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F & C Bank

$100M-$1B Specialty: Agricultural MO FDIC cert 9378

Holden, MO

3 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 +10.6% year over year ($420.7M on the books).
  • Delinquency rate 0.38%.
  • Return on assets 2.34%.
  • Efficiency ratio 44.56% vs a 64.48% peer average.
  • Loan-to-deposit ratio 101.74% 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) →

F & C Bank has 4 strengths but faces 2 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

  • + Profitability Leader: Top 29.2% in tier
  • + Net Interest Margin 1.53% above tier average
  • + Efficiency Ratio 19.92% below tier average
  • + Delinquency Rate 0.54% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 34.5% in tier
  • - Loan-to-Deposit Ratio 23.79% above tier average
Get updates when F & C 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 ? $481.0M
+11.8% YoY +1.7% QoQ
+$94.4M $386.6M
+1.2% YoY
$1.6B
+6.4% YoY
$6.3B
+7.7% YoY
70%
Total Loans ? $428.0M
+15.8% YoY +4.6% QoQ
+$169.7M $258.3M
+1.7% YoY
$1.0B
+10.0% YoY
$3.2B
+9.4% YoY
82%
Total Deposits ? $420.7M
+10.6% YoY +1.0% QoQ
+$94.0M $326.7M
+0.7% YoY
$1.3B
+6.1% YoY
$4.9B
+7.3% YoY
72%
Return on Assets ? 2.34%
+10.7% YoY +0.4% QoQ
+1.02% 1.32%
+10.8% YoY
1.46%
+5.9% YoY
1.30%
+12.1% YoY
Top 6.5% in tier
Net Interest Margin ? 5.51%
+6.6% YoY +1.0% QoQ
+1.53% 3.99%
+5.0% YoY
4.55%
+0.7% YoY
3.95%
+4.9% YoY
Top 2.8% in tier
Efficiency Ratio ? 44.56%
-9.3% YoY +0.6% QoQ
-19.92% 64.48%
-3.2% YoY
59.57%
-3.2% YoY
70.05%
+2.5% YoY
Top 8.2% in tier
Delinquency Rate ? 0.38%
+101.6% YoY +46.4% QoQ
-0.54% 0.92%
+15.7% YoY
0.82%
+12.6% YoY
0.98%
+16.3% YoY
52%
Loan-to-Deposit Ratio ? 101.74%
+4.7% YoY +3.6% QoQ
+23.79% 77.95%
+1.0% YoY
80.82%
+1.6% YoY
79.03%
+2.3% YoY
Bottom 8.0% in tier
Non-Interest-Bearing Deposit Share ? 17.44%
+8.0% YoY +7.5% QoQ
-4.59% 22.03%
-0.6% YoY
20.71%
-0.5% YoY
21.98%
-0.6% YoY
34%
Nonperforming Asset Ratio ? 0.34%
+108.7% YoY +50.7% QoQ
-0.33% 0.67%
+16.4% YoY
0.67%
+14.9% YoY
0.69%
+15.8% YoY
49%
Tier 1 Capital Ratio ? 11.01%
+5.7% YoY +2.6% QoQ
-4.90% 15.91%
+1.4% YoY
15.38%
-1.1% YoY
17.09%
+0.8% YoY
24%
Non-Interest Income / Assets ? 0.26%
+3.6% YoY +104.7% QoQ
-0.31% 0.57%
+7.6% YoY
0.58%
+5.8% YoY
0.66%
+5.2% YoY
64%

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 17.4%
+1.3pp YoY
+1.2pp QoQ
 -4.7pp 22.1% 20.9% 22.2% 33%
Brokered Deposits 2.8%
+2.2pp YoY
-1.5pp QoQ
 -5.1pp 7.9% 7.4% 8.5% 37%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
C&I 3.9%
-0.4pp YoY
-0.1pp QoQ
 -7.6pp 11.6% 12.3% 12.5% 14%
CRE 27.0%
+0.1pp YoY
-1.2pp QoQ
 -12.5pp 39.5% 36.8% 41.4% 30%
1-4 Family 33.0%
-0.9pp YoY
-0.2pp QoQ
 +0.4pp 32.6% 31.9% 31.3% 58%
Consumer 1.6%
-0.4pp YoY
-0.1pp QoQ
 -2.5pp 4.1% 4.1% 5.0% 40%

Capital

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 18.5% 19.7% n/a
Leverage Ratio 11.0%
+0.6pp YoY
+0.3pp QoQ
 -1.2pp 12.2% 11.6% 12.6% 50%
Total Capital Ratio n/a n/a 19.9% 19.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Full-Time Employees 62
+1 (+1.6%) YoY
0 QoQ
 +3 58 162 482 65%
Assets per Employee ($) $7.8M
+10.0% YoY
+1.7% QoQ
 +$240K $7.5M $8.0M $8.8M 64%
Branch Count 3
0 YoY
0 QoQ
 -2 4 10 18 26%

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 0.4%
+0.3pp YoY
+0.1pp QoQ
 -0.6pp 0.9% 0.8% 1.0% 46%
Allowance Coverage 3.14x
-55.2% YoY
-33.5% QoQ
 -21.01x 24.15x 10.47x 20.23x 60%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.3% 0.2% 60%

Profitability

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
ROE 22.0%
+1.4pp YoY
-0.2pp QoQ
 +9.8pp 12.2% 14.3% 11.6% 92%
Cost of Funds (YTD) 1.8%
-0.2pp YoY
0.0pp QoQ
 +0.1pp 1.7% 1.8% 1.7% 60%
Net Income ($, YTD) $5.5M
+23.8% YoY
— QoQ
 +$3.0M $2.6M $11.3M $40.4M 90%

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)

Profitability Leader

growth
#194 of 661 • Top 29.2% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.34%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (1)

Credit Quality Pressure

risk
#434 of 1256 • Bottom 34.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.38%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

75
Net Interest Margin
profitability
Value: 5.51%
Peer Median: 3.99%
#75 of 2643 Top 2.8% in $100M-$1B
174
Return on Assets
profitability
Value: 2.34%
Peer Median: 1.32%
#174 of 2643 Top 6.5% in $100M-$1B
219
Efficiency Ratio
profitability
Value: 44.56%
Peer Median: 64.48%
#219 of 2643 Top 8.2% in $100M-$1B
478
Total Loans
size
Value: $428.01M
Peer Median: $258.35M
#478 of 2643 Top 18.0% in $100M-$1B

Top Weaknesses (2 metrics)

2433
Loan-to-Deposit Ratio
liquidity
Value: 101.74%
Peer Median: 77.95%
#2433 of 2643 Bottom 8.0% in $100M-$1B
2021
Tier 1 Capital Ratio
capital
Value: 11.01%
Peer Median: 15.91%
#2021 of 2643 Bottom 23.6% in $100M-$1B
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