BlastPoint's Banking Scorecard
FCN Bank, National Association
Community
Specialty: Commercial
IN
FDIC cert 4319
Brookville, IN
1484
banks in Community tier nationally
29 in IN
View Community leaderboard (IN) →
FCN Bank, National Association has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 34% in Community
- + Nonperforming Asset Ratio 0.48% below tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 3% in Community
- - Credit Risk Growth: Bottom 12% in Community
- - Flatlined Growth: Bottom 21% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$792.7M
-0.2% YoY
+2.3% QoQ
|
-$598.8M |
$1.4B
+2.0% YoY
|
$2.4B
+12.3% YoY
|
$5.9B
+6.5% YoY
|
35% |
| Total Loans ? |
$505.5M
+4.6% YoY
+2.5% QoQ
|
-$470.0M |
$975.5M
+2.4% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
32% |
| Total Deposits ? |
$683.4M
-3.5% YoY
+1.1% QoQ
|
-$481.2M |
$1.2B
+1.7% YoY
|
$1.9B
+12.7% YoY
|
$4.7B
+6.3% YoY
|
37% |
| Return on Assets ? |
0.81%
+51.8% YoY
+5.4% QoQ
|
-0.36% |
1.16%
+17.2% YoY
|
1.01%
+19.7% YoY
|
1.12%
+15.6% YoY
|
25% |
| Net Interest Margin ? |
2.88%
+23.7% YoY
+1.8% QoQ
|
-0.79% |
3.66%
+9.1% YoY
|
3.50%
+10.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 13% in tier |
| Efficiency Ratio ? |
70.69%
-9.8% YoY
-2.0% QoQ
|
+8.05% |
62.63%
-5.3% YoY
|
67.50%
-4.6% YoY
|
65.09%
-5.1% YoY
|
25% |
| Delinquency Rate ? |
0.02%
-3.3% QoQ
|
-0.61% |
0.63%
+18.3% YoY
|
0.77%
+9.8% YoY
|
0.66%
+20.3% YoY
|
Top 8% in tier |
| Loan-to-Deposit Ratio ? |
73.97%
+8.4% YoY
+1.4% QoQ
|
-9.09% |
83.06%
+0.3% YoY
|
82.11%
+1.7% YoY
|
78.04%
+0.7% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
21.99%
+10.1% YoY
+1.0% QoQ
|
+0.94% |
21.05%
-0.9% YoY
|
16.86%
-1.9% YoY
|
21.79%
-1.3% YoY
|
59% |
| Nonperforming Asset Ratio ? |
0.01%
-3.1% QoQ
|
-0.48% |
0.50%
+20.3% YoY
|
0.58%
+19.3% YoY
|
0.48%
+20.8% YoY
|
Top 8% in tier |
| Tier 1 Capital Ratio ? |
14.14%
+3.3% YoY
+0.1% QoQ
|
+3.90% |
10.24%
-0.6% YoY
|
9.17%
+0.4% YoY
|
9.75%
-1.9% YoY
|
70% |
| Non-Interest Income / Assets ? |
0.42%
+0.5% YoY
+32.5% QoQ
|
-0.32% |
0.74%
-1.3% YoY
|
0.62%
-11.1% YoY
|
0.65%
+0.6% YoY
|
37% |
Signature Analysis
Strengths (2)
Credit Quality Leader
growth
#126 of 371 · Top 34% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.02%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Nonperforming Asset Ratio
metric
Top 8%
in Community
Why this stands out
Current:
0.01%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (3)
Credit Quality Pressure
risk
#23 of 808 · Bottom 3% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.02%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank declining
Credit Risk Growth
risk
#81 of 642 · Bottom 12% 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
|
QoQ rank declining
Flatlined Growth
risk
#52 of 245 · Bottom 21% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.81%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 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
92
92th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%
92
92th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.63%
74
74th pctile
Loan-to-Deposit Ratio
Current: 73.97% · Tier avg: 83.06%
70
70th pctile
Tier 1 Capital Ratio
Current: 14.14% · Tier avg: 10.24%
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 21.99% · Tier avg: 21.05%
37
37th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.74%
37
37th pctile
Total Deposits
Current: $683.4M · Tier avg: $1.2B
35
35th pctile
Total Assets
Current: $792.7M · Tier avg: $1.4B
32
32th pctile
Total Loans
Current: $505.5M · Tier avg: $975.5M
25
25th pctile
Efficiency Ratio
Current: 70.69% · Tier avg: 62.63%
25
25th pctile
Return on Assets
Current: 0.81% · Tier avg: 1.16%
13
13th pctile
Net Interest Margin
Current: 2.88% · Tier avg: 3.66%
Top Weaknesses
13
13th pctile
Net Interest Margin
Current: 2.88% · Tier avg: 3.66%
25
25th pctile
Return on Assets
Current: 0.81% · Tier avg: 1.16%
25
25th pctile
Efficiency Ratio
Current: 70.69% · Tier avg: 62.63%
32
32th pctile
Total Loans
Current: $505.5M · Tier avg: $975.5M
35
35th pctile
Total Assets
Current: $792.7M · Tier avg: $1.4B
37
37th pctile
Total Deposits
Current: $683.4M · Tier avg: $1.2B
37
37th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.74%
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 21.99% · Tier avg: 21.05%
70
70th pctile
Tier 1 Capital Ratio
Current: 14.14% · Tier avg: 10.24%
74
74th pctile
Loan-to-Deposit Ratio
Current: 73.97% · Tier avg: 83.06%
92
92th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.63%
92
92th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%