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 8.50
Capitalization Index 5.60
Liquidity Index 3.30
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 5.15%
5-Year Asset Growth 10.42%
5-Year Charge-Offs to Average Loans -0.05%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.15%
Non-Performing Loans to Capital 1.38%
Non-Performing Loans to Loans 0.26%
Balance Sheet FCNB Bank
Steelville, MO
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Total Assets 206.41M
Total Deposits 183.36M
Capital and Reserves FCNB Bank
Steelville, MO
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Capital 7.57M
Leverage Ratio 7.63
Loan Loss Reserves to Loans 1.00%
Risk-Based Capital Ratio 10.58
Liquidity FCNB Bank
Steelville, MO
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Hot Money Ratio 18.74%
Liquidity Ratio 26.99%
Profitability FCNB Bank
Steelville, MO
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5-Year Return on Average Assets 0.41%
Net Income 555.00K
Net Interest Spread 3.31%
Operating Profit to Average Assets 0.55%
Overhead Efficiency Ratio 86.92%
Return on Assets 0.55%
Return on Equity 16.05%