The Bank of Romney
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Data as of · sourced from FFIEC call reports. How we update
The Bank of Romney is an FDIC-insured commercial bank headquartered in Romney, WV, established in 1888 (FDIC certificate 845), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $368.8M, up 5.4% from Q2 2025, the 17th largest of 40 banks headquartered in West Virginia. It reports no CET1 ratio; its Tier 1 leverage ratio was 15.97% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 845
- Headquarters
- Romney, WV
- Established
- 1888
- Total assets, Q2 2026
- $368.8M
- Assets vs Q2 2025
- +5.4%
- Tier 1 leverage ratio, Q2 2026
- 15.97%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 052201925
- Latest call report
- Q2 2026, FFIEC 051 · The Bank of Romney call report
- Holding company
- ROMNEY BANKSHARES, INC.
- Asset rank in state
- 17th of 40 in West Virginia
Problem loans are rising at The Bank of Romney. Based in Romney, West Virginia, it had $369 million in assets at June 30, 2026, up 5.4% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.73% of loans from 1.36% a year earlier. It funds 15.97% of its assets with Tier 1 capital, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also keeps 4.65 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.95 cents).
Net income for the quarter rose 11% from a year earlier, to $1.4 million. Over the same year, loans grew 5.2% and deposits grew 8.6%. Credit is the area to watch: it carries problem assets equal to 7.4% of the capital and reserves that would absorb them, about triple the median of 2.6% for banks its size.
As of June 30, 2026, The Bank of Romney reported a return on assets of 1.50%, a nonperforming-loan ratio of 1.73% and a Texas ratio of 7.41%. The figures come from its call report filed with the FFIEC.
Of the 40 banks headquartered in West Virginia, The Bank of Romney is the 17th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.5% to $368.8M, loans rose 0.9% and deposits rose 0.2%. 1-4 family residential loans made up 57.2% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 19.6%. Its 7 offices in the FDIC Summary of Deposits are in 6 cities in WV; its Romney 2 offices book 60% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Bank of Romney meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 95 E Main St, Romney, WV 26757
- County
- Hampshire
- Metro Area
- Winchester, VA-WV
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1888
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 69
- Domestic deposits
- $283.5M
- Allowance for credit losses
- $2.5M
- Net charge-offs (YTD)
- $313K
- Average total assets
- $376.7M
- Average total loans
- $270.0M
- Average interest-bearing deposits
- $206.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 845
- Fed RSSD
- 722432
- Website
- http://www.bankofromney.net →
- Parent Holding Company
- ROMNEY BANKSHARES, INC. (RSSD 1417324)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The Bank of Romney reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The Bank of Romney's total assets ranged from $350.1M (Q2 2025) to $370.5M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$368.8M total assets against $350.1M; $308.6M total liabilities against $294.6M.
$266.9M net loans and leases against $253.6M; $283.5M total deposits against $261.1M.
$62.0M securities against $58.1M; $7.4M cash and balances due against $7.5M.
$5.4M total interest income against $5.5M; $1.4M total interest expense against $1.4M.
$4.0M net interest income against $4.1M.
$475K total noninterest income against $452K; $2.4M total noninterest expense against $2.5M.
$255K provision for credit losses against $382K.
$1.4M net income against $1.3M.
1.50% return on assets against 1.42%; 4.65% net interest margin against 4.94%.
15.97% tier 1 leverage ratio against 15.85%.
Inside the full The Bank of Romney terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Bank of Romney rankings
Its closest position to the top of a national ranking is 907 of 3,640, for Texas Ratio; its furthest is 2,167 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.02% (Q3 2025) to 1.50% (Q2 2026) and its net interest margin ran from 4.12% (Q3 2025) to 4.94% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.97% | 1.50% | 1.73% | 7.41% | 4.65% |
| Q1 2026 | 15.91% | 1.19% | 1.90% | 8.24% | 4.26% |
| Q4 2025 | 15.80% | 1.33% | 2.06% | 10.48% | 4.38% |
| Q3 2025 | 16.04% | 1.02% | 1.78% | 9.31% | 4.12% |
| Q2 2025 | 15.85% | 1.42% | 1.36% | 9.60% | 4.94% |
| Q1 2025 | 15.55% | 1.31% | 2.17% | 13.65% | 4.37% |
| Q4 2024 | 15.32% | 1.03% | 3.39% | 16.18% | 4.28% |
| Q3 2024 | 15.11% | 1.34% | 2.89% | 14.11% | 4.31% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Bank of Romney | Romney , WV | 26757 | $143.9M |
| Augusta Branch | Augusta , WV | 26704 | $46.8M |
| Capon Bridge Branch | Capon Bridge , WV | 26711 | $45.6M |
| Sunrise Branch | Romney , WV | 26757 | $25.0M |
| Paw Paw Branch | Paw Paw , WV | 25434 | $15.2M |
| Springfield Branch | Springfield , WV | 26763 | $6.5M |
| Slanesville Branch | Slanesville , WV | 25444 | $605K |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve); 1 against individuals associated with it
- September 25, 2008, Federal Reserve: Civil Money Penalty $2,750: Bank of Romney, Romney, WV
- Period: Most recent institution action September 25, 2008. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.6% of deposits in WV, rank 30 of 65 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 133 applications, 120 loans originated, $20.7M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $270K approved, $270K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Bank of Romney
What are The Bank of Romney's total assets?
As of the Q2 2026 filing, The Bank of Romney reported total assets of $368.8 million in its FFIEC call report.
Where is The Bank of Romney headquartered?
It is headquartered in Romney, WV, United States.
When was The Bank of Romney founded?
It was established in 1888, per the FDIC institution directory.
Is The Bank of Romney FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #845). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Bank of Romney?
The Bank of Romney's primary federal regulator is the Federal Reserve.
How many branches does The Bank of Romney operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Bank of Romney's Texas Ratio?
Its Texas Ratio is 7.41% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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