FCB Banks
Collinsville, Illinois, Madison County
$2.6B in total assets, the 493rd largest of 4,309 US banks and 31st of 328 headquartered in Illinois.
- FDIC certificate
- 33005
- Established
- 1990
- Owned by
- First Co Bcorp Inc
- Primary regulator
- FDIC
- Website
- www.fcbbanks.com
At a glance
Compared with 50 banks headquartered in Illinois with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $2.6B | 48% | $2.7B | |
| Loans | $2.0B | 50% | $2.0B | |
| Deposits | $2.3B | 48% | $2.3B | |
| Return on assets | 1.76% | 90% | 1.39% | |
| Net interest margin | 3.31% | 24% | 3.57% | |
| Efficiency ratio | 51.0% | 45% | 51.3% | |
| Equity to assets | 8.13% | 8% | 10.00% | |
| Loans to deposits | 90% | 64% | 86% |
Growth
Total assets grew 5.0% a year over the last 5 years and 12.0% a year over 10 years, including 2 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Oct 2019 | Columbia National Bank Columbia, IL | $46M |
| Oct 2017 | First County Bank New Baden, IL, an affiliate under the same holding company | $486M |
| Jul 2004 | The Bank Springfield, MO | $292M |
| Oct 1999 | Alpine Savings Bank Highland, IL | $26M |
Where they operate
20 branches in 5 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Madison County, IL | $1.3B | 19.7% | 1 of 23 |
| St. Clair County, IL | $384M | 6.5% | 7 of 26 |
| Clinton County, IL | $291M | 18.1% | 2 of 13 |
| St. Louis County, MO | $182M | 0.4% | 34 of 55 |
| Monroe County, IL | $94M | 7.9% | 4 of 10 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 9 branches since 2016 (11 to 20, +81.8%). 2 opened, 8 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 11 | |||
| 2017 | Acquired First County Bank | 7 | 0 | +7 | 18 |
| 2018 | Opened Florissant | 1 | 0 | +1 | 19 |
| 2019 | Acquired Columbia National Bank | 1 | 0 | +1 | 20 |
| 2020 | Closed Swansea | 0 | 1 | −1 | 19 |
| 2022 | Opened Ellisville | 1 | 0 | +1 | 20 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 47% | 13% | |
| Multifamily | 18% | 9% | |
| Commercial real estate | 14% | 28% | |
| Construction and land | 9% | 7% | |
| Farmland | 5% | 3% | |
| Consumer | 4% | 6% | |
| Business (C&I) | 3% | 27% | |
| Agricultural | 0% | 2% | |
| Other | 1% | 6% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 47% | 55% | |
| Time deposits | 41% | 24% | |
| Noninterest-bearing | 13% | 21% |
Brokered deposits are 0.0% of deposits (peers 8.0%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.76% | 0.49% |
| Net charge-offs, annualized | 0.01% | 0.08% |
| Reserves to loans | 1.06% | 1.13% |
| Leverage ratio | 8.45% | 10.08% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Illinois
Largest competitors in Madison County, IL
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/fcb