FCB Banks


800 Belt Line Rd
Collinsville, IL 62234
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.20% 0.85% →
1-Year CD 0.50% 0.80% →
2-Year CD 0.60% 0.80% →
5-Year CD 0.80% 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

FCB Banks is an FDIC insured institution located in Collinsville, IL. It was founded in 1990 and has approximately $2 billion in assets. Customers can open an account at one of its 18 branches.

FDIC Insured Yes
FDIC Certificate # 33005
Date Established 1990
Assets $ 1,997.22 million
Loans $ 1,383.28 million
Deposits $ 1,760.23 million
Capital $ 163.66 million

For a more detailed analysis of FCB Banks's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 27, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
0.20% $2,500 $4,999 Learn More
Money Market
0.20% $2,500 $2,999 Learn More
Money Market
0.30% $10,000 $14,999 Learn More
Money Market
0.40% $25,000 $29,999 Learn More
Premium Money Market Account
0.35% $10,000 $14,999 Learn More
Premium Money Market Account
0.45% $25,000 $34,999 Learn More
6 Mo CD
0.40% $1,000 - Learn More
12 Mo CD
0.50% $1,000 - Learn More
24 Mo CD
0.60% $1,000 - Learn More
36 Mo CD
0.70% $1,000 - Learn More
48 Mo CD
0.70% $1,000 - Learn More
60 Mo CD
0.80% $1,000 - Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - September 27, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for FCB Banks

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
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First Internet Bank
NMLS ID: 424182
2.783% 2.750%
0.38 points
$1,055 fees
$1,021 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
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BMO Harris Bank
BMO Harris Bank
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Intro APR 1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
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Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
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Note to FCB Banks
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FCB Banks branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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FCB Banks Locations

Financial Details

FCB Banks Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of FCB Banks. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
FCB Banks U.S. Bank Average
3.83% 5.29%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2021, FCB Banks had $6,402,000 in non-current loans and $356,000 in owned real estate. To cover these potential losses it had $163,657,000 in equity and $12,596,000 in loans loss reserves. That gives it a Texas Ratio of 3.83%.

Return on Equity
FCB Banks U.S. Bank Average
12.37% 11.43%

FCB Banks has a Return on Equity of 12.37% versus the BestCashCow average of 11.43%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

FCB Banks U.S. Bank Average
8.19% 11.51%

FCB Banks has a Capitalization of 8.19% versus the BestCashCow average of 11.51. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

FCB Banks Balance Sheet Analysis

As of March 31, 2021, FCB Banks had assets of $1,997,221,000, loans of $1,383,276,000, and deposits of $1,760,225,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2021
Cash & Balances due from depository institutions $ 301.60 million
Interest-bearing balances $ 285.22 million
Total securities $ 254.28 million
Federal funds sold and reverse repurchase $ 20.31 million
Net loans and leases $ 1,383.28 million
Loan loss allowance $ 12.60 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.36 million
Goodwill and other intangibles $ 3.42 million
All other assets $ 12.88 million
     Total Assets $ 1,833.56 million
Total deposits $ 1,760.23 million
      Interest-bearing deposits $ 1,462.45 million
      Deposits held in domestic offices $ 1,760.23 million
      % insured (estimated) 87.35%
Federal funds purchased and repurchase agreements $ 58.13 million
Trading liabilities N.A.
Other borrowed funds $ 10.00 million
Subordinated debt N.A.
All other liabilities $ 5.21 million
      Total Liabilities $ 1,833.56 million
      Shareholders’ Equity $ 163.66 million

Summary Income Statement

March 31, 2021
Total Interest Income $ 15.05 million
Total Interest Expense $ 3.13 million
Net interest income $ 11.92 million
Provision for loan and lease losses $ 0.12 million
Total non interest income $ 4.30 million
Total non interest expense $ 9.20 million
Pre-tax Net Operating Income $ 6.90 million

Bank Loan Profile?

The top three loan types in FCB Banks’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Multifamily Mortgages.

Compared to other banks in Illinois, FCB Banks has a significantly higher percent of 1-4 Family Residential Loans, Small Business Loans, Construction and Development Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 51.20
Credit Card Loans 0.00
Consumer Auto Loans 4.42
Small Business Loans 7.27
Construction and Development Loans 7.69
Commercial Real Estate 16.06
Commercial and Industrial Loans 5.54
Farm Loans 0.31

Frequently Asked Questions About Fcb Banks

Branches and Savings

Is Fcb Banks FDIC insured?

Yes. It is covered under FDIC Certificate #33005.

Why does Fcb Banks pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Fcb Banks CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Fcb Banks a commercial bank?


Where are Fcb Banks locations?

See branch locations nearby.

Is Fcb Banks open on Saturdays?

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Do Fcb Banks checks expire?

Does Fcb Banks require US citizenship to open account?

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What is Fcb Banks's SWIFT code?


Does Fcb Banks offer mortgages?

Compare mortgage rates here.

Does Fcb Banks offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Fcb Banks offer personal loans?

Compare personal loan rates here.

Does Fcb Banks offer student loans?

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Background on The Bank

Who owns Fcb Banks?

How long has Fcb Banks been around?

Can Fcb Banks transfer to other banks?

Does Fcb Banks have quick pay?

Does Fcb Banks accept rolled coins?

Will Fcb Banks accept loose change?

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Customer Reviews for FCB Banks

  • February 2, 2021 |

    CDs 15 Month Rates

    This bank's site shows the 15 mo rate at .45%

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