FCNB Bank: how it compares with its peers
Against 94 MO banks with half to twice its assets, FCNB Bank's strongest measure in Q2 2026 is net interest margin (3.78% vs. a 4.04% peer median). Its weakest relative measure is efficiency ratio (81.68% vs. 59.90%).
| Measure | FCNB Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.68% | 1.34% | Bottom third Ahead of 9% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.78% | 4.04% | Bottom third Ahead of 33% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 81.68% | 59.90% | Bottom third Ahead of 5% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $3.9M | $6.2M | Bottom third Ahead of 6% of peers |
| Loans to deposits Net loans and leases over total deposits. | 71.61% | 81.52% | Context |
What it means for lending operations
Its efficiency ratio of 81.68% is above the 59.90% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The Seymour Bank Seymour, MO · $225M
- TBO Bank Orrick, MO · $225M
- 1st Advantage Bank Saint Peters, MO · $212M
- The Corner Stone Bank South West City, MO · $211M
- Bank Northwest Hamilton, MO · $210M
- St. Clair County State Bank Osceola, MO · $232M
Questions about FCNB Bank
How big is FCNB Bank?
FCNB Bank, established in 1906, is headquartered in Steelville, MO. It reported $220M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is FCNB Bank's return on assets?
0.68% annualized in Q2 2026, against a 1.34% median for 94 MO banks with half to twice its assets, ahead of 9% of them.
What is FCNB Bank's efficiency ratio?
81.68% in Q2 2026: it spent about 82 cents in noninterest expense for each dollar of revenue. The peer median is 59.90%, and lower is better.
Is FCNB Bank growing its loans?
Net loans grew 16.1% over the year to Q2 2026, while deposits grew 6.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Missouri bank ranked.