C
FCNB Bank
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings FCNB Bank
Steelville, MO
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Rating C
Asset Quality Index 8.70
Capitalization Index 6.00
Liquidity Index 3.20
Profitability Index 2.70
Stability Index 2.30
Company Info FCNB Bank
Steelville, MO
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FDIC Number 1639
Phone Number (573) 466-4180
Website www.fcnb.com
Asset Quality FCNB Bank
Steelville, MO
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1-Year Asset Growth 7.22%
5-Year Asset Growth 10.42%
5-Year Charge-Offs to Average Loans -0.05%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.10%
Non-Performing Loans to Capital 0.23%
Non-Performing Loans to Loans 0.17%
Balance Sheet FCNB Bank
Steelville, MO
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Total Assets 211.25M
Total Deposits 185.70M
Capital and Reserves FCNB Bank
Steelville, MO
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Capital 9.91M
Leverage Ratio 7.97
Loan Loss Reserves to Loans 1.00%
Risk-Based Capital Ratio 11.15
Liquidity FCNB Bank
Steelville, MO
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Hot Money Ratio 18.15%
Liquidity Ratio 23.00%
Profitability FCNB Bank
Steelville, MO
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5-Year Return on Average Assets 0.41%
Net Income 720.00K
Net Interest Spread 3.37%
Operating Profit to Average Assets 0.47%
Overhead Efficiency Ratio 88.35%
Return on Assets 0.47%
Return on Equity 12.76%