FNB Bank, Inc.
Romney, WV · Cert 6794 · Peer group: banks under $1B in assets (n=581-629) · Eastern Bancshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
$277.9MAssets
$210.2MLoans
$247.8MDeposits
$26.0MEquity
Executive Summary
- Strongest standing: return on equity outperforms 57% of banks under $1B in assets (rank 273 of 629).
- Widest gap: net charge-offs / loans trails 86% of banks under $1B in assets (rank 500 of 581).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.98%
Rank 329 of 629
Net Interest Margin
3.69%
Rank 269 of 629
Efficiency Ratio
68.90%
Rank 331 of 629
Equity / Assets
9.35%
Rank 443 of 629
Non-interest income vs. expense
Unfavorable gap of $6.5M · efficiency ratio beats 48% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.98% | 0.60% | 1.01% | 1.45% | Beats 48% | 329 / 629 | |
| Return on Equity | 10.50% | 5.38% | 9.30% | 13.28% | Beats 57% | 273 / 629 | |
| Net Interest Margin | 3.69% | 3.03% | 3.54% | 4.05% | Beats 57% | 269 / 629 | |
| Efficiency Ratio | 68.90% | 58.35% | 67.79% | 79.08% | Beats 48% | 331 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.45% | 0.09% | 0.46% | 1.20% | Beats 51% | 288 / 581 | |
| Net Charge-Offs / Loans | 0.13% | n/a | 0.01% | 0.06% | Beats 14% | 500 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 10.60% | 11.24% | 13.84% | 18.77% | Beats 17% | 522 / 629 | |
| Total Risk-Based Capital Ratio | 10.60% | 11.58% | 14.43% | 19.66% | Beats 15% | 536 / 629 | |
| Equity / Assets | 9.35% | 9.09% | 10.65% | 13.80% | Beats 30% | 443 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 84.82% | 67.24% | 80.90% | 93.48% | 57th pctl | 257 / 594 | |
| Loans / Assets | 75.62% | 53.31% | 67.71% | 78.15% | 68th pctl | 200 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |