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First Community National Bank

Popular Accounts at this Bank

4.01%Reward CheckingReal Life Interest Checking
1.40%5-year CD60 Month CD
0.45%1-year CD12 Month CD

Overview / Commentary
407 North Franklin
Cuba, MO 65453

First Community National Bank is headquartered in Cuba and is the 132nd largest bank in the state of Missouri. It is also the 3,316th largest bank in the nation. It was established in 1906 and as of June of 2017, it had grown to 85 employees at 7 locations. First Community National Bank has a D health rating.

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Reviews (2)

Best of the local banks

Posted by: Art | Jun 8, 2015

First Community National Bank is a hometown bank with several branches in nearby towns. They offer financial advice on retirement plans, such as IRA's, etc. They also offer a variety of interest bearing CD's. The best thing I like is their online banking service so you can bank from home on just about everything you need. You can check your checking and savings accounts, have monthly payments set up to pay each month on an automatic basis if you wish, transfer funds from one account to another and even have the savings tied into your checking to provide overdraft protection. As far as service goes, the staff would be hard to beat. They are very capable of answering all my questions as well as helping on problems. Some time ago we had an unauthorized withdrawal from our checking account so I called the vice president and she traced it down and took care of the problem in no time. Great Service! We also have our incomes set up on direct deposit and they show up like clockwork. Our checking account is also an interest bearing account depending on what our balance is for each month, as to the amount of interest we get. They offer other type of checking accounts such as student checking accounts for young people who just want a simple checking account with no fees included. All their accounts also offer free checking.

This Bank Should Get A Minus Rating

Posted by: Anonymous | Sep 19, 2011


This banking institution does care about their customers! they are rude, do not return calls if something goes over the amount you have in the bank yet you make a deposit on the same day, maybe 5 minutes afterwards, and they still charge you $30.00, and say its your fault. If you have 2 checks come in at 3:30 pm, 1 for $5.00 and one for $220, and you have 190 in the bank, they will take the $220 out first then charge you $60. you arrive at the bank at 4:00 pm and deposit $500. They don't care, saying "you should have been here before 10 am not our problem they say"......

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. First Community National Bank has a negative return on equity.

Health Grade Components

FDIC Certificate #1639
Year Established1906
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD-2.89%
Return on Equity - YTD-34.88%
Annual Interest Income$3.7MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$167.9MM$201.2MM
LoansQ2 2017vs Q2 2016$113.1MM$134.0MM
DepositsQ2 2017vs Q2 2016$151.1MM$163.1MM
Equity CapitalQ2 2017vs Q2 2016$14.0MM$17.0MM
Loan Loss AllowanceQ2 2017vs Q2 2016$3.5MM$2.4MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$10.8MM$9.0MM
Real Estate OwnedQ2 2017vs Q2 2016$3.0MM$5.3MM
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Community National Bank Savings Account Rates

1.00%-$2,500Vacation Club
1.00%-$2,500Christmas Club

First Community National Bank Checking Account Rates

4.01%*-$10kReal Life Interest Checking
OTHER TIERS: 0.01% $10k+

First Community National Bank CD Rates

1.40%$10k-60 Month CD
1.15%$10k-48 Month CD
1.15%$5k-21 Month CD Special
0.85%$10k-36 Month CD
0.65%$10k-24 Month CD
0.65%$5k-11 Month CD Special
0.45%$500-12 Month First Savers CD
0.45%*$10k*-12 Month CD
OTHER TIERS: 0.10% $1k - $10k
0.35%$10k-6 Month CD
0.20%$10k-3 Month CD
0.18%$10k-45 Days CD
0.15%$10k-30 Days CD

First Community National Bank Locations
Sullivan Branch1 Community PlazaSullivan, MO 63080
Bishop Branch212 South Bishop AvenueRolla, MO 65401
North Bishop Avenue Branch2323 North Bishop AvenueRolla, MO 65401
Steelville Branch402 West Main StreetSteelville, MO 65565
First Community National Bank407 North FranklinCuba, MO 65453
Eureka Branch450 Meramec BoulevardEureka, MO 63025
Vienna BranchHighway 63 SouthVienna, MO 65582