Fcn Bank National Assn (FDIC #4319): Bank Stress & Real-Estate Credit Exposure
Fcn Bank National Assn (FDIC Cert #4319): bank stress 76/100, severe, STABLE over 7 days; parent FCN BANC CORP.
Fcn Bank National Assn (#4319) lends in 5 counties across 2 states; Fcn Bank National Assn (#4319) reaches 92 ZIP codes: Indiana 4 counties, 34 ZIPs; Ohio 1 county, 58 ZIPs.
Fcn Bank National Assn (#4319) largest markets: Hamilton County, OH (58 branches, 58 ZIPs) (#4319), Franklin County, IN (30 branches, 15 ZIPs) (#4319), Ripley County, IN (14 branches, 14 ZIPs) (#4319), Dearborn County, IN (9 branches, 9 ZIPs) (#4319), Fayette County, IN (8 branches, 8 ZIPs) (#4319).
Fcn Bank National Assn (#4319) reports $812.5 million in total assets; Fcn Bank National Assn (#4319) equity $65.4 million (8.1% of Fcn Bank National Assn (#4319) assets); Fcn Bank National Assn (#4319) domestic deposits $706.5 million; Fcn Bank National Assn (#4319) net income $4.3 million; Fcn Bank National Assn (#4319) return on assets 1.06%; Fcn Bank National Assn (#4319) return on equity 13.48%; Fcn Bank National Assn (#4319) net interest income $11.9 million; Fcn Bank National Assn (#4319) call report June 30, 2026.
Fcn Bank National Assn (#4319) noncurrent real-estate loans: none reported; Fcn Bank National Assn (#4319) net charge-offs on real estate 0.02%.
Fcn Bank National Assn (#4319) net interest margin 3.19% against an eight-quarter Fcn Bank National Assn (#4319) average of 2.75% (Fcn Bank National Assn (#4319) compression -0.44 points); Fcn Bank National Assn (#4319) rate-exposure score 40/100, Fcn Bank National Assn (#4319) fixed-rate trap 40/100; Fcn Bank National Assn (#4319) risk type credit driven; Fcn Bank National Assn (#4319) rate regime rates elevated, Fcn Bank National Assn (#4319) snapshot October 19, 2026.
Fcn Bank National Assn (#4319) stress score moved from 77.9 on June 22, 2026 to 76.2 on October 19, 2026; Fcn Bank National Assn (#4319) ranged 76.2 to 77.9 over 116 snapshots.
Fcn Bank National Assn (#4319) alerts: 5 counties; top Fcn Bank National Assn (#4319) alert scores: Harrison County, IN 44 (moderate); Brookville County, IN 26 (low); Connersville County, IN 26 (low); Lawrenceburg County, IN 26 (low); Sunman County, IN 26 (low).