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F & C Bank
Holden, MO · FDIC Certificate #9378 · Chartered 03/2
Total assets
$481.00M
Total deposits
$420.70M
Total equity
$52.39M
Net loans
$428.01M
Branches (offices)
3
Net income (YTD)
$5.55M
Rank: #1,834 of 4,213 U.S. banks by assets · #73 of 190 in Missouri. Assets changed 11.8% and deposits 10.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.34% |
| Return on equity | 22.01% |
| Net interest margin (YTD) | 5.51% |
| Equity to assets | 10.89% |
| Tier 1 leverage ratio | 11.01% |
| Uninsured deposits (share of deposits) | 10.5% |
| Noncurrent loans (share of loans) | 0.38% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 101.7% |
| Real estate loans (share of loans) | 83.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $356.39M | 83.3% | |
| Commercial & industrial | $16.88M | 3.9% | |
| Consumer / individual | $6.70M | 1.6% | |
| Construction & development | $58.83M | 13.7% | |
| Agricultural | $52.72M | 12.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $319.62M | $287.47M | $3.11M | $30.94M |
| Jun 2023 | $338.14M | $301.91M | $3.90M | $34.55M |
| Jun 2024 | $389.44M | $322.08M | $4.51M | $38.36M |
| Jun 2025 | $430.09M | $380.26M | $4.48M | $44.52M |
| Jun 2026 | $481.00M | $420.70M | $5.55M | $52.39M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $420.70M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $420.70M.
Similar-sized banks
Sterling Federal Bank, F.S.B. ($481.61M) · American Bank And Trust Company, National Association ($480.85M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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