BanksFNB BANK

FNB BANK

FONTANELLE, IASmallEst. Aug. 23, 1905, midnightFDIC #954RSSD #617743FED
Latest · 2025-12-31

FNB BANK is an 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%. CET1 capital ratio: 14.03%, well above regulatory minimums. NPL ratio: 0.02% · Texas Ratio: 0.09%. Operates 5 domestic branches.

Assets
$274M
Deposits
$212M
Loans
$223M
Equity
$42M

Profitability

Return on Assets (ROA)1.22%
Return on Equity (ROE)8.00%
Net Interest Margin4.09%
Yield on Assets5.70%
Cost of Funds1.75%

Asset Quality

NPL Ratio0.02%
Net Charge-Off Ratio-0.08%
Texas Ratio0.09%
NPA Ratio0.01%
ACL / Loans1.98%

Capital & Liquidity

CET1 Ratio14.03%
Tier 1 Capital14.03%
Total Capital Ratio14.73%
Leverage Ratio14.29%
Loan-to-Deposit105.08%

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