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Fcb Banks
Collinsville, IL · FDIC Certificate #33005 · Chartered 07/0
Total assets
$2.64B
Total deposits
$2.27B
Total equity
$214.82M
Net loans
$2.03B
Branches (offices)
20
Net income (YTD)
$23.43M
Rank: #481 of 4,213 U.S. banks by assets · #31 of 322 in Illinois. Assets changed 1.6% and deposits 5.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.79% |
| Return on equity | 21.98% |
| Net interest margin (YTD) | 3.31% |
| Equity to assets | 8.13% |
| Tier 1 leverage ratio | 8.45% |
| Uninsured deposits (share of deposits) | 19.7% |
| Noncurrent loans (share of loans) | 0.76% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 89.4% |
| Real estate loans (share of loans) | 93.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.89B | 93.4% | |
| Commercial & industrial | $68.45M | 3.4% | |
| Consumer / individual | $72.17M | 3.6% | |
| Construction & development | $190.37M | 9.4% | |
| Agricultural | $5.46M | 0.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.09B | $1.86B | $10.99M | $154.26M |
| Jun 2023 | $2.25B | $1.86B | $9.13M | $159.10M |
| Jun 2024 | $2.38B | $1.96B | $11.48M | $180.96M |
| Jun 2025 | $2.60B | $2.15B | $18.75M | $200.73M |
| Jun 2026 | $2.64B | $2.27B | $23.43M | $214.82M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $2.09B | 17 |
| Missouri | $181.87M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.27B.
Similar-sized banks
Avidbank ($2.65B) · One Community Bank ($2.63B)
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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