FNB BANK

FONTANELLE, IA | Small | Est. Aug. 23, 1905, midnight | FDIC #954 | RSSD #617743 | FED
Latest Report: 2025-12-31

FNB BANK is asn small FDIC-insured commercial bank headquartered in FONTANELLE, IA, established in Aug. 23, 1905, midnight. As of 2025-12-31, the bank reported total assets of $274M and total deposits of $212M. Profitability stands at 1.22% ROA and 8.00% ROE, with a net interest margin of 4.09%. The bank's CET1 capital ratio is 12.57%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.02% and a Texas Ratio of 0.09%. FDIC Certificate #954. The institution operates 1 domestic branch.

Assets

$274M

Deposits

$212M

Loans

$223M

Equity

$42M

Profitability

Return on Assets (ROA) 1.22%
Return on Equity (ROE) 8.00%
Net Interest Margin (NIM) 4.09%
Yield on Assets 5.70%
Cost of Funds 1.75%

Asset Quality

NPL Ratio 0.02%
Net Charge-Off Ratio -0.08%
Texas Ratio 0.09%
NPA Ratio 0.01%
ACL / Loans 1.98%

Capital & Liquidity

CET1 Ratio 12.57%
Tier 1 Capital 12.57%
Total Capital Ratio 13.20%
Leverage Ratio 14.29%
Loan-to-Deposit 105.08%

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