1 star ratingAverage User Rating:
1 star rating based on 1 review.

First National Community Bank

First National Community Bank Locations
109 E 2nd St
New Richmond, WI 54017
1-800-514-3412
www.fn-cb.com



First National Community Bank is headquartered in New Richmond and is the 129th largest bank in the state of Wisconsin. It is also the 3,676th largest bank in the nation. It was established in 1919 and as of September of 2011, it had grown to 52 employees at 4 locations. First National Community Bank has a 4-star health rating.

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

Update 5/14/2011: The rate has fallen to 3.01% APY for balances up to $15K. First National Community Bank is offering a rewards checking account called Wise Rewards Checking.




First National Community Bank Checking Account Rates

ApyMinMaxProduct
2.51%-$15kWise Reward Checking

Rates updated: 2/9/2012

Data for Q3 2011


Institution Statistics


First National Community Bank
FDIC Certificate #5357
BankRate ReportView
Year Established1919
Employees52
Primary RegulatorOCC

Assets and Liabilities

Assets$160.08 million
Loans$103.98 million
Deposits$141.38 million
Equity Capital$15.16 million
Loan Loss Allowance$1.35 million
Unbacked Noncurrent Loans$1.78 million
Real Estate Owned$4.30 million

Historic Data - September 2010

Assets$149.83 million
Equity Capital$14.78 million
Loan Loss Allowance$1.33 million
Unbacked Noncurrent Loans$2.55 million
Real Estate Owned$4.88 million

Profit Margin - Quarterly

Net Interest Margin4.04%
Return on Assets0.59%
Return on Equity6.26%
Interest Income$5.24 million

Institution Health


Overall Score:
4 out of 5
4
Texas Ratio2
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 September 30, 2011 First National Community Bank had $6.08 million in non-current loans and owned real-estate with $16.52 million in equity and loan loss allowances on hand to cover it. This gives First National Community Bank a Texas Ratio of 36.79% which is below 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 decreased slightly from 46.15% as of September 30, 2010 to 36.79% as of September 30, 2011, resulting in a positive change of 20.28%.This indicates that the balance sheet and financial strength for First National Community Bank has improved slightly in recent periods.
Deposit Growth5
In the past year, First National Community Bank has increased its total deposits by $8.91 million, resulting in 6.73% 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 has shown is excellent.
Capitalization4
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 $160.08 million in assets with $16.52 million in equity, resulting in a capitalization level of 10.32%, which is above average.
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Bank Website Incorrect
1 stars - DJGissel - Friday, November 5, 2010 - 1:44 PM

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!

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