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



First National Community Bank (PA) is headquartered in Dunmore and is the 26th largest bank in the state of Pennsylvania. It is also the 648th largest bank in the nation. It was established in 1910 and as of March of 2012, it had grown to 303 employees at 22 locations. First National Community Bank (PA) has a 3-star health rating.

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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...

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

First National Community Bank (PA) Checking Account Rates

ApyMinMaxProduct
0.20%-$25kMaximum Earnings (ME) Account
0.10%--Senior Checking
0.05%--Workplace Banking
0.05%--NOW Account

First National Community Bank (PA) Savings Account Rates

ApyMinMaxProduct
0.45%$100k-Performance Statement Savings Account
0.40%$100k-Centennial Statement Savings
0.20%--Holiday Club w/Autodraft
0.20%--Vacation Club w/Autodraft
0.20%$10k-Health Savings Account
0.15%--Maximun Earnings Online Savings Account
0.15%--Youth Savings Account
0.15%--Passbook Savings Account
0.10%--Holiday Club w/o Autodraft
0.10%--Vacation Club w/o Autodraft

First National Community Bank (PA) Money Market Rates

ApyMinMaxProduct
0.30%$100k-Centennial Money Market Account
0.30%$75k-Performance Money Market Account

First National Community Bank (PA) CD Rates

ApyMinMaxProduct
1.05%$1k-37 Month CD
1.05%$1k-Business 37 Month CD
0.90%$1k-5 Year CD
0.90%$1k-Business 5 Year CD
0.70%$1k-4 Year CD
0.70%$1k-Business 4 Year CD
0.70%$1k-23 Month CD
0.70%$1k-Business 23 Month CD
0.50%$1k-14 Month CD
0.50%$1k-Business 14 Month CD
0.40%$1k-3 Year CD
0.40%$1k-Business 3 Year CD
0.30%$1k-7 Month CD
0.30%$1k-Business 7 Month CD
0.25%$1k-18 Month CD
0.25%$1k-2 Year CD
0.25%$1k-Business 18 Month CD
0.25%$1k-Business 2 Year CD
0.15%$1k-1 Year Add-On CD
0.15%$1k-Business 1 Year Add-On CD
0.15%$1k-12 Month CD
0.15%$1k-Business 12 Month CD
0.10%$1k-6 Month CD
0.10%$1k-Business 6 Month CD
0.10%$1k-9 Month CD
0.10%$1k-Business 9 Month CD
0.05%$1k-3 Month CD
0.05%$1k-Business 3 Month CD

First National Community Bank (PA) IRA Rates

ApyMinMaxProduct
1.05%$1k-37 Month CESA
1.05%$1k-37 Month IRA
1.05%$1k-37 Month Roth IRA
1.05%$1k-37 Month SEP IRA
0.90%$1k-5 Year IRA
0.90%$1k-5 Year Roth IRA
0.90%$1k-5 Year CESA
0.90%$1k-5 Year SEP IRA
0.70%$1k-4 Year IRA
0.70%$1k-4 Year Roth IRA
0.70%$1k-4 Year CESA
0.70%$1k-4 Year SEP IRA
0.70%$1k-23 Month CESA
0.70%$1k-23 Month IRA
0.70%$1k-23 Month Roth IRA
0.70%$1k-23 Month SEP IRA
0.50%$1k-14 Month CESA
0.50%$1k-14 Month IRA
0.50%$1k-14 Month Roth IRA
0.50%$1k-14 Month SEP IRA
0.40%$1k-3 Year IRA
0.40%$1k-3 Year Roth IRA
0.40%$1k-3 Year CESA
0.40%$1k-3 Year SEP IRA
0.30%$1k-7 Month CESA
0.30%$1k-7 Month IRA
0.30%$1k-7 Month Roth IRA
0.30%$1k-7 Month SEP IRA
0.25%$1k-18 Month IRA
0.25%$1k-2 Year IRA
0.25%$1k-18 Month Roth IRA
0.25%$1k-2 Year Roth IRA
0.25%$1k-18 Month CESA
0.25%$1k-18 Month SEP IRA
0.25%$1k-2 Year CESA
0.25%$1k-2 Year SEP IRA
0.15%$1k-1 Year Add-On IRA
0.15%$1k-12 Month IRA
0.15%$1k-1 Year Add-On Roth IRA
0.15%$1k-12 Month Roth IRA
0.15%$1k-1 Year Add-On CESA
0.15%$1k-1 Year Add-On SEP IRA
0.15%$1k-12 Month CESA
0.15%$1k-12 Month SEP IRA
0.10%$1k-6 Month IRA
0.10%$1k-9 Month IRA
0.10%$1k-6 Month Roth IRA
0.10%$1k-9 Month Roth IRA
0.10%$1k-6 Month CESA
0.10%$1k-6 Month SEP IRA
0.10%$1k-9 Month CESA
0.10%$1k-9 Month SEP IRA
0.05%$1k-3 Month IRA
0.05%$1k-3 Month Roth IRA
0.05%$1k-3 Month CESA
0.05%$1k-3 Month SEP IRA

Rates updated: 5/27/2012

Data for Q1 2012


Institution Statistics


First National Community Bank
FDIC Certificate #7472
BankRate ReportView
Year Established1910
Employees303
Primary RegulatorOCC

Assets and Liabilities

Assets$1.03 billion
Loans$669.55 million
Deposits$890.59 million
Equity Capital$80.95 million
Loan Loss Allowance$20.66 million
Unbacked Noncurrent Loans$13.37 million
Real Estate Owned$6.72 million

Historic Data - March 2011

Assets$1.16 billion
Equity Capital$73.09 million
Loan Loss Allowance$24.43 million
Unbacked Noncurrent Loans$18.42 million
Real Estate Owned$9.27 million

Profit Margin - Quarterly

Net Interest Margin3.24%
Return on Assets-0.17%
Return on Equity-2.25%
Interest Income$9.74 million

Institution Health


Overall Score:
3 out of 5
3
Texas Ratio3
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 March 31, 2012 First National Community Bank (PA) had $20.09 million in non-current loans and owned real-estate with $101.62 million in equity and loan loss allowances on hand to cover it. This gives First National Community Bank (PA) a Texas Ratio of 19.77% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend4
The Texas Ratio for First National Community Bank (PA) decreased slightly from 32.50% as of March 31, 2011 to 19.77% as of March 31, 2012, resulting in a positive change of 39.18%.This indicates that the balance sheet and financial strength for First National Community Bank (PA) has improved slightly in recent periods.
Deposit Growth1
In the past year, First National Community Bank (PA) has decreased its total deposits by -$73.78 million, resulting in -7.65% 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.
Capitalization3
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 $1.03 billion in assets with $101.62 million in equity, resulting in a capitalization level of 9.87%, which is average.
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