# FCB BANKS
COLLINSVILLE, IL · FDIC certificate 33005 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $2.64B | |
| Deposits | $2.27B | |
| Loans and leases | $2.05B | |
| Total equity | $214.8M | |
| Loans / deposits | 89.36% (p57 of band) | 87.10% |
| Liquid assets / assets | 21.58% (p51 of band) | |
| Uninsured deposits / deposits | 19.72% (p17 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.60% (p48 of band) | |
| FHLB advances / assets | 0.57% | |
| Tier 1 leverage | 8.45% (p6 of band) | 10.50% |
| Unrealized securities loss / equity | -4.18% (p68 of band) | -7.75% |
| AOCI / equity | -2.87% (p2 of band) | |
| ROA (annualized) | 1.79% (p82 of band) | 1.26% |
| Net interest margin | 3.31% (p26 of band) | 3.70% |
| Efficiency ratio | 50.98% (p25 of band) | |
| Noncurrent loans | 0.76% (p64 of band) | 0.51% |
| Net charge-offs (annualized) | 0.01% (p33 of band) | |
| Reserve coverage of noncurrent | 139.69% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 88.62% (p82 of band) | |
| Auto loans | $60.1M (2.93% of loans; DQ 0.55%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 5.5% | |
| Employees | 245 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | reserve under noncurrent |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 0 |  | capital falling |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 2 | capital falling, reserve under noncurrent |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 1 |  | capital falling |
| 2016-03 | 1 |  |  |
| 2016-06 | 2 | capital falling |  |
| 2016-09 | 1 |  | capital falling |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 3 | loans exceed deposits, uninsured deposits leaving |  |
| 2018-03 | 1 |  | loans exceed deposits, uninsured deposits leaving |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | loans exceed deposits |  |
| 2018-12 | 1 | capital falling | reserve under noncurrent, loans exceed deposits |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | NIM <2.5% |  |
| 2021-06 | 1 |  | capital falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | NIM <2.5% |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | AOCI drag >20% of equity |  |
| 2022-12 | 0 |  | AOCI drag >20% of equity |
| 2023-03 | 2 | capital falling, NIM <2.5% |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | capital falling |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 | capital falling | NIM <2.5% |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | capital falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | capital falling |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | capital falling |
| 2026-06 | 0 |  |  |

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

- 2019-01-11 [First Collinsville Bank to acquire former Shop ‘n Save. Here’s what you need to know. - Belleville News-Democrat](https://news.google.com/rss/articles/CBMiY0FVX3lxTE13VHJGd3BWWDl6RFRxc0htZl85dk90bGJHYll1clJLcmFqSkVLNDJ5S1NZRDB1emVySWMxV2pPTjJuN0I1dXMwQWlYc3F0S3REMnNJR0IxS0dnMkdXeEllQjNsY9IBY0FVX3lxTE9MblFiRmhXQVlTSDdXQU5aNFJRYnhXd0ZWSkROUUh4bTJPNjg1NGs0dUxaR1U5d05IWGNFUnBERDlRMGlXY0o4Znl1UEVteUc0R2FHUUdVUVhfWUV4dFFISHhSbw?oc=5) · Belleville News-Democrat
- 2023-12-28 [FCB Banks (IL) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMiekFVX3lxTE9DSE9GU1BxTzhQUThRZC1EMFo1RE5zUUc0NFhEOUhBTlIwb1h6SE5Ga3gzdklkZUZBY1NuS2g4NklpTHBnMkthZ19XZEhYcEh5S2NjYUhxWXpzSUgtMHZ6eGw0S0RhcTFXMnh1NnlJWDFYc1lzR2h0V1Fn?oc=5) · SmartAsset
- 2019-04-06 [Ameren Illinois completes new headquarters in Collinsville; FCB Banks also plans one - Illinois Business Journal](https://news.google.com/rss/articles/CBMivgFBVV95cUxPTl9GQjIxSTZpYURGM2N5bWppal9mQ1VlYWVrQTV1bXUtZGpzemNqQ2NZZ1oxLUhLUVlIS1g2OFk0QlFsOW1IN28ySHFxaEVyN3BwRjc0U2tsRVBPMEk1OVdPYXQ5b3p0SW9raWtMdE1VT3lJeWg0aHJMWjNBOWdSaGsxNHpOUFNCdVAxVEszS1FqenRscC1weDNDeTNVazM1NHE2N2FJWXdGQUpockJWT1IyX21uMzllMzNvR0xn?oc=5) · Illinois Business Journal
- 2024-03-22 [Heaps of praise with award for one of Ed/Glen Chamber's own - Alton Telegraph](https://news.google.com/rss/articles/CBMipAFBVV95cUxPU01PVlVES2ZBeG44SE1rNXpjOFA4QkhPaUN5cUVIY2ZRY282S3c4Y0ZKeXV0NkJUY0FTdXE4ejI0M2tuZjl0MUdINFE4N3FRYmhQN2E4MWdOZEVlWXY1X3d3LUhzTWd1UVhPQTRPaU0xdkt3UWh1VVg5Uzg4aVRXTU9QWVFwMzZoZDR5S3lVQkVaRF81VkZIVmRhRnRZV19ONkVDdw?oc=5) · Alton Telegraph
- 2023-06-27 [FCB Marks 20 Years In Edwardsville - RiverBender.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxPVUpTOE4tOFVndkFUUWphLV9JWFhXbl9VcTVNcE1VekxyckcwVWN6YnA2ZTZhZ1hVX1N6WmljWEVEOU9kdU5XaHAydVUtOFpLRzl6WXVOV0JjejNjY0h2dDFsSGFpMksyYjRiRWY4ekt6ZzNpWWxFcTdnZU04eWNSNTdlcXJSTjJGV1BiX0V3?oc=5) · RiverBender.com
- 2019-06-26 [One Metro East bank acquires another, further shrinking St. Louis market - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxNSHhpc3p6OFUwSUd1V3JFVkhZMFNrVFROQnBkcWNNejBvMlEyUUE1bGFOR2RUWFZwZHRNYkdTTU53bzNnVzNQa3hNT0ZmTVdmZ3RoTUNJQXkwUndaWXdDSkhPdWpXd1JpelhhcUhlOFViMWVGSnB4czIxNmNvNVRUeUlmUV92YjhDdXlFSTBHYmpDNzZNOGpaVjhES3Vrb19ELU1j?oc=5) · The Business Journals
- 2019-01-06 [New Ameren Illinois HQ, FCB Banks operations center coming to Collinsville - Illinois Business Journal](https://news.google.com/rss/articles/CBMisAFBVV95cUxQNmxucTExUVBQZ28yNnRpMGtvSlJOR0tXRnlJUTVuSmxnVkxwdkRZOGxrZUNBUG9mZGVGaml1VkZGVmVOZHZNdHNOQWswWWh3TkZSTGxoY3ZsVndZdEdxODFPa3NPLXZsamQxRHhTc2FlTl9KTUlOS1VjZ2toRVp0aVVSYUg3STQ1ZDhxVTg1UnFYNnpUWEMwRzN2TG9rVS1ZbDhOekEwMXFuTVFTTE5xcw?oc=5) · Illinois Business Journal
- 2014-12-16 [Collinsville woman charged with three counts of bank burglary - metroindependent.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPcjdCOEdaU2tRYnplYWVIUnZGU3k3U2R4UmkzWWtMalNSN3VSeG14Yk1tZk9JVkM5aGZoTENoODRRNWRtYjZDUU5yelpIRnM1VjlhNVpKRkNxa0NQcHpvdWlIWXFBdU1NSlZDdGowMEZzNjMtMUVuRC1NUVd2d01vcC03TVU1cnJWQTdPclJkRl9pRHhBZzBCZjRjem9HLVdjcTkyc2VhWTVDRXc?oc=5) · metroindependent.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33005 (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/45.json (key "33005", 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.

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