FCB Banks
FCB Banks reported total assets of $2.6 bn at Q2 2026, up 1.6% on a year earlier, the 475th largest of 497 banks in our US coverage. The CET1 capital ratio at FCB Banks was 12.08%, and the uninsured share of FCB Banks was 19.72%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, FCB Banks slipped from 196th to 297th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- FCB Banks has one of the highest return on equity (ROE) readings among banks of $1 bn to $10 bn: 21.98% at , against a median of 12.68% across 339 banks (FDIC Call Reports).
- The tier 1 leverage ratio of FCB Banks, 8.45% at , places FCB Banks in the bottom tenth of banks of $1 bn to $10 bn (group median 10.45%; FDIC Call Reports).
What sets FCB Banks apart
- Since , FCB Banks has taken over 2 institutions; the latest was Columbia National Bank on .
How large is FCB Banks?
The balance sheet of FCB Banks at : assets $2.6 bn, deposits $2.3 bn, net loans $2.0 bn (loans equal to 89.36% of deposits). Securities make up 17.4% of total assets at FCB Banks. Since , when FCB Banks held $840.8 mn, its assets grew 214.2%. In the year to , deposits at FCB Banks rose 5.5% while its total assets rose 1.6%. At , FCB Banks employed 245 full-time equivalent staff across 20 offices, about $10.8 mn of assets per employee and $113.5 mn of deposits per office.
How much funding at FCB Banks is uninsured?
At FCB Banks, uninsured deposits (above the FDIC limit) made up 19.72% of domestic deposits at (+1.51 pp on a year earlier); FCB Banks ranks 411th of 500 on this measure. In dollars, FCB Banks estimated $447.6 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.3 bn | +5.5% | 464th of 499 |
| Net loans and leases | $2.0 bn | +5.6% | 439th of 500 |
| Loan-to-deposit ratio | 89.36% | +0.04 pp | 204th of 500 |
| Tier 1 leverage ratio | 8.45% | +0.35 pp | 458th of 500 |
| Total risk-based capital ratio | 13.27% | -0.12 pp | 332nd of 448 |
| Net interest margin | 3.31% | +0.39 pp | 345th of 500 |
| Return on assets (ROA) | 1.79% | +0.30 pp | 79th of 500 |
| Efficiency ratio | 50.98% | -3.55 pp | 150th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $9.0 mn | Widened by $1.6 mn | |
| Noncurrent loans to total loans | 0.76% | +0.34 pp | 297th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.01% | -0.01 pp | 91st of 500 (1 = lowest) |
US rank of FCB Banks: 1 = highest unless marked 1 = lowest.
Balance sheet
FCB Banks: assets, deposits and loans
- Total assets $2.6bn
- Deposits $2.3bn
- Net loans $2.0bn
Capital and securities
The CET1 ratio of FCB Banks stood at 12.08% in , -0.09 pp year on year. Low and high at FCB Banks since : 11.67% () to 14.77% (). Equity capital of FCB Banks at : $214.8 mn, or 8.1% of total assets. FCB Banks also reported a total capital ratio of 13.27% for , and a tier 1 leverage ratio of 8.45%.
The available-for-sale portfolio of FCB Banks showed an unrealized loss of $9.0 mn at ; the loss widened by $1.6 mn over the year.
FCB Banks: capital ratios
- Total capital 13%
- CET1 12%
- Tier 1 leverage 8.5%
FCB Banks: unrealized securities gains and losses
- Available for sale -$9mn
- Held to maturity $0
Profitability and loan quality
For the year to , FCB Banks earned a return on equity of 21.98%; return on assets: 1.79%. Net interest margin at FCB Banks: 3.31%, +0.39 pp in a year. FCB Banks net income: $23.4 mn, up 25.0% year on year. The efficiency ratio of FCB Banks was 50.98%: about 51 cents cost per revenue dollar, against 58 cents at the median peer.
At , noncurrent loans were 0.76% of total loans at FCB Banks; net charge-offs: 0.01% of average loans. Gross loans and leases at FCB Banks: $2.0 bn, up 5.6% in a year.
FCB Banks: profitability
- Return on equity 22%
- Net interest margin 3.3%
- Return on assets 1.8%
Peer group of FCB Banks
The peer group of FCB Banks is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 3 share the charter type of FCB Banks (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 1 has its head office in Illinois. Against them, FCB Banks shows CET1 ratio 12.08% against a peer median of 14.01%, return on equity 21.98% against a peer median of 10.64% and uninsured deposit share 19.72% against a peer median of 33.25%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Interaudi Bank | State nonmember bank | NY | $2.7 bn | 18.12% | 12.32% | 57.15% | |
| Machias Savings Bank | State-chartered stock savings bank | ME | $2.7 bn | 14.01% | 8.83% | 16.38% | |
| Avidbank | State nonmember bank | CA | $2.7 bn | 11.83% | 11.72% | 39.51% | |
| FCB Banks | State nonmember bank | IL | $2.6 bn | 12.08% | 21.98% | 19.72% | |
| One Community Bank | State member bank | WI | $2.6 bn | not reported | 10.55% | 26.99% | |
| Republic Bank of Chicago | State nonmember bank | IL | $2.6 bn | not reported | 10.73% | 43.58% | |
| North Shore Bank | State-chartered stock savings bank | WI | $2.6 bn | not reported | 6.72% | 11.80% | |
. FDIC Call Reports.
Last eight quarters
Two years at FCB Banks, to : assets +9.4%, deposits +15.4%, equity +12.4%. Staff 210 to 245.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.4 bn | $2.4 bn | $2.5 bn | $2.6 bn | $2.6 bn | $2.6 bn | $2.6 bn | $2.6 bn |
| Total deposits | $2.0 bn | $2.0 bn | $2.1 bn | $2.2 bn | $2.2 bn | $2.2 bn | $2.2 bn | $2.3 bn |
| Bank equity capital | $191.2 mn | $190.0 mn | $198.8 mn | $200.7 mn | $206.8 mn | $211.3 mn | $213.5 mn | $214.8 mn |
| CET1 ratio | 11.99% | 11.81% | 12.21% | 12.17% | 12.36% | 12.25% | 12.36% | 12.08% |
| Return on equity (ROE) | 14.09% | 14.72% | 18.22% | 19.09% | 20.18% | 20.48% | 21.28% | 21.98% |
| Uninsured share of domestic deposits | 19.94% | 18.04% | 17.47% | 18.21% | 21.56% | 19.86% | 18.72% | 19.72% |
| Full-time equivalent employees | 210 | 214 | 218 | 220 | 229 | 226 | 237 | 245 |
| Number of offices | 20 | 20 | 20 | 20 | 20 | 20 | 20 | 20 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of FCB Banks, oldest first; figures before and after each event are not like for like.
- . Absorbed First County Bank (FDIC certificate 10887).
- . Absorbed Columbia National Bank (FDIC certificate 22312).
Large one-quarter moves at FCB Banks
- Total assets at FCB Banks changed by +53.6% in the quarter to 2017-12-31: Consolidated - Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from First County Bank.
Questions and identifiers
What were the total assets of FCB Banks?
FCB Banks reported $2.6 bn at in its Call Report. That makes FCB Banks the 475th largest of 497 banks in our US coverage.
Is FCB Banks the same as its holding company?
No. This page covers FCB Banks, FDIC certificate 33005; FIRST CO BCORP INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is FCB Banks profitable?
FCB Banks reported net income of $23.4 mn for the year to ; annualized return on equity: 21.98%. So yes: FCB Banks made a profit over these months.
When is data for FCB Banks next updated?
Figures from FCB Banks for are due after .
Where can I check the figures for FCB Banks?
In the FDIC BankFind Suite record for certificate 33005, and in the Call Reports of FCB Banks (RSSD ID 1459717) at the FFIEC Central Data Repository.