1st National Community Bank

Headquarters

16924 St. Clair Avenue
East Liverpool, OH 43920
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.00% →
1-Year CD N.A. 0.95% →
2-Year CD N.A. 1.00% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

1st National Community Bank is an FDIC insured institution located in East Liverpool, OH. It was founded in 1987 and has approximately $0.14 billion in assets.

FDIC Insured Yes
FDIC Certificate # 26977
Date Established 1987
Assets $ 138.97 million
Loans $ 66.13 million
Deposits $ 122.95 million
Capital $ 13.33 million
 

For a more detailed analysis of 1st National Community Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 20, 2020

Your Current Location: Virginia, VA 20146


Loan Rates - October 20, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for 1st National Community Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Virginia 30 Year Fixed Mortgage Rates 2020

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Featured - Virginia Home Equity Line Of Credit Rates 2020

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Third Federal Savings and Loans
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2.240 %
$0 Learn More
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Note to 1st National Community Bank
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Branches

1st National Community Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


1st National Community Bank Locations


Financial Details

1st National Community Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of 1st National Community Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
1st National Community Bank U.S. Bank Average
5.84% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, 1st National Community Bank had $811,000 in non-current loans and $15,000 in owned real estate. To cover these potential losses it had $13,325,000 in equity and $825,000 in loans loss reserves. That gives it a Texas Ratio of 5.84%.

Return on Equity
1st National Community Bank U.S. Bank Average
6.55% 7.80%

1st National Community Bank has a Return on Equity of 6.55% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
1st National Community Bank U.S. Bank Average
9.59% 12.68%

1st National Community Bank has a Capitalization of 9.59% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

1st National Community Bank Balance Sheet Analysis

As of March 31, 2015, 1st National Community Bank had assets of $135,640,000, loans of $66,125,000, and deposits of $122,946,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 66.13 million
Loan loss allowance $ 0.83 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.02 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 122.95 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 138.97 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in 1st National Community Bank’s loan portfolio are 1-4 Family Residential Loans, Small Business Loans, and Commercial Real Estate.

Compared to other banks in Ohio, 1st National Community Bank has a significantly higher percent of Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 34.13
Multifamily
Mortgages
2.59
Credit Card Loans 0.00
Consumer Auto Loans 7.25
Small Business Loans 32.40
Construction and Development Loans 2.36
Commercial Real Estate 32.40
Commercial and Industrial Loans 13.85
Farm Loans 0.00

Frequently Asked Questions About 1st National Community Bank

Branches and Savings

Is 1st National Community Bank FDIC insured?

Yes. It is covered under FDIC Certificate #26977.

Why does 1st National Community Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are 1st National Community Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is 1st National Community Bank a commercial bank?

Yes

Where are 1st National Community Bank locations?

See branch locations nearby.

Is 1st National Community Bank open on Saturdays?

Is 1st National Community Bank open on Sundays?

What time does 1st National Community Bank open?

What time does 1st National Community Bank close?

Are 1st National Community Bank ATMs Open 24/7?

Do 1st National Community Bank ATMs accept cash deposits?

Can 1st National Community Bank customers use other ATMs?

Do 1st National Community Bank branches have notaries?

Will 1st National Community Bank notarize my document?

What address for 1st National Community Bank should I put for incoming ACH transfers?

Will the 1st National Community Bank branch print checks?

Do 1st National Community Bank checks expire?

Does 1st National Community Bank require US citizenship to open account?

Can 1st National Community Bank close my account?

Does 1st National Community Bank Report to credit bureaus?

Does 1st National Community Bank Use Equifax?

What is 1st National Community Bank's ACH Routing Number?

What is 1st National Community Bank's SWIFT code?

Products

Does 1st National Community Bank offer mortgages?

Compare mortgage rates here.

Does 1st National Community Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does 1st National Community Bank offer personal loans?

Compare personal loan rates here.

Does 1st National Community Bank offer student loans?

Will 1st National Community Bank cash a check?

Will 1st National Community Bank redeem a savings bond?

Does 1st National Community Bank cash savings bonds?

Will 1st National Community Bank cash money orders?

Can 1st National Community Bank issue a money order?

Does 1st National Community Bank do currency exchange?

Background on The Bank

Who owns 1st National Community Bank?

How long has 1st National Community Bank been around?

Can 1st National Community Bank transfer to other banks?

Does 1st National Community Bank have quick pay?

Does 1st National Community Bank accept rolled coins?

Will 1st National Community Bank accept loose change?

Where is 1st National Community Bank headquarters?

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