First National Community Bank (PA)

First National Community Bank (PA) Locations

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

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First National Community Bank (PA) is headquartered in Dunmore and is the 31^st largest bank in the state of Pennsylvania. It is also the 684^th largest bank in the nation. It was established in 1910 and as of December of 2012, it had grown to 272 employees at 22 locations. First National Community Bank (PA) has a 3-star health rating.

FNCB Slashes Its Nationwide Reward Checking Rate (Forum) - 9/20/2010

FNCB's nationwide reward checking rate plummeted from 3.04% APY to 0.75% APY. This applies to balances up to $25K. It's rare to see banks slash reward checking rates by this much. Some banks that have made such cuts had been required to stay below the FD

They Just Drop The Rate On ME Checking To 3 (Forum) - 1/19/2010

They just drop the rate on ME checking to 3.0% 01/19/2010

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...

2009

2007

2/18 - 6.25% 60-Month CD at a Pennsylvania Bank - Variable (First National Community)

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

First National Community Bank (PA) Checking Account Rates

Apy	Min	Max	Product
0.20%	-	$25k	Maximum Earnings (ME) Account
0.10%	-	-	Senior Checking
0.05%	-	-	Workplace Banking
0.05%	-	-	NOW Account

First National Community Bank (PA) Savings Account Rates

Apy	Min	Max	Product
0.25%	$75k	-	Performance Statement Savings Account
0.20%	-	-	Holiday Club w/Autodraft
0.20%	$10k	-	Health Savings Account
0.20%	$100k	-	Centennial Statement Savings
0.10%	-	-	Youth Savings Account
0.10%	-	-	Passbook Savings Account
0.10%	-	-	Holiday Club w/o Autodraft
0.10%	-	-	Vacation Club w/Autodraft
0.05%	-	-	Vacation Club w/o Autodraft

First National Community Bank (PA) Money Market Rates

Apy	Min	Max	Product
0.30%	$250k	-	Optimum Money Market Account
0.25%	$75k	-	Performance Money Market Account

First National Community Bank (PA) CD Rates

Apy	Min	Max	Product
1.15%	$1k	-	5 Year CD
1.15%	$1k	-	Business 5 Year CD
0.90%	$1k	-	4 Year CD
0.90%	$1k	-	Business 4 Year CD
0.70%	$1k	-	3 Year CD
0.70%	$1k	-	Business 3 Year CD
0.60%	$1k	-	2 Year CD
0.60%	$1k	-	Business 2 Year CD
0.40%	$1k	-	18 Month CD
0.40%	$1k	-	Business 18 Month CD
0.37%	$1k	-	1 Year Add-On CD
0.37%	$1k	-	Business 1 Year Add-On CD
0.37%	$1k	-	12 Month CD
0.37%	$1k	-	Business 12 Month CD
0.22%	$1k	-	6 Month CD
0.22%	$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

Apy	Min	Max	Product
1.15%	$1k	-	5 Year IRA
1.15%	$1k	-	5 Year Roth IRA
1.15%	$1k	-	5 Year CESA
1.15%	$1k	-	5 Year SEP IRA
0.90%	$1k	-	4 Year IRA
0.90%	$1k	-	4 Year Roth IRA
0.90%	$1k	-	4 Year CESA
0.90%	$1k	-	4 Year SEP IRA
0.70%	$1k	-	3 Year IRA
0.70%	$1k	-	3 Year Roth IRA
0.70%	$1k	-	3 Year CESA
0.70%	$1k	-	3 Year SEP IRA
0.60%	$1k	-	2 Year IRA
0.60%	$1k	-	2 Year Roth IRA
0.60%	$1k	-	2 Year CESA
0.60%	$1k	-	2 Year SEP IRA
0.40%	$1k	-	18 Month IRA
0.40%	$1k	-	18 Month Roth IRA
0.40%	$1k	-	18 Month CESA
0.40%	$1k	-	18 Month SEP IRA
0.37%	$1k	-	1 Year Add-On IRA
0.37%	$1k	-	12 Month IRA
0.37%	$1k	-	1 Year Add-On Roth IRA
0.37%	$1k	-	12 Month Roth IRA
0.37%	$1k	-	1 Year Add-On CESA
0.37%	$1k	-	1 Year Add-On SEP IRA
0.37%	$1k	-	12 Month CESA
0.37%	$1k	-	12 Month SEP IRA
0.22%	$1k	-	6 Month IRA
0.22%	$1k	-	6 Month Roth IRA
0.22%	$1k	-	6 Month CESA
0.22%	$1k	-	6 Month SEP IRA
0.10%	$1k	-	3 Month IRA
0.10%	$1k	-	3 Month Roth IRA
0.10%	$1k	-	3 Month CESA
0.10%	$1k	-	3 Month SEP IRA

Rates updated: 5/24/2013

Data for Q4 2012

Institution Statistics

First National Community Bank
FDIC Certificate #	7472
BankRate Report	View
Year Established	1910
Employees	272
Primary Regulator	OCC
Assets and Liabilities
Assets	$967.87 million
Loans	$581.01 million
Deposits	$855.41 million
Equity Capital	$77.30 million
Loan Loss Allowance	$18.54 million
Unbacked Noncurrent Loans	$5.08 million
Real Estate Owned	$3.98 million
Historic Data - December 2011
Assets	$1.10 billion
Equity Capital	$77.84 million
Loan Loss Allowance	$20.83 million
Unbacked Noncurrent Loans	$13.86 million
Real Estate Owned	$6.96 million
Profit Margin - Quarterly
Net Interest Margin	3.33%
Return on Assets	-1.1%
Return on Equity	-14.2%
Interest Income	$37.03 million

Institution Health

Overall Score:

3 out of 5

Texas Ratio
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, 2012 First National Community Bank (PA) had $9.06 million in non-current loans and owned real-estate with $95.84 million in equity and loan loss allowances on hand to cover it. This gives First National Community Bank (PA) a Texas Ratio of 9.45% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for First National Community Bank (PA) decreased significantly from 22.56% as of December 31, 2011 to 9.45% as of December 31, 2012, resulting in a positive change of 58.10%.This indicates that the balance sheet and financial strength for First National Community Bank (PA) has improved significantly in recent periods.
Deposit Growth
In the past year, First National Community Bank (PA) has decreased its total deposits by -$102.85 million, resulting in -10.73% 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 poor.
Capitalization
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 $967.87 million in assets with $95.84 million in equity, resulting in a capitalization level of 9.90%, which is average.