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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

$158.1MAssets
$73.5MLoans
$134.8MDeposits
$11.1MEquity
Loan mix
94%RE $68.5M1%C&I $1.0M4%Consumer $3.1MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $106.2M21%Noninterest $28.6MQ2 2025Q2 2026

NIM

4.05%Q2 ’244.00%Q2 ’254.28%Q2 ’26-2%+9%

Non-interest income vs. expense

2.05%Q2 ’242.18%Q2 ’251.95%Q2 ’26+9%-12%

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

Executive Summary

  • Earnings: ROA of 1.16%, up 38 bps year over year; NIM at 2.95%.
  • Asset quality: problem loans at 0.08% of loans (-17 bps YoY), with net charge-offs at 0.00%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

1.16%+38 bps YoY

Net Interest Margin (quarter, annualized)

2.95%+24 bps YoY

Efficiency Ratio (quarter, annualized)

59.26%-1,197 bps YoY

Tier 1 Leverage Ratio

9.05%-32 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.77%0.83%0.56%0.54%1.16%+38 bps
Return on Equity11.99%12.02%7.88%7.67%16.38%+439 bps
Net Interest Margin2.70%2.83%2.82%2.79%2.95%+24 bps
Efficiency Ratio71.23%68.36%73.36%73.35%59.26%-1,197 bps
Non-Interest Burden1.82%1.81%1.98%1.95%1.61%-22 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 / Loans0.25%0.28%1.00%0.13%0.08%-17 bps
Net Charge-Offs / Loans0.13%0.08%-0.04%0.03%0.00%-13 bps
Allowance / Loans1.15%1.16%1.17%1.14%1.14%-1 bps
Allowance Coverage of NPLs4.6x4.1x1.2x8.9x14.7x+10.1x
Capital
Tier 1 Leverage Ratio9.37%9.47%9.23%9.09%9.05%-32 bps
Total Risk-Based Capital22.47%22.34%22.53%22.39%9.05%-1,342 bps
Equity / Assets6.59%7.19%7.11%7.09%7.02%+43 bps
Liquidity & Funding
Loans / Deposits52.90%52.60%53.70%52.91%54.55%+165 bps
Liquid Assets / Assets0.49%0.51%0.28%0.63%0.58%+9 bps
CRE / Total Capitaln/a105.05%102.71%116.45%n/an/a