This institution is no longer active

Operations ceased on July 1, 2024. CRA examination history below reflects the period it was active.

FNCB BANK

DUNMORE, PA · Supervised by FDIC

Est. 1910FDIC #7,472RSSD: FDIC-7472

Part ofFNCB BCORP INC→ View all charters

Satisfactory Same

Current rating · Exam: August 2022

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.58%

Is this bank safe?

FNCB BANK holds a Satisfactory CRA rating (2022), meets basic financial requirements (ROA +0.58%).

Institution Profile

FDIC BankFind

Address

100 S Blakely St, DUNMORE, PA

County

Lackawanna County

Established

January 1, 1910

Total Assets

$1.8B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

August 1, 2022

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Aug 2026(based on asset size)

Financial Snapshot

As of Q2 2024Call Report / FDIC

Total Assets

$1.8B

Total Deposits

$1.4B

Net Loans

$1.3B

Net Income

$5M

ROA

0.58%

Below avg for Community banks. Peer avg: 0.90%

ROE

8.02%

Risk-Based Capital

13.54%

Above avg for Community banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

ROA0.58%Peer avg: 0.90%▼ Below avg

Risk-Based Capital13.54%Peer avg: 12.91%▲ Above avg

Mortgage Denial Rate1.56%Peer avg: 10.20%▼ Fewer than avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2023	64	78.13%	1.56%
2022	520	66.54%	17.69%
2021	949	70.18%	14.75%
2020	751	63.38%	14.78%
2019	578	59.86%	21.97%
2018	429	61.07%	26.11%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Aug 2022	Satisfactory	Intermediate Small Bank
Jan 2019	Satisfactory	Intermediate Small Bank

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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