FCN Bank, National Association: how it compares with its peers
Against 34 IN banks with half to twice its assets, FCN Bank, National Association's strongest measure in Q2 2026 is assets per employee ($6.8M vs. a $6.3M peer median). Its weakest relative measure is net interest margin (3.19% vs. 3.76%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.06% | 1.11% | Middle third Ahead of 44% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.19% | 3.76% | Bottom third Ahead of 9% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 63.03% | 63.98% | Middle third Ahead of 56% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.8M | $6.3M | Middle third Ahead of 62% of peers |
| Loans to deposits Net loans and leases over total deposits. | 77.49% | 81.23% | Context |
What it means for lending operations
Its efficiency ratio of 63.03% is better than the 63.98% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The New Washington State Bank New Washington, IN · $798M
- First State Bank of Middlebury Middlebury, IN · $836M
- The Fountain Trust Company Covington, IN · $845M
- The North Salem State Bank North Salem, IN · $770M
- Citizens State Bank of New Castle, Indiana New Castle, IN · $909M
- State Bank Brownsburg, IN · $916M
Questions about FCN Bank, National Association
How big is FCN Bank, National Association?
FCN Bank, National Association, established in 1900, is headquartered in Brookville, IN. It reported $812M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is FCN Bank, National Association's return on assets?
1.06% annualized in Q2 2026, against a 1.11% median for 34 IN banks with half to twice its assets, ahead of 44% of them.
What is FCN Bank, National Association's efficiency ratio?
63.03% in Q2 2026: it spent about 63 cents in noninterest expense for each dollar of revenue. The peer median is 63.98%, and lower is better.
Is FCN Bank, National Association growing its loans?
Net loans grew 11.4% over the year to Q2 2026, while deposits grew 1.8%.
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 IN 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 Indiana bank ranked.