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Fayette County National Bank of Fayetteville, The

Fayetteville, WV · Cert 6762 · FCNB Bcorp Inc.

National charter · OCC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

3

Q2 2024Q2 2026peer median (50)

Asset Quality

51

Q2 2024Q2 2026peer median (50)

Profitability

40

Q2 2024Q2 2026peer median (50)

Liquidity

19

Q2 2024Q2 2026peer median

Efficiency

56

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Fayette County National Bank of Fayetteville, The

Fayetteville, WV · Cert 6762 · FCNB Bcorp Inc.

National charter · OCC · 2 branches

Q2 2026

$158.1MAssets
$73.5MLoans
$134.8MDeposits
$11.1MEquity
Loan mix
94%RE $68.5M1%C&I $1.0M4%Consumer $3.1MQ3 2024Q2 2026
Deposit mix
79%Interest-bearing $106.2M21%Noninterest $28.6MQ3 2024Q2 2026

Market Position · Beckley, WV · 2026 SOD (annual) · 5.8% share · #6 of 12 inst. · $0.1B of $2.3B

Executive Summary

  • Earnings: ROA of 0.85%, up 45 bps year over year; NIM at 2.83%.
  • Asset quality: problem loans at 0.08% of loans (-17 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 9.05%, down 32 bps from a year ago.
  • Funding: loans stand at 54.55% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.85%+45 bps YoY

Net Interest Margin (YTD, annualized)

2.83%+28 bps YoY

Efficiency Ratio (YTD, annualized)

66.08%-1,629 bps YoY

Tier 1 Leverage Ratio

9.05%-32 bps YoY

NIM

3.97%Q2 ’243.87%Q2 ’254.14%Q2 ’26-4%+11%

Non-interest income vs. expense

2.09%Q2 ’242.38%Q2 ’252.11%Q2 ’26+20%-14%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.58%0.54%0.02%0.40%0.55%0.55%0.54%0.85%+45 bps
Return on Equity10.07%9.26%0.35%6.33%8.32%8.24%7.67%12.05%+572 bps
Net Interest Margin2.66%2.59%2.49%2.55%2.65%2.66%2.79%2.83%+28 bps
Efficiency Ratio71.08%73.52%94.83%82.37%77.38%76.32%73.35%66.08%-1,629 bps
Non-Interest Burden1.78%1.80%2.34%2.04%1.97%1.95%1.95%1.75%-29 bps
Growth
Asset Growth (YoY)1.04%-1.13%-0.47%3.49%2.58%8.41%6.20%5.71%+223 bps
Loan Growth (YoY)3.60%-0.33%1.87%2.47%-1.83%1.79%2.06%2.51%+4 bps
Deposit Growth (YoY)-5.36%-4.28%-0.42%2.59%2.86%1.51%-0.19%-0.60%-319 bps
Asset Quality
Nonperforming Loans / Loans0.41%0.11%0.26%0.25%0.28%1.00%0.13%0.08%-17 bps
Net Charge-Offs / Loans0.13%0.08%0.03%0.08%0.08%0.05%0.03%0.02%-6 bps
Allowance / Loans1.15%1.20%1.18%1.15%1.16%1.17%1.14%1.14%-1 bps
Allowance Coverage of NPLs2.8x10.8x4.5x4.6x4.1x1.2x8.9x14.7x+10.1x
Capital
Tier 1 Leverage Ratio9.86%9.75%9.54%9.37%9.47%9.23%9.09%9.05%-32 bps
Total Risk-Based Capital22.87%23.88%21.73%22.47%22.34%22.53%22.39%9.05%-1,342 bps
Equity / Assets6.93%6.19%6.29%6.59%7.19%7.11%7.09%7.02%+43 bps
Liquidity & Funding
Loans / Deposits55.11%53.55%51.74%52.90%52.60%53.70%52.91%54.55%+165 bps
Liquid Assets / Assets0.80%0.61%0.82%0.49%0.51%0.28%0.63%0.58%+9 bps
CRE / Total Capitaln/an/an/an/a105.05%102.71%116.45%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Fayette County National Bank of Fayetteville, The

Fayetteville, WV · Cert 6762 · Peer group: banks under $1B in assets (n=581-629) · FCNB Bcorp Inc.

National charter · OCC · 2 branches

Q2 2026

$158.1MAssets
$73.5MLoans
$134.8MDeposits
$11.1MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 77% of banks under $1B in assets (rank 134 of 581).
  • Widest gap: total risk-based capital ratio trails 98% of banks under $1B in assets (rank 617 of 629).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.84%

Rank 397 of 629

Net Interest Margin

2.83%

Rank 520 of 629

Efficiency Ratio

66.08%

Rank 277 of 629

Equity / Assets

7.02%

Rank 595 of 629

Non-interest income vs. expense

$0.6M$3.4MINCOMEEXPENSE
Unfavorable gap of $2.8M · efficiency ratio beats 56% of banks under $1B in assets
Bank 66.08%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.84%0.60%1.01%1.45%Beats 37%397 / 629
Return on Equity12.02%5.38%9.30%13.28%Beats 67%208 / 629
Net Interest Margin2.83%3.03%3.54%4.05%Beats 17%520 / 629
Efficiency Ratio66.08%58.35%67.79%79.08%Beats 56%277 / 629
Asset Quality
Nonperforming Loans / Loans0.08%0.09%0.46%1.20%Beats 77%134 / 581
Net Charge-Offs / Loans0.07%n/a0.01%0.06%Beats 25%438 / 581
Capital
Tier 1 Capital Ratio9.05%11.24%13.84%18.77%Beats 2%617 / 629
Total Risk-Based Capital Ratio9.05%11.58%14.43%19.66%Beats 2%617 / 629
Equity / Assets7.02%9.09%10.65%13.80%Beats 5%595 / 629
Liquidity & Funding
Loans / Deposits54.55%67.24%80.90%93.48%14th pctl513 / 594
Loans / Assets46.51%53.31%67.71%78.15%18th pctl518 / 629
Brokered Deposits / Depositsn/aNot reported for this institution