FCB Banks is a state-chartered bank headquartered in Collinsville, Illinois, in business for about 36 years. At the end of Q2 2026 it reported $2.6B in total assets and $2.3B in deposits, with 20 offices across 2 states.
FCB Banks has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 40% of its 897 banks with $1 billion – $10 billion. Among 326 banks headquartered in Illinois, it ranks 210th. Earnings contributes the most (92/100, 1.79%); capital cushion contributes the least (35/100, 8.45%).
TellerScore · Q2 2026
Scorecard
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.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (66 → 66).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 64 |
| Q3 2024 | 62 |
| Q4 2024 | 64 |
| Q1 2025 | 66 |
| Q2 2025 | 66 |
| Q3 2025 | 67 |
| Q4 2025 | 66 |
| Q1 2026 | 65 |
| Q2 2026 | 66 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.49% |
| Q3 2024 | 8.36% |
| Q4 2024 | 8.21% |
| Q1 2025 | 8.27% |
| Q2 2025 | 8.10% |
| Q3 2025 | 8.03% |
| Q4 2025 | 7.98% |
| Q1 2026 | 8.49% |
| Q2 2026 | 8.45% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.28% |
| Q3 2024 | 0.46% |
| Q4 2024 | 0.33% |
| Q1 2025 | 0.41% |
| Q2 2025 | 0.41% |
| Q3 2025 | 0.39% |
| Q4 2025 | 0.46% |
| Q1 2026 | 0.80% |
| Q2 2026 | 0.76% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.01% |
| Q3 2024 | 1.10% |
| Q4 2024 | 1.15% |
| Q1 2025 | 1.43% |
| Q2 2025 | 1.49% |
| Q3 2025 | 1.58% |
| Q4 2025 | 1.62% |
| Q1 2026 | 1.74% |
| Q2 2026 | 1.79% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 66 | $2.6B | 8.45% | 0.76% | 1.79% | 89.4% |
| Q1 2026 | 65 | $2.6B | 8.49% | 0.80% | 1.74% | 90.4% |
| Q4 2025 | 66 | $2.6B | 7.98% | 0.46% | 1.62% | 90.3% |
| Q3 2025 | 67 | $2.6B | 8.03% | 0.39% | 1.58% | 86.0% |
| Q2 2025 | 66 | $2.6B | 8.10% | 0.41% | 1.49% | 89.3% |
| Q1 2025 | 66 | $2.5B | 8.27% | 0.41% | 1.43% | 91.8% |
| Q4 2024 | 64 | $2.4B | 8.21% | 0.33% | 1.15% | 94.7% |
| Q3 2024 | 62 | $2.4B | 8.36% | 0.46% | 1.10% | 95.0% |
| Q2 2024 | 64 | $2.4B | 8.49% | 0.28% | 1.01% | 93.1% |
897 peers · $1 billion – $10 billion
How it compares with peers
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 Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Republic Bank of ChicagoBank Oak Brook, IL | 68 out of 100, Moderate | $2.6B | 12.6% | 1.27% | vs |
| INB, National AssociationBank Springfield, IL | 62 out of 100, Moderate | $2.7B | 9.4% | 1.10% | vs |
| Beverly Bank & Trust Company, National AssociationBank Chicago, IL | 71 out of 100, Strong | $2.7B | 9.9% | 0.40% | vs |
| Schaumburg Bank & Trust Company, National AssociationBank Schaumburg, IL | 73 out of 100, Strong | $2.6B | 9.4% | 0.11% | vs |
| State Bank of the Lakes, National AssociationBank Antioch, IL | 71 out of 100, Strong | $2.8B | 9.0% | 0.18% | vs |
| Lakeside BankBank Chicago, IL | 75 out of 100, Strong | $2.9B | 11.0% | 0.03% | vs |
Deposit insurance
Is my money safe at FCB Banks?
Yes. FCB Banks is an FDIC-insured institution (FDIC certificate #33005). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 19.7% of deposits ($447.6M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.45%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.27% (benchmark: 10%).
20 locations
Branches
FCB Banks lists 17 offices in 16 cities across 2 states. Most locations:
- Collinsville, IL (2)
- Albers, IL (1)
- Belleville, IL (1)
- Caseyville, IL (1)
- Columbia, IL (1)
- Edwardsville, IL (1)
- Ellisville, MO (1)
- Florissant, MO (1)
- Highland, IL (1)
- Maryville, IL (1)
- New Baden, IL (1)
- O Fallon, IL (1)
HMDA 2025
Mortgage lending
In 2025, FCB Banks reported 2,165 home-loan applications under HMDA (LEI 549300L8JRY60EOROT34): 1,716 originated ($458,460,000 total), 178 denied, and 265 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.4%, 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.
Identity & history
Profile
- Legal name
- FCB Banks
- Former names
- First Collinsville Bank
- Type
- State-chartered bank
- FDIC certificate #
- 33005
- RSSD ID
- 1459717
- Primary regulator
- FDIC
- Holding company
- First Co Bcorp Inc
- Established
- July 9, 1990
- Headquarters
- 800 Belt Line Rd, Collinsville, IL 62234
- Website
- www.fcbbanks.com
- Employees
- 245
Quick answers
FCB Banks: common questions
Is FCB Banks FDIC insured?
Yes. FCB Banks is an FDIC-insured institution (FDIC certificate #33005). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is FCB Banks's TellerScore?
66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has FCB Banks ever failed?
There is no failure record for FDIC certificate #33005 in the FDIC failed bank list.
How many branches does FCB Banks have?
20 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Collinsville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Lindell Bank & Trust CompanyBank St. Louis, MO | 92 out of 100, Very strong | $915.2M | 18.0% | 0.58% | vs |
| State Employees Community Credit UnionCredit union Alton, IL | 89 out of 100, Very strong | $6.7M | 20.0% | 0.00% | vs |
| Century Credit UnionCredit union Saint Louis, MO | 87 out of 100, Very strong | $182.0M | 17.6% | 0.37% | vs |
| Midwest Members Credit UnionCredit union Wood River, IL | 85 out of 100, Very strong | $226.6M | 13.6% | 0.44% | vs |
| Bank of O'FallonBank O'Fallon, IL | 81 out of 100, Strong | $377.5M | 13.8% | 0.69% | vs |
| Heartland Bank and Trust CompanyBank Bloomington, IL | 80 out of 100, Strong | $6.7B | 11.9% | 0.19% | vs |