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The Lifecycle of a Community Bank

By Scott Perkins, FCNB President & CEO

If you’ve ever participated in career day at a local elementary school, you’ll probably relate to this story. A banking colleague visits her son’s kindergarten class and amid explaining the role of a banker, one eager child pipes up and says, “It’s like the lifecycle of a plant!” 

He’s right—community banks like First Community National Bank take in deposits and distribute loans and feed into a self-sustaining micro-economy by keeping funds right here in our community.

The idea of “sustainability” is linked to a lot of our local activities these days—whether it’s reusing or recycling products that otherwise might be tossed out, sampling culinary delights from the local bakery or family-run diner, or choosing to buy American-made products to support our national economy. There are plenty of reasons why eating, dining and banking locally makes good economic sense.

It’s all part of a symbiotic relationship that community banks have with their communities. Funds taken in by the community are put to productive use by lending that money back into the community economic ecosystem—to local small businesses and residents just like you.

When you deposit money at FCNB, those funds are used to support local businesses, homebuyers, and everyday consumers. And the proceeds from those businesses employ local residents, fund municipalities, and continue the cycle of locally based economic growth. I encourage everyone to consider what it means to bank locally and help sustain Main Street today, tomorrow and for generations to come.

Stop by FCNB or search for one of our community bank locations at www.banklocally.org to discuss your financial situation and learn how a community bank can help you realize your financial dreams—and contribute to a more vibrant and sustainable economy in your community.

Remember—we’re all in this together. Community banks are only successful if our customers and communities are too. That’s why the community bank and its relationship business model have thrived for more than 150 years. We know what it takes to create successful local economies—join us in helping to build a more sustainable, vibrant economy here at home! 



First Community National Bank is committed to banking as it should be: supporting our community and helping families become stronger, through trust and service. 


On March 16, 1906, the Bank of Leasburg was established with a capital stock of $10,000 subscribed by L.A. Evans, Elliott Davis, Leo A. Fisher, John R. King, J.W. Waller, James N. Smith, Daniel Foster, Thomas Hogg, Justin Perrigue, A.J. Barnett, Wm. Fitzgerald, C.M. Fitzgerald, Edward L. Perrigue, Mark H. Kelly, James A. McInnis, J.C. West and E.L. West.  The first board of directors consisted of J.W. Waller, E.L. West, Leo A. Fisher, J.C. West, and James N. Smith.  The bank’s motto was:  “Safety, Service and Security”.   The first cashier of the Bank of Leasburg was James N. Smith; Luther A. Evans became cashier in October 1906 and served for several years.

For a few years after the financial crisis of 1929, the Crawford County seat of Steelville, Missouri did not have a bank of its own.  The citizens of the town soon realized that for a community to grow and prosper, it needed a bank of its own.  On October 2, 1934, the Bank was moved to Steelville, Missouri, and the name changed to Community Bank.  C.M. Fitzgerald became the President of the new Community Bank.  Following Mr. Fitzgerald was W.A. McInnis who served as President from the mid 1940s to 1956.

In 1960, the Community Bank built a new banking facility on Main Street in Steelville under the leadership of E.W. Gravatt, who was Director and President from 1956 to 1961.  In 1961, the role of President was turned over to L.J. “Tick” Perkins.  Mr. Perkins remained the CEO & President until 1976 when the family operation was turned over to his son, Paul E. Perkins.  In 1979, the Community Bank moved down the street to its current location at 402 W. Main Street in Steelville.

On February 1, 1983, the bank’s name changed to First Community National Bank of Crawford County as a result of the plans to open a second location in Cuba, Missouri.  At that time, the bank also changed from a state chartered bank to a national chartered bank.  In 1984, the Cuba Financial Center was opened and then remodeled and expanded in 2005.

With further expansion, the bank’s name changed to First Community National Bank when they acquired the Boatmen’s Community Federal in Sullivan and opened the Sullivan Financial Center in 1991.  In 2002, the Rolla North Financial Center was opened followed by the Eureka Financial Center in 2005.  FCNB's sixth location, a second branch in Rolla, opened in 2007. 

Under the leadership of Chairman of the Board Paul E. Perkins, the family operations have now expanded to the third generation. Currently, Scott Perkins serving as President and Chief Executive Officer of FCNB and Julie Perkins Settles serves as the President of FCNB Insurance Services, Inc. and FCNB Financial Services, Inc. Today, First Community National Bank remains a strong and progressive independent, community bank serving the communities of Steelville, Cuba, Sullivan, Rolla, and Eureka.

Board of Directors

Paul Perkins Paul Perkins - Chairman of the Board

Paul became the President and CEO of First Community National Bank in 1976 after his father L.J. "Tick" Perkins stepped down from the family operations. In 2015, Paul turned over the daily operations of the bank to his children, Mark, Scott and Julie. Paul still plays an active part of the strategic operations of the bank, serving as Chairman of the Board. After graduating from Steelville High School, Paul served as a Commissioned Officer in the US Army during the Vietnam conflict. Paul received his Bachelor of Science degree in Business Finance from Missouri State University in 1970 and his MBA in Finance from the University of Missouri - Columbia in 1971. In 1979, he received a Graduate Degree in Banking from the University of Wisconsin - Madison. He is currently serving as the President of Gibbs Care Center and as an Elder of Steelville Presbyterian Church. He has been the past Treasurer of the Missouri Bankers Association, past President of the Steelville Area Chamber of Commerce and along with his wife Linda, received the 2009 Steelville Chamber Citizens of the Year Award. During his fifty year career with FCNB, he served as President and CEO for thirty years, expanding the bank locations to seven markets, organized the inception of FCNB Insurance in 2003, which is now in 14 locations throughout Missouri, and steered the bank through vast regulatory, technological and economic changes through the years. Today, Paul owns and operates Perkins Cattle Farms and is an avid supporter of the Steelville Arts Council and the Steelville Booster Club. Paul resides in Steelville with his wife, Linda. Together, they have three grown children, Mark, Scott and Julie, and nine grandchildren, Naomi, James, Marli, Aiden, John, Emeri, Claire, Adalei. and Madelyn.

Scott Perkins - President & CEO

Scott is the President and Chief Executive Officer of First Community National Bank and the Vice-Chairman of Steelville Community Banc-shares, Inc. Scott is a 1999 graduate of Maryville University with a Bachelor of Science degree in Business and Administration with an emphasis in Management. Scott also graduated in 2002 from the Graduate School of Banking at the University of Wisconsin. In addition to being a member of the Board of Directors, Scott is currently a member of the Missouri Independent Bankers Association Board of Directors, a Board Member of the Steelville R-3 School District, the President of the Steelville Arts Council, a Board Member of the Steelville Scholarship Foundation, a member of the Steelville Area Chamber of Commerce and a past Board Member of the Missouri Bankers Association Young Bankers Leadership Division. Scott is also a sports enthusiast and avid coach. Scott resides in Steelville with his wife, Dawn and four daughters: Naomi, Marli, Emeri and Adalei.

James D. Cottrell

Jim became a FCNB Board of Directors member in 1999 representing the Steelville and Cherryville area.  Jim serves as the President of the Crawford Electric Cooperative, a Director of Show Me Power and as President of the Ozark Trail Blazers Association.  He also owns and operates Cottrell Farms.  Jim resides in Cherryville with his wife, Joyce.  They have two children, Lance Cottrell and Shannon Harmon, two granddaughters and one grandson.


Herbert J. Baumann

Herbert became a FCNB Board of Directors member in 2005 representing the Eureka, St. Louis and surrounding areas. Herbert is the President of Baumann Property Company, Inc, a company that he founded 28 years ago specializing in real estate investment and management.  He is also owner of West County Contracting and Maintenance, as well as several real estate investments in St. Louis and Southern Illinois. Herbert resides in Ballwin and has two grown children and two grandsons.


John Hewkin

John became a FCNB Board of Directors member in 2009 representing the Cuba and Sullivan communities. John was raised in Cuba and graduated from Cuba High School in 1979. He attended East Central College in Union and was a member of the basketball team. After marrying Lynne Medows, the couple moved to St. Louis while John attended the St. Louis College of Pharmacy. After graduating, they returned to Cuba and purchased Towne Pharmacy from Larry Davis in 1987. In 1994, John and his partners started Mid-Missouri Infusion, a home medical equipment company. In 1995, the business was purchased by Rotech Medical and John remained on staff, managing eleven locations. In 2001, he returned to Towne Pharmacy and later purchased the Medicine Cabinet Pharmacy in Sullivan in 2009. In 2013, he sold Towne Pharmacy to the Sinks Pharmacy Group and then sold the Medicine Cabinet to the Clarks Pharmacy Group in 2014. John is currently an investor in the Sullivan Country Club. John and his wife, Lynne, reside in Sullivan and have four children and nine grandchildren. John and Lynne attend Temple Baptist Church in Sullivan.

Julie Settles

Julie is the President of FCNB Insurance Services, Inc. and FCNB Financial Services, Inc.  She was elected to the FCNB Board of Directors in 2014. In 2002, Julie graduated with a Bachelor of Science Degree in Accounting from the University of Kentucky. With over fourteen years of experience in the financial and insurance industries, Julie currently holds a Series 7 and 63 license and Property & Casualty, Life and Health insurance licenses. Julie is Board Member of the Mound Ridge Retreat and Mission Center and an active member of the Steelville Presbyterian Church, the Steelville Chamber of Commerce, the Steelville Arts Council and the Tri-C Club. She resides in Steelville with her husband Alex and their three children, Aiden, Claire, and Madelyn.


John W. Perkins

John was elected to the FCNB Board of Directors in 2015. He is a 1966 graduate of the University of Missouri – Rolla (Missouri S&T) and is a Vietnam War veteran. Following his military service, John had a lengthy career as an intelligence officer and served in many overseas locations. After retiring from his governmental duties, he worked as an executive director for Northrup Grumman Corporation and is currently a Vice-President for MELE Associates in Rockville, MD. Together with his wife Robbie, they have three grown children and six grandchildren. John and Robbie reside in Rolla, MO.


Terry Baker

Terry joined the FCNB Board of Directors in 2018 as an Advisory Board Member and was elected as Board Director in 2019. He is the founder and owner of Paul's Furniture Outlet with locations in Rolla and St. Robert and operates a 900 head cow/calf operation. With extensive management experience, Terry has previously owned and operated a mobile home park, served for over sixteen years as store manager at IGA Grocery Store in St. Robert, was the founder of a wholesale import business with warehouses in Georgia, Texas and Rolla, Missouri and served on the Board of Directors for First State Bank in St. Robert, a branch of the Maries County Bank. After graduating from Rolla High School, he received his degree in Consumer Electronics from the Rolla Technical Institute and studied Civil Engineering at Missouri University of Science and Technology in Rolla. Terry and his wife Debra have resided in the Rolla-St. Robert area their entire lives.

Scott Gahr

Scott was elected to the FCNB Board of Directors in 2020. He is an active member of the community through business, organizational involvement and friendships. Scott owns and operates three trucking companies; St. James Transports LLC, Central Missouri Transports LLC and Central Missouri Transfer LLC. Scott and his wife Barb also own Gahr Truck & Equipment, Inc, an international Truck and Engine Corporation and Cummins Diesel Dealership, and Gahr Outdoor Superstore, which offers lawn and garden equipment dealer for Ferris, Husqvarna and STIHL. Scott is a member of the First Church of God and has served as the past Chairman of the Church Council. Scott has also served two three-year terms as a school board member for the St. James R-1 School District. Scott and his wife Barb reside in St. James and together have five children and fourteen grandchildren.  

Anita Agers-Brooks

Anita Agers-Brooks joined the FCNB Board of Directors in 2020. Anita motivates people to dynamic breakthroughs as an inspirational business and life coach, international speaker, and certified personality trainer. As an award-winning author, Anita educates and inspires people to make a difference and use their influence for a positive impact. She co-authored Death Defied, Life Defined: A Miracle Man’s Memoir with FCNB’s Chairman of the Board Paul Perkins. Her latest books are Exceedingly: Spiritual Strategies for Living on Purpose, with Purpose, and for an Abundant Purpose and Getting Through What You Can’t Get Over. Anita also hosts a popular podcast Tending Your Dreams that can be discovered on various podcast platforms or at tendyourdreams.com or anitabrooks.com. In her personal time, Anita enjoys walking, hula hooping, coffee dates with friends and family, Bible study, reading, writing, and inspiring people to fully live and enjoy their God-given purpose. Together, Anita and her husband of thirty-five years Ricky have two wonderful sons and four fantastic grandchildren. She loves to play with her grandkids, take long drives with her husband, and relax by the water.