FCB Banks

Overview / Commentary

www.fcbbanks.com

618-346-9000

800 Belt Line Rd
Collinsville, IL 62234

FCB Banks is headquartered in COLLINSVILLE and is the 30^th largest bank in the state of Illinois. It is also the 531^st largest bank in the nation. It was established in 1990 and as of March of 2023, it had grown to 206 employees at 20 locations. FCB Banks' money market rates are 9X the national average, and it has a B health rating.

View all posts from:

2015
2014

4/2 - 1.75% APY 31 Month CD; Restricted Availability. Quick Look.

12/3 - FCB Banks Has Top Rate 29-month CD Special - Locally Available

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Health

Data as of Q1 2023

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Health Grade Components

Overall
FDIC Certificate #	33005
Year Established	1990
Employees	206
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.76%
Return on Equity - YTD	10.27%
Annual Interest Income	$19.2MM

Assets and Liabilities
Assets	Q1 2023vs Q1 2022	$2.14B$2.04B
Loans	Q1 2023vs Q1 2022	$1.61B$1.28B
Deposits	Q1 2023vs Q1 2022	$1.76B$1.81B
Equity Capital	Q1 2023vs Q1 2022	$160.3MM$158.6MM
Loan Loss Allowance	Q1 2023vs Q1 2022	$16.0MM$13.9MM
Unbacked Noncurrent Loans	Q1 2023vs Q1 2022	$5.5MM$5.5MM
Real Estate Owned	Q1 2023vs Q1 2022	$130.00K$35.00K

Rates

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Savings
Money Market
Checking
CD

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

FCB Banks Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%^*	$500^*	-	Savings Account
OTHER TIERS: 0.35% → Up to $500
0.40%	-	-	Health Savings Account (HSA)

FCB Banks Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
4.20%^*	$1m^*	-	Hometown Money Market w/ DD
OTHER TIERS: 2.50% → $55k - $75k \| 2.60% → $75k - $100k \| 3.10% → $100k - $200k \| 3.20% → $200k - $250k \| 3.30% → $250k - $500k \| 3.80% → $500k - $1m
4.10%^*	$1m^*	-	Hometown Money Market w/o DD
OTHER TIERS: 2.40% → $55k - $75k \| 2.50% → $75k - $100k \| 3.00% → $100k - $200k \| 3.10% → $200k - $250k \| 3.20% → $250k - $500k \| 3.70% → $500k - $1m
4.00%^*	$1m^*	-	Jumbo Commercial Money Market w/ Primary Business Checking
OTHER TIERS: 3.60% → $100k - $250k \| 3.65% → $250k - $500k \| 3.75% → $500k - $1m
3.75%^*	$1m^*	-	Jumbo Commercial Money Market w/o Primary Business Checking
OTHER TIERS: 3.35% → $100k - $250k \| 3.40% → $250k - $500k \| 3.50% → $500k - $1m
2.20%^*	$96k^*	-	49er Jumbo Money Market Account
OTHER TIERS: 2.10% → $49k - $96k
2.10%^*	$96k^*	-	49er Premier Money Market Account
OTHER TIERS: 0.75% → Up to $5k \| 1.70% → $5k - $25k \| 1.95% → $25k - $45k \| 2.05% → $45k - $96k
2.10%^*	$96k^*	-	Jumbo Money Market Account
OTHER TIERS: 2.00% → $49k - $96k
2.05%^*	$96k^*	-	Commercial Money Market Account
OTHER TIERS: 0.45% → Up to $1k \| 1.60% → $1k - $25k \| 1.80% → $25k - $96k
2.00%^*	$96k^*	-	Premier Money Market Account
OTHER TIERS: 0.65% → Up to $5k \| 1.60% → $5k - $25k \| 1.85% → $25k - $45k \| 1.95% → $45k - $96k

FCB Banks Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.75%^*	$96k^*	-	Commercial Interest Checking
OTHER TIERS: 0.50% → $1k - $25k \| 0.60% → $25k - $96k
0.60%	$500	-	49er Gold Club Checking
0.30%	$1k	-	First Rate Checking
0.25%	$1k	-	First Rate Direct Checking

FCB Banks CD Rates

APY	MIN	MAX	ACCOUNT NAME
5.25%	$1k	-	11 Month 49er Relationship CD Special
5.15%	$1k	-	11 Month CD Special
5.10%	$1k	-	5 Month 49er Relationship CD Special
5.00%	$1k	-	17 Month 49er Relationship CD Special
5.00%	$1k	-	5 Month CD Special
4.90%	$1k	-	17 Month CD Special
3.25%	$1k	-	7 Year 49er Relationship CD
3.20%	$1k	-	7 Year CD
3.15%	$1k	-	5 Year 49er Relationship CD
3.10%	$1k	-	5 Year CD
3.05%	$1k	-	3 Year 49er Relationship CD
3.00%	$1k	-	3 Year CD
2.95%	$1k	-	2 Year 49er Relationship CD
2.90%	$1k	-	2 Year CD
2.80%	$1k	-	1 Year 49er Relationship CD
2.75%	$1k	-	1 Year CD
1.85%	$1k	-	6 Month 49er Relationship CD
1.80%	$1k	-	6 Month CD
1.15%	$1k	-	1 Month 49er Relationship CD
1.10%	$1k	-	1 Month CD

Locations

FCB Banks Locations
Florissant Branch	14040 New Halls Ferry Rd	Florissant, MO 63033
Fcb Columbia Branch	700 Colombia Centre	Columbia, IL 62236

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