Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
715-246-6901
109 E 2nd St
New Richmond, WI 54017

First National Community Bank is headquartered in New Richmond and is the 129th largest bank in the state of Wisconsin. It is also the 3,484th largest bank in the nation. It was established in 1919 and as of December of 2013, it had grown to 53 employees at 4 locations. First National Community Bank has a C+ health rating.

Related Posts



Reviews (1)

Bank Website Incorrect

FNCB's website show an Apply Now button to sign up for Wise Rewards checking.  But it is NOT a complete online process.  The form is reviewed by bank staff, they call you for further info and you MUST visit New Richmond, WI personally to finish the account sign up!



Health

Data for Q4 2013

Institution Health

C+

Texas Ratio

GRADE:
B

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 had $3.51 million in non-current loans and owned real-estate with $16.56 million in equity and loan loss allowances on hand to cover it. This gives First National Community Bank a Texas Ratio of 21.21% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C-

The Texas Ratio for First National Community Bank increased slightly from 13.27% as of December 31, 2012 to 21.21% as of December 31, 2013, resulting in a negative change of 59.89%. This indicates that the balance sheet and financial strength for First National Community Bank has declined slightly in recent periods.

Deposit Growth

GRADE:
C-

In the past year, First National Community Bank has decreased its total deposits by -$4.17 million, resulting in -2.77% 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 has shown is below 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 has $165.54 million in assets with $16.56 million in equity, resulting in a capitalization level of 10.00%, which is above average.

Institution Statistics

Overall
FDIC Certificate #5357
Year Established1919
Employees53
Primary RegulatorOCC
Assets and Liabilities
Assets$165.54 million
Loans$113.60 million
Deposits$146.65 million
Equity Capital$14.85 million
Loan Loss Allowance$1.71 million
Unbacked Noncurrent Loans$3.02 million
Real Estate Owned$496,000
Historic Data - December 2012
Assets$168.57 million
Equity Capital$15.78 million
Loan Loss Allowance$1.41 million
Unbacked Noncurrent Loans$3.02 million
Real Estate Owned$2.04 million
Profit Margin - Quarterly
Net Interest Margin4.05%
Return on Assets1.01%
Return on Equity11.01%
Interest Income$6.82 million
Rates
Skip to rates for:

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

First National Community Bank Checking Account Rates

DetailsAPYMINMAXPRODUCT
2.02%-$15kWise Rewards Checking
0.10%--Wise Rewards Checking
Locations


First National Community Bank Locations
First National Community Bank109 E 2nd StNew Richmond, WI 54017
Somerset Financial Center Branch531 Main StreetSomerset, WI 54025
Hudson Financial Center Branch744 Ryan DriveHudson, WI 54016