FCN Bank, National Association

Headquarters

501 Main St
Brookville, IN 47012
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 0.91% →
1-Year CD 0.40% 0.85% →
2-Year CD 0.50% 0.95% →
5-Year CD 1.00% 1.30% →
30-Year Mortgage 3.92% 2.61% →
15-Year Mortgage 3.20% 2.31% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

FCN Bank, National Association is an FDIC insured institution located in Brookville, IN. It was founded in 1900 and has approximately $0.48 billion in assets. Customers can open an account at one of its 6 branches.

FDIC Insured Yes
FDIC Certificate # 4319
Date Established 1900
Assets $ 477.42 million
Loans $ 282.23 million
Deposits $ 402.40 million
Capital $ 56.51 million
 

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

Deposit Rates - November 27, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Savings
0.10% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.10% $10,000 $14,999 Learn More
Money Market
0.15% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.15% $10,000 $14,999 Learn More
3 Mo CD
0.25% $100,000 $199,999 Learn More
6 Mo CD
0.15% $10,000 $14,999 Learn More
6 Mo CD
0.25% $100,000 $199,999 Learn More
12 Mo CD
0.40% $10,000 $14,999 Learn More
12 Mo CD
0.40% $100,000 $199,999 Learn More
18 Mo CD
0.30% $10,000 $14,999 Learn More
18 Mo CD
0.40% $100,000 $199,999 Learn More
24 Mo CD
0.50% $10,000 $14,999 Learn More
24 Mo CD
0.50% $100,000 $199,999 Learn More
30 Mo CD
0.40% $10,000 $14,999 Learn More
30 Mo CD
0.50% $100,000 $199,999 Learn More
36 Mo CD
0.60% $10,000 $14,999 Learn More
36 Mo CD
0.60% $100,000 $199,999 Learn More
48 Mo CD
0.75% $10,000 $14,999 Learn More
48 Mo CD
0.75% $100,000 $199,999 Learn More
60 Mo CD
1.00% $10,000 $14,999 Learn More
60 Mo CD
1.00% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.10% $2,500 $3,499 Learn MoreShow Less
Checking Rates APY MIN FEE
Regular Checking 0.00% $300 $5.50 Learn MoreShow Less
NOW Account 0.10% $800 $7.50 Learn MoreShow Less
 

Loan Rates - November 27, 2020

Your Current Location: Connecticut, CT 06828

Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment
Home Equity Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.

Branches

FCN Bank, National Association branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


FCN Bank, National Association Locations


Financial Details

FCN Bank, National Association Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of FCN Bank, National Association. 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
FCN Bank, National Association U.S. Bank Average
4.34% 6.94%

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, 2020, FCN Bank, National Association had $2,611,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $56,510,000 in equity and $3,599,000 in loans loss reserves. That gives it a Texas Ratio of 4.34%.

Return on Equity
FCN Bank, National Association U.S. Bank Average
7.42% 7.80%

FCN Bank, National Association has a Return on Equity of 7.42% versus the BestCashCow average of 7.80%. 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.

Capitalization
FCN Bank, National Association U.S. Bank Average
11.84% 12.68%

FCN Bank, National Association has a Capitalization of 11.84% versus the BestCashCow average of 12.68. 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.

FCN Bank, National Association Balance Sheet Analysis

As of March 31, 2020, FCN Bank, National Association had assets of $477,422,000, loans of $282,225,000, and deposits of $402,399,000. 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, 2020
ASSETS
Cash & Balances due from depository institutions $ 12.68 million
Interest-bearing balances $ 7.68 million
Total securities $ 156.03 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 282.23 million
Loan loss allowance $ 3.60 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 2.83 million
All other assets $ 17.99 million
     Total Assets $ 420.91 million
LIABILITIES
Total deposits $ 402.40 million
      Interest-bearing deposits $ 312.11 million
      Deposits held in domestic offices $ 402.40 million
      % insured (estimated) 87.75%
Federal funds purchased and repurchase agreements $ 10.24 million
Trading liabilities N.A.
Other borrowed funds $ 5.00 million
Subordinated debt N.A.
All other liabilities $ 3.27 million
      Total Liabilities $ 420.91 million
      Shareholders’ Equity $ 56.51 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 4.47 million
Total Interest Expense $ 0.81 million
Net interest income $ 3.65 million
Provision for loan and lease losses $ 0.06 million
Total non interest income $ 0.57 million
Total non interest expense $ 2.96 million
Pre-tax Net Operating Income $ 1.20 million

Bank Loan Profile?

The top three loan types in FCN Bank, National Association’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks in Indiana, FCN Bank, National Association has a significantly higher percent of Small Business 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 32.22
Multifamily
Mortgages
4.30
Credit Card Loans 0.00
Consumer Auto Loans 1.60
Small Business Loans 9.35
Construction and Development Loans 5.85
Commercial Real Estate 22.66
Commercial and Industrial Loans 14.92
Farm Loans 6.34

Frequently Asked Questions About Fcn Bank, National Association

Branches and Savings

Is Fcn Bank, National Association FDIC insured?

Yes. It is covered under FDIC Certificate #4319.

Why does Fcn Bank, National Association pay such low interest on savings accounts?

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

Why are Fcn Bank, National Association CD rates not competitive?

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

Is Fcn Bank, National Association a commercial bank?

Yes

Where are Fcn Bank, National Association locations?

See branch locations nearby.

Is Fcn Bank, National Association open on Saturdays?

Is Fcn Bank, National Association open on Sundays?

What time does Fcn Bank, National Association open?

What time does Fcn Bank, National Association close?

Are Fcn Bank, National Association ATMs Open 24/7?

Do Fcn Bank, National Association ATMs accept cash deposits?

Can Fcn Bank, National Association customers use other ATMs?

Do Fcn Bank, National Association branches have notaries?

Will Fcn Bank, National Association notarize my document?

What address for Fcn Bank, National Association should I put for incoming ACH transfers?

Will the Fcn Bank, National Association branch print checks?

Do Fcn Bank, National Association checks expire?

Does Fcn Bank, National Association require US citizenship to open account?

Can Fcn Bank, National Association close my account?

Does Fcn Bank, National Association Report to credit bureaus?

Does Fcn Bank, National Association Use Equifax?

What is Fcn Bank, National Association's ACH Routing Number?

What is Fcn Bank, National Association's SWIFT code?

Products

Does Fcn Bank, National Association offer mortgages?

Compare mortgage rates here.

Does Fcn Bank, National Association offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Fcn Bank, National Association offer personal loans?

Compare personal loan rates here.

Does Fcn Bank, National Association offer student loans?

Will Fcn Bank, National Association cash a check?

Will Fcn Bank, National Association redeem a savings bond?

Does Fcn Bank, National Association cash savings bonds?

Will Fcn Bank, National Association cash money orders?

Can Fcn Bank, National Association issue a money order?

Does Fcn Bank, National Association do currency exchange?

Background on The Bank

Who owns Fcn Bank, National Association?

How long has Fcn Bank, National Association been around?

Can Fcn Bank, National Association transfer to other banks?

Does Fcn Bank, National Association have quick pay?

Does Fcn Bank, National Association accept rolled coins?

Will Fcn Bank, National Association accept loose change?

Where is Fcn Bank, National Association headquarters?

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