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The First National Bank of Niagara

Based on 1 review
The First National Bank of Niagara
Overview / Commentary
900 Roosevelt Road
Niagara, WI 54151

The First National Bank of Niagara is headquartered in Niagara and is the 220th largest bank in the state of Wisconsin. It is also the 5,483rd largest bank in the nation. It was established in 1917 and as of June of 2014, it had grown to 24 employees at 4 locations. The First National Bank of Niagara has a C+ health rating.

Reviews (1)

Customer Service

I feel that my one star rating of the First Niagara Bank Branch in Willow Grove, PA 19090 is justified. As I had banked with them for many years but a recent transaction left me with resentment regarding an insulting manner in which I was treated during a recent transaction. A customer ahead of me in line at the the ATM alerted me that the machine had given her an incorrect balance then kept her card. I was in the process of my transaction while the customer was speaking to me and the machine kept my card as well.

When I went inside the branch to retrieve my card I was told that it was their policy not to return credit cards that are not affiliated with First Niagara. I explained that I was trying to withdraw money from another credit card account to deposit in First Niagara to offset an overdraft fee. Then despite proving that the machine was malfunctioning as verified by the customer ahead of me, and despite proving that my drivers license ID was valid, and proving that the credit card affiliated with the other bank was valid (via a phone call from the bank) I was told that an exception would be made, but that if I used their ATM for my intended transaction and the machine retained my card again that they would not return my card.

Thus, in fear of the malfunctioning machine doing the same thing I had to go to another banks ATM to retrieve the money then go back to first Niagara to deposit it in my account to offset the expected overdraft. Simple logic, common sense and human compassion would have solved that problem without the disrespectful manner in which it was handled.  As I had also explained that I was a retired senior citizen and if they had held my card a second time that I'd be without any financial means until my next Social Security Check was due, which would have been 10 days. The experience reminded me of those Science Fiction films wherein some people allow machines to override human capacity to reason, as the banks justification for holding my card a second time if it kept it was expressed like so; "I don't know why the machine didn't return your card so we can't take a chance". It was difficult to take being an honest upstanding citizen and having a machine dictate via bank personnel that I could be a suspected criminal..... Sincerely, Tyrone Brown - Abington, PA


Data for Q2 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. The First National Bank of Niagara has a relatively low asset base.

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 The First National Bank of Niagara had $1.32 million in non-current loans and owned real-estate with $7.46 million in equity and loan loss allowances on hand to cover it. This gives The First National Bank of Niagara a Texas Ratio of 17.70% 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 The First National Bank of Niagara experienced no significant changes from 17.99% as of June 30, 2013 to 17.70% as of June 30, 2014, resulting in a positive change of 1.64%.This indicates that the balance sheet and financial strength for The First National Bank of Niagara has had no significant changes in recent periods.

Deposit Growth


In the past year, The First National Bank of Niagara has decreased its total deposits by -$1.84 million, resulting in -3.12% 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 The First National Bank of Niagara 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. The First National Bank of Niagara has $66.45 million in assets with $7.46 million in equity, resulting in a capitalization level of 11.23%, which is excellent.

Institution Statistics

FDIC Certificate #5313
Year Established1917
Primary RegulatorOCC
Assets and Liabilities
Assets$66.45 million
Loans$30.82 million
Deposits$57.30 million
Equity Capital$7.05 million
Loan Loss Allowance$414,000
Unbacked Noncurrent Loans$1.01 million
Real Estate Owned$307,000
Historic Data - June 2013
Assets$68.26 million
Equity Capital$6.98 million
Loan Loss Allowance$471,000
Unbacked Noncurrent Loans$1.01 million
Real Estate Owned$227,000
Profit Margin - Quarterly
Return on Assets0.36%
Return on Equity3.51%
Interest Income$1.26 million

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The First National Bank of Niagara Locations
Spread Eagle Branch1108 Ushy 2Florence, WI 54121
Florence Office Branch845 Central AvenueFlorence, WI 54121
The First National Bank Of Niagara900 Roosevelt RoadNiagara, WI 54151
Aurora BranchHighway N (East Of Highway M 95)Niagara, WI 54151