FIRST NATIONAL COMMUNITY BANK

NEW RICHMOND, WI | Small | Est. Jan. 1, 1919, midnight | FDIC #5357 | RSSD #23755 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL COMMUNITY BANK is asn small FDIC-insured commercial bank headquartered in NEW RICHMOND, WI, established in Jan. 1, 1919, midnight. As of 2025-12-31, the bank reported total assets of $319M and total deposits of $287M. Profitability stands at 1.15% ROA and 15.49% ROE, with a net interest margin of 3.88%. The bank's CET1 capital ratio is 13.90%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.21% and a Texas Ratio of 1.72%. FDIC Certificate #5357.

Assets

$319M

Deposits

$287M

Loans

$220M

Equity

$25M

Profitability

Return on Assets (ROA) 1.15%
Return on Equity (ROE) 15.49%
Net Interest Margin (NIM) 3.88%
Yield on Assets 5.51%
Cost of Funds 1.64%

Asset Quality

NPL Ratio 0.21%
Net Charge-Off Ratio 0.03%
Texas Ratio 1.72%
NPA Ratio 0.15%
ACL / Loans 1.01%

Capital & Liquidity

CET1 Ratio 13.90%
Tier 1 Capital 13.90%
Total Capital Ratio 14.89%
Leverage Ratio 9.33%
Loan-to-Deposit 76.54%

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