Bank · FDIC insured
FNC Bank
A $345.3M bank headquartered in New Richmond, WI, with 4 branches in Wisconsin. Best rates: CDs 4.11% and savings 0.21% APY.
FNC Bank Carrot Score
72
Carrot Score
Higher than 32% of U.S. banks and credit unions
#62 of 97 in Minneapolis, MN-WI metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About FNC Bank
- Headquarters
- 109 E 2nd St, New Richmond, WI 54017
- FDIC certificate
- 5357 ↗
Branches
4 branches in Wisconsin
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Wisconsin
4 branches
Minneapolis area · 3
- First National Community BankMain office109 E 2nd St, New Richmond, WI 54017Directions
- Hudson Branch744 Ryan Dr, Hudson, WI 54016Directions
- Somerset Branch531 Main St, Somerset, WI 54025Directions
Dresser area · 1
- Dresser Branch111 State Road 35 N, Dresser, WI 54009Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.38% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.16% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.35% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $76 | $81 | — |
- CapitalLeverage ratio9.38%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.16%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.35%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$76Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of FNC Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.