Fayetteville, WV · Cert 6762 · FCNB Bcorp Inc.
National charter · OCC · 2 branches
Q2 2026
Market Position · Beckley, WV · 2026 SOD (annual) · 5.8% share · #6 of 12 inst. · $0.1B of $2.3B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.40% | 0.55% | 0.55% | 0.54% | 0.85% | +45 bps | |
| Return on Equity | 6.33% | 8.32% | 8.24% | 7.67% | 12.05% | +572 bps | |
| Net Interest Margin | 2.55% | 2.65% | 2.66% | 2.79% | 2.83% | +28 bps | |
| Efficiency Ratio | 82.37% | 77.38% | 76.32% | 73.35% | 66.08% | -1,629 bps | |
| Non-Interest Burden | 2.04% | 1.97% | 1.95% | 1.95% | 1.75% | -29 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.49% | 2.58% | 8.41% | 6.20% | 5.71% | +223 bps | |
| Loan Growth (YoY) | 2.47% | -1.83% | 1.79% | 2.06% | 2.51% | +4 bps | |
| Deposit Growth (YoY) | 2.59% | 2.86% | 1.51% | -0.19% | -0.60% | -319 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.25% | 0.28% | 1.00% | 0.13% | 0.08% | -17 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.08% | 0.05% | 0.03% | 0.02% | -6 bps | |
| Allowance / Loans | 1.15% | 1.16% | 1.17% | 1.14% | 1.14% | -1 bps | |
| Allowance Coverage of NPLs | 4.6x | 4.1x | 1.2x | 8.9x | 14.7x | +10.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.37% | 9.47% | 9.23% | 9.09% | 9.05% | -32 bps | |
| Total Risk-Based Capital | 22.47% | 22.34% | 22.53% | 22.39% | 9.05% | -1,342 bps | |
| Equity / Assets | 6.59% | 7.19% | 7.11% | 7.09% | 7.02% | +43 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 52.90% | 52.60% | 53.70% | 52.91% | 54.55% | +165 bps | |
| Liquid Assets / Assets | 0.49% | 0.51% | 0.28% | 0.63% | 0.58% | +9 bps | |
| CRE / Total Capital | n/a | 105.05% | 102.71% | 116.45% | n/a | n/a | |