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Overview / Commentary
354 Mill Street
Danville, PA 17821

FNB Bank, National Association is headquartered in Danville and is the 98th largest bank in the state of Pennsylvania. It is also the 1,931st largest bank in the nation. It was established in 1864 and as of June of 2014, it had grown to 56 employees at 8 locations. FNB Bank, National Association has a A health rating.

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Data for Q2 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 June 30, 2014 FNB Bank, National Association had $2.41 million in non-current loans and owned real-estate with $42.75 million in equity and loan loss allowances on hand to cover it. This gives FNB Bank, National Association a Texas Ratio of 5.64% 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 experienced no significant changes from 4.46% as of June 30, 2013 to 5.64% as of June 30, 2014, resulting in a negative change of 26.61%. This indicates that the balance sheet and financial strength for FNB Bank, National Association has had no significant changes in recent periods.

Deposit Growth


In the past year, FNB Bank, National Association has decreased its total deposits by -$4.69 million, resulting in -1.69% 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 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 $341.42 million in assets with $42.75 million in equity, resulting in a capitalization level of 12.52%, which is excellent.

Institution Statistics

FDIC Certificate #7459
Year Established1864
Primary RegulatorOCC
Assets and Liabilities
Assets$341.42 million
Loans$250.57 million
Deposits$272.05 million
Equity Capital$40.13 million
Loan Loss Allowance$2.62 million
Unbacked Noncurrent Loans$2.33 million
Real Estate Owned$79,000
Historic Data - June 2013
Assets$356.69 million
Equity Capital$38.25 million
Loan Loss Allowance$2.33 million
Unbacked Noncurrent Loans$2.33 million
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.97%
Return on Equity8.51%
Interest Income$6.47 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

1.90%$2k-5 Year Promo Relationship Banking CD
1.60%$1k-4 Year Promo Relationship Banking CD
1.40%$1k-3 Year Bump-Up Promo Relationship Banking CD
0.45%$500-4 Year Bump-Up CD
0.40%$1k-3 Year CD
0.30%$1k-2 Year 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

1.70%$500-60 Months IRA
1.40%$500-48 Months IRA
1.20%--36 Month Bump-Up IRA
0.95%$500-72 Months IRA
0.45%$500-36 Month IRA
0.25%$500-18 Month IRA
0.15%$500-12 Month IRA
0.11%$500-18 Month Variable Rate IRA

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