First National Community Bank
New Richmond, WI
IDRSSD: 23755
Total Assets
$328.99M
Latest filing
Total Deposits
$296.49M
Latest filing
Net Interest Margin
3.66%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First National Community Bank
109 E 2nd St
New Richmond, WI 54017
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1919FDIC Certificate 3615
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First National Community Bank (Main) | 109 E 2nd St | New Richmond, WI |
| SOMERSET BRANCH | 531 Main St | Somerset, WI |
| HUDSON BRANCH | 744 Ryan Dr | Hudson, WI |
| DRESSER BRANCH | 111 State Road 35 N | Dresser, WI |
| NEW RICHMOND MESSENGER SERVICE BRANCH | 460 W 8th St | New Richmond, WI |
Showing 4 of 4
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 01/01/1919 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 54017 |
| State and County Number | 55109 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Minneapolis-St. Paul-Bloomington, MN-WI |
Operational Info
| Number of Employees | 51 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.fnc.bank |
| Data Updated | 11/14/2025 |
| CERT | 5357 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $328.99M |
| Total Deposits | $296.49M |
| Total Liabilities | $306.25M |
| Total Equity Capital | $22.74M |
| Net Income | $855.00k |
| Net Loans and Leases | $211.12M |
| Assets Per Employee ($Millions) | $6.58M |
| Bank Premises and Fixed Assets | $6.48M |
| Cash and Balances due from Depository Institutions | $17.56M |
| Deposits Held in Domestic Offices | $296.49M |
Key Performance Ratios
| Return on Assets (ROA) | 1.05% |
| Return on Equity (ROE) | 15.63% |
| Net Interest Margin | 3.66% |
| Efficiency Ratio | 70.31% |
| Tier 1 Risk-Based Capital Ratio | 13.879% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.12% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 6.912% |
| Earning Assets to total Assets | 94.37% |
Income and Expense
| Total Interest Income | $4.08M |
| Total Noninterest Income | $396.00k |
| Total Interest Expense | $1.26M |
| Total Noninterest Expense | $2.26M |
| Net Interest Income | $2.82M |
| Pre-tax Net Operating Income | $855.00k |
| Provision for Credit Losses | $100.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $7.35M |
| Federal Funds Sold & Reverse Repurchase Agreement | $856.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.42M |
| Total Liabilities and Capital | $328.99M |
Securities
| Securities | $82.91M |
| Available-for-sale debt securities | $47.13M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $35.79M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First National Community Bank?
$328.99M as of the latest filing.
How much are First National Community Bank's total deposits?
$296.49M in total deposits.
Where is First National Community Bank located?
New Richmond, WI.
What is the Net Interest Margin?
3.66%.
How many domestic offices does it operate?
5.
When was it established?
01/01/1919.
What is the Return on Assets (ROA)?
1.05%.
How much are total loans and leases?
$211.12M (latest filing).
What is the total interest income (latest filing)?
$4.08M.