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
Unfavorable gap of $2.8M · efficiency ratio beats 56% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.84% | 0.60% | 1.01% | 1.45% | Beats 37% | 397 / 629 | |
| Return on Equity | 12.02% | 5.38% | 9.30% | 13.28% | Beats 67% | 208 / 629 | |
| Net Interest Margin | 2.83% | 3.03% | 3.54% | 4.05% | Beats 17% | 520 / 629 | |
| Efficiency Ratio | 66.08% | 58.35% | 67.79% | 79.08% | Beats 56% | 277 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.08% | 0.09% | 0.46% | 1.20% | Beats 77% | 134 / 581 | |
| Net Charge-Offs / Loans | 0.07% | n/a | 0.01% | 0.06% | Beats 25% | 438 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 9.05% | 11.24% | 13.84% | 18.77% | Beats 2% | 617 / 629 | |
| Total Risk-Based Capital Ratio | 9.05% | 11.58% | 14.43% | 19.66% | Beats 2% | 617 / 629 | |
| Equity / Assets | 7.02% | 9.09% | 10.65% | 13.80% | Beats 5% | 595 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 54.55% | 67.24% | 80.90% | 93.48% | 14th pctl | 513 / 594 | |
| Loans / Assets | 46.51% | 53.31% | 67.71% | 78.15% | 18th pctl | 518 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |