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FCB Banks Rates & Review April 2026

Q: Is FCB Banks a safe place to deposit money?

Yes, FCB Banks is considered a safe financial institution. With a Texas Ratio of 3.7229758638915%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

Q: How many branches does FCB Banks operate?

FCB Banks currently maintains approximately 20 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, FCB Banks does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, FCB Banks provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 18, 2026

FCB Banks's Personal Loan Rates are at 4.74%. MonitorBankRates evaluates the financial stability of FCB Banks with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.72%. Rates were last updated on 04/18/2026.

FCB Banks money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at FCB Banks? Share your experience about FCB Banks by leaving a review below, or read customer reviews before you decide to use FCB Banks.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.72%

Excellent Lower than avg

FCB Banks

800 Belt Line Rd
Collinsville, IL 62234

https://www.fcbbanks.com

FCB Banks Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loan	-	-	4.74%
Details As Low As Last Updated 04/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for FCB Banks is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather FCB Banks rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with FCB Banks's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name FCB Banks

Bank Holding Company FIRST CO BCORP INC

Address 800 Belt Line Rd, Collinsville, IL 62234 · Madison

Website https://www.fcbbanks.com

FDIC Certificate # 33005

Established 07/09/1990

FDIC Insurance Date 07/09/1990

Domestic Offices 20

Total Branches 20

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

5.0

Exceptional Out of 5.0 Stars

3.72%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.8325%

Return on Equity (ROE) 11.4700%

Non-Performing Loans (NPL) 0.22%

Total Assets $2,595,483,000

Total Deposits $2,207,469,000

Equity Capital $211,270,000

Net Income $41,267,000

Headquarters Collinsville

Total Offices 20

Source: FDIC | Last Updated 12/31/2025

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Frequently Asked Questions About FCB Banks

Is FCB Banks a safe place to deposit money?

Yes, FCB Banks is considered a safe financial institution. With a Texas Ratio of 3.7229758638915%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does FCB Banks operate?

FCB Banks currently maintains approximately 20 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, FCB Banks does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, FCB Banks provides members with tools to manage their accounts and build a solid financial history.

Does FCB Banks offer online and mobile banking?

Most modern institutions like FCB Banks provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.fcbbanks.com.