FNB Bank, Inc.

Headquarters

101 East Broadway Street
Mayfield, KY 42066
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 1.05% →
1-Year CD 0.15% 0.95% →
2-Year CD 0.20% 1.05% →
5-Year CD 0.50% 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

FNB Bank, Inc. is an FDIC insured institution located in Mayfield, KY. It was founded in 1875 and has approximately $0.51 billion in assets. Customers can open an account at one of its 8 branches.

FDIC Insured Yes
FDIC Certificate # 2759
Date Established 1875
Assets $ 511.22 million
Loans $ 372.25 million
Deposits $ 437.46 million
Capital $ 52.65 million
 

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

Deposit Rates - September 25, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Savings
0.10% $1 - Learn More
CD Rates APY MIN MAX
3 Mo CD
0.10% $500 - Learn More
6 Mo CD
0.10% $500 - Learn More
12 Mo CD
0.15% $1,000 - Learn More
18 Mo CD
0.20% $1,000 - Learn More
24 Mo CD
0.20% $1,000 - Learn More
30 Mo CD
0.25% $1,000 - Learn More
36 Mo CD
0.30% $1,000 - Learn More
48 Mo CD
0.40% $1,000 - Learn More
60 Mo CD
0.50% $1,000 - Learn More


Loan Rates - September 25, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for FNB Bank, Inc.

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




Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
4.114% 3.990% 1.00 $3,750 $1,193 Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.815% 2.750% 0.88 $2,122 $1,021 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.990 %
$0 Learn More
More Info

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

Branches

FNB Bank, Inc. 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:
Fairfield,Connecticut


FNB Bank, Inc. Locations


Financial Details

FNB Bank, Inc. Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of FNB Bank, Inc.. 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, Inc. U.S. Bank Average
2.52% 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, FNB Bank, Inc. had $845,000 in non-current loans and $644,000 in owned real estate. To cover these potential losses it had $52,654,000 in equity and $6,546,000 in loans loss reserves. That gives it a Texas Ratio of 2.52%.

Return on Equity
FNB Bank, Inc. U.S. Bank Average
6.25% 7.80%

FNB Bank, Inc. has a Return on Equity of 6.25% 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
FNB Bank, Inc. U.S. Bank Average
10.3% 12.68%

FNB Bank, Inc. has a Capitalization of 10.3% 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.

FNB Bank, Inc. Balance Sheet Analysis

As of March 31, 2020, FNB Bank, Inc. had assets of $511,216,000, loans of $372,250,000, and deposits of $437,459,000. 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 $ 20.73 million
Interest-bearing balances $ 10.41 million
Total securities $ 93.48 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 372.25 million
Loan loss allowance $ 6.55 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.64 million
Goodwill and other intangibles $ 7.66 million
All other assets $ 6.41 million
     Total Assets $ 458.56 million
LIABILITIES
Total deposits $ 437.46 million
      Interest-bearing deposits $ 321.70 million
      Deposits held in domestic offices $ 437.46 million
      % insured (estimated) 90.99%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 18.19 million
Subordinated debt N.A.
All other liabilities $ 2.91 million
      Total Liabilities $ 458.56 million
      Shareholders’ Equity $ 52.65 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 5.30 million
Total Interest Expense $ 1.24 million
Net interest income $ 4.07 million
Provision for loan and lease losses $ 0.13 million
Total non interest income $ 0.84 million
Total non interest expense $ 3.98 million
Pre-tax Net Operating Income $ 0.80 million

Bank Loan Profile?

The top three loan types in FNB Bank, Inc.’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Consumer Auto Loans.

Compared to other banks in Kentucky, FNB Bank, Inc. has a significantly higher percent of Consumer Auto 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 30.80
Multifamily
Mortgages
2.06
Credit Card Loans 0.00
Consumer Auto Loans 13.38
Small Business Loans 0.00
Construction and Development Loans 5.28
Commercial Real Estate 22.78
Commercial and Industrial Loans 11.39
Farm Loans 2.20

Frequently Asked Questions About Fnb Bank, Inc.

Branches and Savings

Is Fnb Bank, Inc. FDIC insured?

Yes. It is covered under FDIC Certificate #2759.

Why does Fnb Bank, Inc. 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, Inc. CD rates not competitive?

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

Is Fnb Bank, Inc. a commercial bank?

Yes

Where are Fnb Bank, Inc. locations?

See branch locations nearby.

Is Fnb Bank, Inc. open on Saturdays?

Is Fnb Bank, Inc. open on Sundays?

What time does Fnb Bank, Inc. open?

What time does Fnb Bank, Inc. close?

Are Fnb Bank, Inc. ATMs Open 24/7?

Do Fnb Bank, Inc. ATMs accept cash deposits?

Can Fnb Bank, Inc. customers use other ATMs?

Do Fnb Bank, Inc. branches have notaries?

Will Fnb Bank, Inc. notarize my document?

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

Will the Fnb Bank, Inc. branch print checks?

Do Fnb Bank, Inc. checks expire?

Does Fnb Bank, Inc. require US citizenship to open account?

Can Fnb Bank, Inc. close my account?

Does Fnb Bank, Inc. Report to credit bureaus?

Does Fnb Bank, Inc. Use Equifax?

What is Fnb Bank, Inc.'s ACH Routing Number?

What is Fnb Bank, Inc.'s SWIFT code?

Products

Does Fnb Bank, Inc. offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Fnb Bank, Inc. offer personal loans?

Compare personal loan rates here.

Does Fnb Bank, Inc. offer student loans?

Will Fnb Bank, Inc. cash a check?

Will Fnb Bank, Inc. redeem a savings bond?

Does Fnb Bank, Inc. cash savings bonds?

Will Fnb Bank, Inc. cash money orders?

Can Fnb Bank, Inc. issue a money order?

Does Fnb Bank, Inc. do currency exchange?

Background on The Bank

Who owns Fnb Bank, Inc.?

How long has Fnb Bank, Inc. been around?

Can Fnb Bank, Inc. transfer to other banks?

Does Fnb Bank, Inc. have quick pay?

Does Fnb Bank, Inc. accept rolled coins?

Will Fnb Bank, Inc. accept loose change?

Where is Fnb Bank, Inc. headquarters?

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