FCN Bank, National Association
Total assets
$812.5M
▲ +4.6% YoY
Deposits
$706.5M
▲ +1.8% YoY
Loans
$547.4M
▲ +11.4% YoY
Offices
6
FCN BANC CORP
ROA (annualized)
1.06%
peers 1.28%
ROE (annualized)
13.48%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.6% | +4.9% | -0.3 pts |
| Deposit growth (YoY) | +1.8% | +4.3% | -2.5 pts |
| Loan growth (YoY) | +11.4% | +5.3% | +6.0 pts |
| ROA | 1.06% | 1.28% | -0.2 pts |
| ROE | 13.5% | 12.4% | +1.0 pts |
ROA ranks in the 36th percentile of its peer group · Q2 2026
Profile
- Established
- 1900
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- FCN BANC CORP
- Specialization
- Commercial Lending Specialization
- Address
- 501 Main St, Brookville, IN, 47012
- County
- Franklin
- Metro area
- Cincinnati, OH-KY-IN
- Offices
- 6
- FDIC cert #
- 4319
- RSSD ID
- 321947
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $812.5M | $706.5M | $547.4M | $65.4M | $4.3M | 1.06% | 3.19% | 0.01% |
| Q1 2026 | $797.6M | $696.8M | $520.6M | $61.0M | $1.9M | 0.97% | 3.12% | 0.01% |
| Q4 2025 | $792.7M | $683.4M | $505.5M | $63.0M | $6.3M | 0.81% | 2.88% | 0.01% |
| Q3 2025 | $774.9M | $676.0M | $493.0M | $58.8M | $4.5M | 0.77% | 2.83% | 0.02% |
| Q2 2025 | $776.8M | $693.8M | $491.5M | $52.6M | $2.9M | 0.75% | 2.74% | 0.02% |
| Q1 2025 | $778.3M | $702.9M | $484.1M | $49.6M | $1.3M | 0.65% | 2.63% | 0.00% |
| Q4 2024 | $794.6M | $708.3M | $483.5M | $49.0M | $4.3M | 0.53% | 2.33% | 0.00% |
| Q3 2024 | $836.4M | $748.4M | $481.4M | $53.2M | $2.8M | 0.46% | 2.29% | 0.01% |
Loan mix (Q2 2026): real estate $484.6M · commercial $45.6M · consumer $7.2M · securities $208.1M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.06% | 1.28% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 13.5% | 12.4% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.19% | 3.89% | 15th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.0% | 61.2% | 56th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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