# FCNB BANK
STEELVILLE, MO · FDIC certificate 1639 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $220.4M | |
| Deposits | $196.0M | |
| Loans and leases | $141.8M | |
| Total equity | $11.0M | |
| Loans / deposits | 71.61% (p47 of band) | 73.59% |
| Liquid assets / assets | 27.75% (p38 of band) | |
| Uninsured deposits / deposits | 17.64% (p42 of band) | 19.81% |
| Brokered deposits | 7.12% | |
| Wholesale funding | 12.79% (p88 of band) | |
| FHLB advances / assets | 5.67% | |
| Tier 1 leverage | 8.06% (p3 of band) | 11.76% |
| Unrealized securities loss / equity | -61.30% (p4 of band) | -6.57% |
| AOCI / equity | -0.32% (p53 of band) | |
| ROA (annualized) | 0.68% (p24 of band) | 1.17% |
| Net interest margin | 3.78% (p42 of band) | 3.93% |
| Efficiency ratio | 81.68% (p81 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.12% (p89 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 79% | |
| Construction % of loans | 80.79% (p90 of band) | |
| Auto loans | $3.1M (2.22% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.9% | |
| Employees | 57 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | wholesale funding >15% |  |
| 2011-12 | 0 |  | wholesale funding >15% |
| 2012-03 | 1 | uninsured deposits leaving |  |
| 2012-06 | 0 |  | uninsured deposits leaving |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | wholesale funding >15% |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | charge-offs p90 |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 3 | reserve under noncurrent |  |
| 2014-09 | 4 | capital falling |  |
| 2014-12 | 1 |  | wholesale funding >15%, reserve under noncurrent, capital falling |
| 2015-03 | 1 |  |  |
| 2015-06 | 4 | capital falling, losing money, reserve under noncurrent |  |
| 2015-09 | 4 |  |  |
| 2015-12 | 7 | noncurrent p90, assets shrinking, uninsured deposits leaving |  |
| 2016-03 | 5 | deposits shrinking | charge-offs p90, capital falling, losing money |
| 2016-06 | 8 | losing money, expense ratio p90, charge-offs p90 |  |
| 2016-09 | 9 | capital falling |  |
| 2016-12 | 8 |  | capital falling |
| 2017-03 | 6 |  | uninsured deposits leaving, deposits shrinking |
| 2017-06 | 8 | deposits shrinking, uninsured deposits leaving |  |
| 2017-09 | 8 |  |  |
| 2017-12 | 8 |  |  |
| 2018-03 | 6 |  | reserve under noncurrent, noncurrent p90 |
| 2018-06 | 4 |  | charge-offs p90, uninsured deposits leaving |
| 2018-09 | 6 | noncurrent p90, uninsured deposits leaving |  |
| 2018-12 | 5 |  | noncurrent p90 |
| 2019-03 | 6 | noncurrent p90, charge-offs p90 | losing money |
| 2019-06 | 4 |  | noncurrent p90, charge-offs p90 |
| 2019-09 | 1 |  | assets shrinking, deposits shrinking, uninsured deposits leaving |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | expense ratio p90 |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 1 | expense ratio p90 |  |
| 2021-12 | 3 | capital falling, uninsured deposits leaving |  |
| 2022-03 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | expense ratio p90, capital falling, uninsured deposits leaving |
| 2022-06 | 3 | construction >100% equity |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 4 | uninsured deposits leaving |  |
| 2023-03 | 3 | wholesale funding >15% | AOCI drag >20% of equity, uninsured deposits leaving |
| 2023-06 | 3 |  |  |
| 2023-09 | 6 | leverage <7%, capital falling, AOCI drag >20% of equity |  |
| 2023-12 | 3 |  | leverage <7%, capital falling, AOCI drag >20% of equity |
| 2024-03 | 4 | leverage <7% |  |
| 2024-06 | 3 |  | leverage <7% |
| 2024-09 | 2 |  | construction >100% equity |
| 2024-12 | 2 | construction >100% equity | wholesale funding >15% |
| 2025-03 | 2 | wholesale funding >15% | construction >100% equity |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | wholesale funding >15% |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-01-16 [Family-owned FCNB Bank custom fit for local customers - myleaderpaper.com](https://news.google.com/rss/articles/CBMi9AFBVV95cUxOQTFMM1hjZWo1MmtVQ0xhTjU3UU5TeTAweHJNNEYwWjNpZFNBUWhvRXBRMkl5LUJZSGdNUTNCMDVDU0FYdXFDZHZtT0kxOWNQaExKNXo5ZXRIUFVKb2VnMUV2djV1WmRJYXpXWXVxUUZwSXN1aDA0THpoNFlDcnFEMkVpajRqa2tMcF9xWFg1YUtOc05JRkRtOFV3MTF4eGFVSXp5dkd5bV91Y1JyNUo2MU10Nm05Y3N1X0g2U19qQU9QaXFsRkI2ZmVvcFhOOUM3dm1JX21rSFlBeC1oMV9xek5FYWlCSGFhVzZkNlBqVHNaMFFU?oc=5) · myleaderpaper.com
- 2025-10-07 [Samantha West graduates from MBA’s Banking Leadership Missouri program - Three Rivers Publishing](https://news.google.com/rss/articles/CBMivwFBVV95cUxNekJlX2RfVDU4MFF4d0F6QmpYcnJ3cWdDY0JfQkM0X3FmZGptYldIb0R2NDNNS1d5WkR2cV82NWJ6RmE5amZMWVlSbHRsUTdFeUUxajA2ZFJBR2ptNFZsdFpYajlOVzRyNTRrWXVacG1GREdnTl9Pdk83WFplSmc4QldWTGFSQ2hscklycmxnNVlCcWZWLTdjUWV1aXd1SXFpQmtoUlZ4WVU3aFZHdEpObzFsRTJUS21pRGl2YlFSNA?oc=5) · Three Rivers Publishing
- 2024-01-29 [Potosi Trojans Finding Their Stride - My Mo Info](https://news.google.com/rss/articles/CBMibkFVX3lxTFBpb2tYZHhrYVd5ZkxkNEo1ZTh4SkRWUU5pQXRydVZFZVhULTFpYS10eVlBRHJoNUlDeDBJZWhIUGwyU3RneWNjTUdMSEs4SFFPelo0OXJtNkIxdm5Pbm5vT0RfdzRSSU42b19oSWRR?oc=5) · My Mo Info
- 2025-12-03 [Potosi boys and girls begin tournaments with victories - Park Hills Daily Journal](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPYmh1ZXdIenpaN2JldVQ2X3hlU2dKblhmcEtvTWZ0S1hVVkFEUkxnLWcwRzktSTZjVVBIOFBfSDNrM0IxU1JCVU1fMWlKUjBQU0VNbjhPZ2NhSWw4emdTMl9pTTZvb0RHalFTdkRSR3B5TFdvb1NlRTd1aThMVDhqV1hzOE1fTWs3bjdVWU80Tkpqb2toLU44N3I2a3FwdVZTbjJPRzI5eWQ?oc=5) · Park Hills Daily Journal
- 2025-12-15 [Salem drops pair to other local Tigers - thesalemnewsonline.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQcko3RTJSZFphallRY3d0bThHQWRCNXhhUURlNmhlM0Z0alhmVUh5c3NaRnVTLV9yV2l3NUpxNll3WlZGLTRqbEEyUXZ2WjRDd3d6RG9aVmhUYk9wc2xEYWZteTdvN1FSMkJhb2hyOG81LWZjaTlyeWtZQUFWZnNwWm1yMEF3Smc2?oc=5) · thesalemnewsonline.com
- 2025-09-10 [Hurd crowned 2025 Steelville Harvest Festival Queen - Three Rivers Publishing](https://news.google.com/rss/articles/CBMipwFBVV95cUxQUGFfZ2xMd2gtT0s2N3lKUFZTQkFWMUQzLXRzbHoxYjZuZ3NGbF9nVEdzUWozdVdJSldWXzlwbkE3TDdMam0xWlBjSkw2SXM4bGMtMi1BQUFERUh1N3liSnN6dUZtN2J0d3c3bHpNb1hFRjRZUDZuNUR3TjFfNWFXaEZidUwtbDJxUUR5Mi1ld0lDbC0xRWNrMlRXV3ZrS3U5N0plMU9qcw?oc=5) · Three Rivers Publishing
- 2018-11-28 [BASKETBALL: Tiger boys drop season-opener, 56-52 - phelpscountyfocus](https://news.google.com/rss/articles/CBMikgFBVV95cUxQdnRSSFpCdlJ4X3VZR3Awd1pIeFUweldlN3h1aW1vYW5FSXVNZDdlWHdWRlhpVkVqS2l4c1YyaW5CQUxtdFlKa2pGVzc2YjVGdDVuRmNJWHZBU003YXlTUkQ2SWVkVU9vNk1vdUY2OFhsRGtaclFBQnVHR05oMGpFUkRBZGpITXJRQVFOZVZlUW4yQQ?oc=5) · phelpscountyfocus
- 2024-05-15 [Sullivan Names New Head Boys Basketball Coach - Sullivan Independent News |](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQUUp3bzRKSmdGUlJleHp3SHZwcTR0UjA1c2o5SEtqTFh0d0pkNkppUTI5ZDBUTXg2U2NDV1V0OXNaUTBodlNsb0tXbkVVOEI5UEQxcXU0cm0ycEJHc096MzhPT2ltWFdYYm1BZGw4UUpleVpIaW0ycmJpMHFvUWlXeHU3WktUMVhOS0ow?oc=5) · Sullivan Independent News |

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1639 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/39.json (key "1639", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide