First National Community Bank (New Richmond, WI)
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Data as of · sourced from FFIEC call reports. How we update
First National Community Bank is an FDIC-insured commercial bank headquartered in New Richmond, WI, established in 1919 (FDIC certificate 5357), and it is supervised by the OCC. At Q2 2026 it reported total assets of $345.3M, up 6.2% from Q2 2025, the 86th largest of 153 banks headquartered in Wisconsin. Its CET1 capital ratio was 13.17% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 5357
- Headquarters
- New Richmond, WI
- Established
- 1919
- Total assets, Q2 2026
- $345.3M
- Assets vs Q2 2025
- +6.2%
- CET1 ratio, Q2 2026
- 13.17%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 091809980
- Latest call report
- Q2 2026, FFIEC 051 · First National Community Bank call report
- Holding company
- ONE CORPORATION
- Asset rank in state
- 86th of 153 in Wisconsin
First National Community Bank, based in New Richmond, Wisconsin, reported $345 million in assets at June 30, 2026, up 6.2% from a year earlier. It grew its loan book 13.4% over the year, 2.4 times the median of 5.5% for the 2,660 banks with $100 million to $1 billion in assets. It also funds 9.38% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
Earnings jumped: net income for the quarter was $1.2 million, 54% above the same quarter a year earlier. Over the same year, loans grew 13.4% and deposits grew 6.7%.
As of June 30, 2026, First National Community Bank reported a CET1 capital ratio of 13.17%, a return on assets of 1.39%, a nonperforming-loan ratio of 0.16% and a Texas ratio of 1.04%. The figures come from its call report filed with the FFIEC.
First National Community Bank ranks as the 86th largest of the 153 banks based in Wisconsin, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 2.5% to $345.3M, loans rose 3.1% and deposits rose 2.5%. Owner-occupied commercial real estate loans made up 32.3% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 29.9%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities in WI; its New Richmond office books 62% of its branch deposits. By the capital ratios in its Q2 2026 call report, First National Community Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 109 E 2nd St, New Richmond, WI 54017
- County
- St. Croix
- Metro Area
- Minneapolis-St. Paul-Bloomington, MN-WI
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1919
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 51
- Domestic deposits
- $311.8M
- Allowance for credit losses
- $2.5M
- Net charge-offs (YTD)
- $22K
- Average total assets
- $341.0M
- Average total loans
- $233.9M
- Average interest-bearing deposits
- $223.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5357
- Fed RSSD
- 23755
- Website
- www.fnc.bank →
- Parent Holding Company
- ONE CORPORATION (RSSD 1124118)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
First National Community Bank's total assets moved between a low of $314.1M (Q2 2024) and a high of $345.3M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$345.3M total assets against $325.2M; $318.7M total liabilities against $304.2M.
$235.5M net loans and leases against $207.9M; $311.8M total deposits against $292.1M.
$71.7M securities against $84.3M; $21.0M cash and balances due against $16.2M.
$4.8M total interest income against $4.0M; $1.2M total interest expense against $1.3M.
$3.6M net interest income against $2.7M.
$326K total noninterest income against $458K; $2.5M total noninterest expense against $2.2M.
$210K provision for credit losses against $100K.
$1.2M net income against $766K.
1.39% return on assets against 0.94%; 4.44% net interest margin against 3.52%.
13.17% CET1 capital ratio against 13.89%; 9.38% tier 1 leverage ratio against 9.14%.
Inside the full First National Community Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst National Community Bank rankings
Its closest position to the top of a national ranking is 1,560 of 3,611, for ROA; its furthest is 2,656 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.47% (Q1 2025) to 1.39% (Q2 2026) and its net interest margin ran from 2.85% (Q3 2024) to 4.44% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.17% | 1.39% | 0.16% | 1.04% | 4.44% |
| Q1 2026 | 13.51% | 1.27% | 0.25% | 1.67% | 3.90% |
| Q4 2025 | 13.90% | 1.13% | 0.22% | 1.34% | 3.77% |
| Q3 2025 | 13.88% | 1.04% | 0.22% | 1.81% | 3.64% |
| Q2 2025 | 13.89% | 0.94% | 0.16% | 1.45% | 3.52% |
| Q1 2025 | 13.73% | 0.47% | 1.48% | 13.52% | 3.00% |
| Q4 2024 | 13.93% | 0.70% | 1.34% | 12.64% | 2.93% |
| Q3 2024 | 14.06% | 0.71% | 1.32% | 11.85% | 2.85% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First National Community Bank (main office) | New Richmond , WI | 54017 | $193.4M |
| Hudson Branch | Hudson , WI | 54016 | $45.2M |
| Somerset Branch | Somerset , WI | 54025 | $44.1M |
| Dresser Branch | Dresser , WI | 54009 | $29.1M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- August 25, 2009, OCC: Formal Agreement: First National Community Bank
- Period: Most recent institution action August 25, 2009. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in WI, rank 91 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 84 applications, 81 loans originated, $26.2M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 4 loans, $148K approved, $37K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First National Community Bank
What are First National Community Bank's total assets?
As of the Q2 2026 filing, First National Community Bank reported total assets of $345.3 million in its FFIEC call report.
Where is First National Community Bank headquartered?
It is headquartered in New Richmond, WI, United States.
When was First National Community Bank founded?
It was established in 1919, per the FDIC institution directory.
Is First National Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5357). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First National Community Bank?
First National Community Bank's primary federal regulator is the OCC.
What is First National Community Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.17% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First National Community Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First National Community Bank's Texas Ratio?
Its Texas Ratio is 1.04% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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