First National Bank of Wauchula

Overview / Commentary

www.fnbwauchula.com

863-773-4136

406 North Sixth Avenue
Wauchula, FL 33873

First National Bank of Wauchula is headquartered in Wauchula and is the 111^th largest bank in the state of Florida. It is also the 4,503^rd largest bank in the nation. It was established in 1960 and as of June of 2019, it had grown to 28 employees at 1 location. First National Bank of Wauchula's money market rates are 48% higher than the national average, and it has a B health rating.

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Health

Data as of Q2 2019

Learn why bank health matters

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

Health Grade Components

Overall
FDIC Certificate #	18136
Year Established	1960
Employees	28
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.36%
Return on Equity - YTD	3.09%
Annual Interest Income	$1.7MM

Assets and Liabilities
Assets	Q2 2019vs Q2 2018	$70.6MM$73.6MM
Loans	Q2 2019vs Q2 2018	$48.6MM$44.1MM
Deposits	Q2 2019vs Q2 2018	$60.3MM$63.8MM
Equity Capital	Q2 2019vs Q2 2018	$8.4MM$7.9MM
Loan Loss Allowance	Q2 2019vs Q2 2018	$927.00K$981.00K
Unbacked Noncurrent Loans	Q2 2019vs Q2 2018	$1.5MM$2.2MM
Real Estate Owned	Q2 2019vs Q2 2018	$0$279.00K

Rates

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Savings
Money Market
Checking
CD

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First National Bank of Wauchula Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.15%	$25	-	Saving Regular
0.15%^*	$3k^*	-	Health Savings Accounts
OTHER TIERS: 0.05% → Up to $500 \| 0.10% → $500 - $3k
0.10%	$25	-	Savings ATS

First National Bank of Wauchula Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.65%^*	$250k^*	-	Money Market
OTHER TIERS: 0.15% → $2.5k - $25k \| 0.30% → $25k - $100k \| 0.50% → $100k - $250k

First National Bank of Wauchula Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$1k	-	NOW Checking

First National Bank of Wauchula CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.53%	$100k	-	84 Month Jumbo CD
2.27%	$1k	-	84 Month CD
2.27%	$100k	-	60 Month Jumbo CD
2.02%	$1k	-	60 Month CD
1.91%	$100k	-	30 Month Jumbo CD
1.76%	$100k	-	24 Month Jumbo CD
1.66%	$1k	-	30 Month CD
1.51%	$1k	-	24 Month CD
1.51%	$100k	-	18 Month Jumbo CD
1.26%	$1k	-	18 Month CD
1.16%	$100k	-	12 Month Jumbo CD
0.90%	$1k	-	12 Month CD
0.90%	$100k	-	182 Day Jumbo CD
0.65%	$1k	-	182 Day CD
0.55%	$100k	-	30 Day Jumbo CD
0.55%	$100k	-	91 Day Jumbo CD
0.30%	$1k	-	30 Day CD
0.30%	$1k	-	91 Day CD

Locations

First National Bank of Wauchula Locations
First National Bank Of Wauchula	406 North Sixth Avenue	Wauchula, FL 33873

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