TellerScore

FCN Bank, National Association (FDIC certificate #4319) is based in Brookville, Indiana. Its Q2 2026 call report shows $812.5M in total assets and $706.5M in deposits and 6 offices across 2 states.

FCN Bank, National Association has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than 53% of its 2,650 banks with $100 million – $1 billion. Among 88 banks headquartered in Indiana, it ranks 23rd. Problem-loan coverage contributes the most (100/100, 0.1%); capital cushion contributes the least (49/100, 9.92%).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Tier 1 leverage ratio: 9.92%
Loan quality99/100
Noncurrent loans ÷ total loans: 0.02%
Earnings63/100
Return on assets (annualized): 1.06%
Funding & liquidity72/100
Loans ÷ deposits and uninsured-deposit share: 77.5% · 24.5% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.12%

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

From Q2 2025 to Q2 2026, the score rose 2 points (71 → 73), mostly because the earnings component improved by 13 points.

TellerScore
667073Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202467
Q4 202468
Q1 202570
Q2 202571
Q3 202571
Q4 202571
Q1 202673
Q2 202673
Tier 1 leverage ratio
5.00%7.46%9.92%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.31%
Q3 20249.10%
Q4 20249.09%
Q1 20259.50%
Q2 20259.71%
Q3 20259.84%
Q4 20259.82%
Q1 20269.88%
Q2 20269.92%
Noncurrent loans
0.00%0.01%0.03%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.03%
Q3 20240.02%
Q4 20240.00%
Q1 20250.00%
Q2 20250.02%
Q3 20250.02%
Q4 20250.02%
Q1 20260.02%
Q2 20260.02%
Return on assets
0.40%0.73%1.06%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.40%
Q3 20240.46%
Q4 20240.53%
Q1 20250.65%
Q2 20250.75%
Q3 20250.77%
Q4 20250.81%
Q1 20260.97%
Q2 20261.06%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$812.5M9.92%0.02%1.06%77.5%
Q1 202673$797.6M9.88%0.02%0.97%74.7%
Q4 202571$792.7M9.82%0.02%0.81%74.0%
Q3 202571$774.9M9.84%0.02%0.77%72.9%
Q2 202571$776.8M9.71%0.02%0.75%70.8%
Q1 202570$778.3M9.50%0.00%0.65%68.9%
Q4 202468$794.6M9.09%0.00%0.53%68.3%
Q3 202467$836.4M9.10%0.02%0.46%64.3%
Q2 202466$789.6M9.31%0.03%0.40%67.6%

2,650 peers · $100 million – $1 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).

Capital ratio9.92%
29th
Total risk-based capital15.18%
69th
Problem loans0.02%
84th
Net charge-offs-0.02%
91st
Return on assets1.06%
38th
Net interest margin3.19%
16th
Efficiency ratio63.0%
48th
Loans to deposits77.5%
55th
Uninsured deposits24.5%
48th
Loan-loss reserves1.15%
45th
Texas ratio0.1%
85th

Similar-size banks in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
The New Washington State BankBank New Washington, IN60 out of 100, Moderate$798.1M9.3%0.83%vs
First State Bank of MiddleburyBank Middlebury, IN67 out of 100, Moderate$836.2M13.4%1.55%vs
The Fountain Trust CompanyBank Covington, IN69 out of 100, Moderate$844.6M10.0%0.63%vs
The North Salem State BankBank North Salem, IN64 out of 100, Moderate$769.6M9.0%0.67%vs
Citizens State Bank of New Castle, IndianaBank New Castle, IN70 out of 100, Strong$908.8M10.5%0.40%vs
State BankBank Brownsburg, IN71 out of 100, Strong$916.1M11.9%0.13%vs

Deposit insurance

Is my money safe at FCN Bank, National Association?

Yes. FCN Bank, National Association is an FDIC-insured institution (FDIC certificate #4319). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 24.5% of deposits ($172.8M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.92%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.18% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

FCN Bank, National Association lists 6 offices in 6 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, FCN Bank, National Association reported 280 home-loan applications under HMDA (LEI 549300XYOAX0LV89BL94): 243 originated ($59,075,000 total), 15 denied, and 19 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.7%, 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
FCN Bank, National Association
Former names
The Franklin County National Bank of Brookville
Type
National bank
FDIC certificate #
4319
RSSD ID
321947
Primary regulator
OCC
Holding company
Fcn Banc Corp
Established
January 1, 1900
Headquarters
501 Main St, Brookville, IN 47012
Employees
120

Quick answers

FCN Bank, National Association: common questions

Is FCN Bank, National Association FDIC insured?

Yes. FCN Bank, National Association is an FDIC-insured institution (FDIC certificate #4319). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is FCN Bank, National Association's TellerScore?

73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has FCN Bank, National Association ever failed?

There is no failure record for FDIC certificate #4319 in the FDIC failed bank list.

How many branches does FCN Bank, National Association have?

6 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Brookville

InstitutionScoreAssetsCapitalProblem loansCompare
Health Care Professionals Federal Credit UnionCredit union Richmond, IN96 out of 100, Very strong$41.6M18.6%0.00%vs
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St. James Parish Credit UnionCredit union Cincinnati, OH90 out of 100, Very strong$5.9M21.8%0.00%vs
Wayne County Federal Credit UnionCredit union Richmond, IN89 out of 100, Very strong$13.5M14.3%0.00%vs
The Harrison Building and Loan AssociationBank Harrison, OH86 out of 100, Very strong$268.0M17.6%0.39%vs
The Cincinnatus Savings & Loan Co.Bank Cincinnati, OH84 out of 100, Strong$193.1M15.3%0.26%vs