Question 1

What is FCN Bank?

Accepted Answer

FCN Bank is a community-focused national bank operating in southeastern Indiana and southwestern Ohio. With approximately $775 million in assets and 6 branch locations, FCN Bank provides personal and commercial banking services tailored to individuals, businesses, and farmers in the Cincinnati metropolitan area.

As a federally chartered national bank supervised by the Office of the Comptroller of the Currency (OCC), FCN Bank maintains FDIC insurance and operates with full trust powers. The bank emphasizes relationship banking and community development while offering modern digital banking solutions.

Question 2

When was FCN Bank founded?

Accepted Answer

FCN Bank was founded in 1901 in Brookville, Indiana. The bank was established to serve the banking needs of the local agricultural and business community in Franklin County and surrounding areas.

Over its 120+ year history, FCN Bank has evolved from a small-town financial institution into a regional community bank serving southeastern Indiana and parts of Ohio. The bank has maintained its commitment to community banking principles while adapting to modern financial service delivery methods.

Question 3

Where is FCN Bank headquartered?

Accepted Answer

FCN Bank is headquartered in Brookville, Indiana, located in Franklin County. The main office is situated at 501 Main Street in downtown Brookville.

Brookville, a small town with deep historical roots, serves as the operational center for the bank's activities throughout the region.

Question 4

Where does FCN Bank operate?

Accepted Answer

FCN Bank operates 6 branch locations across southeastern Indiana and southwestern Ohio, primarily serving the Cincinnati metropolitan statistical area. The bank's footprint includes:
• Brookville, Indiana - Main office and headquarters
• Batesville, Indiana - Full-service branch
• Sunman, Indiana - Full-service branch  
• Connersville, Indiana - Full-service branch
• Lawrenceburg, Indiana - Full-service branch
• Harrison, Ohio - Full-service branch

This geographic positioning allows FCN Bank to serve both rural and suburban communities throughout Franklin, Ripley, Fayette, and Dearborn counties in Indiana, as well as Hamilton County in Ohio.

Question 5

What services does FCN Bank offer?

Accepted Answer

FCN Bank provides a comprehensive range of personal and commercial banking products designed for community banking customers:

Personal Banking Services include checking accounts, savings accounts, money market accounts, health savings accounts (HSAs), individual retirement accounts (IRAs), and certificates of deposit. The bank offers various consumer loan products including home mortgages, home equity loans, home equity lines of credit, auto loans, and personal loans.

Commercial Banking Services encompass business checking and savings accounts, commercial real estate loans, working capital lines of credit, small business loans, farm loans, and equipment financing. FCN Bank has developed particular expertise in agricultural lending, reflecting its rural Indiana roots.

Digital Banking Services include online banking platforms, mobile banking applications for iOS and Android devices, mobile check deposit, bill pay services, e-statements, and cash management tools for businesses. The bank also supports digital payment platforms including merchant services, direct deposit, and payroll services.

Question 6

What makes FCN Bank unique?

Accepted Answer

FCN Bank distinguishes itself through its focused community banking approach and strategic growth through acquisition. In March 2020, FCN Bank completed its merger with Dearborn Savings Bank, acquiring approximately $152 million in additional assets. This transaction created what was described as "the largest community bank headquartered in southeastern Indiana."

The bank's loan portfolio reveals a distinctive focus on small business lending, with a significantly higher concentration in this segment compared to peer institutions in Indiana. This specialization demonstrates FCN Bank's commitment to supporting local entrepreneurship and economic development.

FCN Bank maintains strong financial performance metrics with a Return on Assets (ROA) of 0.77% and Return on Equity (ROE) of 11.4%, indicating efficient management and profitability. The bank's Texas Ratio of 0.19% reflects minimal credit risk and strong asset quality.

With 127 employees serving approximately $676 million in deposits, FCN Bank emphasizes personalized customer relationships while leveraging modern banking technology to compete effectively with larger regional institutions.

Question 7

What type of financial institution is FCN Bank?

Accepted Answer

FCN Bank is a National Bank operating under a federal charter issued by the Office of the Comptroller of the Currency. This designation means FCN Bank is supervised at the federal level and must include "National Association" or "N.A." in its legal name.

As a national bank, FCN Bank is a member of the Federal Reserve System (specifically the Chicago Federal Reserve District) and carries FDIC insurance under certificate number 4319. The national charter provides FCN Bank with broader operational flexibility compared to state-chartered institutions, including standardized interstate banking capabilities and uniform regulatory oversight.

The bank operates as a traditional community bank, focusing on relationship-based banking services for local markets rather than pursuing the scale-driven strategies of larger regional or national banking companies. FCN Bank is held by FCN Banc Corp., a bank holding company registered with RSSD number 1134069.

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About FCN Bank in the United States