FCB Banks

FCB Banks is a community commercial bank serving Illinois and Missouri. Its small-business lending lineup includes lines of credit, term loans, equipment finance, commercial real estate financing, and construction finance — a solid range for businesses with traditional capital needs. Lending decisions appear to be made locally, which can mean more flexible underwriting than a national lender but also less standardized timelines. Specific rates, minimum qualifications, and financing amounts are not publicly disclosed, so borrowers will need to connect directly with an FCB loan officer to get a full picture. One noted caution: the bank issued an alert regarding a PPP-related scam targeting some customers, which is worth being aware of, though it does not appear to reflect on FCB's own practices. Overall, FCB Banks seems well suited for established businesses in Illinois or Missouri looking for a relationship-based banking partner.