FNCB Bank is headquartered in Dunmore and is the 30th largest bank in the state of Pennsylvania. It is also the 642nd largest bank in the nation. It was established in 1910 and as of June of 2022, it had grown to 211 employees at 16 locations. FNCB Bank has an A health rating.
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.
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.
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.
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!
|FDIC Certificate #||7472|
|Return on Assets - YTD||1.25%|
|Return on Equity - YTD||15.02%|
|Annual Interest Income||$27.4MM|
|Assets and Liabilities|
|Assets||Q2 2022vs Q2 2021||$1.69B$1.52B|
|Loans||Q2 2022vs Q2 2021||$1.08B$964.9MM|
|Deposits||Q2 2022vs Q2 2021||$1.43B$1.34B|
|Equity Capital||Q2 2022vs Q2 2021||$125.0MM$159.9MM|
|Loan Loss Allowance||Q2 2022vs Q2 2021||$13.4MM$12.3MM|
|Unbacked Noncurrent Loans||Q2 2022vs Q2 2021||$2.6MM$4.3MM|
|Real Estate Owned||Q2 2022vs Q2 2021||$228.00K$236.00K|
Rates for FNCB Bank are currently being reviewed.