BlastPoint's Banking Scorecard
FCB Banks
Community
Specialty: Commercial
IL
FDIC cert 33005
Collinsville, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
FCB Banks has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 33% in Community
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 19% in Community
- - Credit Risk Growth: Bottom 27% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.6B
+6.2% YoY
-0.6% QoQ
|
+$1.2B |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Top 13% in tier |
| Total Loans ? |
$2.0B
+5.9% YoY
+3.6% QoQ
|
+$1.0B |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Top 11% in tier |
| Total Deposits ? |
$2.2B
+11.1% YoY
-1.3% QoQ
|
+$1.0B |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Top 13% in tier |
| Return on Assets ? |
1.62%
+40.6% YoY
+2.3% QoQ
|
+0.45% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
79% |
| Net Interest Margin ? |
3.13%
+19.1% YoY
+3.3% QoQ
|
-0.54% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
22% |
| Efficiency Ratio ? |
52.52%
-12.6% YoY
-1.1% QoQ
|
-10.11% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
79% |
| Delinquency Rate ? |
0.46%
+36.5% YoY
+15.4% QoQ
|
-0.17% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
49% |
| Loan-to-Deposit Ratio ? |
90.26%
-4.7% YoY
+4.9% QoQ
|
+7.20% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
66% |
| Non-Interest-Bearing Deposit Share ? |
13.55%
-1.1% YoY
+2.0% QoQ
|
-7.50% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
20% |
| Nonperforming Asset Ratio ? |
0.36%
+37.0% YoY
+20.3% QoQ
|
-0.14% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
49% |
| Tier 1 Capital Ratio ? |
12.25%
+3.8% YoY
-0.9% QoQ
|
+2.01% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
50% |
| Non-Interest Income / Assets ? |
0.54%
+1.8% YoY
+34.9% QoQ
|
-0.20% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
53% |
Signature Analysis
Strengths (1)
Profitability Leader
growth
#123 of 371 · Top 33% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.62%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Concerns (2)
Liquidity Strain
risk
#98 of 513 · Bottom 19% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
90.26%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
Credit Risk Growth
risk
#173 of 642 · Bottom 27% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
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
89
89th pctile
Total Loans
Current: $2.0B · Tier avg: $975.5M
87
87th pctile
Total Deposits
Current: $2.2B · Tier avg: $1.2B
87
87th pctile
Total Assets
Current: $2.6B · Tier avg: $1.4B
79
79th pctile
Return on Assets
Current: 1.62% · Tier avg: 1.16%
79
79th pctile
Efficiency Ratio
Current: 52.52% · Tier avg: 62.63%
66
66th pctile
Loan-to-Deposit Ratio
Current: 90.26% · Tier avg: 83.06%
53
53th pctile
Non-Interest Income / Assets
Current: 0.54% · Tier avg: 0.74%
50
50th pctile
Tier 1 Capital Ratio
Current: 12.25% · Tier avg: 10.24%
49
49th pctile
Nonperforming Asset Ratio
Current: 0.36% · Tier avg: 0.50%
49
49th pctile
Delinquency Rate
Current: 0.46% · Tier avg: 0.63%
22
22th pctile
Net Interest Margin
Current: 3.13% · Tier avg: 3.66%
20
20th pctile
Non-Interest-Bearing Deposit Share
Current: 13.55% · Tier avg: 21.05%
Top Weaknesses
20
20th pctile
Non-Interest-Bearing Deposit Share
Current: 13.55% · Tier avg: 21.05%
22
22th pctile
Net Interest Margin
Current: 3.13% · Tier avg: 3.66%
49
49th pctile
Delinquency Rate
Current: 0.46% · Tier avg: 0.63%
49
49th pctile
Nonperforming Asset Ratio
Current: 0.36% · Tier avg: 0.50%
50
50th pctile
Tier 1 Capital Ratio
Current: 12.25% · Tier avg: 10.24%
53
53th pctile
Non-Interest Income / Assets
Current: 0.54% · Tier avg: 0.74%
66
66th pctile
Loan-to-Deposit Ratio
Current: 90.26% · Tier avg: 83.06%
79
79th pctile
Efficiency Ratio
Current: 52.52% · Tier avg: 62.63%
79
79th pctile
Return on Assets
Current: 1.62% · Tier avg: 1.16%
87
87th pctile
Total Assets
Current: $2.6B · Tier avg: $1.4B
87
87th pctile
Total Deposits
Current: $2.2B · Tier avg: $1.2B
89
89th pctile
Total Loans
Current: $2.0B · Tier avg: $975.5M