BlastPoint's Banking Scorecard

FCNB Bank

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

Steelville, MO

6 branches across MO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 140 in MO.
Deposits +6.9% year over year ($196.0M on the books).
Delinquency rate 0.00%.
Return on assets 0.68%.
Efficiency ratio 81.68% vs a 64.48% peer average.
Loan-to-deposit ratio 71.61% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 140 in MO

View $100M-$1B leaderboard (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

+ Revenue Diversifier: Top 35.0% in tier
+ Delinquency Rate 0.92% below tier average
+ Non-Interest-Bearing Deposit Share 15.03% above tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 34.9% in tier
- ROA 0.65% below tier average
- Net Interest Margin 0.21% below tier average

Get updates when FCNB Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$220.4M +6.8% YoY +1.9% QoQ	-$166.1M	$386.6M +1.2% YoY	$1.6B +6.4% YoY	$6.3B +7.7% YoY	31%
Total Loans ?	$140.4M +16.1% YoY +4.8% QoQ	-$118.0M	$258.3M +1.7% YoY	$1.0B +10.0% YoY	$3.2B +9.4% YoY	32%
Total Deposits ?	$196.0M +6.9% YoY +1.9% QoQ	-$130.7M	$326.7M +0.7% YoY	$1.3B +6.1% YoY	$4.9B +7.3% YoY	33%
Return on Assets ?	0.68% +22.0% YoY +19.5% QoQ	-0.65%	1.32% +10.8% YoY	1.46% +5.9% YoY	1.30% +12.1% YoY	18%
Net Interest Margin ?	3.78% +7.6% YoY +2.3% QoQ	-0.21%	3.99% +5.0% YoY	4.55% +0.7% YoY	3.95% +4.9% YoY	41%
Efficiency Ratio ?	81.68% -6.0% YoY -4.7% QoQ	+17.20%	64.48% -3.2% YoY	59.57% -3.2% YoY	70.05% +2.5% YoY	Bottom 11.9% in tier
Delinquency Rate ?	0.00% -100.0% YoY	-0.92%	0.92% +15.7% YoY	0.82% +12.6% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	71.61% +8.6% YoY +2.8% QoQ	-6.34%	77.95% +1.0% YoY	80.82% +1.6% YoY	79.03% +2.3% YoY	67%
Non-Interest-Bearing Deposit Share ?	37.06% -1.1% YoY +4.8% QoQ	+15.03%	22.03% -0.6% YoY	20.71% -0.5% YoY	21.98% -0.6% YoY	Top 7.0% in tier
Nonperforming Asset Ratio ?	0.02% -69.4% YoY -1.9% QoQ	-0.65%	0.67% +16.4% YoY	0.67% +14.9% YoY	0.69% +15.8% YoY	84%
Tier 1 Capital Ratio ?	10.11% +3.1% YoY -1.1% QoQ	-5.80%	15.91% +1.4% YoY	15.38% -1.1% YoY	17.09% +0.8% YoY	Bottom 12.2% in tier
Non-Interest Income / Assets ?	0.78% -0.6% YoY +114.5% QoQ	+0.22%	0.57% +7.6% YoY	0.58% +5.8% YoY	0.66% +5.2% YoY	Top 5.0% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Noninterest-Bearing	37.1% -0.4pp YoY +1.7pp QoQ	+14.9pp	22.1%	20.9%	22.2%	93%
Brokered Deposits	8.0% -1.9pp YoY -0.2pp QoQ	+0.2pp	7.9%	7.4%	8.5%	68%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
C&I	14.3% -1.0pp YoY +0.3pp QoQ	+2.7pp	11.6%	12.3%	12.5%	73%
CRE	35.6% -3.8pp YoY -1.0pp QoQ	-3.9pp	39.5%	36.8%	41.4%	44%
1-4 Family	32.1% +3.7pp YoY +0.5pp QoQ	-0.5pp	32.6%	31.9%	31.3%	56%
Consumer	3.9% -0.5pp YoY -0.1pp QoQ	-0.2pp	4.1%	4.1%	5.0%	69%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
CET1 Ratio	10.1% +0.3pp YoY -0.1pp QoQ	-8.7pp	18.8%	18.5%	19.7%	3%
Leverage Ratio	8.1% +0.4pp YoY +0.1pp QoQ	-4.1pp	12.2%	11.6%	12.6%	2%
Total Capital Ratio	10.9% +0.4pp YoY -0.1pp QoQ	-9.0pp	19.9%	19.6%	20.8%	2%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Full-Time Employees	57 +3 (+5.6%) YoY +2 (+3.6%) QoQ	-2	58	162	482	60%
Assets per Employee ($)	$3.9M +1.2% YoY -1.7% QoQ	-$3.7M	$7.5M	$8.0M	$8.8M	3%
Branch Count	6 0 YoY 0 QoQ	+1	4	10	18	66%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	n/a	n/a	0.9%	0.8%	1.0%	n/a
Allowance Coverage	n/a	n/a	24.15x	10.47x	20.23x	n/a
Net Charge-off Rate (YTD)	0.2% +0.2pp YoY +0.2pp QoQ	+0.1pp	0.1%	0.3%	0.2%	85%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
ROE	13.7% -2.5pp YoY +2.2pp QoQ	+1.5pp	12.2%	14.3%	11.6%	60%
Cost of Funds (YTD)	2.0% -0.1pp YoY -0.1pp QoQ	+0.2pp	1.7%	1.8%	1.7%	68%
Net Income ($, YTD)	$726,000 +30.8% YoY — QoQ	-$1.8M	$2.6M	$11.3M	$40.4M	17%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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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 (1)

Revenue Diversifier

growth

#232 of 661 • Top 35.0% 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: 0.78%

(Tier: 0.57%, National: 0.66%)

better than tier avg

Return on Assets: 0.68%

(Tier: 1.32%, National: 1.30%)

but worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (1)

Efficiency Drag

risk

#127 of 361 • Bottom 34.9% in tier

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

Why this signature

Efficiency Ratio: 81.68%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#1 of 2633 Top 0.1% in $100M-$1B

133

Non-Interest Income / Assets

revenue_mix

Value: 0.78%

Peer Median: 0.57%

#133 of 2643 Top 5.0% in $100M-$1B

185

Non-Interest-Bearing Deposit Share

funding

Value: 37.06%

Peer Median: 22.03%

#185 of 2643 Top 7.0% in $100M-$1B

433

Nonperforming Asset Ratio

credit_quality

Value: 0.02%

Peer Median: 0.67%

#433 of 2643 Top 16.3% in $100M-$1B

Top Weaknesses (3 metrics)

2329

Efficiency Ratio

profitability

Value: 81.68%

Peer Median: 64.48%

#2329 of 2643 Bottom 11.9% in $100M-$1B

2322

Tier 1 Capital Ratio

capital

Value: 10.11%

Peer Median: 15.91%

#2322 of 2643 Bottom 12.2% in $100M-$1B

2173

Return on Assets

profitability

Value: 0.68%

Peer Median: 1.32%

#2173 of 2643 Bottom 17.8% in $100M-$1B