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The Bank Of Romney
Romney, WV · FDIC Certificate #845 · Chartered 01/0
Total assets
$368.81M
Total deposits
$283.49M
Total equity
$60.21M
Net loans
$266.93M
Branches (offices)
7
Net income (YTD)
$2.52M
Rank: #2,176 of 4,213 U.S. banks by assets · #17 of 41 in West Virginia. Assets changed 5.4% and deposits 8.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.37% |
| Return on equity | 8.53% |
| Net interest margin (YTD) | 4.63% |
| Equity to assets | 16.33% |
| Tier 1 leverage ratio | 15.97% |
| Uninsured deposits (share of deposits) | 12.5% |
| Noncurrent loans (share of loans) | 1.73% |
| Net charge-offs (share of loans) | 0.23% |
| Loans to deposits | 94.2% |
| Real estate loans (share of loans) | 90.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $240.43M | 90.1% | |
| Commercial & industrial | $10.30M | 3.9% | |
| Consumer / individual | $16.39M | 6.1% | |
| Construction & development | $52.92M | 19.8% | |
| Agricultural | $89.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $363.32M | $262.81M | $2.48M | $40.40M |
| Jun 2023 | $354.93M | $260.91M | $1.92M | $44.24M |
| Jun 2024 | $362.28M | $275.19M | $2.45M | $49.00M |
| Jun 2025 | $350.08M | $261.06M | $2.46M | $55.53M |
| Jun 2026 | $368.81M | $283.49M | $2.52M | $60.21M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| West Virginia | $283.49M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $283.49M.
Similar-sized banks
West Pointe Bank ($368.82M) · First National Bank Of Griffin ($368.28M)
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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