FCNB Bank is a state-chartered bank (fed member) headquartered in Steelville, Missouri, in business for about 120 years. At the end of Q2 2026 it reported $220.4M in total assets and $196.0M in deposits, with 6 offices.
FCNB Bank has a TellerScore of 67 out of 100 (moderate) based on Q2 2026 data — higher than only 34% of its 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 129th. Loan quality contributes the most (100/100, 0.00%); capital cushion contributes the least (31/100, 8.06%).
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
From Q2 2025 to Q2 2026, the score rose 3 points (64 → 67), mostly because the funding & liquidity component weakened by 8 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 59 |
| Q3 2024 | 53 |
| Q4 2024 | 62 |
| Q1 2025 | 66 |
| Q2 2025 | 64 |
| Q3 2025 | 66 |
| Q4 2025 | 65 |
| Q1 2026 | 66 |
| Q2 2026 | 67 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 7.32% |
| Q3 2024 | 7.64% |
| Q4 2024 | 7.73% |
| Q1 2025 | 7.83% |
| Q2 2025 | 7.63% |
| Q3 2025 | 7.97% |
| Q4 2025 | 8.08% |
| Q1 2026 | 7.97% |
| Q2 2026 | 8.06% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.05% |
| Q3 2024 | 0.68% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.12% |
| Q3 2025 | 0.03% |
| Q4 2025 | 0.02% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.22% |
| Q3 2024 | 0.18% |
| Q4 2024 | 0.19% |
| Q1 2025 | 0.61% |
| Q2 2025 | 0.55% |
| Q3 2025 | 0.47% |
| Q4 2025 | 0.46% |
| Q1 2026 | 0.57% |
| Q2 2026 | 0.68% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 67 | $220.4M | 8.06% | 0.00% | 0.68% | 71.6% |
| Q1 2026 | 66 | $216.3M | 7.97% | 0.00% | 0.57% | 69.6% |
| Q4 2025 | 65 | $208.5M | 8.08% | 0.02% | 0.46% | 69.5% |
| Q3 2025 | 66 | $211.2M | 7.97% | 0.03% | 0.47% | 66.7% |
| Q2 2025 | 64 | $206.4M | 7.63% | 0.12% | 0.55% | 65.9% |
| Q1 2025 | 66 | $203.0M | 7.83% | 0.00% | 0.61% | 66.0% |
| Q4 2024 | 62 | $192.3M | 7.73% | 0.00% | 0.19% | 69.2% |
| Q3 2024 | 53 | $197.0M | 7.64% | 0.68% | 0.18% | 67.0% |
| Q2 2024 | 59 | $196.3M | 7.32% | 0.05% | 0.22% | 66.1% |
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).
Similar-size banks in Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Seymour BankBank Seymour, MO | 73 out of 100, Strong | $224.7M | 11.3% | 0.46% | vs |
| TBO BankBank Orrick, MO | 50 out of 100, Below average | $224.8M | 10.9% | 1.69% | vs |
| 1st Advantage BankBank Saint Peters, MO | 68 out of 100, Moderate | $212.0M | 9.9% | 0.14% | vs |
| The Corner Stone BankBank South West City, MO | 67 out of 100, Moderate | $211.4M | 12.2% | 1.72% | vs |
| Bank NorthwestBank Hamilton, MO | 77 out of 100, Strong | $210.3M | 9.7% | 0.16% | vs |
| St. Clair County State BankBank Osceola, MO | 87 out of 100, Very strong | $231.8M | 13.5% | 0.24% | vs |
Deposit insurance
Is my money safe at FCNB Bank?
Yes. FCNB Bank is an FDIC-insured institution (FDIC certificate #1639). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 17.6% of deposits ($34.6M) 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 8.06%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 10.94% (benchmark: 10%).
6 locations
Branches
FCNB Bank lists 6 offices in 5 cities. Most locations:
- Rolla, MO (2)
- Cuba, MO (1)
- Eureka, MO (1)
- Steelville, MO (1)
- Sullivan, MO (1)
Identity & history
Profile
- Legal name
- FCNB Bank
- Former names
- Community Bank, Steelville, Mo.; First Community National Bank; First Community National Bank of Crawford County; Bank of Leasburg
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 1639
- RSSD ID
- 619859
- Primary regulator
- FED
- Holding company
- Steelville Cmty Banc-Shares
- Established
- January 1, 1906
- Headquarters
- 402 W Main St, Steelville, MO 65565
- Website
- www.fcnb.com
- Employees
- 57
Quick answers
FCNB Bank: common questions
Is FCNB Bank FDIC insured?
Yes. FCNB Bank is an FDIC-insured institution (FDIC certificate #1639). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is FCNB Bank's TellerScore?
67 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 FCNB Bank ever failed?
There is no failure record for FDIC certificate #1639 in the FDIC failed bank list.
How many branches does FCNB Bank have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Steelville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Legends BankBank Linn, MO | 90 out of 100, Very strong | $635.5M | 18.3% | 0.51% | vs |
| The Maries County BankBank Vienna, MO | 89 out of 100, Very strong | $600.5M | 14.8% | 0.12% | vs |
| Town & Country BankBank Salem, MO | 86 out of 100, Very strong | $747.7M | 12.4% | 0.35% | vs |
| Peoples BankBank Cuba, MO | 80 out of 100, Strong | $248.7M | 11.0% | 0.23% | vs |
| Great Southern BankBank Reeds Spring, MO | 73 out of 100, Strong | $5.5B | 11.3% | 0.02% | vs |
| First State Community BankBank Farmington, MO | 73 out of 100, Strong | $4.5B | 11.7% | 1.07% | vs |