# FNB BANK NATIONAL ASSN
DANVILLE, PA · FDIC certificate 7459 · asset band $300M-1B · latest filing 2018-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $358.2M | |
| Deposits | $296.0M | |
| Loans and leases | $238.6M | |
| Total equity | $41.9M | |
| Loans / deposits | 79.72% (p36 of band) | 86.40% |
| Liquid assets / assets | 29.56% (p69 of band) | |
| Uninsured deposits / deposits | 19.24% (p41 of band) | 21.53% |
| Brokered deposits | 0.94% | |
| Wholesale funding | 6.11% (p54 of band) | |
| FHLB advances / assets | 4.19% | |
| Tier 1 leverage | 11.35% (p66 of band) | 10.49% |
| Unrealized securities loss / equity | -5.82% (p27 of band) | -3.26% |
| AOCI / equity | -3.27% (p30 of band) | |
| ROA (annualized) | 0.79% (p24 of band) | 1.12% |
| Net interest margin | 3.28% (p20 of band) | 3.75% |
| Efficiency ratio | 75.96% (p81 of band) | |
| Noncurrent loans | 0.56% (p53 of band) | 0.51% |
| Net charge-offs (annualized) | 0.06% (p69 of band) | |
| Reserve coverage of noncurrent | 197.44% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 3.68% (p7 of band) | |
| Auto loans | $1.9M (0.81% of loans; DQ 0.93%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | -1.4% | |
| Employees | 40 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | reserve under noncurrent |  |
| 2012-12 | 3 | deposits shrinking, assets shrinking |  |
| 2013-03 | 3 |  |  |
| 2013-06 | 1 |  | reserve under noncurrent, assets shrinking |
| 2013-09 | 0 |  | deposits shrinking |
| 2013-12 | 1 | deposits shrinking |  |
| 2014-03 | 0 |  | deposits shrinking |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 2 | capital falling, reserve under noncurrent |  |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 0 |  | reserve under noncurrent |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 4 | loans exceed deposits, wholesale funding >15%, charge-offs p90 |  |
| 2016-03 | 5 | reserve under noncurrent |  |
| 2016-06 | 1 |  | capital falling, loans exceed deposits, wholesale funding >15%, charge-offs p90 |
| 2016-09 | 0 |  | reserve under noncurrent |
| 2016-12 | 1 | reserve under noncurrent |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 | capital falling | reserve under noncurrent |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=7459 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/35.json (key "7459", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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