FNB Bank, Inc.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks FNB Bank, Inc. of Romney, WV against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.09% | 1.35% | -0.26% | 38th below |
| ROAE | 11.87% | 12.05% | -0.18% | 47th below |
| Net Interest Margin | 4.25% | 3.90% | +0.35% | 67th above |
| Efficiency Ratio | 66.34% | 63.15% | +3.19% | 36th below |
| PPNR / Avg Assets | 1.51% | 1.64% | -0.13% | 45th below |
| Yield on Earning Assets | 5.83% | 5.65% | +0.18% | 60th above |
| Cost of Funds | 1.62% | 1.85% | -0.23% | 62nd above |
| Net Interest Spread | 3.83% | 3.35% | +0.48% | 76th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.45% | 0.92% | -0.47% | 47th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.34% | 0.67% | -0.33% | 48th below |
| NCO / Avg Loans | 0.46% | 0.14% | +0.32% | 7th bottom |
| ACL / Total Loans | 0.97% | 1.28% | -0.31% | 22nd bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 214.89% | 1645.75% | -1430.86% | 50th above |
| Texas Ratio | 3.38% | 7.15% | -3.77% | 51st above |
| Provision / NCO | 51.64% | 1189.89% | -1138.25% | 28th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.60% | 12.46% | -1.86% | 43rd below |
| Equity / Assets | 9.35% | 11.67% | -2.32% | 33rd below |
| TCE / Tangible Assets | 9.35% | 11.40% | -2.05% | 37th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.82% | 78.64% | +6.18% | 41st below |
| Core Deposit Ratio | 86.35% | 87.09% | -0.74% | 36th below |
| Wholesale Funding Ratio | 0.68% | 5.12% | -4.44% | 87th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.59% | 6.47% | -1.88% | 51st above |
| Loan Growth (Y/Y) | 3.05% | 7.64% | -4.59% | 37th below |
| Deposit Growth (Y/Y) | 7.49% | 6.02% | +1.47% | 73rd above |
See FNB Bank, Inc.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock FNB Bank, Inc., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full FNB Bank, Inc. profile, how to read a UBPR, or how this data updates.