FNB BANK, INC.

ROMNEY, WV | Small | Est. June 10, 1910, midnight | FDIC #6794 | RSSD #969639 | FDIC
Latest Report: 2025-12-31

FNB BANK, INC. is asn small FDIC-insured commercial bank headquartered in ROMNEY, WV, established in June 10, 1910, midnight. As of 2025-12-31, the bank reported total assets of $274M and total deposits of $242M. Profitability stands at 1.13% ROA and 12.48% ROE, with a net interest margin of 4.28%. The bank's CET1 capital ratio is 9.06%. Asset quality metrics show a non-performing loan ratio of 0.43% and a Texas Ratio of 3.45%. FDIC Certificate #6794.

Assets

$274M

Deposits

$242M

Loans

$208M

Equity

$25M

Profitability

Return on Assets (ROA) 1.13%
Return on Equity (ROE) 12.48%
Net Interest Margin (NIM) 4.28%
Yield on Assets 6.02%
Cost of Funds 1.78%

Asset Quality

NPL Ratio 0.43%
Net Charge-Off Ratio 0.16%
Texas Ratio 3.45%
NPA Ratio 0.34%
ACL / Loans 1.04%

Capital & Liquidity

CET1 Ratio 9.06%
Tier 1 Capital 9.06%
Total Capital Ratio 9.51%
Leverage Ratio 10.24%
Loan-to-Deposit 85.91%

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