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First National Community Bank (PA)

Based on 1 review
Overview / Commentary
877-879-3622
102 East Drinker Street
Dunmore, PA 18512

First National Community Bank (PA) is headquartered in Dunmore and is the 32nd largest bank in the state of Pennsylvania. It is also the 693rd largest bank in the nation. It was established in 1910 and as of March of 2014, it had grown to 242 employees at 20 locations. First National Community Bank (PA) has a A health rating.

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Reviews (1)

First Nat. Com. Bank Is Under Review:`

Just to let everyone know, this bank is under scrutiny from the government agency that oversees them. And just recently are being sued by a stockholder. Their stock has gone down because of bad loans .... Just thought I would put this out there.



Health

Data for Q1 2014

Institution Health

A

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 First National Community Bank (PA) had $5.04 million in non-current loans and owned real-estate with $99.17 million in equity and loan loss allowances on hand to cover it. This gives First National Community Bank (PA) a Texas Ratio of 5.08% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for First National Community Bank (PA) decreased dramatically from 8.90% as of March 31, 2013 to 5.08% as of March 31, 2014, resulting in a positive change of 42.94%.This indicates that the balance sheet and financial strength for First National Community Bank (PA) has improved dramatically in recent periods.

Deposit Growth

GRADE:
B+

In the past year, First National Community Bank (PA) has increased its total deposits by $16.14 million, resulting in 1.96% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First National Community Bank (PA) has shown is above average.

Capitalization

GRADE:
B+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First National Community Bank (PA) has $973.66 million in assets with $99.17 million in equity, resulting in a capitalization level of 10.18%, which is above average.

Institution Statistics

Overall
FDIC Certificate #7472
Year Established1910
Employees242
Primary RegulatorOCC
Assets and Liabilities
Assets$973.66 million
Loans$641.64 million
Deposits$840.68 million
Equity Capital$86.58 million
Loan Loss Allowance$12.59 million
Unbacked Noncurrent Loans$1.61 million
Real Estate Owned$3.42 million
Historic Data - March 2013
Assets$929.12 million
Equity Capital$77.81 million
Loan Loss Allowance$18.47 million
Unbacked Noncurrent Loans$1.61 million
Real Estate Owned$3.91 million
Profit Margin - Quarterly
Net Interest Margin3.16%
Return on Assets1.68%
Return on Equity20.04%
Interest Income$8.12 million
Rates

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First National Community Bank (PA) Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.10%--Youth Savings Account
0.10%--Holiday Club w/Autodraft
0.10%--Vacation Club w/Autodraft
0.10%$10k-Health Savings Account
0.10%$100k-Simply Statement Savings Account
0.05%--Passbook Savings Account
0.05%--Holiday Club w/o Autodraft
0.05%--Vacation Club w/o Autodraft

First National Community Bank (PA) Money Market Rates

DetailsAPYMINMAXPRODUCT
0.20%$500k-SImply Money Market Account

First National Community Bank (PA) Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.05%--Workplace Banking
0.05%--Senior Checking
0.05%--NOW Account

First National Community Bank (PA) CD Rates

DetailsAPYMINMAXPRODUCT
1.15%$1k-60 Month CD
1.15%$1k-Business 60 Month CD
0.80%$1k-48 Month CD
0.80%$1k-Business 48 Month CD
0.70%$1k-36 Month CD
0.70%$1k-Business 36 Month CD
0.50%$1k-24 Month CD
0.50%$1k-Business 24 Month CD
0.35%$1k-18 Month CD
0.35%$1k-Business 18 Month CD
0.30%$1k-1 Year Add-On CD
0.30%$1k-Business 1 Year Add-On CD
0.30%$1k-12 Month CD
0.30%$1k-Business 12 Month CD
0.15%$1k-6 Month CD
0.15%$1k-Business 6 Month CD
0.10%$1k-3 Month CD
0.10%$1k-Business 3 Month CD

First National Community Bank (PA) IRA Rates

DetailsAPYMINMAXPRODUCT
1.15%$1k-60 Month IRA
0.80%$1k-48 Month IRA
0.70%$1k-36 Month IRA
0.50%$1k-24 Month IRA
0.35%$1k-18 Month IRA
0.30%$1k-1 Year Add-On IRA
0.30%$1k-12 Month IRA
0.15%$1k-6 Month IRA
0.10%$1k-3 Month IRA
Locations

First National Community Bank (PA) has 22 locations. Click to view all First National Community Bank (PA) locations.