🏦Bank Scorer

FIRST NATIONAL COMMUNITY BANK

NEW RICHMOND, WI · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1919FDIC #5,357
Outstanding Same

Current rating · Exam: April 2024

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.30%

Institution Profile

FDIC BankFind

Address

109 E 2nd St, NEW RICHMOND, WI

County

St. Croix County

Established

January 1, 1919

Total Assets

$337M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

April 15, 2024

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Apr 2029(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$337M

Total Deposits

$304M

Net Loans

$229M

Net Income

$1M

ROA

1.30%

ROE

16.63%

Risk-Based Capital

14.50%

Regulatory minimum: 8%

Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$292M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

6 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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