Fcb Banks Mortgage Rates, Fees & Info
Collinsville, ILLEI: 549300L8JRY60EOROT34
Tax ID: 37-0458520
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Bank Data
Review & Overview
Fcb Banks is a smaller bank specializing in Home Purchase and Refi loans. Fcb Banks has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: St. Louis, Carbondale, Crestview, Naples, and Mount Vernon among others. We have data for 40 markets. (Some data included below & more in-depth data is available with an active subscription.)Fcb Banks has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Fcb Banks is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.27% | 12/3/24 |
| 30 Year Conventional Purchase | 6.43% | 12/3/24 |
| 30 Year Conventional Refi | 6.43% | 12/3/24 |
| 30 Year Cash-out Refi | 6.53% | 12/3/24 |
| 30 Year FHA Purchase | 7.07% | 12/3/24 |
| 30 Year FHA Refi | 6.97% | 12/3/24 |
| 30 Year VA Purchase | 6.03% | 12/3/24 |
| 30 Year VA Refi | 5.89% | 12/3/24 |
| 30 Year USDA Purchase | 6.29% | 12/3/24 |
| 15 Year Conventional Purchase | 5.74% | 12/3/24 |
| 15 Year Conventional Refi | 5.84% | 12/3/24 |
| 15 Year Cash-out Refi | 5.84% | 12/3/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Fcb Banks Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
2,892Origination Dollar Volume (All Markets)
$583,350,000Employee count
202Awards
FCB Banks - 2021
FCB Banks is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 2,709 | $541,115,000 | $199,747 | $2,001 | 3.04% |
| Outside of Metro Areas | 102 | $19,890,000 | $195,000 | $2,370 | 3.13% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 10 | $2,150,000 | $215,000 | $2,321 | 3.21% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 4 | $1,490,000 | $372,500 | $4,248 | 3.03% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $1,390,000 | $695,000 | $8,281 | 3.98% |
| Mount Vernon, IL (FHA|USDA|VA) | 5 | $1,375,000 | $275,000 | $1,671 | 3.63% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 3 | $1,365,000 | $455,000 | $4,377 | 2.95% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 3 | $1,105,000 | $368,333 | $4,051 | 2.29% |
| Centralia, IL (FHA|USDA|VA) | 8 | $1,050,000 | $131,250 | $1,659 | 2.97% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 4 | $950,000 | $237,500 | $2,466 | 3.15% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 2 | $900,000 | $450,000 | $4,544 | 2.88% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 1 | $855,000 | $855,000 | $5,911 | 3.50% |
| PEORIA, IL (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $2,149 | 2.63% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $5,785 | 3.38% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $0 | 4.20% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $7,434 | 2.56% |
| OCALA, FL (FHA|USDA|VA) | 1 | $705,000 | $705,000 | $0 | 4.00% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $2,137 | 2.67% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $2,060 | 2.67% |
| PANAMA CITY, FL (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $0 | 4.03% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $4,068 | 2.75% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $2,402 | 3.13% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $2,366 | 4.25% |
| DECATUR, IL (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $1,697 | 2.94% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,715 | 3.00% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $10,016 | 2.25% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,349 | 2.75% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,455 | 4.35% |
| COLUMBIA, MO (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 4.10% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,725 | 4.35% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $1,845 | 2.75% |
| Charleston-Mattoon, IL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,340 | 3.50% |
| Taylorville, IL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,555 | 2.25% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,237 | 2.75% |
| McPherson, KS (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,189 | 2.88% |
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,354 | 2.88% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,861 | 2.25% |
| MOBILE, AL (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $0 | 3.06% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,856 | 2.38% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 4.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against FCB Banks based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2021, Fcb Banks's most frequently originated type of loan was Conventional, with 2,698 originations. Their 2nd most popular type was VA, with 94 originations.
Loan Reason
For 2021, Fcb Banks's most frequently cited loan purpose was Home Purchase, with 1,278 originations. The 2nd most popular reason was Refi, with 1,218 originations.
Loan Duration/Length
For 2021, Fcb Banks's most frequently cited loan duration was 30 Year, with 1,140 originations. The 2nd most popular length was Other, with 805 originations.
Origination Fees/Closing Costs
Fcb Banks's average total fees were $2,320, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,293 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| <2.5% | 873 | $148,885,000 | $170,544 |
| 2.5-3% | 873 | $183,585,000 | $210,292 |
| 3-4% | 774 | $195,260,000 | $252,274 |
| 4-5% | 369 | $55,315,000 | $149,905 |
| 5-6% | 1 | $85,000 | $85,000 |
During 2021, Fcb Banks's average interest rate for loans was 2.78%, while their most frequently originated rate bucket for loans was <2.5%, with 873 originations.
Loan Sizing
2021 saw Fcb Banks place emphasis on $100k-200k loans with 1,265 originations, totaling $186,215,000 in origination value.
Applicant Income
Fcb Banks lent most frequently to those with incomes in the $100k-150k range, with 653 originations. The second most popular income band? $50k-75k, with 545 originations.
Applicant Debt to Income Ratio
Fcb Banks lent most frequently to those with DTI ratios of 20-30%, with 744 originations. The next most common DTI ratio? 30-36%, with 530 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications93.31%
Fcb Banks has an average approval rate.
Pick Rate
Approvals leading to origination83.75%
Fcb Banks has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 2,892 | $583,350,000 | $201,712 |
LTV Distribution
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Fcb Banks | 111 Walnut Street Highland, IL 62249 | Full Service B&M | $188,421 |
| Fcb Banks | 12000 Tesson Ferry Rd Saint Louis, MO 63128 | Full Service B&M | $110,535 |
| Fcb Banks | 14-22 East Hanover Street New Baden, IL 62265 | Full Service B&M | $142,591 |
| Fcb Banks | 14040 New Halls Ferry Rd Florissant, MO 63033 | Full Service B&M | $7,928 |
| Fcb Banks | 1501 West Highway 50 O Fallon, IL 62269 | Full Service B&M | $48,787 |
| Fcb Banks | 201 North Commercial Street Albers, IL 62215 | Full Service B&M | $59,519 |
| Fcb Banks | 204 North Main Street Caseyville, IL 62232 | Full Service B&M | $26,482 |
| Fcb Banks | 208 North Bluff Collinsville, IL 62234 | Full Service B&M | $41,078 |
| Fcb Banks | 2610 North Illinois Street Swansea, IL 62226 | Full Service B&M | $223,278 |
| Fcb Banks | 2729 Maryville Road Maryville, IL 62062 | Full Service B&M | $93,963 |
| Fcb Banks | 401 South Illinois Belleville, IL 62220 | Full Service B&M | $33,302 |
| Fcb Banks | 5 South Madison Street Trenton, IL 62293 | Full Service B&M | $49,323 |
| Fcb Banks | 504 Edwardsville Road Troy, IL 62294 | Full Service B&M | $116,917 |
| Fcb Banks | 6659 Center Grove Road Edwardsville, IL 62025 | Full Service B&M | $282,989 |
| Fcb Banks | 700 Colombia Centre Columbia, IL 62236 | Full Service B&M | $56,524 |
| Fcb Banks | 800 Belt Line Rd Collinsville, IL 62234 | Full Service B&M | $338,934 |
| Fcb Banks | 800 Belt Line Road Collinsville, IL 62234 | Limited, Mobile/Seasonal Office | $0 |
| Fcb Banks | 800 Belt Line Road Collinsville, IL 62234 | Full Service Cyber Office | $12,895 |
| Fcb Banks | 800 Belt Line Road, Cities With Branches Collinsville, IL 62234 | Limited, Mobile/Seasonal Office | $0 |
For 2021, Fcb Banks had 19 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $60,395 |
| Net interest income | $49,755 |
| Total noninterest income | $17,672 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $1,878 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $15,794 |
| Pre-tax net operating income | $28,511 |
| Securities gains (or losses, -) | $0 |
| Income before extraordinary items | $20,988 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $20,988 |
| Minority interest net income | $0 |
| Net income | $20,988 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $20,988 |
Fcb Banks's gross interest income from loans was $60,395,000.
Fcb Banks's net interest income from loans was $49,755,000.
Fcb Banks's fee based income from loans was $1,878,000.
Fcb Banks's net income from loans was $20,988,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $10,640 |
| Provision for credit losses | $1,160 |
| Total noninterest expense | $37,756 |
| Salaries and employee benefits | $24,767 |
| Premises and equipment expense | $2,740 |
| Additional noninterest expense | $10,249 |
| Applicable income taxes | $7,523 |
| Net charge-offs | $-125 |
| Cash dividends | $10,250 |
Fcb Banks's interest expense for loans was $10,640,000.
Fcb Banks's payroll and benefits expense were $24,767,000.
Fcb Banks's property, plant and equipment expenses $2,740,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 0.0% |
| Real Estate loans | 0.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 0.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 0.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 0.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.0% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $1,785,260 |
| Deposits held in domestic offices | $1,785,260 |
| Deposits by Individuals, partnerships, and corporations | $1,705,397 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $79,863 |
| Deposits by Commercial banks and other depository institutions in U.S. | $0 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $624,500 |
| Demand deposits | $307,392 |
| Nontransaction accounts | $1,160,760 |
| Money market deposit accounts (MMDAs) | $510,459 |
| Other savings deposits (excluding MMDAs) | $243,850 |
| Total time deposits | $406,451 |
| Total time and savings deposits | $1,477,868 |
| Noninterest-bearing deposits | $307,392 |
| Interest-bearing deposits | $1,477,868 |
| Retail deposits | $1,742,481 |
| IRAs and Keogh plan accounts | $71,442 |
| Brokered deposits | $0 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $2,026,686 |
| Cash & Balances due from depository institutions | $289,463 |
| Interest-bearing balances | $272,234 |
| Total securities | $400,505 |
| Federal funds sold & reverse repurchase | $20,591 |
| Net loans and leases | $1,276,337 |
| Loan and leases loss allowance | $13,756 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $20,319 |
| Other real estate owned | $140 |
| Goodwill and other intangibles | $3,339 |
| All other assets | $15,992 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $2,026,686 |
| Total Liabilities | $1,854,123 |
| Total deposits | $1,785,260 |
| Interest-bearing deposits | $1,477,868 |
| Deposits held in domestic offices | $1,785,260 |
| % insured (estimated) | $86 |
| Federal funds purchased and repurchase agreements | $65,613 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $0 |
| All other liabilities | $3,250 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $1,276,337 |
| Loan and leases loss allowance | $13,756 |
| Total loans and leases (domestic) | $1,290,093 |
| All real estate loans | $1,137,326 |
| Real estate loans in domestic offices | $1,137,326 |
| Construction and development loans | $100,368 |
| Residential 1-4 family construction | $57,734 |
| Other construction, all land development and other land | $42,634 |
| Loans secured by nonfarm nonresidential properties | $233,704 |
| Nonfarm nonresidential secured by owner-occupied properties | $89,094 |
| Commercial real estate & other non-farm, non-residential | $144,610 |
| Multifamily residential real estate | $158,024 |
| 1-4 family residential loans | $596,620 |
| Farmland loans | $48,610 |
| Loans held in foreign offices | $0 |
| Farm loans | $17,106 |
| Commercial and industrial loans | $62,323 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $70,713 |
| Credit card loans | $0 |
| Related Plans | $0 |
| Consumer Auto Loans | $59,075 |
| Other loans to individuals | $11,638 |
| All other loans & leases | $2,625 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $1,546 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $0 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $4,961 |
| Non 1-4 family restructured loans & leases | $2,866 |
| Total loans and leases (foreign) | $0 |
FCB Banks had $1,276,337,000 of loans outstanding in 2021. $1,137,326,000 of loans were in real estate loans. $100,368,000 of loans were in development loans. $158,024,000 of loans were in multifamily mortgage loans. $596,620,000 of loans were in 1-4 family mortgage loans. $17,106,000 of loans were in farm loans. $0 of loans were in credit card loans. $59,075,000 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 526 | $94,543 | $179,740 |
| Nonfarm, nonresidential loans - <$100k | 157 | $6,890 | $43,885 |
| Nonfarm, nonresidential loans - $100-250k | 179 | $21,253 | $118,732 |
| Nonfarm, nonresidential loans - $250k-1MM | 190 | $66,400 | $349,474 |
| Commercial & Industrial, US addressed loans - <$1MM | 869 | $44,045 | $50,685 |
| Commercial & Industrial, US addressed loans - <$100k | 735 | $16,807 | $22,867 |
| Commercial & Industrial, US addressed loans - $100-250k | 64 | $5,988 | $93,563 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 70 | $21,250 | $303,571 |
| Farmland loans - <$1MM | 132 | $17,358 | $131,500 |
| Farmland loans - <$100k | 42 | $1,682 | $40,048 |
| Farmland loans - $100-250k | 55 | $6,139 | $111,618 |
| Farmland loans - $250k-1MM | 35 | $9,537 | $272,486 |
| Agriculture operations loans - <$1MM | 41 | $2,294 | $55,951 |
| Agriculture operations loans - <$100k | 27 | $717 | $26,556 |
| Agriculture operations loans - $100-250k | 11 | $1,195 | $108,636 |
| Agriculture operations loans - $250k-1MM | 3 | $382 | $127,333 |