FNB Bank

311 5th Street
Fontanelle, IA 50846

 

2018 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 954
Date Established 1905
Assets $0.20 billion
Loans $0.16 billion
Deposits $0.17 billion
Capital $0.03 billion

FNB Bank is an FDIC insured institution located in Fontanelle, IA. It was founded in 1905 and has approximately $0.2 billion in assets. Customers can open an account at one of its 5 branches.

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

Bank Loan Profile?

The top three loan types in FNB Bank’s loan portfolio are Farm Loans, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in Iowa, FNB Bank has a significantly higher percent of Credit Card 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 10.97
Multifamily
Mortgages
0.00
Credit Card Loans 0.27
Consumer Auto Loans 0.55
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 3.55
Commercial and Industrial Loans 7.91
Farm Loans 32.29

Deposit Rates - August 17, 2018

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
6 Mo CD 10K
0.75% $500 $74,999 Learn MoreShow Less
6 Mo CD 100K
0.85% $75,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Variable IRA Rates APY MIN MAX
Var IRA 0K
1.36% $250 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 10K
0.30% $2,500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.20% $1,000 - Learn MoreShow Less

Loan Rates - August 17, 2018

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for FNB 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 2018

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.325% 4.250% 0.50 $2,354 $1,230 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Flagstar Bank 5.740% $291.47 Learn More
Third Federal Savings & Loan Assoc. of Cleveland 4.240% $245.68 Learn More

Note to FNB Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

FNB 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


FNB Bank Locations

Financial Details

FNB Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of FNB 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
FNB Bank U.S. Bank Average
2.22% 7.92%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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, 2018, FNB Bank had $485,000 in non-current loans and $233,000 in owned real estate. To cover these potential losses it had $29,179,000 in equity and $3,110,000 in loans loss reserves. That gives it a Texas Ratio of 2.22%.

Return on Equity
FNB Bank U.S. Bank Average
8.81% 9.35%

FNB Bank has a Return on Equity of 8.81% versus the BestCashCow average of 9.35%. 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
FNB Bank U.S. Bank Average
14.43% 12.01%

FNB Bank has a Capitalization of 14.43% versus the BestCashCow average of 12.01. 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.

FNB Bank Balance Sheet Analysis

As of March 31, 2018, FNB Bank had assets of $202,271,000, loans of $161,229,000, and deposits of $169,794,000. 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

ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.00 billion
Total securities $0.02 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.16 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.17 billion
LIABILITIES
Total deposits $0.17 billion
      Interest-bearing deposits $0.14 billion
      Deposits held in domestic offices $0.17 billion
      % insured (estimated) 83.94%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.17 billion
      Shareholders’ Equity $0.03 billion

Summary Income Statement

INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About Fnb Bank

Branches and Savings

Is Fnb Bank FDIC insured?

Yes. It is covered under FDIC Certificate #954.

Why does Fnb Bank pay such low interest on savings accounts?

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

Why are Fnb Bank CD rates not competitive?

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

Is Fnb Bank a commercial bank?

Yes

Where are Fnb Bank locations?

See branch locations nearby.

Is Fnb Bank open on Saturdays?

Is Fnb Bank open on Sundays?

What time does Fnb Bank open?

What time does Fnb Bank close?

Are Fnb Bank ATMs Open 24/7?

Do Fnb Bank ATMs accept cash deposits?

Can Fnb Bank customers use other ATMs?

Do Fnb Bank branches have notaries?

Will Fnb Bank notarize my document?

What address for Fnb Bank should I put for incoming ACH transfers?

Will the Fnb Bank branch print checks?

Do Fnb Bank checks expire?

Does Fnb Bank require US citizenship to open account?

Can Fnb Bank close my account?

Does Fnb Bank Report to credit bureaus?

Does Fnb Bank Use Equifax?

What is Fnb Bank's ACH Routing Number?

What is Fnb Bank's SWIFT code?

Products

Does Fnb Bank offer mortgages?

Compare mortgage rates here.

Does Fnb Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Fnb Bank offer personal loans?

Compare personal loan rates here.

Does Fnb Bank offer student loans?

Will Fnb Bank cash a check?

Will Fnb Bank redeem a savings bond?

Does Fnb Bank cash savings bonds?

Will Fnb Bank cash money orders?

Can Fnb Bank issue a money order?

Does Fnb Bank do currency exchange?

Background on The Bank

Who owns Fnb Bank?

How long has Fnb Bank been around?

Can Fnb Bank transfer to other banks?

Does Fnb Bank have quick pay?

Does Fnb Bank accept rolled coins?

Will Fnb Bank accept loose change?

Where is Fnb Bank headquarters?

Customer Reviews for FNB Bank

There are currently no comments for FNB Bank. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →