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Overview / Commentary
354 Mill Street
Danville, PA 17821

FNB Bank, National Association is headquartered in Danville and is the 95th largest bank in the state of Pennsylvania. It is also the 1,871st largest bank in the nation. It was established in 1864 and as of December of 2013, it had grown to 55 employees at 8 locations. FNB Bank, National Association has a B+ health rating.

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Data for Q4 2013

Institution Health


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, 2013 FNB Bank, National Association had $2.42 million in non-current loans and owned real-estate with $41.14 million in equity and loan loss allowances on hand to cover it. This gives FNB Bank, National Association a Texas Ratio of 5.87% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for FNB Bank, National Association decreased slightly from 8.05% as of December 31, 2012 to 5.87% as of December 31, 2013, resulting in a positive change of 27.05%.This indicates that the balance sheet and financial strength for FNB Bank, National Association has improved slightly in recent periods.

Deposit Growth


In the past year, FNB Bank, National Association has decreased its total deposits by -$17.26 million, resulting in -5.97% 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 FNB Bank, National Association has shown is below 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. FNB Bank, National Association has $348.89 million in assets with $41.14 million in equity, resulting in a capitalization level of 11.79%, which is excellent.

Institution Statistics

FDIC Certificate #7459
Year Established1864
Primary RegulatorOCC
Assets and Liabilities
Assets$348.89 million
Loans$255.35 million
Deposits$272.10 million
Equity Capital$38.40 million
Loan Loss Allowance$2.73 million
Unbacked Noncurrent Loans$2.32 million
Real Estate Owned$99,000
Historic Data - December 2012
Assets$360.15 million
Equity Capital$38.98 million
Loan Loss Allowance$2.67 million
Unbacked Noncurrent Loans$2.32 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.4%
Return on Assets0.88%
Return on Equity8.09%
Interest Income$13.35 million
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FNB Bank, National Association Savings Account Rates

0.05%--Cash Reserve IRA
0.05%--Cash Reserve Roth IRA
0.05%--Cash Reserve CESA

FNB Bank, National Association Money Market Rates

0.15%$250k-Platinum Money Market Account
0.05%$1k-Money Market Account

FNB Bank, National Association CD Rates

2.25%$1k-5 Year CD
2.05%$2k-60 Month Promo Relationship Banking CD
1.10%$500-36 Month Bump-Up CD
1.10%$500-4 Year Bump-Up CD
0.50%$1k-48 Month CD
0.40%$1k-36 Month CD
0.30%$1k-24 Month CD
0.15%$1k-12 Month CD
0.15%$1k-16 Month CD
0.05%$1k-3 Month CD

FNB Bank, National Association IRA Rates

0.95%$500-72 Months IRA (Traditional,Roth,CESA)
0.75%$500-60 Months IRA (Traditional,Roth,CESA)
0.50%$500-48 Months IRA (Traditional,Roth,CESA)
0.45%$500-36 Month IRA (Traditional,Roth,CESA)
0.25%$500-18 Month IRA (Traditional,Roth,CESA)
0.15%$500-1 Year IRA (Traditional,Roth,CESA)
0.13%$500-18 Month Variable Rate IRA (Traditional,Roth,CESA)

FNB Bank, National Association Locations
Shamokin Branch100 West Independence StreetShamokin, PA 17872
Atlas Branch11218 State Rte 61Mount Carmel, PA 17851
Mahoning Twp Branch1711 Bloom RoadDanville, PA 17821
Williamsport Branch1732 East Third StreetWilliamsport, PA 17701
Berwick Branch200 South Poplar StreetBerwick, PA 18603
Fnb Bank, National Association354 Mill StreetDanville, PA 17821
Bloomsburg Branch37-41 West Main StreetBloomsburg, PA 17815
Mill Street Office Branch512-514 Mill StreetDanville, PA 17821