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Overview / Commentary
900 Roosevelt Road
Niagara, WI 54151

The First National Bank of Niagara is headquartered in Niagara and is the 204th largest bank in the state of Wisconsin. It is also the 5,051st largest bank in the nation. It was established in 1917 and as of June of 2016, it had grown to 25 employees at 4 locations. The First National Bank of Niagara has a B 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

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. The First National Bank of Niagara has a relatively low asset base.

Health Grade Components

FDIC Certificate #5313
Year Established1917
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.44%
Return on Equity - YTD4.07%
Annual Interest Income$1.4MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$68.4MM$67.6MM
LoansQ2 2016vs Q2 2015$32.8MM$34.7MM
DepositsQ2 2016vs Q2 2015$59.6MM$58.2MM
Equity CapitalQ2 2016vs Q2 2015$7.6MM$7.2MM
Loan Loss AllowanceQ2 2016vs Q2 2015$366.00K$365.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$683.00K$936.00K
Real Estate OwnedQ2 2016vs Q2 2015$348.00K$293.00K

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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 BranchW563 County Road NNiagara, WI 54151