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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.46% | 0.42% | 0.02% | 0.77% | 0.83% | 0.56% | 0.54% | 1.16% | +38 bps | |
| Return on Equity | 7.16% | 6.35% | 0.35% | 11.99% | 12.02% | 7.88% | 7.67% | 16.38% | +439 bps | |
| Net Interest Margin | 2.61% | 2.32% | 2.49% | 2.70% | 2.83% | 2.82% | 2.79% | 2.95% | +24 bps | |
| Efficiency Ratio | 76.57% | 81.82% | 94.83% | 71.23% | 68.36% | 73.36% | 73.35% | 59.26% | -1,197 bps | |
| Non-Interest Burden | 1.91% | 1.83% | 2.34% | 1.82% | 1.81% | 1.98% | 1.95% | 1.61% | -22 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 / Loans | 0.41% | 0.11% | 0.26% | 0.25% | 0.28% | 1.00% | 0.13% | 0.08% | -17 bps | |
| Net Charge-Offs / Loans | 0.07% | -0.07% | 0.03% | 0.13% | 0.08% | -0.04% | 0.03% | 0.00% | -13 bps | |
| Allowance / Loans | 1.15% | 1.20% | 1.18% | 1.15% | 1.16% | 1.17% | 1.14% | 1.14% | -1 bps | |
| Allowance Coverage of NPLs | 2.8x | 10.8x | 4.5x | 4.6x | 4.1x | 1.2x | 8.9x | 14.7x | +10.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.86% | 9.75% | 9.54% | 9.37% | 9.47% | 9.23% | 9.09% | 9.05% | -32 bps | |
| Total Risk-Based Capital | 22.87% | 23.88% | 21.73% | 22.47% | 22.34% | 22.53% | 22.39% | 9.05% | -1,342 bps | |
| Equity / Assets | 6.93% | 6.19% | 6.29% | 6.59% | 7.19% | 7.11% | 7.09% | 7.02% | +43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 55.11% | 53.55% | 51.74% | 52.90% | 52.60% | 53.70% | 52.91% | 54.55% | +165 bps | |
| Liquid Assets / Assets | 0.80% | 0.61% | 0.82% | 0.49% | 0.51% | 0.28% | 0.63% | 0.58% | +9 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 105.05% | 102.71% | 116.45% | n/a | n/a | |