TellerScore

FNB Bank is a state-chartered bank (fed member) headquartered in Fontanelle, Iowa, in business for about 121 years. At the end of Q2 2026 it reported $274.6M in total assets and $211.3M in deposits, with 5 offices.

Based on its Q2 2026 filing, FNB Bank scores 91/100, which we describe as very strong. That is higher than 96% of 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 11th. Its strongest component is earnings (100/100; 2.03%), and its lowest is funding & liquidity (49/100; 106% loans-to-deposits, 20% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion95/100
Tier 1 leverage ratio: 14.48%
Loan quality99/100
Noncurrent loans ÷ total loans: 0.02%
Earnings100/100
Return on assets (annualized): 2.03%
Funding & liquidity49/100
Loans ÷ deposits and uninsured-deposit share: 105.7% · 20.2% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.08%

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 (85 → 91), mostly because the earnings component improved by 16 points.

TellerScore
798591Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202479
Q3 202480
Q4 202480
Q1 202584
Q2 202585
Q3 202587
Q4 202587
Q1 202690
Q2 202691
Tier 1 leverage ratio
5.00%9.74%14.48%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.85%
Q3 202412.95%
Q4 202413.00%
Q1 202513.09%
Q2 202513.45%
Q3 202513.96%
Q4 202514.29%
Q1 202614.20%
Q2 202614.48%
Noncurrent loans
0.00%0.02%0.03%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.02%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.02%
Q4 20250.02%
Q1 20260.03%
Q2 20260.02%
Return on assets
0.84%1.44%2.05%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.84%
Q3 20240.95%
Q4 20241.03%
Q1 20251.47%
Q2 20251.61%
Q3 20251.67%
Q4 20251.56%
Q1 20262.05%
Q2 20262.03%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202691$274.6M14.48%0.02%2.03%105.7%
Q1 202690$277.4M14.20%0.03%2.05%100.7%
Q4 202587$273.7M14.29%0.02%1.56%103.0%
Q3 202587$276.4M13.96%0.02%1.67%103.4%
Q2 202585$271.0M13.45%0.00%1.61%98.4%
Q1 202584$276.9M13.09%0.00%1.47%96.2%
Q4 202480$273.2M13.00%0.00%1.03%99.4%
Q3 202480$271.4M12.95%0.00%0.95%97.3%
Q2 202479$266.6M12.85%0.02%0.84%93.0%

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 ratio14.48%
84th
Total risk-based capital0.00%
24th
Problem loans0.02%
84th
Net charge-offs-0.01%
87th
Return on assets2.03%
87th
Net interest margin4.22%
66th
Efficiency ratio52.9%
77th
Loans to deposits105.7%
5th
Uninsured deposits20.2%
64th
Loan-loss reserves1.94%
93rd
Texas ratio0.1%
86th

Similar-size banks in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
Iowa State Savings BankBank Creston, IA74 out of 100, Strong$276.5M9.4%0.20%vs
Reliance State BankBank Story City, IA43 out of 100, Below average$276.8M9.7%2.95%vs
Success BankBank Bloomfield, IA79 out of 100, Strong$277.1M12.2%0.33%vs
DeWitt Bank & Trust Co.Bank Dewitt, IA62 out of 100, Moderate$277.3M9.4%1.26%vs
Farmers and Merchants State BankBank Winterset, IA78 out of 100, Strong$271.7M10.7%0.00%vs
Cherokee State BankBank Cherokee, IA83 out of 100, Strong$271.1M13.0%0.00%vs

Deposit insurance

Is my money safe at FNB Bank?

Yes. FNB Bank is an FDIC-insured institution (FDIC certificate #954). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 20.2% of deposits ($42.6M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 14.48%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

FNB Bank lists 5 offices in 5 cities. Most locations:

  • Anita, IA (1)
  • Correctionville, IA (1)
  • Fontanelle, IA (1)
  • Greenfield, IA (1)
  • Massena, IA (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, FNB Bank reported 49 home-loan applications under HMDA (LEI 254900XW0LQQA1I2P960): 33 originated ($3,865,000 total), 6 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.5%, 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
FNB Bank
Former names
First National Bank; State Savings Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
954
RSSD ID
617743
Primary regulator
FED
Holding company
First Fontanelle Employee Stk Ownership Plan&tr
Established
August 23, 1905
Headquarters
311 5th Street, Fontanelle, IA 50846
Employees
38

Quick answers

FNB Bank: common questions

Is FNB Bank FDIC insured?

Yes. FNB Bank is an FDIC-insured institution (FDIC certificate #954). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is FNB Bank's TellerScore?

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

Has FNB Bank ever failed?

There is no failure record for FDIC certificate #954 in the FDIC failed bank list.

How many branches does FNB Bank have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Fontanelle

InstitutionScoreAssetsCapitalProblem loansCompare
First State BankBank Stuart, IA82 out of 100, Strong$129.7M11.9%0.03%vs
Farmers and Merchants State BankBank Winterset, IA78 out of 100, Strong$271.7M10.7%0.00%vs
Rolling Hills Bank & TrustBank Atlantic, IA77 out of 100, Strong$484.4M11.8%0.30%vs
PCSB BankBank Clarinda, IA77 out of 100, Strong$326.1M11.1%0.25%vs
Iowa State Savings BankBank Creston, IA74 out of 100, Strong$276.5M9.4%0.20%vs
Union State BankBank Greenfield, IA71 out of 100, Strong$168.7M9.3%0.51%vs