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FNCB Bancorp

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uuid000lwxs

Namestring
FNCB Bancorp
Legal namestring
FNCB Bancorp, Inc.
Websiteurl
investors.fncb.com
Company typeenum
Private
Founded yearint
1910
Descriptiontext

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.

Short descriptiontext

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.

Operating statusenum
Acquired
Ownership categoryenum
akta.pro rankint
HeadquartersDrumore, United States
HQ citystring
Drumore
HQ countrystring
United States
HQ regionstring
North America
Markets served

Serves global market

Keyword5 values
community banking services, commercial banking solutions, small business banking, personal banking products, bank holding company
NAICS code3 codes
  • Commercial Banking52211
  • Commercial Banking522110
  • Depository Credit Intermediation5221
SIC code2 codes
  • State Commercial Banks6022
  • Commercial Banks, Nec6029
Product category
Community Banking
No data
Cost components3 values
Personnel, Operations, Infrastructure
GTM typeB2B and B2C
B2B and B2C
Offering typeServices
Services
Core offering1 text field

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.

Differentiator
Functional benefit
Problem solved
Product overview1 text field

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.

Product and service1 record
1Personal Banking Solutions
Scale indicator2 records

Each record includes

Type, Value, Description, Source

Partnership1 partner
1Peoples Financial Services Corp.
Strategic tierCoreTypeStrategic or Co-development PartnerAnnounced on2024-07-01
Description

FNCB 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.

Recent move1 record

Each record includes

Date, Type, Title, Description, Source

Expansion highlight1 record

Each record includes

Type, Description

Peers10 records
1NBT Bancorp
TypeDirect peer
Description

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.

2PNC Financial Services Group
TypeBroad incumbent
Description

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.

3Orrstown Financial Services
TypeDirect peer
Description

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.

4Peoples Financial Services Corp.
TypeDirect peer
Description

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.

5S&T Bancorp
TypeDirect peer
Description

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.

6Tompkins Financial Corporation
TypeDirect peer
Description

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.

7Citizens Financial Services
TypeDirect peer
Description

Pennsylvania community bank holding company operating in the northern tier of the state, with retail and commercial banking offerings similar to FNCB's mix.

8First Keystone Corporation
TypeDirect peer
Description

Northeastern Pennsylvania community bank holding company with personal and commercial banking offerings, very close in scale, charter and geographic profile to FNCB.

9ACNB Corporation
TypeDirect peer
Description

Pennsylvania-based community bank holding company providing retail and commercial banking services, similar in size and product scope to FNCB's pre-merger profile.

10WSFS Financial Corporation
TypeDirect peer
Description

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.

Market position
Strengths3 records

Each record includes

Headline, Details, Source

Weaknesses3 records

Each record includes

Headline, Details, Source

Competitive moat2 records

Each record includes

Type, Details

Key risks4 records

Each record includes

Headline, Details, Source

Key highlights4 records

Each record includes

Headline, Details, Source

Customer concentration

Classification, Details

Ideal customer profile2 records

Each record includes

Profile, Firmographic size, Sales motion, Sales cycle length, Buying structure, Purchase trigger, Buyer persona, Geography, Industry vertical, Primary use case, Description, Pain points, Evidence proof points, Target buyer

Technology focused
No
API detail
Has APIbool
No

Docs URL, Description

AI maturity
App detail

Has app

Core technology
Revenue estimate
Valuation estimate
Number of profiles
No data
No data
Funding overview

Funding stage, Last funding date, Total funding USD

Funding rounds

Each record includes

Round, Amount USD, Date, Pre money valuation, Total investors, Investors, News

Investors

Each record includes

Name, Type, Date of entry, Rounds participated, Website

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Each record includes

Name, Acquisition type, Announced date, Completed date, Status, Website, News

Investment

Each record includes

Name, Round, Announced date, Lead investor, Website, News

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

FNCB Bancorp

Community Bankinginvestors.fncb.com

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.

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

Location

Headquarters

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 offering

Core 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 profile

Ideal customer profiles2 records

FNCB Bancorp technology and API

Technology

Technology focussed No

API detail

Has API
No
API docs
API detail

Core technology

AI maturity

App detail

FNCB Bancorp partnerships and signals

Strategic signal

Partnerships

One partnership is on record.

  • Peoples Financial Services Corp.coreStrategic or Co-development Partner · 1 July 2024FNCB 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 assessment

Direct 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 estimate

Revenue estimate

Valuation estimate

FNCB Bancorp leadership team

Management profile

Number of profiles

FNCB Bancorp funding detail

Funding detail

Funding 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 investment

M&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.

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Live signals
PR NewswirePeoples Financial Services Corp. and FNCB Bancorp, Inc. Complete MergerPeoples Financial Services Corp. completed its merger with FNCB Bancorp, Inc., effective July 1, 2024, creating a combined community bank with approximately $5.6 billion in assets. The merged entity will operate under the Peoples banner across Pennsylvania, New York, and New Jersey, trading under the Nasdaq ticker PFIS. This consolidation aims to expand product offerings and drive long-term shareholder value through operational synergies.GlobeNewswireFNCB Bancorp, Inc. Announces First Quarter 2024 EarningsFNCB Bancorp reported Q1 2024 net income of $3.5 million, up 32.6% year-over-year, driven by a $1.6 million increase in net interest income. The company also declared a $0.09 per share dividend and expects its merger with Peoples Financial Services Corp. to close in the second half of 2024 pending regulatory approval.GlobeNewswireFNCB Bancorp, Inc. Declares Second Quarter 2024 DividendFNCB Bancorp declared a $0.09 per share dividend for Q2 2024, payable June 17 to shareholders of record June 3. Year-to-date dividends total $0.18 per share. The company also noted its merger with Peoples Financial Services Corp.PR NewswirePeoples Financial Services Corp. and FNCB Bancorp, Inc. Announce Receipt of Shareholder Approval for MergerPeoples Financial Services Corp. and FNCB Bancorp, Inc. announced that shareholders of both entities approved the proposed merger on March 22, 2024, with Peoples remaining as the surviving corporation. The transaction, initially agreed upon in September 2023, is now proceeding to the closing phase pending final regulatory approvals and customary conditions. This approval marks a significant procedural milestone toward combining the two Pennsylvania-based community banking groups.GlobeNewswireFNCB Bancorp, Inc. Announces Fourth Quarter and Year toFNCB Bancorp reported net income of $13.0 million for 2023, down 36.5% from $20.4 million in 2022, due to higher deposit costs and wholesale funding. The company also announced a merger with Peoples Financial Services Corp., expected to close in the first half of 2024.GlobeNewswireFNCB Bancorp, Inc. Declares First Quarter 2024 DividendFNCB Bancorp's board declared a $0.09 per share dividend for the first quarter of 2024, payable March 15, 2024 to shareholders of record as of March 1, 2024. The dividend is unchanged from the $0.09 per share declared for the first quarter of 2023.GlobeNewswireFNCB Bancorp, Inc. Declares Fourth Quarter 2023 DividendFNCB Bancorp declared a $0.090 per share dividend for Q4 2023, payable Dec. 15 to shareholders of record Dec. 1. Year-to-date dividends rose 9.1% to $0.36 per share, up from $0.33 in 2022.PR NewswireSHAREHOLDER INVESTIGATION: Halper Sadeh LLC Investigates AMTI, ICPT, FNCBHalper Sadeh LLC, an investor rights law firm, announced investigations into three separate proposed merger transactions for potential violations of federal securities laws and breaches of fiduciary duties to shareholders. The three transactions under scrutiny are: Applied Molecular Transport Inc.'s proposed sale to Cyclo Therapeutics Inc., Intercept Pharmaceuticals Inc.'s proposed sale to Alfasigma S.p.A. for $19.00 per share in cash, and FNCB Bancorp Inc.'s proposed sale to Peoples Financial Services Corp. The law firm stated it may seek increased consideration, additional disclosures, or other relief on behalf of shareholders.PR NewswireShareholder Alert: Ademi LLP investigates whether FNCB Bancorp, Inc. has obtained a Fair Price in its transaction with Peoples Financial Services Corp.Ademi LLP is investigating FNCB Bancorp, Inc. regarding its merger transaction with Peoples Financial Services Corp., alleging potential breaches of fiduciary duty by the board of directors. The investigation focuses on the exchange ratio of 0.1460 shares of Peoples stock for each FNCB share and restrictive provisions in the agreement that limit competing bids. Shareholders are being notified of the inquiry into whether the transaction provides fair value given insider benefits.AbfjournalPeoples Financial Services and FNCB Bancorp Enter into Transformational Strategic MergerPeoples Financial Services and FNCB Bancorp have agreed to a strategic all-stock merger valued at approximately $129 million, which will result in FNCB shareholders receiving shares of Peoples common stock. The merger aims to create a bank holding company with nearly $5.5 billion in assets and a combined market capitalization of around $444 million, with expected financial benefits including significant earnings per share accretion.