FNCB Bancorp, Inc.
investors.fncb.comNo Longer Reporting
The company has not filed an annual or quarterly report since its Q1 FY2024 10-Q, filed May 3, 2024. Its latest SEC filing is a 15-12G from Jul 15, 2024.
10-Q for Q1 FY2024, filed May 3, 2024
The sections below describe the company as of the FY2023 annual report.
What Did They Do?
Provides deposit accounts, loans and other banking services to individuals, businesses and local governments.
10-K for FY2023, filed Mar 8, 2024FNCB is in the business of providing customary retail and commercial banking services to individuals, businesses and local governments and…View ↗
FNCB fulfills its mission and vision by offering a wide range of banking products and services tailored for both individuals and businesses.View ↗
FNCB offers a variety of financing alternatives to individuals and businesses generally in its primary market area through the origination…View ↗
How Did They Make Money?
FNCB earns interest on loans, investment securities and other financial instruments; it also charges service fees, with deposit account charges paid immediately or the following month and transaction fees arising as transactions are completed.
10-K for FY2023, filed Mar 8, 2024
$4.5M
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10-K for FY2023, filed Mar 8, 2024
$4.5M ↗
Who Were Their Customers?
Individuals, businesses and local governments use FNCB's retail and commercial banking services. Customers access accounts through branches, online, mobile and telephone banking; business customers can also use payment and treasury services.
10-K for FY2023, filed Mar 8, 2024FNCB is in the business of providing customary retail and commercial banking services to individuals, businesses and local governments and…View ↗
FNCB fulfills its mission and vision by offering a wide range of banking products and services tailored for both individuals and businesses.View ↗
FNCB offers customers the convenience of 24/7 banking through online (www.fncb.com), mobile and telephone banking channels. Via fncb.com…View ↗
In addition to traditional deposit and loan products, FNCB offers business customers a suite of service options including, remote deposit…View ↗
FNCB offers a variety of financing alternatives to individuals and businesses generally in its primary market area through the origination…View ↗
Did Revenues Turn Into Profits?
Yes. Its net income in FY2023 was larger than its revenue and turned 343 cents into free cash flow.
How Were They Changing?
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Jul 1, 2024
FNCB merged into Peoples, and its shares were delisted
FNCB Bank also merged into Peoples Bank, which survived as the bank.
Sources
8-K, filed Jul 1, 2024
Effective July 1, 2024 (the “Closing Date”), FNCB Bancorp, Inc., a Pennsylvania corporation (“FNCB”), completed its previously announced…View ↗
Grew. Revenue grew 49% in 4 years, from $3M in FY2019 to $4.5M in FY2023, about 11% a year.
WOW mortgage terms
The WOW mortgage's stated term range starts later, while its upper end stays the same.
10-K for FY2020, filed Mar 12, 2021 10-K for FY2023, filed Mar 8, 2024FNCB offers a variety of 1-4 family residential loans, home equity term loans and home equity lines of credit ("HELOCs"). FNCB’s suite of…View ↗
FNCB offers a variety of 1- 4 family residential loans, home equity lines of credit ("HELOCs") and HELOCs with a carve-out feature. FNCB’s…View ↗
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