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Fcnb Bank
Steelville, MO · FDIC Certificate #1639 · Chartered 01/0
Total assets
$220.44M
Total deposits
$196.00M
Total equity
$10.96M
Net loans
$140.35M
Branches (offices)
6
Net income (YTD)
$726.00K
Rank: #2,861 of 4,213 U.S. banks by assets · #119 of 190 in Missouri. Assets changed 6.8% and deposits 6.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.68% |
| Return on equity | 13.67% |
| Net interest margin (YTD) | 3.78% |
| Equity to assets | 4.97% |
| Tier 1 leverage ratio | 8.06% |
| Uninsured deposits (share of deposits) | 17.6% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.20% |
| Loans to deposits | 71.6% |
| Real estate loans (share of loans) | 79.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $111.88M | 79.7% | |
| Commercial & industrial | $20.05M | 14.3% | |
| Consumer / individual | $5.45M | 3.9% | |
| Construction & development | $8.85M | 6.3% | |
| Agricultural | $4.23M | 3.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $157.39M | $152.04M | $619.00K | $4.98M |
| Jun 2023 | $194.37M | $158.89M | $424.00K | $3.30M |
| Jun 2024 | $196.31M | $167.47M | $215.00K | $4.64M |
| Jun 2025 | $206.41M | $183.36M | $555.00K | $7.57M |
| Jun 2026 | $220.44M | $196.00M | $726.00K | $10.96M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $196.00M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $196.00M.
Similar-sized banks
The Hicksville Bank ($220.55M) · The Citizens Bank ($220.38M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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