102 East Drinker Street
Dunmore, PA 18512


General Bank Information

FDIC Insured Yes
FDIC Certificate # 7472
Date Established 1910
Assets $1.16 billion
Loans $0.75 billion
Deposits $0.98 billion
Capital $0.11 billion

FNCB Bank is an FDIC insured institution located in Dunmore, PA. It was founded in 1910 and has approximately $1.16 billion in assets. Customers can open an account at one of its 20 branches.

For a more detailed analysis of FNCB 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 FNCB Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in Pennsylvania, FNCB Bank has a significantly higher percent of Consumer Auto Loans, Commercial and Industrial 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 23.29
Credit Card Loans 0.00
Consumer Auto Loans 14.97
Small Business Loans 12.34
Construction and Development Loans 3.57
Commercial Real Estate 32.74
Commercial and Industrial Loans 19.10
Farm Loans 0.00

Deposit Rates

Your Current Location: Virginia, VA 20146

3 Mo CD 10K
0.10% $1,000 - Learn MoreShow Less
6 Mo CD 10K
0.15% $1,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA 0K
0.50% $1,000 - Learn MoreShow Less
MM 10K
0.10% $2,500 $99,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.05% $1,500 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for FNCB 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
Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
3.930% 3.875% 0.25 $1,800 $1,176 Learn More
PenFed Credit Union
NMLS ID: 401822
4.073% 3.990% 0.00 $2,500 $1,193 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.490% $224.24 Learn More
Flagstar Bank 5.240% $275.79 Learn More

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


FNCB 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:

FNCB Bank Locations

Financial Details

FNCB Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of FNCB 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
FNCB Bank U.S. Bank Average
3.04% 8.32%

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 September 30, 2017, FNCB Bank had $2,642,000 in non-current loans and $1,088,000 in owned real estate. To cover these potential losses it had $113,760,000 in equity and $8,862,000 in loans loss reserves. That gives it a Texas Ratio of 3.04%.

Return on Equity
FNCB Bank U.S. Bank Average
8.13% 8.84%

FNCB Bank has a Return on Equity of 8.13% versus the BestCashCow average of 8.84%. 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.

FNCB Bank U.S. Bank Average
9.84% 12.21%

FNCB Bank has a Capitalization of 9.84% versus the BestCashCow average of 12.21. 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.

FNCB Bank Balance Sheet Analysis

As of September 30, 2017, FNCB Bank had assets of $1,155,551,000, loans of $750,774,000, and deposits of $983,315,000. 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.

Frequently Asked Questions About Fncb Bank

Branches and Savings

Is Fncb Bank FDIC insured?

Yes. It is covered under FDIC Certificate #7472.

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

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

Why are Fncb Bank CD rates not competitive?

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

Is Fncb Bank a commercial bank?


Where are Fncb Bank locations?

See branch locations nearby.

Is Fncb Bank open on Saturdays?

Is Fncb Bank open on Sundays?

What time does Fncb Bank open?

What time does Fncb Bank close?

Are Fncb Bank ATMs Open 24/7?

Do Fncb Bank ATMs accept cash deposits?

Can Fncb Bank customers use other ATMs?

Do Fncb Bank branches have notaries?

Will Fncb Bank notarize my document?

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

Will the Fncb Bank branch print checks?

Do Fncb Bank checks expire?

Does Fncb Bank require US citizenship to open account?

Can Fncb Bank close my account?

Does Fncb Bank Report to credit bureaus?

Does Fncb Bank Use Equifax?

What is Fncb Bank's ACH Routing Number?

What is Fncb Bank's SWIFT code?


Does Fncb Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Fncb Bank offer personal loans?

Compare personal loan rates here.

Does Fncb Bank offer student loans?

Will Fncb Bank cash a check?

Will Fncb Bank redeem a savings bond?

Does Fncb Bank cash savings bonds?

Will Fncb Bank cash money orders?

Can Fncb Bank issue a money order?

Does Fncb Bank do currency exchange?

Background on The Bank

Who owns Fncb Bank?

How long has Fncb Bank been around?

Can Fncb Bank transfer to other banks?

Does Fncb Bank have quick pay?

Does Fncb Bank accept rolled coins?

Will Fncb Bank accept loose change?

Where is Fncb Bank headquarters?

Customer Reviews for FNCB Bank

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

Add Your Review

Rate it here →