FNB Bank, Inc.: 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: 33.65 percentage points lower than in Q1 2026, at 214.89%. Within West Virginia, FNB Bank, Inc. is 23rd of 41 on return on assets, 1.09% 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. FNB Bank, Inc. sits 0.16 points lower, at 1.09% (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 | 10.60% |
| Equity capital to assets | 9.35% |
| Tangible equity to tangible assets | 9.35% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.45% |
| Non-performing assets ratio | 0.34% |
| Net charge-off ratio | 0.46% |
| Texas ratio | 3.38% |
| Allowance for credit losses to loans | 0.97% |
| Reserve coverage of non-performing loans | 214.89% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.09% |
| Return on equity | 11.87% |
| Net interest margin | 4.25% |
| Efficiency ratio | 66.34% |
| Yield on earning assets | 5.83% |
| Cost of funds | 1.62% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.82% |
| Core deposits to total deposits | 86.35% |
| Brokered deposits to total deposits | 5.75% |
| Deposits to assets | 89.15% |
| Securities to assets | 13.03% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.83% | 0.47% | 2.95% | 2.26% | 0.04% |
| Q4 2023 | 9.72% | 0.68% | 3.10% | 0.14% | 0.05% |
| Q1 2024 | 9.85% | 0.62% | 3.08% | 0.52% | 0.01% |
| Q2 2024 | 9.98% | 0.55% | 3.09% | 0.51% | 0.03% |
| Q3 2024 | 10.18% | 0.63% | 3.26% | 0.49% | 0.05% |
| Q4 2024 | 10.10% | 1.01% | 3.45% | 0.64% | 0.05% |
| Q1 2025 | 10.42% | 0.68% | 3.60% | 0.56% | 0.17% |
| Q2 2025 | 10.38% | 0.75% | 3.62% | 0.53% | 0.25% |
| Q3 2025 | 10.45% | 0.84% | 3.73% | 0.48% | 0.21% |
| Q4 2025 | 10.24% | 1.13% | 4.21% | 0.43% | 0.02% |
| Q1 2026 | 10.49% | 0.89% | 3.86% | 0.43% | 0.01% |
| Q2 2026 | 10.60% | 1.09% | 4.25% | 0.45% | 0.46% |
FNB Bank, Inc. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock FNB Bank, Inc., 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 FNB Bank, Inc. profile, peer group comparison, or how this data updates.
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