BlastPoint's Banking Scorecard

FCNB Bank

$100M-$1B Specialty: Commercial MO FDIC cert 1639

Steelville, MO

6 branches across MO

2664 banks in the $100M-$1B peer group nationally 143 in MO

FCNB Bank has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 34.5% in tier
+ Revenue Diversifier: Top 39.5% in tier
+ Non-Interest-Bearing Deposit Share 13.34% above tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 30.2% in tier
- ROA 0.70% below tier average
- Net Interest Margin 0.24% below tier average

Get updates when FCNB Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$216.3M +6.5% YoY +3.8% QoQ	-$169.8M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	30%
Total Loans ?	$133.9M +12.5% YoY +4.4% QoQ	-$121.8M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	30%
Total Deposits ?	$192.3M +6.6% YoY +4.2% QoQ	-$135.7M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	32%
Return on Assets ?	0.57% -7.2% YoY +21.8% QoQ	-0.70%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	Bottom 15.0% in tier
Net Interest Margin ?	3.69% +8.9% YoY +2.4% QoQ	-0.24%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	40%
Efficiency Ratio ?	85.70% +0.1% YoY -3.1% QoQ	+20.41%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	Bottom 9.8% in tier
Delinquency Rate ?	0.00% -100.0% QoQ	-0.89%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	69.64% +5.5% YoY +0.2% QoQ	-7.00%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	68%
Non-Interest-Bearing Deposit Share ?	35.36% -4.5% YoY -0.9% QoQ	+13.34%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	Top 9.5% in tier
Nonperforming Asset Ratio ?	0.02% -33.9% QoQ	-0.62%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	83%
Tier 1 Capital Ratio ?	10.22% +4.0% YoY -1.6% QoQ	-5.61%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	Bottom 12.2% in tier
Non-Interest Income / Assets ?	0.36% -19.6% YoY -74.7% QoQ	+0.08%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	Top 5.0% in tier

Get Full Access to FCNB Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Credit Quality Leader

growth

#230 of 664 • Top 34.5% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank declining

Revenue Diversifier

growth

#264 of 666 • Top 39.5% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.36%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 0.57%

(Tier: 1.27%, National: 1.23%)

but worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (1)

Efficiency Drag

risk

#126 of 414 • Bottom 30.2% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 85.70%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

135

Non-Interest Income / Assets

revenue_mix

Value: 0.36%

Peer Median: 0.28%

#135 of 2664 Top 5.0% in $100M-$1B

254

Non-Interest-Bearing Deposit Share

funding

Value: 35.36%

Peer Median: 22.02%

#254 of 2664 Top 9.5% in $100M-$1B

455

Nonperforming Asset Ratio

credit_quality

Value: 0.02%

Peer Median: 0.64%

#455 of 2664 Top 17.0% in $100M-$1B

Top Weaknesses (3 metrics)

2405

Efficiency Ratio

profitability

Value: 85.70%

Peer Median: 65.29%

#2405 of 2664 Bottom 9.8% in $100M-$1B

2341

Tier 1 Capital Ratio

capital

Value: 10.22%

Peer Median: 15.83%

#2341 of 2664 Bottom 12.2% in $100M-$1B

2266

Return on Assets

profitability

Value: 0.57%

Peer Median: 1.27%

#2266 of 2664 Bottom 15.0% in $100M-$1B