Bank · FDIC insured
FCB Banks
Top CarrotA $2.6B bank headquartered in Collinsville, IL, with 17 branches in 2 states. Best rates: CDs 4.35% and savings 1.60% APY.
FCB Banks Carrot Score
Carrot ScoreTop Carrot
Higher than 87% of U.S. banks and credit unions
#12 of 79 in St. Louis, MO-IL metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About FCB Banks
FCB Banks is a family-owned financial institution that has been operating since its original banks opened in 1901.
First Collinsville Bank opened in 1990, and the institution officially changed its name to FCB Banks in 2017.
The bank operates seventeen locations across sixteen towns, serving customers in Illinois and Missouri.
- Headquarters
- 800 Belt Line Rd, Collinsville, IL 62234
- FDIC certificate
- 33005 ↗
Branches
17 branches in 2 states
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Illinois
14 branches
- FCB BanksMain office800 Belt Line Rd, Collinsville, IL 62234Directions
- Albers Facility201 N Commercial St, Albers, IL 62215Directions
- Bellville Il Branch401 S Illinois St, Belleville, IL 62220Directions
- Caseyville Branch204 N Main St, Caseyville, IL 62232Directions
- Collinsville Route 157 Branch208 N Bluff Rd, Collinsville, IL 62234Directions
- Fcb Columbia Branch700 Columbia Centre, Columbia, IL 62236Directions
- Edwardsville Branch6659 Center Grove Rd, Edwardsville, IL 62025Directions
- Highland Branch111 Walnut St, Highland, IL 62249Directions
- Maryville Branch2729 Maryville Rd, Maryville, IL 62062Directions
- New Baden Branch14 E Hanover St, New Baden, IL 62265Directions
- O'Fallon Branch1501 W Highway 50, O'Fallon, IL 62269Directions
- Swansea Branch2610 N Illinois St, Swansea, IL 62226Directions
- Trenton Branch5 S Madison St, Trenton, IL 62293Directions
- Troy Branch504 Edwardsville Rd, Troy, IL 62294Directions
Missouri
3 branches
- Fcb Banks Ellisville Branch1300 Clarkson Clayton Center, Ellisville, MO 63011Directions
- Florissant Branch14040 New Halls Ferry Rd, Florissant, MO 63033Directions
- Tesson Ferry Road Branch12000 Tesson Ferry Rd, St. Louis, MO 63128Directions
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 | 8.45% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.76% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.79% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $90 | $88 | — |
- CapitalLeverage ratio8.45%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.76%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.79%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$90Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 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 FCB Banks are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.