Headquartered in Romney, West Virginia, FNB Bank, Inc. is a state-chartered bank with $277.9M in total assets and $247.8M in deposits as of Q2 2026. It operates 7 offices across 2 states. Its charter dates back to 1910.
Based on its Q2 2026 filing, FNB Bank, Inc. scores 70/100, which we describe as strong. That is higher than only 43% of 2,650 banks with $100 million – $1 billion. Among 40 banks headquartered in West Virginia, it ranks 24th. Its strongest component is problem-loan coverage (93/100; 3.4%), and its lowest is capital cushion (56/100; 10.60%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 5 points (65 → 70), mostly because the earnings component improved by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 63 |
| Q3 2024 | 64 |
| Q4 2024 | 64 |
| Q1 2025 | 65 |
| Q2 2025 | 65 |
| Q3 2025 | 66 |
| Q4 2025 | 67 |
| Q1 2026 | 69 |
| Q2 2026 | 70 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.98% |
| Q3 2024 | 10.18% |
| Q4 2024 | 10.10% |
| Q1 2025 | 10.42% |
| Q2 2025 | 10.38% |
| Q3 2025 | 10.45% |
| Q4 2025 | 10.24% |
| Q1 2026 | 10.49% |
| Q2 2026 | 10.60% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.51% |
| Q3 2024 | 0.49% |
| Q4 2024 | 0.64% |
| Q1 2025 | 0.56% |
| Q2 2025 | 0.53% |
| Q3 2025 | 0.48% |
| Q4 2025 | 0.43% |
| Q1 2026 | 0.43% |
| Q2 2026 | 0.45% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.59% |
| Q3 2024 | 0.60% |
| Q4 2024 | 0.70% |
| Q1 2025 | 0.67% |
| Q2 2025 | 0.71% |
| Q3 2025 | 0.75% |
| Q4 2025 | 0.85% |
| Q1 2026 | 0.89% |
| Q2 2026 | 0.99% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 70 | $277.9M | 10.60% | 0.45% | 0.99% | 84.0% |
| Q1 2026 | 69 | $271.9M | 10.49% | 0.43% | 0.89% | 84.6% |
| Q4 2025 | 67 | $274.0M | 10.24% | 0.43% | 0.85% | 85.0% |
| Q3 2025 | 66 | $273.0M | 10.45% | 0.48% | 0.75% | 86.9% |
| Q2 2025 | 65 | $265.7M | 10.38% | 0.53% | 0.71% | 87.6% |
| Q1 2025 | 65 | $266.1M | 10.42% | 0.56% | 0.67% | 84.5% |
| Q4 2024 | 64 | $258.7M | 10.10% | 0.64% | 0.70% | 86.5% |
| Q3 2024 | 64 | $264.8M | 10.18% | 0.49% | 0.60% | 87.4% |
| Q2 2024 | 63 | $261.6M | 9.98% | 0.51% | 0.59% | 86.5% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in West Virginia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Davis Trust CompanyBank Elkins, WV | 53 out of 100, Below average | $274.9M | 8.5% | 0.66% | vs |
| West Union BankBank West Union, WV | 70 out of 100, Strong | $300.3M | 8.7% | 0.13% | vs |
| The Bank of MonroeBank Union, WV | 85 out of 100, Very strong | $255.4M | 13.2% | 0.34% | vs |
| The Citizens Bank of WestonBank Weston, WV | 71 out of 100, Strong | $302.7M | 10.9% | 1.09% | vs |
| Capon Valley BankBank Wardensville, WV | 61 out of 100, Moderate | $244.2M | 9.7% | 1.27% | vs |
| Williamstown Bank, Inc.Bank Williamstown, WV | 66 out of 100, Moderate | $236.7M | 10.1% | 0.37% | vs |
Deposit insurance
Is my money safe at FNB Bank, Inc.?
Yes. FNB Bank, Inc. is an FDIC-insured institution (FDIC certificate #6794). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 21.5% of deposits ($53.2M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.60%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
7 locations
Branches
FNB Bank, Inc. lists 5 offices in 4 cities across 2 states. Most locations:
- Romney, WV (2)
- Capon Bridge, WV (1)
- Fort Ashby, WV (1)
- Stephens City, VA (1)
HMDA 2025
Mortgage lending
In 2025, FNB Bank, Inc. reported 72 home-loan applications under HMDA (LEI 254900UEITST3NEK8Y27): 60 originated ($13,340,000 total), 3 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.6%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- FNB Bank, Inc.
- Former names
- The First National Bank of Romney
- Type
- State-chartered bank
- FDIC certificate #
- 6794
- RSSD ID
- 969639
- Primary regulator
- FDIC
- Holding company
- Eastern Bancshares Inc
- Established
- June 10, 1910
- Headquarters
- 105 N High St, Romney, WV 26757
- Website
- www.fnbtoday.com
- Employees
- 64
Quick answers
FNB Bank, Inc.: common questions
Is FNB Bank, Inc. FDIC insured?
Yes. FNB Bank, Inc. is an FDIC-insured institution (FDIC certificate #6794). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is FNB Bank, Inc.'s TellerScore?
70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has FNB Bank, Inc. ever failed?
There is no failure record for FDIC certificate #6794 in the FDIC failed bank list.
How many branches does FNB Bank, Inc. have?
7 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Romney
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Wepco Federal Credit UnionCredit union Bloomington, MD | 86 out of 100, Very strong | $399.3M | 15.5% | 0.98% | vs |
| Chessie Federal Credit UnionCredit union Cumberland, MD | 83 out of 100, Strong | $434.4M | 13.8% | 0.82% | vs |
| First Peoples Community Federal Credit UnionCredit union Cumberland, MD | 80 out of 100, Strong | $666.1M | 13.6% | 0.53% | vs |
| First United Bank & TrustBank Oakland, MD | 75 out of 100, Strong | $2.1B | 11.6% | 0.31% | vs |
| The Bank of RomneyBank Romney, WV | 74 out of 100, Strong | $368.8M | 16.0% | 1.73% | vs |
| Highlands BankBank Petersburg, WV | 69 out of 100, Moderate | $407.1M | 11.0% | 0.91% | vs |