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Overview / Commentary
407 North Franklin
Cuba, MO 65453

First Community National Bank is headquartered in Cuba and is the 101st largest bank in the state of Missouri. It is also the 2,806th largest bank in the nation. It was established in 1906 and as of March of 2014, it had grown to 90 employees at 7 locations. First Community National Bank has a C+ health rating.

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Reviews (1)

This Bank Should Get A Minus 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"......


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 First Community National Bank had $3.22 million in non-current loans and owned real-estate with $20.02 million in equity and loan loss allowances on hand to cover it. This gives First Community National Bank a Texas Ratio of 16.11% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for First Community National Bank increased slightly from 10.58% as of March 31, 2013 to 16.11% as of March 31, 2014, resulting in a negative change of 52.30%. This indicates that the balance sheet and financial strength for First Community National Bank has declined slightly in recent periods.

Deposit Growth


In the past year, First Community National Bank has increased its total deposits by $5.86 million, resulting in 3.41% 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 excellent.



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 $222.85 million in assets with $20.02 million in equity, resulting in a capitalization level of 8.98%, which is average.

Institution Statistics

FDIC Certificate #1639
Year Established1906
Primary RegulatorOCC
Assets and Liabilities
Assets$222.85 million
Loans$143.48 million
Deposits$178.08 million
Equity Capital$18.21 million
Loan Loss Allowance$1.81 million
Unbacked Noncurrent Loans$1.19 million
Real Estate Owned$2.04 million
Historic Data - March 2013
Assets$215.04 million
Equity Capital$18.68 million
Loan Loss Allowance$3.45 million
Unbacked Noncurrent Loans$1.19 million
Real Estate Owned$722,000
Profit Margin - Quarterly
Return on Assets1.82%
Return on Equity23.09%
Interest Income$2.48 million
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First Community National Bank Checking Account Rates

4.01%-$10kReal Life Interest Checking - Qualifying
0.01%--Real Life Interest Checking - Non Qualifying

First Community National Bank CD Rates

1.75%$10k-59 Month Boost CD Special
1.40%$10k-60 Month CD
1.25%$10k-39 Month Boost CD Special
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 PlazaSullivan, MO 63080
Bishop Branch212 South Bishop AvenueRolla, MO 65401
North Bishop Avenue Branch2323 North Bishop AvenueRolla, MO 65401
Steelville Branch402 West Main StreetSteelville, MO 65565
First Community National Bank407 North FranklinCuba, MO 65453
Eureka Branch450 Meramac BoulevardEureka, MO 63025
Vienna BranchHighway 63 SouthVienna, MO 65582