FNC is the holding company for The Citizens 1st National Bank of Storm Lake & Early, Iowa. In 1902, Fred and George Schaller started the Citizens Bank as a private banking business with deposits of $70,000. Since that time, the bank has remained locally owned and managed by the Schaller family through the currency crisis of 1907, the depression of the 1930s and the agricultural crisis of the 1980s. The bank offers personal and business checking accounts and savings accounts. It also offers consumer and mortgage loans and trust services. FNC is located in Storm Lake, Iowa.
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