Bank · FDIC insured
F & C Bank
A $481M bank headquartered in Holden, MO, with 3 branches in Missouri. Best rates: CDs 4.04% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Savings: carrot has not captured enough rates to score this yet. Auto loans: no rates found on its website. Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- CDs—4.04%CD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About F & C Bank
Founded in 1881 as Farmers & Commercial Bank, F&C Bank is a locally owned institution whose controlling interest was purchased in 1948 by the Mickey family, who remain active in ownership and management.
Headquartered in Holden, Missouri, the bank historically provided financial services to local agricultural producers and small businesses, while individual consumers now make up the largest segment of its customer base.
- Headquarters
- 1006 Eagle Crest Dr, Holden, MO 64040
- FDIC certificate
- 9378 ↗
Branches
3 branches in Missouri
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Missouri
3 branches
Holden area · 1
- F & C BankMain office1006 Eagle Crest Dr, Holden, MO 64040Directions
Lone Jack area · 1
- Lone Jack Facility102 N Bynum Rd, Lone Jack, MO 64070Directions
Warrensburg area · 1
- Warrensburg Branch541 E Young Ave, Warrensburg, MO 64093Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.01% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.38% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 2.34% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $103 | $81 | — |
- CapitalLeverage ratio11.01%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.38%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets2.34%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$103Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of F & C Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.