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DUNMORE — BauerFinancial, the nation’s leading independent bank and credit union rating and research firm, has rated its wholly-owned subsidiary, FNCB Bank, a 5-star (“superior”) institution on a scale of 0 to 5. The 5-star rating places FNCB Bank on Bauer’s list of recommended financial institutions.

BauerFinancial uses a number of variables to determine star ratings including capital ratio, profitability/loss trend, level of delinquent loans, charge offs, repossessed assets, market versus book value of the investment portfolio, regulatory supervisory agreements, community reinvestment rating (CRA), historical data and liquidity.

BauerFinancial, Inc., Coral Gables, Florida, has been reporting on and analyzing the performance of U.S. banks and credit unions since 1983. No institution can pay for or opt out of a BauerFinancial rating. Consumers may obtain free star-ratings by visiting www.bauerfinancial.com.