🏦Bank Scorer

FCN BANK, NATIONAL ASSOCIATION

BROOKVILLE, IN · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1900FDIC #4,319
Outstanding Same

Current rating · Exam: June 2024

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.97%

Institution Profile

FDIC BankFind

Address

501 Main St, BROOKVILLE, IN

County

Franklin County

Established

January 1, 1900

Total Assets

$798M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

June 10, 2024

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Jun 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$798M

Total Deposits

$697M

Net Loans

$521M

Net Income

$2M

ROA

0.97%

ROE

12.47%

Risk-Based Capital

15.28%

Regulatory minimum: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate5.06%Peer avg: 7.63%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

6

Branch Deposits

$694M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202423786.5%5.06%
202334781.27%8.07%
202232373.07%13.93%
202158377.02%11.32%
202090283.15%7.65%
201935381.3%8.50%
201832372.14%15.79%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

8 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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