PackageTrendsPeer
Letter portraitLegal landscape

First National Community Bank

Dunmore, PA · Cert 7472 · Peer group: banks $1B-$10B in assets operating in a single state (n=264-266)

FDIC · 16 branches

Q2 2024

$1.8BAssets
$1.3BLoans
$1.4BDeposits
$138.9MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 55% of banks $1B-$10B in assets operating in a single state (rank 120 of 264).
  • Widest gap: net charge-offs / loans trails 90% of banks $1B-$10B in assets operating in a single state (rank 240 of 266).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.59%

Rank 190 of 266

Net Interest Margin

2.90%

Rank 120 of 264

Efficiency Ratio

68.17%

Rank 140 of 266

Equity / Assets

7.67%

Rank 221 of 266

Non-interest income vs. expense

$8.2M$42.4MINCOMEEXPENSE
Unfavorable gap of $34.2M · efficiency ratio beats 48% of banks $1B-$10B in assets operating in a single state
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.59%0.55%0.83%1.22%Beats 29%190 / 266n/a
Return on Equity7.66%5.94%9.07%12.35%Beats 37%166 / 265n/a
Net Interest Margin2.90%2.48%2.86%3.39%Beats 55%120 / 264n/a
Efficiency Ratio68.17%57.64%67.46%78.36%Beats 48%140 / 266n/a
Asset Quality
Nonperforming Loans / Loans0.75%0.13%0.33%0.72%Beats 22%208 / 266n/a
Net Charge-Offs / Loans0.21%0.00%0.02%0.06%Beats 10%240 / 266n/a
Capital
Tier 1 Capital Ratio12.49%11.36%12.84%14.84%Beats 42%154 / 266n/a
Total Risk-Based Capital Ratio13.54%12.04%13.69%15.92%Beats 48%139 / 266n/a
Equity / Assets7.67%8.12%9.35%11.13%Beats 17%221 / 266n/a
Liquidity & Funding
Loans / Deposits88.62%73.93%87.16%96.80%53rd pctl125 / 266n/a
Loans / Assets69.92%62.79%71.72%79.24%45th pctl147 / 266n/a
Brokered Deposits / Depositsn/aNot reported for this institution