FCNB Bank
Steelville, MO
IDRSSD: 619859
Total Assets
$208.45M
Latest filing
Total Deposits
$184.53M
Latest filing
Net Interest Margin
3.68%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
FCNB Bank
402 W Main St
Steelville, MO 65565
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1906FDIC Certificate 1075
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| FCNB Bank (Main) | 402 W Main St | Steelville, MO |
| CUBA BRANCH | 407 N Franklin St | Cuba, MO |
| SULLIVAN BRANCH | 1 Community Plz | Sullivan, MO |
| NORTH BISHOP AVENUE BRANCH | 2323 N Bishop Ave | Rolla, MO |
| EUREKA BRANCH | 450 Meramec Blvd | Eureka, MO |
| BISHOP BRANCH | 212 S Bishop Ave | Rolla, MO |
Showing 5 of 5
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 member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/01/1906 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 65565 |
| State and County Number | 29055 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 08 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 53 |
| Domestic Offices | 6 |
| 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 | www.fcnb.com |
| Data Updated | 01/30/2026 |
| CERT | 1639 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $208.45M |
| Total Deposits | $184.53M |
| Total Liabilities | $197.95M |
| Total Equity Capital | $10.50M |
| Net Income | $228.00k |
| Net Loans and Leases | $128.23M |
| Assets Per Employee ($Millions) | $3.72M |
| Bank Premises and Fixed Assets | $10.41M |
| Cash and Balances due from Depository Institutions | $9.15M |
| Deposits Held in Domestic Offices | $184.53M |
Key Performance Ratios
| Return on Assets (ROA) | 0.43% |
| Return on Equity (ROE) | 8.94% |
| Net Interest Margin | 3.68% |
| Efficiency Ratio | 88.69% |
| Tier 1 Risk-Based Capital Ratio | 10.381% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.09% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 5.039% |
| Earning Assets to total Assets | 88.47% |
Income and Expense
| Total Interest Income | $2.66M |
| Total Noninterest Income | $708.00k |
| Total Interest Expense | $945.00k |
| Total Noninterest Expense | $2.15M |
| Net Interest Income | $1.72M |
| Pre-tax Net Operating Income | $228.00k |
| Provision for Credit Losses | $46.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $48.00k |
| Other borrowed funds | $12.50M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $924.00k |
| Total Liabilities and Capital | $208.45M |
Securities
| Securities | $51.61M |
| Available-for-sale debt securities | $51.61M |
| 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 FCNB Bank?
$208.45M as of the latest filing.
How much are FCNB Bank's total deposits?
$184.53M in total deposits.
Where is FCNB Bank located?
Steelville, MO.
What is the Net Interest Margin?
3.68%.
How many domestic offices does it operate?
6.
When was it established?
01/01/1906.
What is the Return on Assets (ROA)?
0.43%.
How much are total loans and leases?
$128.23M (latest filing).
What is the total interest income (latest filing)?
$2.66M.