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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 $3.1MQ3 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