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877-879-3622
102 East Drinker Street
Dunmore, PA 18512

First National Community Bank (PA) is headquartered in Dunmore and is the 30th largest bank in the state of Pennsylvania. It is also the 662nd largest bank in the nation. It was established in 1910 and as of December of 2013, it had grown to 260 employees at 22 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 Q4 2013

Institution Health

A

Texas Ratio

GRADE:
A+

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 December 31, 2013 First National Community Bank (PA) had $6.37 million in non-current loans and owned real-estate with $93.01 million in equity and loan loss allowances on hand to cover it. This gives First National Community Bank (PA) a Texas Ratio of 6.85% 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 9.82% as of December 31, 2012 to 6.85% as of December 31, 2013, resulting in a positive change of 30.29%.This indicates that the balance sheet and financial strength for First National Community Bank (PA) has improved dramatically in recent periods.

Deposit Growth

GRADE:
A

In the past year, First National Community Bank (PA) has increased its total deposits by $29.86 million, resulting in 3.49% 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 excellent.

Capitalization

GRADE:
C+

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 billion in assets with $93.01 million in equity, resulting in a capitalization level of 9.27%, which is average.

Institution Statistics

Overall
FDIC Certificate #7472
Year Established1910
Employees260
Primary RegulatorOCC
Assets and Liabilities
Assets$1.00 billion
Loans$630.70 million
Deposits$885.27 million
Equity Capital$79.00 million
Loan Loss Allowance$14.02 million
Unbacked Noncurrent Loans$2.12 million
Real Estate Owned$4.25 million
Historic Data - December 2012
Assets$967.87 million
Equity Capital$77.30 million
Loan Loss Allowance$18.54 million
Unbacked Noncurrent Loans$2.12 million
Real Estate Owned$3.98 million
Profit Margin - Quarterly
Net Interest Margin3.25%
Return on Assets1.19%
Return on Equity15.02%
Interest Income$32.95 million
Rates

Always verify rates and promotions with the bank or credit union. We are not First National Community Bank (PA), we are a rate comparison website and can not provide official rates or promotions.

First National Community Bank (PA) Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.15%$100k-Performance Statement Savings Account
0.15%$100k-Optimum Statement Savings Account
0.10%--Youth Savings Account
0.10%--Holiday Club w/Autodraft
0.10%--Vacation Club w/Autodraft
0.10%$10k-Health 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
0.15%$250k-Optimum Money Market Account
0.15%$100k-Performance 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-5 Year CD
1.15%$1k-Business 5 Year CD
0.80%$1k-4 Year CD
0.80%$1k-Business 4 Year CD
0.70%$1k-3 Year CD
0.70%$1k-Business 3 Year CD
0.50%$1k-2 Year CD
0.50%$1k-Business 2 Year 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-5 Year IRA (Traditional,Roth,CESA,SEP)
0.80%$1k-4 Year IRA (Traditional,Roth,CESA,SEP)
0.70%$1k-3 Year IRA (Traditional,Roth,CESA,SEP)
0.50%$1k-2 Year IRA (Traditional,Roth,CESA,SEP)
0.35%$1k-18 Month IRA (Traditional,Roth,CESA,SEP)
0.30%$1k-1 Year Add-On IRA (Traditional,Roth,CESA,SEP)
0.30%$1k-12 Month IRA (Traditional,Roth,CESA,SEP)
0.15%$1k-6 Month IRA (Traditional,Roth,CESA,SEP)
0.10%$1k-3 Month IRA (Traditional,Roth,CESA,SEP)
Locations

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