Lender record
FCNB Bank
The real lending record — every figure from funded deals. HQ: 402 W Main St, Steelville, MO. 6 branches.
10
Recent deals (FY20+)
$350K
Typical deal
—
Approval → funding
Where FCNB Bank lends
Deals FCNB Bank funded — list all 10 as text
- KK's Caffe' Dolci, LLC — Saint James · $180K · FY2026 · Snack and Nonalcoholic Beverage Bars
- JKD Bros, LLC — Sullivan · $1.7M · FY2025 · Snack and Nonalcoholic Beverage Bars
- SWMO Baseball Properties, LLC — Ozark · $350K · FY2025 · Promoters of Performing Arts, Sports, and Similar Events wit
- Green Consumer Products, LLC — Steelville · $350K · FY2025 · Farm Supplies Merchant Wholesalers
- Ron Dishman Towing Inc — Rolla · $74K · FY2025 · Motor Vehicle Towing
- EML Enterprises, LLC — Steelville · $275K · FY2024 · Plumbing, Heating, and Air-Conditioning Contractors
- Ron Dishman Towing, Inc. — Rolla · $100K · FY2024 · Motor Vehicle Towing
- Green Consumer Products, LLC — Steelville · $978K · FY2023 · Nursery, Garden Center, and Farm Supply Retailers
- IIN Enterprises, Inc. — Rolla · $167K · FY2023 · Postal Service
- Qlarity Access, Inc. — Cuba · $765K · FY2021 · Marketing Research and Public Opinion Polling
Deal profile
Most FCNB Bank deals land between $167K and $765K — that range covers half of everything they fund. Top industries and states:
Industries they fund most
- 1.Snack and Nonalcoholic Beverage Bars (2)
- 2.Motor Vehicle Towing (2)
- 3.Promoters of Performing Arts, Sports, and Similar Events wit (1)
- 4.Farm Supplies Merchant Wholesalers (1)
- 5.Plumbing, Heating, and Air-Conditioning Contractors (1)
- 6.Nursery, Garden Center, and Farm Supply Retailers (1)
- 7.Postal Service (1)
- 8.Marketing Research and Public Opinion Polling (1)
Most active states
- 1.Missouri (10 deals)
Franchises they finance most
Can FCNB Bank fund you? The bank behind the loans
Total assets
$216.3M
▲ 3.8% vs prior quarter
Deposits on hand
$192.3M
▲ 4.2% vs prior quarter
Loans outstanding
$133.9M
▲ 4.4% vs prior quarter
Net income (latest qtr)
$300K
- •SBA is a sideline here — this year's production is a rounding error against the loan book. Your deal competes with everything else they'd rather fund; a specialist bank will usually move faster. That makes FCNB Bank more SBA-focused than 65% of the banks on our record.
- •Deposits grew last quarter — more raw lending capacity than the quarter before.
- •Return on assets of 0.57% — under the ~1% mark generally considered strong for a bank. How any of this translates to your rate is a question for the loan officer — pricing is set deal by deal.
FDIC call-report data, quarter ending 03/2026.
Walk into a FCNB Bank branch (6)
Fcnb BankMain office402 W Main StSteelville, MO 65565 · since 1906
Sullivan Branch1 Community PlzSullivan, MO 63080 · since 1933
Cuba Branch407 N Franklin StCuba, MO 65453 · since 1984
North Bishop Avenue Branch2323 N Bishop AveRolla, MO 65401 · since 2001
Eureka Branch450 Meramec BlvdEureka, MO 63025 · since 2005
Bishop Branch212 S Bishop AveRolla, MO 65401 · since 2007
Branch data: FDIC BankFind.
Recent deals
- KK's Caffe' Dolci, LLC in Saint James, MO — $180K (2026) · Snack and Nonalcoholic Beverage Bars
- Program
- 7a General
- Rate at approval
- 8% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $135K (75%)
- Approval → funding
- 8 days
- Approved
- 1/6/2026
- First disbursed
- 1/14/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 3
- Business age
- Existing or more than 2 years old
- Industry
- Snack and Nonalcoholic Beverage Bars
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- JKD Bros, LLC in Sullivan, MO — $1.7M (2025) · Snack and Nonalcoholic Beverage Bars
- Program
- 7a General
- Rate at approval
- 7.25% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $1.3M (75%)
- Approved
- 3/14/2025
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Franchise
- Scooter's Coffee
- Jobs supported
- 12
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
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- SWMO Baseball Properties, LLC in Ozark, MO — $350K (2025) · Promoters of Performing Arts, Sports, and Similar Events wit
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 8% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $175K (50%)
- Approval → funding
- 4 days
- Approved
- 1/3/2025
- First disbursed
- 1/7/2025
- Loan status
- Paid in full (10/31/2025)
- Loan type
- Revolving line
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Existing or more than 2 years old
- Industry
- Promoters of Performing Arts, Sports, and Similar Events wit
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- Green Consumer Products, LLC in Steelville, MO — $350K (2025) · Farm Supplies Merchant Wholesalers
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 7.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $175K (50%)
- Approval → funding
- 22 days
- Approved
- 7/1/2025
- First disbursed
- 7/23/2025
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Existing or more than 2 years old
- Industry
- Farm Supplies Merchant Wholesalers
Your business? Claim this record · Request removal
- Ron Dishman Towing Inc in Rolla, MO — $74K (2025) · Motor Vehicle Towing
- Program
- 7a General
- Rate at approval
- 8.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $63K (85%)
- Approval → funding
- 7 days
- Approved
- 1/31/2025
- First disbursed
- 2/7/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- Existing or more than 2 years old
- Industry
- Motor Vehicle Towing
Your business? Claim this record · Request removal
- EML Enterprises, LLC in Steelville, MO — $275K (2024) · Plumbing, Heating, and Air-Conditioning Contractors
- Program
- 7a General
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $206K (75%)
- Approval → funding
- 7 days
- Approved
- 6/26/2024
- First disbursed
- 7/3/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
Your business? Claim this record · Request removal
- Ron Dishman Towing, Inc. in Rolla, MO — $100K (2024) · Motor Vehicle Towing
- Program
- 7a General
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $85K (85%)
- Approval → funding
- 0 days
- Approved
- 9/26/2024
- First disbursed
- 9/26/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 8
- Business age
- Existing or more than 2 years old
- Industry
- Motor Vehicle Towing
Your business? Claim this record · Request removal
- Green Consumer Products, LLC in Steelville, MO — $978K (2023) · purchase · Nursery, Garden Center, and Farm Supply Retailers
- Program
- 7a General
- Rate at approval
- 7.5% fixed
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $733K (75%)
- Approval → funding
- 11 days
- Approved
- 7/31/2023
- First disbursed
- 8/11/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Change of Ownership
- Industry
- Nursery, Garden Center, and Farm Supply Retailers
If you were the buyer here
- Est. deal size
- $1.1M
- Est. down payment (10%)
- $109K
- Est. cash at closing
- $149K
- Monthly payment
- $7,224
- Annual debt service
- $87K
- Cash flow needed (1.25×)
- $108K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Your business? Claim this record · Request removal
- IIN Enterprises, Inc. in Rolla, MO — $167K (2023) · purchase · Postal Service
- Program
- 7a General
- Rate at approval
- 9.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $125K (75%)
- Approval → funding
- 107 days
- Approved
- 6/14/2023
- First disbursed
- 9/29/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Franchise
- The UPS Store
- Jobs supported
- 7
- Business age
- Change of Ownership
- Industry
- Postal Service
If you were the buyer here
- Est. deal size
- $185K
- Est. down payment (10%)
- $19K
- Est. cash at closing
- $25K
- Monthly payment
- $2,132
- Annual debt service
- $26K
- Cash flow needed (1.25×)
- $32K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Your business? Claim this record · Request removal
- Qlarity Access, Inc. in Cuba, MO — $765K (2021) · Marketing Research and Public Opinion Polling
- Program
- 7a General
- Rate at approval
- 5.5% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $574K (75%)
- Approval → funding
- 42 days
- Approved
- 12/11/2020
- First disbursed
- 1/22/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 140
- Business age
- Existing or more than 2 years old
- Industry
- Marketing Research and Public Opinion Polling
Your business? Claim this record · Request removal
Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.
One of these businesses yours? Claim your listing or request removal.
Work at FCNB Bank?
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Businesses FCNB Bank financed
8 businesses on record. Each links to its full SBA record.
- JKD Bros, LLCSullivan, MO · 1 loan$1.7M
- Green Consumer Products, LLCSteelville, MO · 2 loans$1.3M
- Qlarity Access, Inc.Cuba, MO · 1 loan$765K
- SWMO Baseball Properties, LLCOzark, MO · 1 loan$350K
- EML Enterprises, LLCSteelville, MO · 1 loan$275K
- KK's Caffe' Dolci, LLCSaint James, MO · 1 loan$180K
- Ron Dishman Towing, Inc.Rolla, MO · 2 loans$174K
- IIN Enterprises, Inc.Rolla, MO · 1 loan$167K
Work at FCNB Bank?
Claim this profile to keep your record accurate, route buyer leads to your team, or sponsor your placement in the rankings.
CapBench analysis of public lending records, FY2020–present. Not affiliated with FCNB Bank.
Agent summary
This page summarizes FCNB Bank's public SBA 7(a) lending record — deal sizes, industries, geography, and FDIC profile — from CapBench SBA Intelligence. CapBench is not a lender and does not originate or approve loans.
- 10 SBA 7(a) loans on record
- $350K typical deal
- 2 business-acquisition loans
- HQ: 402 W Main St, Steelville, MO
- 6 FDIC branch locations
- FDIC total assets $216.3M
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
- Methodology:
- Sources & methodology
- Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
- Figures come from public records and CapBench methodology; verify before relying on them.
- Lender matches are informational and based on public lending activity — they do not guarantee lender interest or approval.
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