# FNCB BANK
DUNMORE, PA · FDIC certificate 7472 · asset band $1-10B · latest filing 2024-06 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (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 | $1.81B | |
| Deposits | $1.43B | |
| Loans and leases | $1.27B | |
| Total equity | $138.9M | |
| Loans / deposits | 87.65% (p49 of band) | 88.26% |
| Liquid assets / assets | 24.88% (p61 of band) | |
| Uninsured deposits / deposits | 44.58% (p88 of band) | 29.45% |
| Brokered deposits | 7.89% | |
| Wholesale funding | 20.43% (p84 of band) | |
| FHLB advances / assets | 11.15% | |
| Tier 1 leverage | 9.53% (p35 of band) | 10.09% |
| Unrealized securities loss / equity | -35.87% (p20 of band) | -15.94% |
| AOCI / equity | 1.35% (p93 of band) | |
| ROA (annualized) | 0.58% (p25 of band) | 0.90% |
| Net interest margin | 3.15% (p50 of band) | 3.16% |
| Efficiency ratio | 68.17% (p57 of band) | |
| Noncurrent loans | 0.75% (p76 of band) | 0.37% |
| Net charge-offs (annualized) | 0.22% (p89 of band) | |
| Reserve coverage of noncurrent | 145.59% | |
| Real estate % of loans | 57% | |
| Construction % of loans | 53.49% (p45 of band) | |
| Auto loans | $70.6M (5.57% of loans; DQ 1.66%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | -3.1% | |
| Employees | 195 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | leverage <7%, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 3 | expense ratio p90 | construction >100% equity |
| 2011-09 | 2 |  | reserve under noncurrent |
| 2011-12 | 1 |  | leverage <7% |
| 2012-03 | 4 | losing money, deposits shrinking, assets shrinking |  |
| 2012-06 | 5 | uninsured deposits leaving |  |
| 2012-09 | 5 |  |  |
| 2012-12 | 6 | capital falling |  |
| 2013-03 | 4 |  | losing money, capital falling |
| 2013-06 | 2 |  | deposits shrinking, assets shrinking |
| 2013-09 | 2 |  |  |
| 2013-12 | 1 |  | uninsured deposits leaving |
| 2014-03 | 0 |  | expense ratio p90 |
| 2014-06 | 1 | deposits shrinking |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | expense ratio p90 |  |
| 2015-03 | 1 |  | expense ratio p90 |
| 2015-06 | 0 |  | deposits shrinking |
| 2015-09 | 2 | wholesale funding >15%, capital falling |  |
| 2015-12 | 3 | brokered >10%, expense ratio p90 | capital falling |
| 2016-03 | 3 | charge-offs p90 | expense ratio p90 |
| 2016-06 | 3 | uninsured deposits leaving | brokered >10% |
| 2016-09 | 0 |  | wholesale funding >15%, charge-offs p90, uninsured deposits leaving |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 1 | wholesale funding >15% |  |
| 2018-09 | 2 | capital falling, charge-offs p90 | wholesale funding >15% |
| 2018-12 | 0 |  | capital falling, charge-offs p90 |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | deposits shrinking |  |
| 2019-12 | 2 | reserve under noncurrent |  |
| 2020-03 | 0 |  | deposits shrinking, reserve under noncurrent |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | capital falling |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | wholesale funding >15% | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | charge-offs p90 |  |
| 2024-06 | 2 |  | charge-offs p90 |

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

- 2024-07-01 [Peoples Financial Services Corp. and FNCB Bancorp, Inc. Complete Merger - PR Newswire](https://news.google.com/rss/articles/CBMiwgFBVV95cUxNSFBtaUVRZXVRd2x5SmZFSVBJcElSdnFGS19YUnFyWW9pNGJ5MmdrcHVyVXNueUVGMzZMaVVnWHN3eVR0N0FUbzctQU5tQm1OenAtMnhOaUZvNjZXbEtPMDVpc3UzbG0tNldaZkZxNWVsME1EdjlSbmw4OGFYZy1ZNUhVUDEzTXRKX1FxOXVkNVpjYVRhT25PVUpLS0FUcW9GTFZ4SDMyUWpObkpPZHAzeDUxSm9haGxlTnNtOVJiWmpPQQ?oc=5) · PR Newswire
- 2024-01-11 [FNCB Bank donates $85,000 to Diocese of Scranton Scholarship Foundation - Diocese of Scranton](https://news.google.com/rss/articles/CBMipwFBVV95cUxQRzdIOGhmZ2lickRCalFjMjhXUFVDNkdhLXdzTkhUX1FhcHdqYzJCQ05BNkt5SEFhbXdFNU9oSW9HWEp4ZnZJd2dPbC1paGZ4YUY4QnloUTkxZ0xnWFcxZDMzWHZfVkhTRTg5MTltaXBscEZZZ2tXcXNsTVBWMUJ4Tk9lVW9BdjlxeGhxQy00aGFRVUJMb0dtdGlpX2hKWUlCa1RxamotYw?oc=5) · Diocese of Scranton
- 2022-01-10 [FNCB Bank donates $8,000 to Dallas Foundation for Excellence in Education - Times Leader](https://news.google.com/rss/articles/CBMitwFBVV95cUxNSFBMRGpVWFR1R2d2elNiUWN0NzA5ajBkd3BnOS1ISkxONmxxTkpaeUZqaEEtbVNMNVREYjRrSnY5eVIzRnBPQU1TN3VQdXlDOElTMGVYOHI2V0l2YldnVjkxV3o1S19hN1BMUngyTldxa21leFBlYzVoS09XeV9QZGQ4Zk9JcENkcFhkek11OURObG5Md1VQbFBTOVNPbEFjMzR1SzFmMWVEWnI5VW5ZTnlyc0Y0aUE?oc=5) · Times Leader
- 2022-11-27 [Mark Oley Added to FNCB Bank Advisory Board - citybiz](https://news.google.com/rss/articles/CBMiigFBVV95cUxNVkZzQXVPek9BTUlMYUo2WFRfWjZJLWlWZnlhN3U0aV9rQ3NqRzREQ01XcThmX3pSV1JfYUFkLWVUY2lwUl9hc3lTZXBmTGdhbE1pX21rNWU5TTNlbFlZZU1jamp2SVRsOWoyQ2phZVZYejlKWFNLNElydWE3enlldm93WTBDbkFhVFE?oc=5) · citybiz
- 2019-11-12 [FNCB New Era on Dunmore Corners - WNEP](https://news.google.com/rss/articles/CBMiygFBVV95cUxOZnFZc2tvVVFGTTQ3dkJzcGxvY1ZGNmVoaER0WVpocE9hUGtzZWxyMlFiSVU2VzRVaUpwRHN6eDNUSVFER2hUZmpoWGY3TF8xaFlQU0FnNG5wS3BBZ09KaWhqTTkwdENsb1RTRzdza3pRdmlQSURjTVZqUElHSE0tcmt3STdta3lkZmF4Tm56RUpHenJPRXdkbGFHWW9EMGtjbEZCRHc1N1E2Tl9rNmFKV2JfRUZDdDhnSURNeG4zQUpsSFJ2Ym1QMm93?oc=5) · WNEP
- 2024-01-04 [Shareholder lawsuit against FNCB, DeNaples claims incomplete financials given on merger with Peoples bank - The Citizens' Voice](https://news.google.com/rss/articles/CBMi3wFBVV95cUxNQXJEeEZablplcGtSc2NOTV9GejBUWEpUcWU5NzRwdUZKRm1XQ05CS0RKNVJCdDRCTnBEWmtleFg0WEFDVVBYTTB3TkNMYjA4SDR0aWRKcHF1ZDV0LS03ZjE5X2ZjM0RrN0JxY1M4dzlNREYxdFR6bnBLWW1PNGFwdF9lYTVHVXE4RlFFV2VVTk5MT1pfOGZEUkc0aXI0b3FCV0gxUDJoM1c3OE5LV3RfcjE0b2FJZ2MyVGxyaHlYczUxYm9fX09xNFhvZzRtMXlzazV1Ul9JUDdFRDBKdy00?oc=5) · The Citizens' Voice
- 2023-09-27 [Peoples Financial Services Corp. and FNCB Bancorp, Inc. Announce Transformational Strategic Merger - PR Newswire](https://news.google.com/rss/articles/CBMi5gFBVV95cUxQX3JIMkZ5WEJPdlR0c2hTd2IwMWd3bk41UmRYazhHYjVMbkdGLWNZMXZNdmtrTi0tTmd4d3E5aUFGMVR5M05WckotblIyM25wTXlTLThkTDY1U00zRG5FY0RnUFhna3dOa1FhRmlNc2ZoRk9Sd1FkbThNblVNYVRCdDVIeF9RWHJ6QXNPZG9Hc25CR2g1S1BtSXpMMU94aVM1bzRnd1liYnR0MjA2MzNHaHlBSnBFWmJJLUs3VmNHR3JnZkNlRUhRVXQtcUo1NGxWZ3phUzN5cUE2eFNtcFc0cVZaQ0NRUQ?oc=5) · PR Newswire
- 2020-08-31 [Family ties bind bank behind $50M taxpayer-backed coronavirus loan to Poconos casino - Inquirer.com](https://news.google.com/rss/articles/CBMivAFBVV95cUxQX0tGOV9XNWpMaDhMM1dUd0FTS051TVlvbENEN3hLXzFpWmE0ZlkyWE9ER0N2MUJQdDBFSFlUS3Rkb2lwVE44TzRqVlZGWWF3UWduWkR0RkNSMFlpMFNQODB3SS01NDdkOFFjOHVzWGVSemFBcnVFMUh4R3QwWkdIbERGZGpRb2J5UlVtTUEwR2wzb2dGOEtMUTN0NG82RzM4aWFHOVpWaGEzUmt3T3NaMHlVdnUtNUhPX1BpUg?oc=5) · Inquirer.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=7472 (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/48.json (key "7472", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide