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 27^th largest bank in the state of Illinois. It is also the 521^st largest bank in the nation. It was established in 1990 and as of June of 2022, it had grown to 204 employees at 19 locations. FCB Banks' money market rates are 8X 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

B+

Data as of Q2 2022

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Health Grade Components

Overall
FDIC Certificate #	33005
Year Established	1990
Employees	204
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.07%
Return on Equity - YTD	13.58%
Annual Interest Income	$29.6MM

Assets and Liabilities
Assets	Q2 2022vs Q2 2021	$2.09B$2.07B
Loans	Q2 2022vs Q2 2021	$1.31B$1.34B
Deposits	Q2 2022vs Q2 2021	$1.86B$1.83B
Equity Capital	Q2 2022vs Q2 2021	$154.3MM$168.8MM
Loan Loss Allowance	Q2 2022vs Q2 2021	$14.0MM$12.7MM
Unbacked Noncurrent Loans	Q2 2022vs Q2 2021	$5.2MM$7.1MM
Real Estate Owned	Q2 2022vs Q2 2021	$35.00K$258.00K

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
0.40%^*	$500^*	-	Savings Account
OTHER TIERS: 0.30% → Up to $500
0.40%	-	-	Health Savings Account (HSA)

FCB Banks Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
3.60%^*	$1m^*	-	Hometown Money Market w/ DD
OTHER TIERS: 1.65% → $55k - $75k \| 1.75% → $75k - $100k \| 1.90% → $100k - $200k \| 2.20% → $200k - $250k \| 2.70% → $250k - $500k \| 3.20% → $500k - $1m
3.50%^*	$1m^*	-	Hometown Money Market w/o DD
OTHER TIERS: 1.55% → $55k - $75k \| 1.65% → $75k - $100k \| 1.80% → $100k - $200k \| 2.10% → $200k - $250k \| 2.60% → $250k - $500k \| 3.10% → $500k - $1m
1.75%^*	$96k^*	-	Commercial Money Market Account
OTHER TIERS: 0.45% → Up to $1k \| 1.30% → $1k - $25k \| 1.50% → $25k - $96k
1.65%^*	$96k^*	-	49er Premier Money Market Account
OTHER TIERS: 0.55% → Up to $5k \| 1.30% → $5k - $25k \| 1.50% → $25k - $45k \| 1.60% → $45k - $96k
1.65%^*	$96k^*	-	49er Jumbo Money Market Account
OTHER TIERS: 1.60% → $49k - $96k
1.55%^*	$96k^*	-	Premier Money Market Account
OTHER TIERS: 0.45% → Up to $5k \| 1.20% → $5k - $25k \| 1.40% → $25k - $45k \| 1.50% → $45k - $96k
1.55%^*	$96k^*	-	Jumbo Money Market Account
OTHER TIERS: 1.50% → $49k - $96k
0.40%^*	$500^*	-	Money Market
OTHER TIERS: 0.30% → Up to $500

FCB Banks Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.65%^*	$96k^*	-	Commercial Interest Checking
OTHER TIERS: 0.40% → $1k - $25k \| 0.50% → $25k - $96k
0.50%	$500	-	49er Gold Club Checking
0.25%	$1k	-	First Rate Direct Checking
0.25%	$1k	-	First Rate Checking

FCB Banks CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.50%	$1k	-	33 Month 49er Relationship CD Special
4.40%	$1k	-	22 Month 49er Relationship CD Special
4.40%	$1k	-	33 Month CD Special
4.30%	$1k	-	11 Month 49er Relationship CD Special
4.30%	$1k	-	22 Month CD Special
4.20%	$1k	-	11 Month CD Special
3.00%	$1k	-	7 Year 49er Relationship CD
2.95%	$1k	-	7 Year CD
2.90%	$1k	-	5 Year 49er Relationship CD
2.85%	$1k	-	5 Year CD
2.80%	$1k	-	3 Year 49er Relationship CD
2.75%	$1k	-	3 Year CD
2.70%	$1k	-	2 Year 49er Relationship CD
2.65%	$1k	-	2 Year CD
2.55%	$1k	-	1 Year 49er Relationship CD
2.50%	$1k	-	1 Year CD
1.60%	$1k	-	6 Month 49er Relationship CD
1.55%	$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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