First National Community Bank
Total assets
$345.3M
▲ +6.2% YoY
Deposits
$311.8M
▲ +6.7% YoY
Loans
$235.5M
▲ +13.3% YoY
Offices
5
ONE CORP
ROA (annualized)
1.35%
peers 1.24%
ROE (annualized)
17.29%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.2% | +4.4% | +1.8 pts |
| Deposit growth (YoY) | +6.7% | +4.0% | +2.8 pts |
| Loan growth (YoY) | +13.3% | +5.6% | +7.7 pts |
| ROA | 1.35% | 1.24% | +0.1 pts |
| ROE | 17.3% | 11.9% | +5.4 pts |
ROA ranks in the 57th percentile of its peer group · Q2 2026
Profile
- Established
- 1919
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- ONE CORP
- Specialization
- Commercial Lending Specialization
- Address
- 109 E 2nd St, New Richmond, WI, 54017
- County
- St. Croix
- Metro area
- Minneapolis-St. Paul-Bloomington, MN-WI
- Offices
- 5
- FDIC cert #
- 5357
- RSSD ID
- 23755
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $345.3M | $311.8M | $235.5M | $26.7M | $2.2M | 1.35% | 4.22% | 0.11% |
| Q1 2026 | $336.8M | $304.1M | $228.5M | $26.0M | $1.1M | 1.30% | 3.95% | 0.17% |
| Q4 2025 | $319.1M | $287.0M | $217.5M | $25.3M | $2.9M | 0.90% | 3.47% | 0.15% |
| Q3 2025 | $329.0M | $296.5M | $211.1M | $22.7M | $2.0M | 0.82% | 3.36% | 0.14% |
| Q2 2025 | $325.2M | $292.1M | $207.9M | $21.0M | $1.2M | 0.71% | 3.22% | 0.11% |
| Q1 2025 | $333.5M | $301.3M | $201.0M | $20.2M | $388K | 0.48% | 2.98% | 0.90% |
| Q4 2024 | $319.6M | $285.8M | $199.2M | $19.3M | $2.2M | 0.70% | 2.93% | 0.84% |
| Q3 2024 | $318.5M | $284.4M | $192.4M | $19.7M | $1.7M | 0.69% | 2.92% | 0.81% |
Loan mix (Q2 2026): real estate $201.5M · commercial $22.4M · consumer $5.7M · securities $71.7M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.35% | 1.24% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 17.3% | 11.9% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.22% | 3.96% | 65th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.9% | 62.9% | 59th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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