FICOBank at a Glance

(As of End 2017)

Bank Name/Acronym First Isabela Cooperative Bank (FICOBank)
First Isabela Cooperative Bank (FICOBank) FICOBank Corporate Center, Maharlika Hwy.
Minante I, Cauayan City, Isabela
Brief History Date of Organization/Incorporation
Date of Registration

Date of Issuance of Authority to Operate
Date of Formal Opening
September 10, 1976
February 14, 1979 (SEC)
April 10, 1979 (BCOD)
December 21, 1979 (BSP)
January 2, 1980
Development Phases Birth Years (1976-1979)
Early Years (1980-1989)
Growth Years (1990-2005)
Expansion Years (2006-2015)
Transformation Years (2016 and Beyond)
Organization and Registration Phase
Start-up and Promotion Phase
Build-up and Strengthening Phase
Development and Expansion Phase
Remodeling and Conglomerate Phase
Membership Regular Members
Special Members
103 Cooperatives

Bank Network No. of Operating Units 34
Financial Data Total Resources
Total Liabilities
Capital Accounts
Earning Assets
Loan Portfolio
Liquid Assets
Php4.11 Billion
Php3.29 Billion
Php817.28 Million
Php3.77 Billion
Php3.04 Billion
Php850.7 Million
Financial Ratios Earning Assets
Liquidity Ratio
Capital Adequacy Ratio
Past Due Ratio
Net Interest Margin
Return on Assets
Return on Equity
Products and Services Deposit Products

Loan Products

Other Services

Savings Deposits, Time Deposit,
Demand Deposits and Special
Savings Deposits

Agricultural Loans, Commercial
Loans, Consumer Loans,Micro
Loan and Other Loans

Inter-Branch Deposit
Online Money Transfer, SSS
Payment Collection, Western
Union Money Transfer
GCash Remit, BDO Remit
MoneyGram, M-Money
Card and CashKO Bayad Express




Inter-Branch Deposit Online Money Transfer SSS Payment Collection Western Union Money Transfer GCash Money Transfer BDO Remit MoneyGram
Loan Products Deposit Products
Corporate Profile Corporate Identity Visual Identity Milestones Corporate DNA Strategic Pursuit Plan Framework Market Footprints