Overview / Commentary
402 W Main St
Steelville, MO 65565

FCNB Bank is headquartered in STEELVILLE and is the 130th largest bank in the state of Missouri. It is also the 3,230th largest bank in the nation. It was established in 1906 and as of March of 2023, it had grown to 54 employees at 6 locations. FCNB Bank's CD rates are 11% higher than the national average, and it has a C+ health rating.

Reviews (2)

Best of the local banks

Posted by: |

First Community National Bank is a hometown bank with several branches in nearby towns. They offer financial advice on retirement plans, such as IRA's, etc. They also offer a variety of interest bearing CD's. The best thing I like is their online banking service so you can bank from home on just about everything you need. You can check your checking and savings accounts, have monthly payments set up to pay each month on an automatic basis if you wish, transfer funds from one account to another and even have the savings tied into your checking to provide overdraft protection. As far as service goes, the staff would be hard to beat. They are very capable of answering all my questions as well as helping on problems. Some time ago we had an unauthorized withdrawal from our checking account so I called the vice president and she traced it down and took care of the problem in no time. Great Service! We also have our incomes set up on direct deposit and they show up like clockwork. Our checking account is also an interest bearing account depending on what our balance is for each month, as to the amount of interest we get. They offer other type of checking accounts such as student checking accounts for young people who just want a simple checking account with no fees included. All their accounts also offer free checking.

This Bank Should Get A Minus Rating

Posted by: |


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"......


Health Grade Components

FDIC Certificate #1639
Year Established1906
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.44%
Return on Equity - YTD24.8%
Annual Interest Income$1.5MM
Assets and Liabilities
AssetsQ1 2023vs Q1 2022$176.6MM$159.8MM
LoansQ1 2023vs Q1 2022$79.2MM$72.6MM
DepositsQ1 2023vs Q1 2022$150.9MM$151.4MM
Equity CapitalQ1 2023vs Q1 2022$3.8MM$8.1MM
Loan Loss AllowanceQ1 2023vs Q1 2022$1.3MM$1.2MM
Unbacked Noncurrent LoansQ1 2023vs Q1 2022$459.00K$488.00K
Real Estate OwnedQ1 2023vs Q1 2022$97.00K$85.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

FCNB Bank Savings Account Rates

0.10%-$2.5kVacation Club
0.10%-$2.5kChristmas Club

FCNB Bank Checking Account Rates

1.00%*-$10kReal Life Interest Checking
OTHER TIERS: 0.01% $10k+

FCNB Bank CD Rates

5.00%$1k-9 Month CD Special
4.50%$1k-19 Month CD Special
4.00%$1k-29 Month CD Special
2.00%$1k-60 Month CD
1.75%$1k-48 Month CD
1.65%$1k-45 Days CD
1.50%$1k-36 Month CD
1.40%$1k-30 Days CD
1.25%$1k-24 Month CD
1.00%$1k-3 Month CD
1.00%$1k-12 Month CD
0.75%$500-12 Month First Savers CD
0.75%$1k-6 Month CD

FCNB Bank Locations
Sullivan Branch1 Community PlazaSullivan, MO 63080
Bishop Branch212 South Bishop AvenueRolla, MO 65401
North Bishop Avenue Branch2323 North Bishop AvenueRolla, MO 65401
Steelville Branch407 N Franklin StCuba, MO 65453
First Community National Bank402 W Main StSteelville, MO 65565
Eureka Branch450 Meramec BoulevardEureka, MO 63025

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