FNCB Bancorp
FNCB Bancorp was a Pennsylvania community bank holding company founded in 1910, providing personal, small business, and commercial banking solutions. It merged with Peoples Financial Services Corp. on July 1, 2024, and no longer operates independently.
- Company typePrivate
- Founded1910
- HeadquartersDrumore, United States
- Headcount—
- GTM typeB2B and B2C
- OfferingServices
What FNCB Bancorp does
FNCB Bancorp, Inc. was a community bank holding company founded in 1910 and headquartered in Drumore, Pennsylvania. The company provided personal, small business, and commercial banking solutions, serving retail customers, small businesses, and commercial borrowers in its local Pennsylvania market through deposit-taking, lending, and traditional community-banking products.
On July 1, 2024, FNCB Bancorp completed a strategic merger with Peoples Financial Services Corp. (NASDAQ: PSBT), under which FNCB Bancorp ceased to operate as an independent entity. The combined organization operates under Peoples Financial Services Corp. Following the merger, the combined entity reported full-year 2025 net income of $59.2 million, substantially up from $8.5 million reported by PSBT standalone in 2024, with Q4 2025 net income of $12.0 million ($1.19 per diluted share) versus $6.1 million in Q4 2024, driven by combined operations and a reduction in provision for credit losses.
Post-merger, FNCB Bancorp, Inc. no longer exists as a standalone reporting entity; its franchise, branches, deposits, and loan portfolio are now operated within the Peoples Financial Services Corp. consolidated organization, headquartered at the PSBT parent level. The prior standalone product architecture, pricing structure, and customer-specific service offerings for FNCB are not separately disclosed in the provided source material.
FNCB Bancorp firmographics
Firmographics- Name
- FNCB Bancorp
- Legal name
- FNCB Bancorp, Inc.
- Website
- https://investors.fncb.com
- Company type
- Private
- Founded year
- 1910
- Operating status
- Acquired
- Short description
- FNCB Bancorp was a Pennsylvania community bank holding company founded in 1910, providing personal, small business, and commercial banking solutions. It merged with Peoples Financial Services Corp. on July 1, 2024, and no longer operates independently.
- Ownership category
- akta.pro rank
Where FNCB Bancorp is headquartered
LocationHeadquarters
- HQ city
- Drumore
- HQ country
- United States
- HQ region
- North America
Markets served
FNCB Bancorp business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure
FNCB Bancorp product offering
Product offeringCore offering
FNCB Bancorp, Inc. was a bank holding company that provided personal, small business, and commercial banking solutions through its subsidiary bank. The company was founded in 1910 and operated from Drumore, United States, until it was acquired through a merger with Peoples Financial Services Corp. completed on July 1, 2024. Following the merger, FNCB Bancorp ceased to operate as an independent entity.
Product overview
FNCB Bancorp was a banking institution that merged with Peoples Financial Services Corp. on July 1, 2024. Following the merger, the combined entity operates under Peoples Financial Services Corp. The source data does not contain specific product details, service offerings, or product architecture information for FNCB Bancorp's pre-merger or post-merger banking products.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Banking Solutions
Companies that use FNCB Bancorp
Customer profileIdeal customer profiles2 records
FNCB Bancorp technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
FNCB Bancorp partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Peoples Financial Services Corp.coreFNCB Bancorp, Inc. completed a merger with Peoples Financial Services Corp. on July 1, 2024. This was a strategic merger combining operations of both banking institutions. The merger enabled Peoples Financial Services Corp. to report significantly improved full-year 2025 results with $59.2 million net income compared to $8.5 million in 2024, driven by combined operations and reduced provision for credit losses.
Scale indicators2 records
Recent moves1 record
Expansion highlights1 record
FNCB Bancorp competitors and assessment
Company assessmentDirect peers
- NBT Bancorp: Pennsylvania-headquartered community bank holding company offering personal, small business and commercial banking across the Northeast, closely comparable to FNCB in charter type, geography, and product mix.
- Orrstown Financial Services: South-central Pennsylvania community bank holding company competing for similar deposit, consumer, and small business relationships in PA markets adjacent to FNCB's Drumore footprint.
- Peoples Financial Services Corp. Acquirer of FNCB Bancorp via the July 1, 2024 merger; a northeastern Pennsylvania-based bank holding company operating community-banking branches with overlapping personal, small business and commercial banking offerings, making it the closest functional and geographic peer.
- S&T Bancorp: Pennsylvania-headquartered community bank holding company offering personal, small business, and commercial banking across western and central PA, comparable to FNCB in franchise orientation and customer mix.
- Tompkins Financial Corporation: Northeast and Mid-Atlantic community-focused bank holding company providing retail and commercial banking, competing for similar deposit and small business relationships in markets overlapping FNCB's Pennsylvania footprint.
- Citizens Financial Services: Pennsylvania community bank holding company operating in the northern tier of the state, with retail and commercial banking offerings similar to FNCB's mix.
- First Keystone Corporation: Northeastern Pennsylvania community bank holding company with personal and commercial banking offerings, very close in scale, charter and geographic profile to FNCB.
- ACNB Corporation: Pennsylvania-based community bank holding company providing retail and commercial banking services, similar in size and product scope to FNCB's pre-merger profile.
- WSFS Financial Corporation: Mid-Atlantic regional bank holding company focused on retail and commercial banking with a similar community-bank DNA to FNCB, operating across Pennsylvania, Delaware and the broader Greater Philadelphia region.
Broad incumbents
- PNC Financial Services Group: Large super-regional banking franchise headquartered in Pittsburgh, PA that competes with FNCB for retail deposits, small business and middle-market commercial banking relationships across Pennsylvania, but at a vastly broader scale and product set.
Market position
Strengths3 records
Weaknesses3 records
Competitive moat2 records
Key risks4 records
Key highlights4 records
Customer concentration
FNCB Bancorp financial estimates
Financial estimateRevenue estimate
Valuation estimate
FNCB Bancorp leadership team
Management profileNumber of profiles
FNCB Bancorp funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
FNCB Bancorp M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about FNCB Bancorp
What does FNCB Bancorp do?
FNCB Bancorp, Inc. was a bank holding company that provided personal, small business, and commercial banking solutions through its subsidiary bank. The company was founded in 1910 and operated from Drumore, United States, until it was acquired through a merger with Peoples Financial Services Corp. completed on July 1, 2024. Following the merger, FNCB Bancorp ceased to operate as an independent entity.
Is FNCB Bancorp a public or private company?
FNCB Bancorp is a private company. It is classified as corporate owned and is currently acquired.
When was FNCB Bancorp founded?
FNCB Bancorp was founded in 1910.
Where is FNCB Bancorp based?
FNCB Bancorp is headquartered in Drumore, United States, in the North America region.
Who are FNCB Bancorp's main competitors?
Direct peers on record are NBT Bancorp, Orrstown Financial Services, Peoples Financial Services Corp., S&T Bancorp, Tompkins Financial Corporation, Citizens Financial Services, First Keystone Corporation, ACNB Corporation and WSFS Financial Corporation. PNC Financial Services Group is listed as a broad incumbent.
Does FNCB Bancorp have an API?
No public API is recorded for FNCB Bancorp.