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Fnb Bank, Inc.
Romney, WV · FDIC Certificate #6794 · Chartered 06/1
Total assets
$277.90M
Total deposits
$247.76M
Total equity
$26.00M
Net loans
$208.12M
Branches (offices)
7
Net income (YTD)
$1.36M
Rank: #2,576 of 4,213 U.S. banks by assets · #23 of 41 in West Virginia. Assets changed 4.6% and deposits 7.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.99% |
| Return on equity | 10.79% |
| Net interest margin (YTD) | 4.08% |
| Equity to assets | 9.35% |
| Tier 1 leverage ratio | 10.60% |
| Uninsured deposits (share of deposits) | 21.5% |
| Noncurrent loans (share of loans) | 0.45% |
| Net charge-offs (share of loans) | 0.23% |
| Loans to deposits | 84.0% |
| Real estate loans (share of loans) | 86.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $179.75M | 86.4% | |
| Commercial & industrial | $8.12M | 3.9% | |
| Consumer / individual | $19.95M | 9.6% | |
| Construction & development | $5.04M | 2.4% | |
| Agricultural | $1.72M | 0.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $252.35M | $210.29M | $1.33M | $19.87M |
| Jun 2023 | $262.74M | $222.12M | $945.00K | $20.81M |
| Jun 2024 | $261.55M | $222.95M | $771.00K | $21.96M |
| Jun 2025 | $265.70M | $230.50M | $936.00K | $23.48M |
| Jun 2026 | $277.90M | $247.76M | $1.36M | $26.00M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| West Virginia | $239.84M | 6 |
| Virginia | $7.92M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $247.76M.
Similar-sized banks
Bank Of The Federated States Of Micronesia ($278.42M) · Incommons Bank, N.A. ($277.62M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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