The Fayette County National Bank of Fayetteville: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 312.37 percentage points higher than in Q1 2026, at 2539.39%. Within West Virginia, The Fayette County National Bank of Fayetteville is 22nd of 41 on return on assets, 1.13% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The Fayette County National Bank of Fayetteville sits 0.12 points lower, at 1.13% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.05% |
| Equity capital to assets | 7.02% |
| Tangible equity to tangible assets | 7.02% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.04% |
| Non-performing assets ratio | 0.02% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.48% |
| Allowance for credit losses to loans | 1.14% |
| Reserve coverage of non-performing loans | 2539.39% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.13% |
| Return on equity | 16.38% |
| Net interest margin | 2.94% |
| Efficiency ratio | 59.07% |
| Yield on earning assets | 4.27% |
| Cost of funds | 1.43% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 54.55% |
| Core deposits to total deposits | 95.10% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.25% |
| Securities to assets | 49.96% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 21.85% | 21.85% | 23.10% | 9.63% | 0.51% |
| Q4 2023 | 22.00% | 22.00% | 23.25% | 9.58% | 0.73% |
| Q1 2024 | 21.16% | 21.16% | 22.41% | 9.71% | 0.59% |
| Q2 2024 | 22.45% | 22.45% | 23.70% | 9.68% | 0.68% |
| Q3 2024 | 21.62% | 21.62% | 22.87% | 9.86% | 0.45% |
| Q4 2024 | 22.63% | 22.63% | 23.88% | 9.75% | 0.41% |
| Q1 2025 | 20.48% | 20.48% | 21.73% | 9.54% | 0.02% |
| Q2 2025 | 21.22% | 21.22% | 22.47% | 9.37% | 0.76% |
| Q3 2025 | 21.11% | 21.11% | 22.34% | 9.47% | 0.83% |
| Q4 2025 | 21.28% | 21.28% | 22.53% | 9.23% | 0.57% |
| Q1 2026 | 21.17% | 21.17% | 22.39% | 9.09% | 0.54% |
| Q2 2026 | — | — | — | 9.05% | 1.13% |
The Fayette County National Bank of Fayetteville vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Fayette County National Bank of Fayetteville, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Fayette County National Bank of Fayetteville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6762) · FFIEC NIC profile (RSSD 488420)