TellerScore

First National Community Bank is a national bank headquartered in New Richmond, Wisconsin, in business for about 107 years. At the end of Q2 2026 it reported $345.3M in total assets and $311.8M in deposits, with 5 offices.

Based on its Q2 2026 filing, First National Community Bank scores 71/100, which we describe as strong. That is higher than only 47% of 2,650 banks with $100 million – $1 billion. Among 154 banks headquartered in Wisconsin, it ranks 85th. Its strongest component is problem-loan coverage (97/100; 1.3%), and its lowest is capital cushion (44/100; 9.38%).

TellerScore · Q2 2026

Scorecard

Capital cushion44/100
Tier 1 leverage ratio: 9.38%
Loan quality95/100
Noncurrent loans ÷ total loans: 0.16%
Earnings74/100
Return on assets (annualized): 1.35%
Funding & liquidity64/100
Loans ÷ deposits and uninsured-deposit share: 75.5% · 33.8% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.28%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 6 points (65 → 71), mostly because the earnings component improved by 26 points.

TellerScore
496071Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202454
Q3 202454
Q4 202454
Q1 202549
Q2 202565
Q3 202566
Q4 202567
Q1 202670
Q2 202671
Tier 1 leverage ratio
5.00%7.19%9.38%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.07%
Q3 20249.04%
Q4 20249.09%
Q1 20258.84%
Q2 20259.14%
Q3 20259.23%
Q4 20259.33%
Q1 20269.33%
Q2 20269.38%
Noncurrent loans
0.16%0.82%1.48%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.33%
Q3 20241.32%
Q4 20241.34%
Q1 20251.48%
Q2 20250.16%
Q3 20250.22%
Q4 20250.22%
Q1 20260.25%
Q2 20260.16%
Return on assets
0.48%0.91%1.35%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.69%
Q3 20240.69%
Q4 20240.70%
Q1 20250.48%
Q2 20250.71%
Q3 20250.82%
Q4 20250.90%
Q1 20261.30%
Q2 20261.35%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$345.3M9.38%0.16%1.35%75.5%
Q1 202670$336.8M9.33%0.25%1.30%75.1%
Q4 202567$319.1M9.33%0.22%0.90%75.8%
Q3 202566$329.0M9.23%0.22%0.82%71.2%
Q2 202565$325.2M9.14%0.16%0.71%71.2%
Q1 202549$333.5M8.84%1.48%0.48%66.7%
Q4 202454$319.6M9.09%1.34%0.70%69.7%
Q3 202454$318.5M9.04%1.32%0.69%67.7%
Q2 202454$314.1M9.07%1.33%0.69%70.5%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.38%
19th
Total risk-based capital14.19%
63rd
Problem loans0.16%
68th
Net charge-offs0.02%
40th
Return on assets1.35%
56th
Net interest margin4.22%
66th
Efficiency ratio65.9%
39th
Loans to deposits75.5%
59th
Uninsured deposits33.8%
19th
Loan-loss reserves1.04%
31st
Texas ratio1.3%
65th

Similar-size banks in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
Waumandee State BankBank Waumandee, WI67 out of 100, Moderate$345.5M9.4%0.60%vs
Citizens First BankBank Viroqua, WI75 out of 100, Strong$344.5M10.3%0.44%vs
Cumberland Federal Bank, FSBBank Cumberland, WI78 out of 100, Strong$341.6M10.1%0.19%vs
Bank of AlmaBank Alma, WI83 out of 100, Strong$339.5M50.8%0.97%vs
Sterling BankBank Barron, WI77 out of 100, Strong$352.4M9.4%0.02%vs
Clare Bank, National AssociationBank Platteville, WI72 out of 100, Strong$332.5M11.6%0.85%vs

Deposit insurance

Is my money safe at First National Community Bank?

Yes. First National Community Bank is an FDIC-insured institution (FDIC certificate #5357). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 33.8% of deposits ($105.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.38%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.19% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

First National Community Bank lists 4 offices in 4 cities. Most locations:

  • Dresser, WI (1)
  • Hudson, WI (1)
  • New Richmond, WI (1)
  • Somerset, WI (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First National Community Bank reported 84 home-loan applications under HMDA (LEI 549300Q26XXW77S35W27): 81 originated ($26,235,000 total), 1 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
First National Community Bank
Former names
The First National Bank of New Richmond
Type
National bank
FDIC certificate #
5357
RSSD ID
23755
Primary regulator
OCC
Holding company
One Corp
Established
January 1, 1919
Headquarters
109 E 2nd St, New Richmond, WI 54017
Employees
51

Quick answers

First National Community Bank: common questions

Is First National Community Bank FDIC insured?

Yes. First National Community Bank is an FDIC-insured institution (FDIC certificate #5357). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First National Community Bank's TellerScore?

71 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First National Community Bank ever failed?

There is no failure record for FDIC certificate #5357 in the FDIC failed bank list.

How many branches does First National Community Bank have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near New Richmond

InstitutionScoreAssetsCapitalProblem loansCompare
Security State Bank of MarineBank Marine On St. Croix, MN82 out of 100, Strong$232.5M10.9%0.13%vs
Dairy State BankBank Rice Lake, WI80 out of 100, Strong$730.3M12.0%0.06%vs
Westconsin Credit UnionCredit union Menomonie, WI78 out of 100, Strong$2.2B12.9%0.64%vs
River Falls State BankBank River Falls, WI77 out of 100, Strong$143.2M11.4%0.21%vs
City & County Credit UnionCredit union Saint Paul, MN76 out of 100, Strong$1.2B12.1%0.32%vs
Citizens State Bank of La CrosseBank La Crosse, WI76 out of 100, Strong$648.5M13.4%1.06%vs