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First National Community Bank

Message from the CEO & President

These days we are all hearing in the media about the problems with “banks”, some failing, and others not making credit available. That reference to banks is generally Wall Street banks, meaning the very large banks of enormous size and operations.

We want to assure you that your money is safe with us, the First National Community Bank, with over $14,000,000.00 of Capital and Reserves. It’s great to be a solid, well capitalized community bank in a thriving area.

We continue to do “business as usual” as we have since our initial charter in 1919. We are making loans and extending credit in all aspects, including home loans, home equity lines of credit, car loans and small business loans.

With the Emergency Economic Stabilization Act, FDIC Insurance on your deposits has been raised from $100,000.00 to $250,000.00 through December 2009. There are also ways to get higher FDIC coverage through “Account Titling”. See a New Accounts representative at any of our offices to learn how this can work for you.

We also have the CDARS (Certificate of Deposit Account Registry Service) program. This service gives customers’ access to additional FDIC Insurance on Time Deposits.

We appreciate your business and want to say thank you for being our customer. We look forward to serving you, your family and your friends in the future.

John D. Soderberg, Chairman/CEO

Dennis O. Nybakken, President

FDIC Deposit Insurance Temporarily Increased

On October 3, 2008, FDIC deposit insurance temporarily
increased from $100,000 to $250,000 per depositor
through December 31, 2009.

For an overview of deposit insurance coverage reflecting the
temporary increase, click here.

**Fraudulent E-mails Claim to
Be From the FDIC**

Please be aware that e-mails fraudulently claiming to be from the FDIC are attempting to trick recepients into installing unknown software on personal computers. These e-mails contain the subject line: "Funds wired into your account are stolen" The e-mail was NOT sent by the FDIC

Recipients of the fraudulent e-mail should not reply
and should not attempt to open the attached file.

Click here for more information from the FDIC.

Community Banks: Safe, Secure and Solid

These are challenging times. Every day news reports spread misinformation and fear about our nation's economy. And in challenging times, consumers need to stick with the tried and true and the institutions that have served them well.

Community banks are strong, safe, secure and stable financial institutions focused on doing what is best for our customers and communities. A community bank customer's insured deposits are safe in a community bank. No one has ever lost a penny of deposits insured by the FDIC. If you are concerned about the safety of your money, talk to your local community banker to get the straight facts.

You can also read the frequently asked questions on the FDIC website by clicking here.

Brought to you by ICBA (Independent Community Bankers of America)

We now have FHA Mortgage Loans available!

An FHA loan can be just the loan you are looking for! Why not take advantage of the many benefits and protections that only come with FHA:

May Be Easier to Qualify - Because FHA insures your mortgage, you may qualify for loans because of lower qualifying requirements.

Less than Perfect Credit - Even if you have had credit problems, it can be easier for you to qualify for an FHA loan rather than a conventional loan.

Low Downpayment - We have a low 3% downpayment.

Costs Less - FHA loans have competitive interest rates because the loans are insured by the Federal Government. Always compare an FHA loan with other loan types.

Help You Keep Your Home - The FHA has been around since 1934 and will continue to be here to protect you. Should you encounter hard-times after buying your home, FHA has many options to help keep you in your home and avoid foreclosure.There is more to buying your home then the monthly house payment. Contact a Mortgage Loan Officer at any of our locations to discuss your options! Click here to meet our Mortgage Lenders.

Build, Purchase or Refinance your home

You found the perfect lot on which to build your dream home! You found the home that is just right for you and your family! Refinance to get a lower rate, consolidate bills, or cash out some of the equity in your home!

Whatever the reason, Keep It Local!
Every customer has a different situation. Working with a local lender means that your loan can be customized to meet your needs! Your loan officer will be happy to work with you, personally, one on one!

Reverse Mortgages Now Available

Reverse Mortgages are becoming more popular every year. Last year the volume of Reverse Mortgages increased over seventy percent. Learn More about Reverse Mortgages.