F & C Bank: how it compares with its peers
Against 77 MO banks with half to twice its assets, F & C Bank's strongest measure in Q2 2026 is net interest margin (5.51% vs. a 4.16% peer median). Its weakest relative measure is assets per employee ($7.8M vs. $6.8M).
| Measure | F & C Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.34% | 1.63% | Top third Ahead of 87% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.51% | 4.16% | Top third Ahead of 100% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 44.56% | 57.00% | Top third Ahead of 87% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.8M | $6.8M | Top third Ahead of 78% of peers |
| Loans to deposits Net loans and leases over total deposits. | 101.74% | 86.97% | Context |
What it means for lending operations
Its efficiency ratio of 44.56% is better than the 57.00% 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
- People's Bank of Seneca Seneca, MO · $496M
- The Missouri Bank Warrenton, MO · $461M
- UNICO Bank Mineral Point, MO · $503M
- Exchange Bank of Missouri Fayette, MO · $454M
- New Era Bank Fredericktown, MO · $453M
- The Bank of Advance Advance, MO · $510M
Questions about F & C Bank
How big is F & C Bank?
F & C Bank, established in 1881, is headquartered in Holden, MO. It reported $481M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is F & C Bank's return on assets?
2.34% annualized in Q2 2026, against a 1.63% median for 77 MO banks with half to twice its assets, ahead of 87% of them.
What is F & C Bank's efficiency ratio?
44.56% in Q2 2026: it spent about 45 cents in noninterest expense for each dollar of revenue. The peer median is 57.00%, and lower is better.
Is F & C Bank growing its loans?
Net loans grew 15.8% over the year to Q2 2026, while deposits grew 10.6%.
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.