First National Community Bank (PA)

102 East Drinker Street
Dunmore, PA 18512
1-877-879-3622
www.fncb.com

Related Blog Posts

3.50% 5-Year CD & 4.00% 7-Year CD at First National Community Bank in PA - YMMV Nationally Available - 11/18/2009

Update 12/01/09: The CD rates have fallen by 25 basis points. Please check the bank's website for the latest rates.First National Community Bank is offering some competitive long-term CD rates. The following rates are listed as of 11/18/09 at the bank's...

2.25% 11-Month CD at First National Community Bank - 7/31/2009

First National Community Bank continues to offer competitive rates on its Maximum Earning CDs. The current Bonus APY is 2.25% for terms of 11, 15 and 18 months. Minimum deposit is $5,000. The CDs require a new or existing Maximum Earnings Checking...

4.02% Rewards Checking Account at First National Community Bank in West Wisconsin - 4/21/2009

Update 6/07/09: The rate has fallen to 4.02% APY.First National Community Bank is offering a rewards checking account called Wise Rewards Checking. The account offers the following rates and features if certain monthly requirements are met:4.02% APY on...

3.04% Reward Checking Account at First National Community Bank in PA - 3/5/2009

Update 7/26/09: The top rate has fallen to 4.01% APY. Refer to the bottom of the post for the rate history.First National Community Bank is offering a reward checking account called Maximum Earnings (ME) Account. It pays 4.01% APY on balances up to...

2009

2007



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See Rates for: Checking | Savings | Money Market | CD | IRA

First National Community Bank (PA) Checking Account Rates

ApyMinMaxProduct
3.04%-$25kMaximum Earnings (ME) Account
0.20%--Workplace Banking
0.20%--Senior Checking
0.20%--NOW Accounts

First National Community Bank (PA) Savings Account Rates

ApyMinMaxProduct
1.25%--Maximun Earnings Online Savings Accounts
1.00%--Holiday Clubs w/Autodraft
1.00%--Vacation Clubs w/Autodraft
0.95%$100k-Centennial Statement Savings
0.95%$100k-Performance Statement Savings Account
0.95%$10k-Health Savings Account
0.50%--Holiday Clubs w/o Autodraft
0.50%--Vacation Clubs w/o Autodraft
0.25%--Youth Savings Account
0.25%--Passbook Savings Accounts

First National Community Bank (PA) Money Market Rates

ApyMinMaxProduct
1.00%$100k-Performance Money Market Account
0.95%$100k-Centennial Money Market Account

First National Community Bank (PA) CD Rates

ApyMinMaxProduct
2.50%$1k-5 Year CD w/Performance Checking
2.50%$1k-Business 5 Year CD w/Performance Checking
2.50%$1k-5 Year CD
2.50%$1k-Business 5 Year CD
2.20%$1k-4 Year CD w/Performance Checking
2.20%$1k-Business 4 Year CD w/Performance Checking
2.20%$1k-4 Year CD
2.20%$1k-Business 4 Year CD
1.80%$1k-3 Year CD w/Performance Checking
1.80%$1k-Business 3 Year CD w/Performance Checking
1.80%$1k-3 Year CD
1.80%$1k-Business 3 Year CD
1.50%$1k-2 Year CD w/Performance Checking
1.50%$1k-Business 2 Year CD w/Performance Checking
1.50%$1k-2 Year CD
1.50%$1k-Business 2 Year CD
1.50%$1k-15 Month Centennial Online CD
1.50%$1k-Business 15 Month Centennial Online CD
1.50%$1k-15 Month Centennial Online CD w/Performance Checking
1.50%$1k-Business 15 Month Centennial Online CD w/Performance Checking
1.30%$1k-18 Month CD w/Performance Checking
1.30%$1k-Business 18 Month CD w/Performance Checking
1.30%$1k-18 Month CD
1.30%$1k-Business 18 Month CD
1.25%$1k-1 Year Add-On CD w/Performance Checking
1.25%$1k-12 Month CD w/Performance Checking
1.25%$1k-Business 1 Year Add-On CD w/Performance Checking
1.25%$1k-Business 12 Month CD w/Performance Checking
1.25%$1k-15 Month CD w/Performance Checking
1.25%$1k-Business 15 Month CD w/Performance Checking
1.25%$1k-12 Month CD
1.25%$1k-1 Year Add-On CD
1.25%$1k-15 Month CD
1.25%$1k-Business 1 Year Add-On CD
1.25%$1k-Business 12 Month CD
1.25%$1k-Business 15 Month CD
1.10%$1k-9 Month CD w/Performance Checking
1.10%$1k-Business 9 Month CD w/Performance Checking
1.10%$1k-9 Month CD
1.10%$1k-Business 9 Month CD
1.00%$1k-6 Month CD w/Performance Checking
1.00%$1k-Business 6 Month CD w/Performance Checking
1.00%$1k-6 Month CD
1.00%$1k-Business 6 Month CD
0.50%$1k-3 Month CD w/Performance Checking
0.50%$1k-Business 3 Month CD w/Performance Checking
0.50%$1k-3 Month CD
0.50%$1k-Business 3 Month CD

First National Community Bank (PA) IRA Rates

ApyMinMaxProduct
2.50%$1k-5 Year IRA w/Performance Checking
2.50%$1k-5 Year IRA
2.50%$1k-5 Year Roth IRA
2.50%$1k-5 Year Roth IRA w/Performance Checking
2.50%$1k-5 Year CESA
2.50%$1k-5 Year CESA w/Performance Checking
2.50%$1k-5 Year SEP IRA
2.50%$1k-5 Year SEP IRA w/Performance Checking
2.20%$1k-4 Year IRA w/Performance Checking
2.20%$1k-4 Year IRA
2.20%$1k-4 Year Roth IRA
2.20%$1k-4 Year Roth IRA w/Performance Checking
2.20%$1k-4 Year CESA
2.20%$1k-4 Year CESA w/Performance Checking
2.20%$1k-4 Year SEP IRA
2.20%$1k-4 Year SEP IRA w/Performance Checking
1.80%$1k-3 Year IRA w/Performance Checking
1.80%$1k-3 Year IRA
1.80%$1k-3 Year Roth IRA
1.80%$1k-3 Year Roth IRA w/Performance Checking
1.80%$1k-3 Year CESA
1.80%$1k-3 Year CESA w/Performance Checking
1.80%$1k-3 Year SEP IRA
1.80%$1k-3 Year SEP IRA w/Performance Checking
1.50%$1k-15 Month IRA w/Performance Checking
1.50%$1k-2 Year IRA w/Performance Checking
1.50%$1k-2 Year IRA
1.50%$1k-15 Month Centennial Online IRA w/Performance Checking
1.50%$1k-15 Month Centennial Online Roth IRA
1.50%$1k-15 Month Centennial Online Roth IRA w/Performance Checking
1.50%$1k-2 Year Roth IRA
1.50%$1k-2 Year Roth IRA w/Performance Checking
1.50%$1k-15 Month Centennial Online CESA
1.50%$1k-15 Month Centennial Online CESA w/Performance Checking
1.50%$1k-15 Month Centennial Online SEP IRA
1.50%$1k-15 Month Centennial Online SEP IRA w/Performance Checking
1.50%$1k-2 Year CESA
1.50%$1k-2 Year CESA w/Performance Checking
1.50%$1k-2 Year SEP IRA
1.50%$1k-2 Year SEP IRA w/Performance Checking
1.30%$1k-18 Month IRA w/Performance Checking
1.30%$1k-18 Month Variable IRA w/Performance Checking
1.30%$1k-18 Month IRA
1.30%$1k-18 Month Variable IRA
1.30%$1k-18 Month Roth IRA
1.30%$1k-18 Month Roth IRA w/Performance Checking
1.30%$1k-18 Month Variable Roth IRA
1.30%$1k-18 Month Variable Roth IRA w/Performance Checking
1.30%$1k-18 Month CESA
1.30%$1k-18 Month CESA w/Performance Checking
1.30%$1k-18 Month SEP IRA
1.30%$1k-18 Month SEP IRA w/Performance Checking
1.30%$1k-18 Month Variable CESA
1.30%$1k-18 Month Variable CESA w/Performance Checking
1.30%$1k-18 Month Variable SEP IRA
1.30%$1k-18 Month Variable SEP IRA w/Performance Checking
1.25%$1k-1 Year Add-On IRA w/Performance Checking
1.25%$1k-12 Month IRA w/Performance Checking
1.25%$1k-1 Year Add-On IRA
1.25%$1k-12 Month IRA
1.25%$1k-15 Month IRA
1.25%$1k-15 Month Centennial Online IRA
1.25%$1k-1 Year Add-On Roth IRA
1.25%$1k-1 Year Add-On Roth IRA w/Performance Checking
1.25%$1k-12 Month Roth IRA
1.25%$1k-12 Month Roth IRA w/Performance Checking
1.25%$1k-15 Month Roth IRA
1.25%$1k-15 Month Roth IRA w/Performance Checking
1.25%$1k-1 Year Add-On CESA
1.25%$1k-1 Year Add-On CESA w/Performance Checking
1.25%$1k-1 Year Add-On SEP IRA
1.25%$1k-1 Year Add-On SEP IRA w/Performance Checking
1.25%$1k-12 Month CESA
1.25%$1k-12 Month CESA w/Performance Checking
1.25%$1k-12 Month SEP IRA
1.25%$1k-12 Month SEP IRA w/Performance Checking
1.25%$1k-15 Month CESA
1.25%$1k-15 Month CESA w/Performance Checking
1.25%$1k-15 Month SEP IRA
1.25%$1k-15 Month SEP IRA w/Performance Checking
1.10%$1k-9 Month IRA w/Performance Checking
1.10%$1k-9 Month IRA
1.10%$1k-9 Month Roth IRA
1.10%$1k-9 Month Roth IRA w/Performance Checking
1.10%$1k-9 Month CESA
1.10%$1k-9 Month CESA w/Performance Checking
1.10%$1k-9 Month SEP IRA
1.10%$1k-9 Month SEP IRA w/Performance Checking
1.00%$1k-6 Month IRA w/Performance Checking
1.00%$1k-6 Month IRA
1.00%$1k-6 Month Roth IRA
1.00%$1k-6 Month Roth IRA w/Performance Checking
1.00%$1k-6 Month CESA
1.00%$1k-6 Month CESA w/Performance Checking
1.00%$1k-6 Month SEP IRA
1.00%$1k-6 Month SEP IRA w/Performance Checking
0.50%$1k-3 Month IRA w/Performance Checking
0.50%$1k-3 Month IRA
0.50%$1k-3 Month Roth IRA
0.50%$1k-3 Month Roth IRA w/Performance Checking
0.50%$1k-3 Month CESA
0.50%$1k-3 Month CESA w/Performance Checking
0.50%$1k-3 Month SEP IRA
0.50%$1k-3 Month SEP IRA w/Performance Checking

Rates updated: 9/8/2010

Institution Statistics


FDIC Certificate #7472
OCC #9868
BankRate ReportView
Year Established1910
Employees307
Primary RegulatorOCC

Assets and Liabilities

Assets$1.34 billion
Loans$874.23 million
Deposits$1.03 billion
Equity Capital$124.51 million
Loan Loss Allowance$20.58 million
Unbacked Noncurrent Loans$41.50 million
Real Estate Owned$15.02 million

Historic Data - June 2009

Assets$1.33 billion
Equity Capital$110.01 million
Loan Loss Allowance$20.58 million
Unbacked Noncurrent Loans$28.09 million
Real Estate Owned$2.39 million

Profit Margin - Quarterly

Net Interest Margin3.14%
Return on Assets0.16%
Return on Equity1.79%
Interest Income$29.75 million

Institution Health


Overall Score:
3 out of 5
3
Texas Ratio4
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of June 30, 2010 First National Community Bank (PA) had $56.52 million in non-current loans and owned real-estate with $145.09 million in equity and loan loss allowances on hand to cover it. This gives First National Community Bank (PA) a Texas Ratio of 38.96% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend1
The Texas Ratio for First National Community Bank (PA) increased significantly from 23.34% as of June 30, 2009 to 38.96% as of June 30, 2010, resulting in a negative change of 66.90%. This indicates that the balance sheet and financial strength for First National Community Bank (PA) has declined significantly in recent periods.
Deposit Growth3
In the past year, First National Community Bank (PA) has increased it's total deposits by $30.86 million, resulting in 3.1% 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 average.
Capitalization2
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 $1.34 billion in assets with $145.09 million in equity, resulting in a capitalization level of 10.83%, which is below average.
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