Fncb Bank Mortgage Rates, Fees & Info

Dunmore, PA

LEI: 2549001VTOPU7JA6G249

Tax ID: 24-0566588

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Mortgage Data

Bank Data

Review & Overview

Fncb Bank is a smaller bank specializing in Refi and Home Purchase loans. Fncb Bank has a high proportion of conventional loans. Their top markets by origination volume include: Scranton, Bloomsburg, New York, Philadelphia, and Ocean City among others. We have data for 19 markets. (Some data included below & more in-depth data is available with an active subscription.)

Fncb Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

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SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.81% 3/28/24
30 Year Conventional Refi 6.53% 3/28/24
30 Year Cash-out Refi 6.89% 3/28/24
15 Year Conventional Purchase 6.29% 3/28/24
15 Year Conventional Refi 6.68% 3/28/24
15 Year Cash-out Refi 6.68% 3/28/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Fncb Bank Mortgage Calculator






Your Estimates

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This is not an official calculator from Fncb Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

476

Origination Dollar Volume (All Markets)

$91,060,000

Employee count

203

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 372 $65,870,000 $177,070 $0 0.00%
Outside of Metro Areas 56 $7,640,000 $136,429 $0 0.00%
BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 4 $4,990,000 $1,247,500 $0 0.00%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 10 $3,050,000 $305,000 $0 0.00%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 7 $2,065,000 $295,000 $0 0.00%
OCEAN CITY, NJ (FHA|USDA|VA) 2 $1,670,000 $835,000 $0 0.00%
EAST STROUDSBURG, PA (FHA|USDA|VA) 3 $1,265,000 $421,667 $0 0.00%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 2 $1,060,000 $530,000 $0 0.00%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 6 $770,000 $128,333 $0 0.00%
READING, PA (FHA|USDA|VA) 3 $475,000 $158,333 $0 0.00%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 1 $385,000 $385,000 $0 0.00%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 2 $330,000 $165,000 $0 0.00%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $295,000 $295,000 $0 0.00%
PITTSBURGH, PA (FHA|USDA|VA) 2 $250,000 $125,000 $0 0.00%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $245,000 $245,000 $0 0.00%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $225,000 $225,000 $0 0.00%
SALISBURY, MD-DE (FHA|USDA|VA) 1 $205,000 $205,000 $0 0.00%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1 $195,000 $195,000 $0 0.00%
Pottsville, PA (FHA|USDA|VA) 1 $75,000 $75,000 $0 0.00%
Fncb Bank's top markets include Scranton, Bloomsburg, New York, Philadelphia, and Ocean City among others.

Their top states include:
  • Pennsylvania (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Virginia (FHA|USDA|VA)
  • New York (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against FNCB Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    The Honesdale National Bank
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 476 $91,060,000 $191,303 $0 0.00%

    For 2020, Fncb Bank's most frequently originated type of loan was Conventional, with 476 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 268 $46,980,000 $175,299 $0 0.00%
    Home Purchase 149 $38,025,000 $255,201 $0 0.00%
    Home Improvement 27 $1,775,000 $65,741 $0 0.00%
    Other 25 $2,025,000 $81,000 $0 0.00%
    Cash Out Refi 7 $2,255,000 $322,143 $0 0.00%

    For 2020, Fncb Bank's most frequently cited loan purpose was Refi, with 268 originations. The 2nd most popular reason was Home Purchase, with 149 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 476 $91,060,000 $191,303 $0 0.00%

    For 2020, Fncb Bank's most frequently cited loan duration was Other, with 476 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 197 $11,635,000 $59,061 $0 0.00%
    $100k-200k 154 $21,850,000 $141,883 $0 0.00%
    $200k-400k 95 $26,155,000 $275,316 $0 0.00%
    $400k-600k 15 $6,965,000 $464,333 $0 0.00%
    $1MM+ 8 $18,790,000 $2,348,750 $0 0.00%
    $600k-1MM 7 $5,665,000 $809,286 $0 0.00%

    2020 saw Fncb Bank place emphasis on $100,000 or less loans with 197 originations, totaling $11,635,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 86 $13,370,000 $155,465 $0 0.00%
    $150k-250k 78 $15,030,000 $192,692 $0 0.00%
    $50k-75k 78 $8,490,000 $108,846 $0 0.00%
    $75k-100k 67 $8,275,000 $123,507 $0 0.00%
    $50k or less 63 $4,665,000 $74,048 $0 0.00%
    $250k+ 51 $17,835,000 $349,706 $0 0.00%

    Fncb Bank lent most frequently to those with incomes in the $100k-150k range, with 86 originations. The second most popular income band? $150k-250k, with 78 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 476 $91,060,000 $191,303 $0 0.00%

    Fncb Bank lent most frequently to those with DTI ratios of Exempt%, with 476 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 404 $66,310,000 $164,134 $0 0.00%
    Not applicable 45 $22,385,000 $497,444 $0 0.00%
    Not provided 20 $1,990,000 $99,500 $0 0.00%
    Black 3 $115,000 $38,333 $0 0.00%
    American Indian 1 $105,000 $105,000 $0 0.00%
    Asian Indian 1 $65,000 $65,000 $0 0.00%
    Native Hawaiian or Islander 1 $45,000 $45,000 $0 0.00%
    Asian 1 $45,000 $45,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    85.32%

    Fncb Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    72.27%

    Fncb Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 476 $91,060,000 $191,303

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 14 $15,930,000 $1,137,857
    Single Family (1-4 Units):Manufactured 1 $95,000 $95,000
    Single Family (1-4 Units):Site-Built 461 $75,035,000 $162,766

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Fncb Bank 754 Wyoming Avenue Kingston, PA 18704 Full Service B&M $31,760
    Fncb Bank 1 North Main Street Wilkes-Barre, PA 18701 Full Service B&M $158,810
    Fncb Bank 100 S Blakely Street Dunmore, PA 18512 Full Service B&M $204,270
    Fncb Bank 1001 Main Street Honesdale, PA 18431 Full Service B&M $73,362
    Fncb Bank 1150 Route 315 Wilkes Barre, PA 18711 Full Service B&M $43,119
    Fncb Bank 1219 Wheeler Ave Dunmore, PA 18510 Full Service B&M $50,291
    Fncb Bank 1625 Wyoming Avenue Exeter, PA 18643 Full Service B&M $46,540
    Fncb Bank 1700 North Township Blvd Pittston, PA 18640 Full Service B&M $71,580
    Fncb Bank 1745 Keyser Avenue Scranton, PA 18504 Full Service B&M $29,061
    Fncb Bank 194 South Market Street Nanticoke, PA 18634 Full Service B&M $23,386
    Fncb Bank 196 North Main Street Shavertown, PA 18708 Full Service B&M $46,451
    Fncb Bank 269 East Grove Street Clarks Green, PA 18411 Full Service B&M $88,175
    Fncb Bank 330-352 West Broad Street Hazleton, PA 18201 Full Service B&M $61,178
    Fncb Bank 360 South Mountain Boulevard Mountain Top, PA 18707 Full Service B&M $13,289
    Fncb Bank 419-421 Spruce Street Scranton, PA 18503 Full Service B&M $96,447
    Fncb Bank 921 Drinker Turnpike, Suite 26 Moscow, PA 18444 Full Service B&M $40,747
    Fncb Bank 934 Main Street Dickson City, PA 18519 Full Service B&M $91,297

    For 2020, Fncb Bank had 17 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $46,262
    Net interest income $40,353
    Total noninterest income $6,516
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $1,833
    Trading account gains and fees $0
    Additional Noninterest Income $4,683
    Pre-tax net operating income $16,353
    Securities gains (or losses, -) $1,541
    Income before extraordinary items $14,675
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $14,675
    Minority interest net income $0
    Net income $14,675
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $13,411

    Fncb Bank's gross interest income from loans was $46,262,000.
    Fncb Bank's net interest income from loans was $40,353,000.
    Fncb Bank's fee based income from loans was $1,833,000.
    Fncb Bank's net income from loans was $14,675,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $5,909
    Provision for credit losses $1,941
    Total noninterest expense $28,575
    Salaries and employee benefits $15,246
    Premises and equipment expense $3,605
    Additional noninterest expense $9,724
    Applicable income taxes $3,219
    Net charge-offs $-1,059
    Cash dividends $10,000

    Fncb Bank's interest expense for loans was $5,909,000.
    Fncb Bank's payroll and benefits expense were $15,246,000.
    Fncb Bank's property, plant and equipment expenses $3,605,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 1.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 1.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $1,287,632
    Deposits held in domestic offices $1,287,632
    Deposits by Individuals, partnerships, and corporations $959,544
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $327,003
    Deposits by Commercial banks and other depository institutions in U.S. $1,084
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $727,963
    Demand deposits $354,187
    Nontransaction accounts $559,668
    Money market deposit accounts (MMDAs) $257,116
    Other savings deposits (excluding MMDAs) $108,681
    Total time deposits $193,871
    Total time and savings deposits $933,444
    Noninterest-bearing deposits $271,683
    Interest-bearing deposits $1,015,949
    Retail deposits $1,231,664
    IRAs and Keogh plan accounts $21,344
    Brokered deposits $20,001
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,451,413
    Cash & Balances due from depository institutions $144,601
    Interest-bearing balances $119,779
    Total securities $350,968
    Federal funds sold & reverse repurchase $0
    Net loans and leases $891,259
    Loan and leases loss allowance $11,950
    Trading account assets $23
    Bank premises and fixed assets $20,603
    Other real estate owned $58
    Goodwill and other intangibles $324
    All other assets $43,577

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,451,413
    Total Liabilities $1,299,713
    Total deposits $1,287,632
    Interest-bearing deposits $1,015,949
    Deposits held in domestic offices $1,287,632
    % insured (estimated) $73
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $23
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $12,058

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $891,259
    Loan and leases loss allowance $11,950
    Total loans and leases (domestic) $903,209
    All real estate loans $531,317
    Real estate loans in domestic offices $531,317
    Construction and development loans $59,785
    Residential 1-4 family construction $6,480
    Other construction, all land development and other land $53,305
    Loans secured by nonfarm nonresidential properties $243,351
    Nonfarm nonresidential secured by owner-occupied properties $126,290
    Commercial real estate & other non-farm, non-residential $117,061
    Multifamily residential real estate $29,672
    1-4 family residential loans $198,223
    Farmland loans $286
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $235,044
    To non-U.S. addressees $0
    Loans to individuals $87,597
    Credit card loans $0
    Related Plans $289
    Consumer Auto Loans $82,798
    Other loans to individuals $4,510
    All other loans & leases $49,361
    Loans to foreign governments and official institutions $0
    Other loans $353
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $6,975
    Non 1-4 family restructured loans & leases $5,513
    Total loans and leases (foreign) $0

    FNCB Bank had $891,259,000 of loans outstanding in 2020. $531,317,000 of loans were in real estate loans. $59,785,000 of loans were in development loans. $29,672,000 of loans were in multifamily mortgage loans. $198,223,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $82,798,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 420 $79,640 $189,619
    Nonfarm, nonresidential loans - <$100k 111 $3,865 $34,820
    Nonfarm, nonresidential loans - $100-250k 142 $16,700 $117,606
    Nonfarm, nonresidential loans - $250k-1MM 167 $59,075 $353,743
    Commercial & Industrial, US addressed loans - <$1MM 1,940 $123,634 $63,729
    Commercial & Industrial, US addressed loans - <$100k 1,490 $37,575 $25,218
    Commercial & Industrial, US addressed loans - $100-250k 279 $32,914 $117,971
    Commercial & Industrial, US addressed loans - $250k-1MM 171 $53,145 $310,789