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109 E 2nd St
New Richmond, WI 54017

First National Community Bank is headquartered in New Richmond and is the 126th largest bank in the state of Wisconsin. It is also the 3,471st largest bank in the nation. It was established in 1919 and as of March of 2014, it had grown to 53 employees at 4 locations. First National Community Bank has a B health rating.

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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!


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 First National Community Bank had $3.33 million in non-current loans and owned real-estate with $17.14 million in equity and loan loss allowances on hand to cover it. This gives First National Community Bank a Texas Ratio of 19.40% 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 decreased slightly from 21.78% as of March 31, 2013 to 19.40% as of March 31, 2014, resulting in a positive change of 10.92%.This indicates that the balance sheet and financial strength for First National Community Bank has improved slightly in recent periods.

Deposit Growth


In the past year, First National Community Bank has decreased its total deposits by -$1.32 million, resulting in -0.91% 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 average.



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 $166.04 million in assets with $17.14 million in equity, resulting in a capitalization level of 10.32%, which is above average.

Institution Statistics

FDIC Certificate #5357
Year Established1919
Primary RegulatorOCC
Assets and Liabilities
Assets$166.04 million
Loans$115.46 million
Deposits$143.75 million
Equity Capital$15.46 million
Loan Loss Allowance$1.69 million
Unbacked Noncurrent Loans$3.33 million
Real Estate Owned$0
Historic Data - March 2013
Assets$162.63 million
Equity Capital$15.55 million
Loan Loss Allowance$1.54 million
Unbacked Noncurrent Loans$3.33 million
Real Estate Owned$1.79 million
Profit Margin - Quarterly
Net Interest Margin3.95%
Return on Assets1.11%
Return on Equity12.12%
Interest Income$1.67 million
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First National Community Bank Checking Account Rates

2.02%-$15kWise Rewards Checking - Qualifying
0.10%--Wise Rewards Checking - Non Qualifying

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