FCB Banks

Overview / Commentary

618-346-9000

800 Beltline Road
Collinsville, IL 62234

FCB Banks is headquartered in Collinsville and is the 33^rd largest bank in the state of Illinois. It is also the 535^th largest bank in the nation. It was established in 1990 and as of December of 2018, it had grown to 207 employees at 19 locations. FCB Banks' money market rates are 3X the national average, and it has an A 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 Q4 2018

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Health Grade Components

Overall
FDIC Certificate #	33005
Year Established	1990
Employees	207
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.13%
Return on Equity - YTD	12.87%
Annual Interest Income	$55.4MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$1.55B$1.40B
Loans	Q4 2018vs Q4 2017	$1.24B$1.15B
Deposits	Q4 2018vs Q4 2017	$1.26B$1.13B
Equity Capital	Q4 2018vs Q4 2017	$135.4MM$120.9MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$11.0MM$10.4MM
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$10.0MM$11.6MM
Real Estate Owned	Q4 2018vs Q4 2017	$1.1MM$1.2MM

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%	-	-	Health Savings Account (HSA)
0.40%^*	$500^*	-	Savings Account
OTHER TIERS: 0.35% → Up to $500

FCB Banks Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
1.30%^*	$96k^*	-	49er Jumbo Money Market Account
OTHER TIERS: 1.20% → $49k - $96k
1.25%^*	$96k^*	-	49er Premier Money Market Account
OTHER TIERS: 0.50% → Up to $5k \| 0.90% → $5k - $25k \| 1.00% → $25k - $45k \| 1.15% → $45k - $96k
1.25%^*	$96k^*	-	Jumbo Money Market Account
OTHER TIERS: 1.15% → $49k - $96k
1.20%^*	$96k^*	-	Premier Money Market Account
OTHER TIERS: 0.45% → Up to $5k \| 0.85% → $5k - $25k \| 0.95% → $25k - $45k \| 1.10% → $45k - $96k
1.20%^*	$96k^*	-	Commercial Money Market Account
OTHER TIERS: 0.45% → Up to $1k \| 0.85% → $1k - $25k \| 1.05% → $25k - $96k

FCB Banks Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.90%^*	$96k^*	-	Commercial Interest Checking
OTHER TIERS: 0.70% → $1k - $25k \| 0.85% → $25k - $96k
0.50%	$500	-	49er Gold Club Checking
0.30%	$1k	-	First Rate Direct Checking
0.30%	$1k	-	First Rate Checking

FCB Banks CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.75%	$1k	-	7 Year 49er Relationship Bonus Rate CD
2.70%	$1k	-	7 Year CD
2.50%	$1k	-	5 Year 49er Relationship Bonus Rate CD
2.45%	$1k	-	5 Year CD
2.25%	$1k	-	3 Year 49er Relationship Bonus Rate CD
2.20%	$1k	-	3 Year CD
2.00%	$1k	-	2 Year 49er Relationship Bonus Rate CD
1.95%	$1k	-	2 Year CD
1.75%	$1k	-	1 Year 49er Relationship Bonus Rate CD
1.70%	$1k	-	1 Year CD
1.25%	$1k	-	6 Month 49er Relationship Bonus Rate CD
1.20%	$1k	-	6 Month CD
0.25%	$1k	-	1 Month 49er Relationship Bonus Rate CD
0.20%	$1k	-	1 Month CD

Locations

FCB Banks Locations
Florissant Branch	14040 New Halls Ferry Rd	Florissant, MO 63033

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