 Eagle Crest Dr | Holden, MO |
| LONE JACK FACILITY | 102 N Bynum Rd | Lone Jack, MO |
| F & C BANK - WARRENSBURG BRANCH | 541 E Young Ave | Warrensburg, MO |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 03/24/1881 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 64040 |
| State and County Number | 29101 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 10 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Warrensburg, MO |
Operational Info
| Number of Employees | 61 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | https://www.fandcbank.com |
| Data Updated | 01/30/2026 |
| CERT | 9378 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $467.51M |
| Total Deposits | $408.10M |
| Total Liabilities | $419.09M |
| Total Equity Capital | $48.42M |
| Net Income | $2.78M |
| Net Loans and Leases | $402.16M |
| Assets Per Employee ($Millions) | $7.66M |
| Bank Premises and Fixed Assets | $6.63M |
| Cash and Balances due from Depository Institutions | $19.24M |
| Deposits Held in Domestic Offices | $408.10M |
Key Performance Ratios
| Return on Assets (ROA) | 2.46% |
| Return on Equity (ROE) | 23.28% |
| Net Interest Margin | 5.52% |
| Efficiency Ratio | 44.19% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.05% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.358% |
| Earning Assets to total Assets | 93.54% |
Income and Expense
| Total Interest Income | $7.95M |
| Total Noninterest Income | $612.00k |
| Total Interest Expense | $2.07M |
| Total Noninterest Expense | $2.87M |
| Net Interest Income | $5.87M |
| Pre-tax Net Operating Income | $3.56M |
| Provision for Credit Losses | $59.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $7.50M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.49M |
| Total Liabilities and Capital | $467.51M |
Securities
| Securities | $22.24M |
| Available-for-sale debt securities | $22.24M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of F & C Bank?
$467.51M as of the latest filing.
How much are F & C Bank's total deposits?
$408.10M in total deposits.
Where is F & C Bank located?
Holden, MO.
What is the Net Interest Margin?
5.52%.
How many domestic offices does it operate?
3.
When was it established?
03/24/1881.
What is the Return on Assets (ROA)?
2.46%.
How much are total loans and leases?
$402.16M (latest filing).
What is the total interest income (latest filing)?
$7.95M.