FCNB Bank
Steelville, MO
IDRSSD: 619859
Total Assets
$211.25M
Latest filing
Total Deposits
$185.70M
Latest filing
Net Interest Margin
3.67%
Profitability
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 | 54 |
| 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 | 11/14/2025 |
| CERT | 1639 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $211.25M |
| Total Deposits | $185.70M |
| Total Liabilities | $201.34M |
| Total Equity Capital | $9.91M |
| Net Income | $165.00k |
| Net Loans and Leases | $123.95M |
| Assets Per Employee ($Millions) | $3.99M |
| Bank Premises and Fixed Assets | $10.37M |
| Cash and Balances due from Depository Institutions | $16.58M |
| Deposits Held in Domestic Offices | $185.70M |
Key Performance Ratios
| Return on Assets (ROA) | 0.32% |
| Return on Equity (ROE) | 7.55% |
| Net Interest Margin | 3.67% |
| Efficiency Ratio | 91.21% |
| Tier 1 Risk-Based Capital Ratio | 10.36% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.08% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 4.69% |
| Earning Assets to total Assets | 88.98% |
Income and Expense
| Total Interest Income | $2.63M |
| Total Noninterest Income | $669.00k |
| Total Interest Expense | $937.00k |
| Total Noninterest Expense | $2.16M |
| Net Interest Income | $1.70M |
| Pre-tax Net Operating Income | $165.00k |
| Provision for Credit Losses | $43.00k |
| 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 | $14.50M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.14M |
| Total Liabilities and Capital | $211.25M |
Securities
| Securities | $51.37M |
| Available-for-sale debt securities | $51.37M |
| 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 FCNB Bank?
$211.25M as of the latest filing.
How much are FCNB Bank's total deposits?
$185.70M in total deposits.
Where is FCNB Bank located?
Steelville, MO.
What is the Net Interest Margin?
3.67%.
How many domestic offices does it operate?
6.
When was it established?
01/01/1906.
What is the Return on Assets (ROA)?
0.32%.
How much are total loans and leases?
$123.95M (latest filing).
What is the total interest income (latest filing)?
$2.63M.