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Table of Contents ☑ ㅁ UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON , D.C. 20549 FORM 10 - K ANNUAL REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31 , 2020 OR TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from Pennsylvania ( State or Other Jurisdiction to Commission File No. 001-38408 FNCB BANCORP , INC . ( Exact Name of Registrant as Specified in Its Charter ) of Incorporation or Organization ) 102 E. Drinker St. , Dunmore , PA ( Address of Principal Executive Offices ) 23-2900790 ( I.R.S. Employer Identification No. ) Registrant's telephone number , including area code ( 570 ) 346-7667 18512 ( Zip Code ) Securities registered pursuant to Section 12 ( b ) of the Act : Title of Each Class Common Stock $ 1.25 Par Value Trading Symbol ( s ) FNCB Name of Each Exchange on Which Registered Nasdaq Capital Market Securities registered pursuant to Section 12 ( g ) of the Act : NONE Indicate by check mark if the registrant is a well - known seasoned issuer , as defined in Rule 405 of the Securities Act . Yes □ No Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or section 15 ( d ) of the Act . Yes No Indicate by check mark whether the registrant : ( 1 ) has filed all reports required to be filed by Section 13 or 15 ( d ) of the Securities Exchange Act of 1934 during the preceding 12 months ( or for such shorter period that the registrant was required to file such reports ) , and ( 2 ) has been subject to such filing requirements for the past 90 days . Yes No □ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S - T ( § 232.405 of this chapter ) during the preceding 12 months ( or for such shorter period that the registrant was required to submit such files ) . Yes > No □ Indicate by check mark whether the registrant is a large accelerated filer , an accelerated filer , a non - accelerated filer , a smaller reporting company , or emerging growth company . See the definitions of “ large accelerated filer , " " accelerated filer , ” “ smaller reporting company , ” and “ emerging growth company ” in Rule 12b - 2 of the Exchange Act . Large Accelerated Filer Non - Accelerated Filer > Accelerated Filer Smaller reporting company Emerging growth company ☐ If an emerging growth company , indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13 ( a ) of the Exchange Act . Indicate by check mark whether the registrant has filed a report on and attestation to its management's assessment of the effectiveness of its interest control over financial reporting under Section 404 ( b ) of the Sarbanes - Oxley Act ( 15 U.S.C. 7262 ( b ) ) by the registered public accounting firm that prepared or issued its audit report . Indicate by check mark whether the registrant is a shell company ( as defined in Rule 12b - 2 of the Exchange Act ) . Yes No ☑ The aggregate market value of the voting and non - voting common stock of the registrant , held by non - affiliates was $ 97,621,290 at June 30 , 2020 . State the number of shares outstanding of each of the registrant's classes of common stock , as of the latest practicable date : 20,238,120 shares of common stock as of March 12 , 2021 . DOCUMENTS INCORPORATED BY REFERENCE Certain information required by Items 10 , 11 , 12 , 13 and 14 is incorporated by reference into Part III hereof from portions of the Proxy Statement for the registrant's 2021 Annual Meeting of Shareholders .