Fcnb Bank (FDIC #1639): Bank Stress & Real-Estate Credit Exposure

Fcnb Bank (FDIC Cert #1639): bank stress 88/100, severe, STABLE over 7 days; parent STEELVILLE CMTY BANC-SHARES.

Fcnb Bank (#1639) lends in 4 counties across 1 state; Fcnb Bank (#1639) reaches 88 ZIP codes: Missouri 4 counties, 88 ZIPs.

Fcnb Bank (#1639) largest markets: St. Louis County, MO (47 branches, 47 ZIPs) (#1639), Franklin County, MO (23 branches, 23 ZIPs) (#1639), Crawford County, MO (26 branches, 13 ZIPs) (#1639), Phelps County, MO (24 branches, 12 ZIPs) (#1639).

Fcnb Bank (#1639) reports $220.4 million in total assets; Fcnb Bank (#1639) equity $11.0 million (5.0% of Fcnb Bank (#1639) assets); Fcnb Bank (#1639) domestic deposits $196.0 million; Fcnb Bank (#1639) net income $726,000; Fcnb Bank (#1639) return on assets 0.68%; Fcnb Bank (#1639) return on equity 13.67%; Fcnb Bank (#1639) net interest income $3.6 million; Fcnb Bank (#1639) call report June 30, 2026.

Fcnb Bank (#1639) noncurrent real-estate loans: none reported; Fcnb Bank (#1639) net charge-offs on real estate 0.00%.

Fcnb Bank (#1639) net interest margin 3.78% against an eight-quarter Fcnb Bank (#1639) average of 3.52% (Fcnb Bank (#1639) compression -0.26 points); Fcnb Bank (#1639) rate-exposure score 40/100, Fcnb Bank (#1639) fixed-rate trap 40/100; Fcnb Bank (#1639) risk type credit driven; Fcnb Bank (#1639) rate regime rates elevated, Fcnb Bank (#1639) snapshot October 19, 2026.

Fcnb Bank (#1639) stress score moved from 88.9 on June 22, 2026 to 87.7 on October 19, 2026; Fcnb Bank (#1639) ranged 87.7 to 88.9 over 116 snapshots.

Fcnb Bank (#1639) alerts: 4 counties; top Fcnb Bank (#1639) alert scores: Eureka County, MO 29 (low); Rolla County, MO 29 (low); Steelville County, MO 29 (low); Sullivan County, MO 29 (low).