F & C Bank
Holden, MO
IDRSSD: 14155
Total Assets
$438.30M
Latest filing
Total Deposits
$385.59M
Latest filing
Net Interest Margin
5.43%
Profitability
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 11/14/2025Established 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 | 11/14/2025 |
| CERT | 9378 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $438.30M |
| Total Deposits | $385.59M |
| Total Liabilities | $391.16M |
| Total Equity Capital | $47.14M |
| Net Income | $2.49M |
| Net Loans and Leases | $380.88M |
| Assets Per Employee ($Millions) | $7.19M |
| Bank Premises and Fixed Assets | $6.43M |
| Cash and Balances due from Depository Institutions | $15.38M |
| Deposits Held in Domestic Offices | $385.59M |
Key Performance Ratios
| Return on Assets (ROA) | 2.29% |
| Return on Equity (ROE) | 21.7% |
| Net Interest Margin | 5.43% |
| Efficiency Ratio | 45.88% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.06% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.756% |
| Earning Assets to total Assets | 94.35% |
Income and Expense
| Total Interest Income | $7.54M |
| Total Noninterest Income | $559.00k |
| Total Interest Expense | $2.01M |
| Total Noninterest Expense | $2.80M |
| Net Interest Income | $5.54M |
| Pre-tax Net Operating Income | $3.24M |
| Provision for Credit Losses | $60.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $2.50M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.07M |
| Total Liabilities and Capital | $438.30M |
Securities
| Securities | $23.45M |
| Available-for-sale debt securities | $23.45M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| 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?
$438.30M as of the latest filing.
How much are F & C Bank's total deposits?
$385.59M in total deposits.
Where is F & C Bank located?
Holden, MO.
What is the Net Interest Margin?
5.43%.
How many domestic offices does it operate?
3.
When was it established?
03/24/1881.
What is the Return on Assets (ROA)?
2.29%.
How much are total loans and leases?
$380.88M (latest filing).
What is the total interest income (latest filing)?
$7.54M.