Fcnb Bank is a bank based in Steelville, Missouri, established in 1906, with $216 million in total assets across 6 branches. By Trust Grade it ranks 191st of 195 banks we track in Missouri. Its capital ratio of 4.8% trails most similarly sized banks (1th percentile), versus a Missouri median of 10.3%. It was profitable over the most recent period, with a 0.57% return on assets. No consumer complaints against Fcnb Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Fcnb Bank compares to Missouri peers
How we graded Fcnb Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Below the well-capitalized threshold (4.8%)
- Profitable (ROA 0.57%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Fcnb Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (6)
- 402 W Main St, Steelville, MO 65565
- 407 N Franklin St, Cuba, MO 65453
- 1 Community Plz, Sullivan, MO 63080
- 2323 N Bishop Ave, Rolla, MO 65401
- 450 Meramec Blvd, Eureka, MO 63025
- 212 S Bishop Ave, Rolla, MO 65401
Are deposits at Fcnb Bank insured?
Yes. Fcnb Bank is an FDIC-insured bank (FDIC certificate #1639). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Fcnb Bank: frequently asked questions
Is Fcnb Bank a good bank?
Fcnb Bank earns a Bankzia Trust Grade of C (74/100, "Average"), based on a financial-strength score of 74/100 (it has no CFPB complaints on record). Below the well-capitalized threshold (4.8%); Profitable (ROA 0.57%).
Is Fcnb Bank FDIC-insured?
Yes. Fcnb Bank is a FDIC-insured bank (FDIC certificate #1639). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Fcnb Bank?
Fcnb Bank holds $216 million in total assets, ranking 191st of 195 banks we track in Missouri. It operates 6 branches.
Does Fcnb Bank have CFPB complaints?
No CFPB complaints against Fcnb Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
