The First National Bank of Peterstown
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Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Peterstown is an FDIC-insured commercial bank headquartered in Peterstown, WV, established in 1910 (FDIC certificate 6787), and it is supervised by the OCC. At Q2 2026 it reported total assets of $84.9M, down 1.8% from Q2 2025, the 37th largest of 40 banks headquartered in West Virginia. Its CET1 capital ratio was 29.70% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 6787
- Headquarters
- Peterstown, WV
- Established
- 1910
- Total assets, Q2 2026
- $84.9M
- Assets vs Q2 2025
- -1.8%
- CET1 ratio, Q2 2026
- 29.70%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 051503051
- Latest call report
- Q2 2026, FFIEC 051 · The First National Bank of Peterstown Q3 2026 call report, filed October 23, 2026 (preliminary)
- Holding company
- PETERSTOWN BANCORP, INC.
- Asset rank in state
- 37th of 40 in West Virginia
Problem loans are rising at The First National Bank of Peterstown. Based in Peterstown, West Virginia, it had $85 million in assets at June 30, 2026, down 1.8% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.47% of loans from 0.55% a year earlier. It pays an average of 0.55% on its deposits and borrowings, about a third the median of 1.53% for the 583 banks with less than $100 million in assets. It also lost 3.2% of its deposits over the year, lower than about three-quarters of banks its size (median 2.5%).
Net income for the quarter slipped 13% from a year earlier, to $239,000.
As of June 30, 2026, The First National Bank of Peterstown reported a CET1 capital ratio of 29.70%, a return on assets of 1.09%, a nonperforming-loan ratio of 1.47% and a Texas ratio of 4.67%. The figures come from its call report filed with the FFIEC.
The First National Bank of Peterstown ranks as the 37th largest of the 40 banks based in West Virginia, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.5% to $84.9M, loans fell 2.2% and deposits fell 2.1%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 61.8% of total loans, ahead of owner-occupied commercial real estate loans at 6.8%. Its 2 offices in the FDIC Summary of Deposits are in Peterstown, WV and Narrows, VA; its Peterstown office books 88% of its branch deposits. Judged on its Q2 2026 call report, The First National Bank of Peterstown meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 380 Market Street, Peterstown, WV 24963
- County
- Monroe
- 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
- January 27, 1910
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 13
- Domestic deposits
- $73.8M
- Allowance for credit losses
- $555K
- Net charge-offs (YTD)
- $5K
- Average total assets
- $88.0M
- Average total loans
- $36.8M
- Average interest-bearing deposits
- $40.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6787
- Fed RSSD
- 719030
- Website
- www.fnbp.com →
- Parent Holding Company
- PETERSTOWN BANCORP, INC. (RSSD 2942805)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
The First National Bank of Peterstown's total assets moved between a low of $81.3M (Q3 2023) and a high of $86.4M (Q1 2025) 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
$84.9M total assets against $86.4M; $73.9M total liabilities against $76.4M.
$36.0M net loans and leases against $37.3M; $73.8M total deposits against $76.2M.
$29.2M securities against $28.0M; $14.0M cash and balances due against $15.3M.
$826K total interest income against $802K; $103K total interest expense against $124K.
$723K net interest income against $678K.
$186K total noninterest income against $189K; $626K total noninterest expense against $542K.
$0 provision for credit losses against $6K.
$239K net income against $275K.
1.09% return on assets against 1.25%; 3.93% net interest margin against 3.65%.
29.70% CET1 capital ratio against 27.57%; 13.90% tier 1 leverage ratio against 13.06%.
Inside the full The First National Bank of Peterstown terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.42% (Q4 2024) to 1.30% (Q1 2026) and its net interest margin ran from 3.44% (Q1 2025) to 3.93% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 29.70% | 1.09% | 1.47% | 4.67% | 3.93% |
| Q1 2026 | 28.61% | 1.30% | 0.24% | 0.81% | 3.89% |
| Q4 2025 | 27.74% | 0.53% | 2.03% | 7.00% | 3.78% |
| Q3 2025 | 28.07% | 0.92% | 0.96% | 3.25% | 3.76% |
| Q2 2025 | 27.57% | 1.25% | 0.55% | 1.97% | 3.65% |
| Q1 2025 | 27.13% | 1.11% | 0.88% | 3.24% | 3.44% |
| Q4 2024 | 26.13% | 0.42% | 0.58% | 2.27% | 3.45% |
| Q3 2024 | 25.77% | 1.03% | 0.69% | 2.68% | 3.60% |
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 First National Bank of Peterstown | Peterstown , WV | 24963 | $65.2M |
| Fnbp Narrows Branch | Narrows , VA | 24124 | $8.5M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- August 27, 1991, OCC: Civil Money Penalty (CMP): The First National Bank Of Peterstown
- Period: Most recent institution action August 27, 1991. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in WV, rank 57 of 65 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 36 applications, 24 loans originated, $2.9M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- SBA 7(a) lending, 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 First National Bank of Peterstown
What are The First National Bank of Peterstown's total assets?
As of the Q2 2026 filing, The First National Bank of Peterstown reported total assets of $84.9 million in its FFIEC call report.
Where is The First National Bank of Peterstown headquartered?
It is headquartered in Peterstown, WV, United States.
When was The First National Bank of Peterstown founded?
It was established in 1910, per the FDIC institution directory.
Is The First National Bank of Peterstown FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #6787). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The First National Bank of Peterstown?
The First National Bank of Peterstown's primary federal regulator is the OCC.
What is The First National Bank of Peterstown's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 29.70% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The First National Bank of Peterstown 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 First National Bank of Peterstown's Texas Ratio?
Its Texas Ratio is 4.67% 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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