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Broad And Appletree Streets
Scottsboro, AL 35768

FNB Bank is headquartered in Scottsboro and is the 24th largest bank in the state of Alabama. It is also the 1,826th largest bank in the nation. It was established in 1907 and as of March of 2014, it had grown to 101 employees at 11 locations. FNB Bank has a A health rating.

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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 FNB Bank had $1.48 million in non-current loans and owned real-estate with $44.47 million in equity and loan loss allowances on hand to cover it. This gives FNB Bank a Texas Ratio of 3.34% 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 decreased dramatically from 12.95% as of March 31, 2013 to 3.34% as of March 31, 2014, resulting in a positive change of 74.21%.This indicates that the balance sheet and financial strength for FNB Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, FNB Bank has decreased its total deposits by -$5.33 million, resulting in -1.64% 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 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 has $361.68 million in assets with $44.47 million in equity, resulting in a capitalization level of 12.30%, which is excellent.

Institution Statistics

FDIC Certificate #2824
Year Established1907
Primary RegulatorFDIC
Assets and Liabilities
Assets$361.68 million
Loans$209.56 million
Deposits$320.00 million
Equity Capital$41.10 million
Loan Loss Allowance$3.37 million
Unbacked Noncurrent Loans$651,000
Real Estate Owned$834,000
Historic Data - March 2013
Assets$368.53 million
Equity Capital$42.27 million
Loan Loss Allowance$3.67 million
Unbacked Noncurrent Loans$651,000
Real Estate Owned$5.24 million
Profit Margin - Quarterly
Net Interest Margin3.98%
Return on Assets0.55%
Return on Equity4.87%
Interest Income$3.88 million

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FNB Bank Locations
Morgan City Branch12214 Union Grove RoadUnion Grove, AL 35175
Jackson Square Branch1535 South Broad StreetScottsboro, AL 35768
Pisgah Branch2399 County Road 58Pisgah, AL 35765
Woodville Branch29975 Alabama Highway 35Woodville, AL 35776
Section Branch4968 Tammy Little DriveSection, AL 35771
Bridgeport Branch51616 Old Highway 72Bridgeport, AL 35740
Five Points Drive-Up Facility701 E. Laurel StreetScottsboro, AL 35768
Fnb BankBroad and Appletree StreetsScottsboro, AL 35768
Skyline BranchHighway 79Skyline, AL 35768
Henagar BranchState Highway 40Henagar, AL 35978