C
FCNB Bank
Rating Date
August 2026
Risk Based
Capital Ratio
10.94
Leverage
Ratio
8.06
Return On
Assets
0.67%
Total
Assets
220.44M
Capital
10.96M
Total
Deposits
196.01M
Net
Income
726.00K
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Weiss Ratings FCNB Bank
Steelville, MO 		Click to
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Rating C
Asset Quality Index 8.70
Capitalization Index 6.10
Liquidity Index 2.90
Profitability Index 3.20
Stability Index 2.70
Company Info FCNB Bank
Steelville, MO 		Click to
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FDIC Number 1639
Phone Number (573) 466-4180
Website www.fcnb.com
Asset Quality FCNB Bank
Steelville, MO 		Click to
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1-Year Asset Growth 6.79%
5-Year Asset Growth 6.24%
5-Year Charge-Offs to Average Loans -0.04%
Charge-Offs to Average Loans 0.20%
Non-Performing Assets to Assets 0.08%
Non-Performing Loans to Capital 0.32%
Non-Performing Loans to Loans 0.09%
Balance Sheet FCNB Bank
Steelville, MO 		Click to
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Total Assets 220.44M
Total Deposits 196.01M
Capital and Reserves FCNB Bank
Steelville, MO 		Click to
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Capital 10.96M
Leverage Ratio 8.06
Loan Loss Reserves to Loans 1.00%
Risk-Based Capital Ratio 10.94
Liquidity FCNB Bank
Steelville, MO 		Click to
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Hot Money Ratio 18.47%
Liquidity Ratio 17.66%
Profitability FCNB Bank
Steelville, MO 		Click to
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5-Year Return on Average Assets 0.45%
Net Income 726.00K
Net Interest Spread 3.61%
Operating Profit to Average Assets 0.67%
Overhead Efficiency Ratio 81.68%
Return on Assets 0.67%
Return on Equity 13.74%