Scott Perkins

Demystify the Homebuying Process

By Scott Perkins, FCNB President & CEO

Homeownership not only builds personal wealth but also strengthens our local communities. By partnering with a local community bank like FCNB Bank, we can help homebuyers navigate the complexities of mortgages and financing with confidence and clarity.

Whether you are refinancing or purchasing your home, your trusted local loan officers can help you determine:

  1. Qualification needs for the loan you’re seeking to obtain, and how factors such as your credit score, debt to income ratio, down payment, and loan amount may impact your rate and terms.
  2. The ideal loan amount and products to meet your budget considerations, including a detailed review of the mortgage process and suitable programs and loan features to meet your needs.
  3. How mortgage rates, loan amounts, property taxes, and insurance premiums affect payments, helping you set a manageable budget for homeownership expenses.
  4. Your rights and obligations under your mortgage contract, considering the unique stipulations of various financing options available.
  5. Suitable government-sponsored programs, including applicable state, local government, and specialty programs, in addition to federal homeownership and home-buying assistance programs.
  6. Additional resources to help you create a budget and set financial targets, such as homebuyer seminars and free online educational tools.

We are here and ready to provide trusted advice on how to make what can be a complicated homebuying process more accessible and affordable. Reach out today!


FCNB Bank Announces Employee Quarterly Awards

Congratulations to our FCNB Bank 1st Quarter Employee Award Winners! Above & Beyond – Cindy Turnbough, Employee of the Quarter – Wanda Grayson – Steelville, Shannon Caron – Cuba, Jamie Harmon – Sullivan, Shannon Reed – Rolla, and Taylor Hoffman – Eureka.

FCNB Winners

FCNB Bank converts to state charter

FCNB Bank converts to state charter

FCNB Bank headquartered in Steelville, Missouri recently converted to a state-chartered bank through the Missouri Division of Finance. Celebrating the milestone is the FCNB Board of Directors, from L to R: Randy Bono, Herbert J. Baumann, John W. Perkins, Rosella Roberts, John Hewkin, Paul E. Perkins, Scott Perkins, Julie Settles, James D. Cottrell, Anita Agers-Brooks and Scott Gahr.

The Missouri Division of Finance welcomed First Community National Bank as a State-charted bank effective November 10, 2021. With the conversion from a national charter to a state charter, the name of the bank has officially changed to FCNB Bank with headquarters in Steelville, Missouri.

“As a community bank, FCNB Bank is a family-owned, locally operated, independent organization that strives to provide banking as it should through customer relationships,” commented FCNB Bank’s President & CEO Scott Perkins. “With our conversion to a state-chartered bank, we will substantially benefit from ensured safety and soundness, reduced regulatory costs and the advocacy to provide local lending decisions. It’s an exceptional move for our bank and our customers.”

With regulatory authority now provided by The Missouri Division of Finance, FCNB Bank will partner with experienced examiners that are knowledgeable of local economic conditions and provide a common-sense approach to community banking. As a longstanding member of the Federal Deposit Insurance Corporation, deposits will continue to be insured up to $250,000 per customer.

Originally established as the Bank of Leasburg on March 16, 1906, FCNB Bank has been family-owned and operated by the Perkins family of Steelville since 1961. Under the current leadership of Chairman of the Board Paul E. Perkins, President & CEO Scott Perkins and FCNB Insurance and Investments President Julie Perkins Settles, FCNB Bank remains a strong and progressive independent community bank with $159 million in assets serving the communities of Steelville, Cuba, Sullivan, Rolla and Eureka with six branch and ATM locations.