First Community National Bank is headquartered in Cuba and is the 101st largest bank in the state of Missouri. It is also the 2,869th largest bank in the nation. It was established in 1906 and as of December of 2013, it had grown to 90 employees at 7 locations. First Community National Bank has a C+ health rating.
This banking institution does care about their customers! they are rude, do not return calls if something goes over the amount you have in the bank yet you make a deposit on the same day, maybe 5 minutes afterwards, and they still charge you $30.00, and say its your fault. If you have 2 checks come in at 3:30 pm, 1 for $5.00 and one for $220, and you have 190 in the bank, they will take the $220 out first then charge you $60. you arrive at the bank at 4:00 pm and deposit $500. They don't care, saying "you should have been here before 10 am not our problem they say"......
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 First Community National Bank had $3.61 million in non-current loans and owned real-estate with $18.92 million in equity and loan loss allowances on hand to cover it. This gives First Community National Bank a Texas Ratio of 19.08% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
The Texas Ratio for First Community National Bank increased slightly from 8.79% as of December 31, 2012 to 19.08% as of December 31, 2013, resulting in a negative change of 117.11%. This indicates that the balance sheet and financial strength for First Community National Bank has declined slightly in recent periods.
In the past year, First Community National Bank has decreased its total deposits by -$2.74 million, resulting in -1.56% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First Community National Bank has shown is average.
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First Community National Bank has $215.63 million in assets with $18.92 million in equity, resulting in a capitalization level of 8.77%, which is average.
|FDIC Certificate #||1639|
|Assets and Liabilities|
|Equity Capital||$16.40 million|
|Loan Loss Allowance||$2.52 million|
|Unbacked Noncurrent Loans||$739,000|
|Real Estate Owned||$2.87 million|
|Historic Data - December 2012|
|Equity Capital||$18.92 million|
|Loan Loss Allowance||$3.28 million|
|Unbacked Noncurrent Loans||$739,000|
|Real Estate Owned||$1.06 million|
|Profit Margin - Quarterly|
|Net Interest Margin||4.13%|
|Return on Assets||1.32%|
|Return on Equity||16.31%|
|Interest Income||$10.11 million|
Always verify rates and promotions with the bank or credit union. We are not First Community National Bank, we are a rate comparison website and can not provide official rates or promotions.
|4.01%||-||$10k||Real Life Interest Checking|
|0.01%||-||-||Real Life Interest Checking|
|2.00%||$10k||-||59 Month Boost CD Special|
|1.50%||$10k||-||39 Month Boost CD Special|
|1.40%||$10k||-||60 Month CD|
|1.15%||$10k||-||48 Month CD|
|0.85%||$10k||-||36 Month CD|
|0.65%||$10k||-||24 Month CD|
|0.50%||$10k||-||9 Month CD|
|0.45%||$10k||-||12 Month First Savers CD|
|0.45%||$10k||-||12 Month CD|
|0.35%||$10k||-||6 Month CD|
|0.20%||$10k||-||3 Month CD|
|0.18%||$10k||-||45 Day CD|
|0.15%||$10k||-||30 Day CD|
|First Community National Bank Locations|
|Sullivan Branch||#1 First Community Plaza||Sullivan, MO 63080|
|Bishop Branch||212 South Bishop Avenue||Rolla, MO 65401|
|North Bishop Avenue Branch||2323 North Bishop Avenue||Rolla, MO 65401|
|Steelville Branch||402 West Main Street||Steelville, MO 65565|
|First Community National Bank||407 North Franklin||Cuba, MO 65453|
|Eureka Branch||450 Meramac Boulevard||Eureka, MO 63025|
|Vienna Branch||Highway 63 South||Vienna, MO 65582|