The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

The score has been essentially flat from Q2 2025 to Q2 2026 (79 → 78).

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Missouri

Yes. F & C Bank is an FDIC-insured institution (FDIC certificate #9378). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 10.5% of deposits ($44.4M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.01%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

F & C Bank lists 3 offices in 3 cities. Most locations:

• Holden, MO (1)
• Lone Jack, MO (1)
• Warrensburg, MO (1)

All branch addresses and map

In 2025, F & C Bank reported 200 home-loan applications under HMDA (LEI 254900FI70PE7HWAVD04): 183 originated ($36,205,000 total), 3 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

F & C Bank

Former names

Farmers and Commercial Bank

Type

State-chartered bank

FDIC certificate #

9378

RSSD ID

14155

Primary regulator

FDIC

Holding company

F&c Bcorp Inc

Established

March 24, 1881

Headquarters

1006 Eagle Crest Dr, Holden, MO 64040

Website

www.fandcbank.com

Employees

62