The Fayette County National Bank of Fayetteville
The Fayette County National Bank of Fayetteville is an FDIC-insured commercial bank headquartered in Fayetteville, WV, supervised by the OCC, with $158.1M in total assets at Q2 2026, up 5.7% from Q2 2025, the 32nd largest of 40 banks headquartered in West Virginia. It was established in 1900 and holds FDIC certificate 6762. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.05% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
Also written as FCNB of Fayetteville
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 6762
- Headquarters
- Fayetteville, WV
- Established
- 1900
- Total assets, Q2 2026
- $158.1M
- Assets vs Q2 2025
- +5.7%
- Tier 1 leverage ratio, Q2 2026
- 9.05%
- Domestic offices
- 2 · The Fayette County National Bank of Fayetteville branches FDIC institution directory, current count
- Routing number
- 051502201
- Safety and soundness
- Is The Fayette County National Bank of Fayetteville safe?
- Latest call report
- Q2 2026, FFIEC 051 · The Fayette County National Bank of Fayetteville Q3 2026 call report, filed October 26, 2026 (preliminary)
- Holding company
- FCNB BANCORP, INC.
- Asset rank in state
- 32nd of 40 in West Virginia
The Fayette County National Bank of Fayetteville, based in Fayetteville, West Virginia, reported $158 million in assets at June 30, 2026, up 5.7% from a year earlier. It keeps 2.94 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 3.96 cents). It also funds 9.05% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
Earnings jumped: net income for the quarter was $455,000, 59% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $4.6 million equal 31% of Tier 1 capital, down from 39% a year earlier.
As of June 30, 2026, The Fayette County National Bank of Fayetteville reported a return on assets of 1.13%, a nonperforming-loan ratio of 0.08% and a Texas ratio of 0.48%. The figures come from its call report filed with the FFIEC.
The Fayette County National Bank of Fayetteville ranks as the 32nd largest of the 40 banks based in West Virginia, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.6% to $158.1M, loans rose 1.6% and deposits fell 1.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 71.8% of total loans, followed by non-owner-occupied commercial real estate loans at 9.6%. The FDIC Summary of Deposits lists 2 offices for it, in Fayetteville, WV and Oak Hill, WV; its Fayetteville office books 85% of its branch deposits. On its Q2 2026 call report, The Fayette County National Bank of Fayetteville meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 101 N Court St, Fayetteville, WV 25840
- County
- Fayette
- Metro Area
- Beckley, WV
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 1, 1900
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 22
- Domestic deposits
- $134.8M
- Allowance for credit losses
- $838K
- Net charge-offs (YTD)
- $6K
- Average total assets
- $161.0M
- Average total loans
- $73.7M
- Average interest-bearing deposits
- $107.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6762
- Fed RSSD
- 488420
- Website
- www.fcnbonline.bank →
- Parent Holding Company
- FCNB BANCORP, INC. (RSSD 2355759)
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. After a merger that grows assets 25% or more, the UBPR averages balances from the merger date on while the income stays year to date, so a YTD ratio can differ widely from the ratio of either quarter. 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 Fayette County National Bank of Fayetteville reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
The Fayette County National Bank of Fayetteville's total assets moved between a low of $142.6M (Q4 2024) and a high of $158.1M (Q2 2026) from Q3 2023 to Q2 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
$158.1M total assets against $149.5M; $147.0M total liabilities against $139.7M.
$72.7M net loans and leases against $70.9M; $134.8M total deposits against $135.6M.
$79.0M securities against $73.1M; $1.4M cash and balances due against $1.6M.
$1.7M total interest income against $1.5M; $535K total interest expense against $488K.
$1.2M net interest income against $1.0M.
$137K total noninterest income against $132K; $784K total noninterest expense against $817K.
$14K provision for credit losses against $3K.
$455K net income against $287K.
1.13% return on assets against 0.76%; 2.94% net interest margin against 2.68%.
9.05% tier 1 leverage ratio against 9.37%.
Inside the full The Fayette County National Bank of Fayetteville terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Fayette County National Bank of Fayetteville rankings
Its closest position to the top of a national ranking is 1,714 of 3,606, for efficiency ratio; its furthest is 2,970 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.02% (Q1 2025) to 1.13% (Q2 2026) and its net interest margin ran from 2.29% (Q4 2024) to 2.94% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.05% | 1.13% | 0.08% | 0.48% | 2.94% |
| Q1 2026 | 9.09% | 0.54% | 0.13% | 0.78% | 2.79% |
| Q4 2025 | 9.23% | 0.57% | 1.00% | 6.04% | 2.81% |
| Q3 2025 | 9.47% | 0.83% | 0.28% | 1.74% | 2.81% |
| Q2 2025 | 9.37% | 0.76% | 0.25% | 1.70% | 2.68% |
| Q1 2025 | 9.54% | 0.02% | 0.26% | 1.86% | 2.45% |
| Q4 2024 | 9.75% | 0.41% | 0.11% | 0.84% | 2.29% |
| Q3 2024 | 9.86% | 0.45% | 0.41% | 2.85% | 2.56% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 Fayette County National Bank of Fayetteville | Fayetteville , WV | 25840 | $115.2M |
| Oak Hill Branch | Oak Hill , WV | 25901 | $19.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in WV, rank 47 of 65 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 93 applications, 66 loans originated, $7.1M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $390K approved, $390K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2000 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Fayette County National Bank of Fayetteville
What are The Fayette County National Bank of Fayetteville's total assets?
As of the Q2 2026 filing, The Fayette County National Bank of Fayetteville reported total assets of $158.1 million in its FFIEC call report.
Where is The Fayette County National Bank of Fayetteville headquartered?
It is headquartered in Fayetteville, WV, United States.
When was The Fayette County National Bank of Fayetteville founded?
It was established in 1900, per the FDIC institution directory.
Is The Fayette County National Bank of Fayetteville FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #6762). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Fayette County National Bank of Fayetteville?
The Fayette County National Bank of Fayetteville's primary federal regulator is the OCC.
How many branches does The Fayette County National Bank of Fayetteville operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Fayette County National Bank of Fayetteville's Texas Ratio?
Its Texas Ratio is 0.48% 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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