Overview / Commentary
100 South Blakely Street
Dunmore, PA 18512

FNCB Bank is headquartered in DUNMORE and is the 30th largest bank in the state of Pennsylvania. It is also the 615th largest bank in the nation. It was established in 1910 and as of December of 2023, it had grown to 212 employees at 16 locations. FNCB Bank's money market rates are 70% higher than the national average, and it has a B health rating.

Reviews (4)

Great Bank!

When I was looking for a bank for my direct deposit, there weren't many options in the little town I was living in. FNCB was one of the banks that was closest to my house, so I figured I would give them a try! When I went in to get an account, the person I worked with actually talked to me like she's known me forever. It was a great feeling to feel welcomed. Every time I went to the bank, the tellers were always smiling and happy to see you. When I moved I was afraid that I would not find a location close enough to me. Lucky for me the area I moved to has two close locations and one that is a little further but easy to get to. I was thrilled. When I walked into the new banks, everyone was very welcoming! They always have smiles on their faces, which makes me like the company more because obviously they are treating their employees right. I would definitely recommend FNCB to anyone that asked. They seem like much more than a bank.

FNCB Best Bank I've Ever Dealt With

I've tried PNC (large fees), Wells Fargo (no customer service) and M & T Bank (Lousy customer service, unfair practices with web banking) and Finally FNCB.
The people in the Plains, PA branch are extremely friendly and helpful. Hours until 5 p.m. some days (great for those who work). I opened an account when I got a car a loan from them. I was holding off changing banks because I have years of transactions with my other bank- I'll be moving it all very soon....
I wish there were more locations, but most banks are downsizing and I will need to accept it.

First Nat. Com. Bank Is Under Review:`

Posted by: |

Just to let everyone know, this bank is under scrutiny from the government agency that oversees them. And just recently are being sued by a stockholder. Their stock has gone down because of bad loans .... Just thought I would put this out there.

Returned A Rent Check

Posted by: |

For January 2021 I submitted my rent check to my complex. On January 15th I transferred more funds into that primary account (the check was written on that account) to make certain there was more than enough money to cover the check. The rent check came in for the first time on January 20, 2021 and was paid and even after the monies were paid out, the account was still in the positive. However, on January 21, 2021, FNCB returned the check to my housing complex stating Insufficient funds. I have the letter from my housing complex stating this officially in writing and now charging me $75 in addition to my regular rent. I have FNCB's own records documenting the deposit transfer on January 15th. They document that my account had the sufficient funds in it on January 20th when my apartment complex submitted the check for payment. The bank's own records show they paid out the funds on that day and the account remained in the positive after payment. The very next day the records state the check was returned due to "unable to process" even though other withdrawls went through fine several days afterwards without issue and the account never being in the negative at any time. That behavior is in unconscionable especially at a time with a struggling economy and a global pandemic costing lives, jobs, businesses that will never come back.I have been a customer of the bank for over 30 years. Nothing like this has ever happened before but I am quite sure the Keyser Avenue branch and its manager will come up with some excuse why they are not to blame. Shame on them!


Health Grade Components

FDIC Certificate #7472
Year Established1910
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.88%
Return on Equity - YTD13.88%
Annual Interest Income$81.3MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$1.86B$1.72B
LoansQ4 2023vs Q4 2022$1.21B$1.11B
DepositsQ4 2023vs Q4 2022$1.53B$1.42B
Equity CapitalQ4 2023vs Q4 2022$121.7MM$106.8MM
Loan Loss AllowanceQ4 2023vs Q4 2022$12MM$14.2MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$5MM$2.7MM
Real Estate OwnedQ4 2023vs Q4 2022$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

FNCB Bank Savings Account Rates

0.30%*$100k*-Simply Statement Savings Account
OTHER TIERS: 0.15% $300 - $50k | 0.20% $50k - $100k
0.30%*$100k*-Business Simply Statement Savings Account
OTHER TIERS: 0.15% $300 - $50k | 0.20% $50k - $100k
0.20%*-$25kWow Saver
OTHER TIERS: 0.05% $25k+
0.08%--Youth Savings Account
0.03%--Anytime Savers Club

FNCB Bank Money Market Rates

3.75%*$7.5m*-Business Simply Money Market Account
OTHER TIERS: 0.50% $2.5k - $100k | 0.90% $100k - $500k | 1.30% $500k - $1m | 1.80% $1m - $2.5m | 2.25% $2.5m - $5m | 3.65% $5m - $7.5m
2.15%*$1m*-Wow Relationship Money Market
OTHER TIERS: 0.43% $2.5k - $50k | 0.65% $50k - $100k | 0.87% $100k - $250k | 1.08% $250k - $500k | 1.30% $500k - $1m
0.75%*$500k*-SImply Money Market Account
OTHER TIERS: 0.15% $2.5k - $100k | 0.50% $100k - $250k | 0.65% $250k - $500k

FNCB Bank Checking Account Rates

5.00%*-$5kWow Maximum Earnings (ME) Account
OTHER TIERS: 0.25% $5k+
5.00%*-$5kWow Relationship Checking
OTHER TIERS: 0.25% $5k+
0.01%--Senior Checking

FNCB Bank CD Rates

2.00%$1k-18 Month CD
2.00%$1k-Business 18 Month CD
2.00%*$50k*-12 Month Relationship CD
OTHER TIERS: 1.50% Up to $50k
1.00%$1k-60 Month CD
1.00%$1k-Business 60 Month CD
0.90%*$50k*-6 Month Relationship CD
OTHER TIERS: 0.40% Up to $50k
0.75%$1k-48 Month CD
0.75%$1k-Business 48 Month CD
0.60%$1k-36 Month CD
0.60%$1k-Business 36 Month CD
0.50%$1k-24 Month CD
0.50%$1k-Business 24 Month CD
0.50%$1k-12 Month CD
0.50%$1k-Business 12 Month CD
0.25%$1k-6 Month CD
0.25%$1k-Business 6 Month CD
0.20%*$1k*$250k1 Year Add-On CD
OTHER TIERS: 0.10% $500 - $1k
0.20%*$1k*$250kBusiness 1 Year Add-On CD
OTHER TIERS: 0.10% $500 - $1k
0.15%$1k-3 Month CD
0.15%$1k-Business 3 Month CD

FNCB Bank IRA Rates

2.00%$1k-18 Month IRA
1.00%$1k-60 Month IRA
0.75%$1k-48 Month IRA
0.60%$1k-36 Month IRA
0.50%$1k-24 Month IRA
0.50%$1k-12 Month IRA
0.25%$1k-6 Month IRA
0.20%*$1k*-1 Year Add-On IRA
OTHER TIERS: 0.10% $500 - $1k
0.15%$1k-3 Month IRA


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