FNB Bank (Fontanelle, IA)
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Data as of · sourced from FFIEC call reports. How we update
FNB Bank is an FDIC-insured commercial bank headquartered in Fontanelle, IA, established in 1905 (FDIC certificate 954), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $274.6M, up 1.4% from Q2 2025, the 115th largest of 225 banks headquartered in Iowa. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.48% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 954
- Headquarters
- Fontanelle, IA
- Established
- 1905
- Total assets, Q2 2026
- $274.6M
- Assets vs Q2 2025
- +1.4%
- Tier 1 leverage ratio, Q2 2026
- 14.48%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 073907509
- Holding company
- FIRST FONTANELLE BANCORPORATION
- Asset rank in state
- 115th of 225 in Iowa
FNB Bank, based in Fontanelle, Iowa, reported $275 million in assets at June 30, 2026, up 1.4% from a year earlier. It holds commercial real estate loans equal to only 26% of its capital, a small fraction of the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also carries problem assets equal to 0.1% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for banks its size.
Net income for the quarter rose 16% from a year earlier, to $1.4 million. Over the same year, loans grew 5.4% and deposits shrank 1.8%.
As of June 30, 2026, FNB Bank reported a return on assets of 1.99%, a nonperforming-loan ratio of 0.02% and a Texas ratio of 0.09%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, FNB Bank is the 115th largest of the 225 banks headquartered in Iowa. From Q1 2026 to Q2 2026, its total assets fell 1.0% to $274.6M, loans rose 0.4% and deposits fell 4.3%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 41.3% of total loans, ahead of agricultural production loans at 36.5%. Its 5 offices in the FDIC Summary of Deposits are in 5 cities in IA; its Greenfield office books 41% of its branch deposits. By the capital ratios in its Q2 2026 call report, FNB Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 311 5th Street, Fontanelle, IA 50846
- County
- Adair
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 23, 1905
- Former names
- First National Bank (1970-2016)
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 38
- Domestic deposits
- $211.3M
- Allowance for credit losses
- $4.4M
- Net charge-offs (YTD)
- -$9K
- Average total assets
- $277.8M
- Average total loans
- $226.9M
- Average interest-bearing deposits
- $179.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 954
- Fed RSSD
- 617743
- Website
- http://www.fnbfontanelle.com →
- Parent Holding Company
- FIRST FONTANELLE BANCORPORATION (RSSD 1131778)
- Ultimate Parent
- RSSD 3696141
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, FNB Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, FNB Bank's total assets ran between $258.8M (Q1 2024) and $277.4M (Q1 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
$274.6M total assets against $271.0M; $231.1M total liabilities against $231.0M.
$223.3M net loans and leases against $211.8M; $211.3M total deposits against $215.2M.
$33.8M securities against $38.7M; $5.8M cash and balances due against $9.0M.
$3.8M total interest income against $3.5M; $966K total interest expense against $968K.
$2.8M net interest income against $2.6M.
$277K total noninterest income against $281K; $1.6M total noninterest expense against $1.6M.
No provision recorded in the last 12 quarters.
$1.4M net income against $1.2M.
1.99% return on assets against 1.74%; 4.19% net interest margin against 3.91%.
14.48% tier 1 leverage ratio against 13.45%.
Inside the full FNB Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
FNB Bank rankings
Its closest position to the top of a national ranking is 503 of 3,611, for ROA; its furthest is 3,247 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.20% (Q3 2024) to 2.04% (Q1 2026) and its net interest margin ran from 3.48% (Q3 2024) to 4.19% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.48% | 1.99% | 0.02% | 0.09% | 4.19% |
| Q1 2026 | 14.20% | 2.04% | 0.03% | 0.18% | 4.08% |
| Q4 2025 | 14.29% | 1.24% | 0.02% | 0.10% | 4.03% |
| Q3 2025 | 13.96% | 1.82% | 0.02% | 0.10% | 4.04% |
| Q2 2025 | 13.45% | 1.74% | 0.00% | 0.00% | 3.91% |
| Q1 2025 | 13.09% | 1.48% | 0.00% | 0.00% | 3.70% |
| Q4 2024 | 13.00% | 1.25% | 0.00% | 0.00% | 3.48% |
| Q3 2024 | 12.95% | 1.20% | 0.00% | 0.00% | 3.48% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| Greenfield Branch | Greenfield , IA | 50849 | $87.0M |
| FNB Bank (main office) | Fontanelle , IA | 50846 | $56.6M |
| Massena Branch | Massena , IA | 50853 | $30.3M |
| Correctionville Branch | Correctionville , IA | 51016 | $25.3M |
| Anita Branch | Anita , IA | 50020 | $12.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 28, 2004 | Structure Change | Acquired Union National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 26, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in IA, rank 129 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 49 applications, 33 loans originated, $3.9M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $332K approved, $332K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2009 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 FNB Bank
What are FNB Bank's total assets?
As of the Q2 2026 filing, FNB Bank reported total assets of $274.6 million in its FFIEC call report.
Where is FNB Bank headquartered?
It is headquartered in Fontanelle, IA, United States.
When was FNB Bank founded?
It was established in 1905, per the FDIC institution directory.
Is FNB Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #954). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates FNB Bank?
FNB Bank's primary federal regulator is the Federal Reserve.
How many branches does FNB 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 FNB Bank's Texas Ratio?
Its Texas Ratio is 0.09% 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.
What was FNB Bank previously called?
The charter now named FNB Bank has also operated as First National Bank (1970-2016), per FDIC structure-change records.
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