FNB Bank, Inc. (Romney, WV)
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Data as of · sourced from FFIEC call reports. How we update
FNB Bank, Inc. is an FDIC-insured commercial bank headquartered in Romney, WV, established in 1910 (FDIC certificate 6794), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $277.9M, up 4.6% from Q2 2025, the 23rd largest of 40 banks headquartered in West Virginia. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.60% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 6794
- Headquarters
- Romney, WV
- Established
- 1910
- Total assets, Q2 2026
- $277.9M
- Assets vs Q2 2025
- +4.6%
- Tier 1 leverage ratio, Q2 2026
- 10.60%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 052201938
- Holding company
- EASTERN BANCSHARES, INC.
- Asset rank in state
- 23rd of 40 in West Virginia
Little in FNB Bank, Inc.'s latest call report stands out. The Romney, West Virginia bank had $278 million in assets at June 30, 2026, up 4.6% from a year earlier. On most measures it sits near the middle of the 2,660 banks with $100 million to $1 billion in assets.
Earnings jumped: net income for the quarter was $758,000, 53% above the same quarter a year earlier. Over the same year, loans grew 3.0% and deposits grew 7.5%.
As of June 30, 2026, FNB Bank, Inc. reported a return on assets of 1.09%, a nonperforming-loan ratio of 0.45% and a Texas ratio of 3.38%. The figures come from its call report filed with the FFIEC.
Of the 40 banks headquartered in West Virginia, FNB Bank, Inc. is the 23rd largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.2% to $277.9M, loans rose 1.6% and deposits rose 2.5%. 1-4 family residential loans made up 54.4% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 11.4%. Its 7 offices in the FDIC Summary of Deposits are in 5 cities across 2 states; its Romney 3 offices book 73% of its branch deposits. By the capital ratios in its Q2 2026 call report, FNB Bank, Inc. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 105 N High St, Romney, WV 26757
- County
- Hampshire
- Metro Area
- Winchester, VA-WV
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 10, 1910
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 64
- Domestic deposits
- $247.8M
- Allowance for credit losses
- $2.0M
- Net charge-offs (YTD)
- $244K
- Average total assets
- $277.9M
- Average total loans
- $208.2M
- Average interest-bearing deposits
- $197.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6794
- Fed RSSD
- 969639
- Website
- http://www.fnbtoday.com →
- Parent Holding Company
- EASTERN BANCSHARES, INC. (RSSD 1363784)
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, FNB Bank, Inc. 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, FNB Bank, Inc.'s total assets ranged from $258.7M (Q4 2024) to $277.9M (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
$277.9M total assets against $265.7M; $251.9M total liabilities against $242.2M.
$208.1M net loans and leases against $201.8M; $247.8M total deposits against $230.5M.
$36.2M securities against $37.4M; $13.9M cash and balances due against $7.7M.
$3.7M total interest income against $3.3M; $1.0M total interest expense against $1.1M.
$2.7M net interest income against $2.2M.
$486K total noninterest income against $456K; $2.1M total noninterest expense against $2.0M.
$65K provision for credit losses against $86K.
$758K net income against $495K.
1.09% return on assets against 0.75%; 4.25% net interest margin against 3.62%.
10.60% tier 1 leverage ratio against 10.38%.
Inside the full FNB Bank, Inc. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFNB Bank, Inc. rankings
Its closest position to the top of a national ranking is 1,750 of 3,640, for Texas Ratio; its furthest is 2,468 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.63% (Q3 2024) to 1.13% (Q4 2025) and its net interest margin ran from 3.26% (Q3 2024) to 4.25% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.60% | 1.09% | 0.45% | 3.38% | 4.25% |
| Q1 2026 | 10.49% | 0.89% | 0.43% | 3.36% | 3.86% |
| Q4 2025 | 10.24% | 1.13% | 0.43% | 3.45% | 4.21% |
| Q3 2025 | 10.45% | 0.84% | 0.48% | 3.81% | 3.73% |
| Q2 2025 | 10.38% | 0.75% | 0.53% | 4.37% | 3.62% |
| Q1 2025 | 10.42% | 0.68% | 0.56% | 4.54% | 3.60% |
| Q4 2024 | 10.10% | 1.01% | 0.64% | 5.12% | 3.45% |
| Q3 2024 | 10.18% | 0.63% | 0.49% | 3.78% | 3.26% |
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 |
|---|---|---|---|
| FNB Bank, Inc. (main office) | Romney , WV | 26757 | $143.2M |
| Hampshire Square Branch | Romney , WV | 26757 | $38.7M |
| Capon Bridge Branch | Capon Bridge , WV | 26711 | $35.5M |
| Fort Ashby Branch | Fort Ashby , WV | 26719 | $22.5M |
| Warrior Drive Branch | Stephens City , VA | 22655 | $7.9M |
| Rosemary Lane Office | Romney , WV | 26757 | $0 |
| Augusta Branch | Augusta , WV | 26704 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.5% of deposits in WV, rank 37 of 65 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 72 applications, 60 loans originated, $13.3M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $32K approved, $32K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (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 FNB Bank, Inc.
What are FNB Bank, Inc.'s total assets?
As of the Q2 2026 filing, FNB Bank, Inc. reported total assets of $277.9 million in its FFIEC call report.
Where is FNB Bank, Inc. headquartered?
It is headquartered in Romney, WV, United States.
When was FNB Bank, Inc. founded?
It was established in 1910, per the FDIC institution directory.
Is FNB Bank, Inc. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #6794). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates FNB Bank, Inc.?
FNB Bank, Inc.'s primary federal regulator is the FDIC.
How many branches does FNB Bank, Inc. operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is FNB Bank, Inc.'s Texas Ratio?
Its Texas Ratio is 3.38% 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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