BlastPoint's Banking Scorecard
FCNB Bank
Micro
Specialty: Commercial
MO
FDIC cert 1639
Designations: ✓ Community bank
Steelville, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
FCNB Bank shows strong momentum with 1 strength and 8.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.88% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$208.5M
+8.4% YoY
-1.3% QoQ
|
-$9.0M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
53% |
| Total Loans ? |
$128.2M
+12.4% YoY
+3.5% QoQ
|
-$10.9M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
53% |
| Total Deposits ? |
$184.5M
+11.9% YoY
-0.6% QoQ
|
+$865K |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
56% |
| Return on Assets ? |
0.46%
+148.2% YoY
-1.8% QoQ
|
-0.62% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
17% |
| Net Interest Margin ? |
3.61%
+8.6% YoY
+1.2% QoQ
|
-0.24% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
39% |
| Efficiency Ratio ? |
88.44%
-8.5% YoY
+0.1% QoQ
|
+20.71% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 10% in tier |
| Delinquency Rate ? |
0.02%
-49.4% QoQ
|
-0.62% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
80% |
| Loan-to-Deposit Ratio ? |
69.49%
+0.4% YoY
+4.1% QoQ
|
-5.04% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
38% |
| Non-Interest-Bearing Deposit Share ? |
35.70%
-10.1% YoY
-2.2% QoQ
|
+13.31% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
Top 11% in tier |
| Nonperforming Asset Ratio ? |
0.03%
+68.9% QoQ
|
-0.42% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
76% |
| Tier 1 Capital Ratio ? |
10.38%
+3.0% YoY
+0.2% QoQ
|
+1.53% |
8.85%
-3.4% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
53% |
| Non-Interest Income / Assets ? |
1.44%
-0.5% YoY
+32.6% QoQ
|
+0.88% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
Top 5% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 5%
in Micro
Why this stands out
Current:
1.44%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Non-Interest Income / Assets
Current: 1.44% · Tier avg: 0.56%
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 35.70% · Tier avg: 22.39%
80
80th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.64%
76
76th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.45%
56
56th pctile
Total Deposits
Current: $184.5M · Tier avg: $183.7M
53
53th pctile
Total Assets
Current: $208.5M · Tier avg: $217.5M
53
53th pctile
Total Loans
Current: $128.2M · Tier avg: $139.2M
53
53th pctile
Tier 1 Capital Ratio
Current: 10.38% · Tier avg: 8.85%
39
39th pctile
Net Interest Margin
Current: 3.61% · Tier avg: 3.85%
38
38th pctile
Loan-to-Deposit Ratio
Current: 69.49% · Tier avg: 74.53%
17
17th pctile
Return on Assets
Current: 0.46% · Tier avg: 1.08%
10
10th pctile
Efficiency Ratio
Current: 88.44% · Tier avg: 67.73%
Top Weaknesses
10
10th pctile
Efficiency Ratio
Current: 88.44% · Tier avg: 67.73%
17
17th pctile
Return on Assets
Current: 0.46% · Tier avg: 1.08%
38
38th pctile
Loan-to-Deposit Ratio
Current: 69.49% · Tier avg: 74.53%
39
39th pctile
Net Interest Margin
Current: 3.61% · Tier avg: 3.85%
53
53th pctile
Tier 1 Capital Ratio
Current: 10.38% · Tier avg: 8.85%
53
53th pctile
Total Loans
Current: $128.2M · Tier avg: $139.2M
53
53th pctile
Total Assets
Current: $208.5M · Tier avg: $217.5M
56
56th pctile
Total Deposits
Current: $184.5M · Tier avg: $183.7M
76
76th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.45%
80
80th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.64%
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 35.70% · Tier avg: 22.39%
95
95th pctile
Non-Interest Income / Assets
Current: 1.44% · Tier avg: 0.56%