Headquartered in Romney, West Virginia, The Bank of Romney is a state-chartered bank (fed member) with $368.8M in total assets and $283.5M in deposits as of Q2 2026. It operates 7 offices. Its charter dates back to 1888.
The Bank of Romney has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than 57% of its 2,650 banks with $100 million – $1 billion. Among 40 banks headquartered in West Virginia, it ranks 15th. Capital cushion contributes the most (100/100, 15.97%); loan quality contributes the least (42/100, 1.73%).
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 fell 3 points (77 → 74), mostly because the loan quality component weakened by 13 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 62 |
| Q3 2024 | 62 |
| Q4 2024 | 60 |
| Q1 2025 | 69 |
| Q2 2025 | 77 |
| Q3 2025 | 73 |
| Q4 2025 | 70 |
| Q1 2026 | 71 |
| Q2 2026 | 74 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 14.45% |
| Q3 2024 | 15.11% |
| Q4 2024 | 15.32% |
| Q1 2025 | 15.55% |
| Q2 2025 | 15.85% |
| Q3 2025 | 16.04% |
| Q4 2025 | 15.80% |
| Q1 2026 | 15.91% |
| Q2 2026 | 15.97% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 2.73% |
| Q3 2024 | 2.89% |
| Q4 2024 | 3.39% |
| Q1 2025 | 2.17% |
| Q2 2025 | 1.36% |
| Q3 2025 | 1.78% |
| Q4 2025 | 2.06% |
| Q1 2026 | 1.90% |
| Q2 2026 | 1.73% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.36% |
| Q3 2024 | 1.36% |
| Q4 2024 | 1.28% |
| Q1 2025 | 1.33% |
| Q2 2025 | 1.39% |
| Q3 2025 | 1.27% |
| Q4 2025 | 1.29% |
| Q1 2026 | 1.21% |
| Q2 2026 | 1.37% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 74 | $368.8M | 15.97% | 1.73% | 1.37% | 94.2% |
| Q1 2026 | 71 | $370.5M | 15.91% | 1.90% | 1.21% | 93.5% |
| Q4 2025 | 70 | $365.0M | 15.80% | 2.06% | 1.29% | 94.1% |
| Q3 2025 | 73 | $363.2M | 16.04% | 1.78% | 1.27% | 92.7% |
| Q2 2025 | 77 | $350.1M | 15.85% | 1.36% | 1.39% | 97.1% |
| Q1 2025 | 69 | $356.5M | 15.55% | 2.17% | 1.33% | 95.2% |
| Q4 2024 | 60 | $351.2M | 15.32% | 3.39% | 1.28% | 99.7% |
| Q3 2024 | 62 | $356.8M | 15.11% | 2.89% | 1.36% | 96.8% |
| Q2 2024 | 62 | $362.3M | 14.45% | 2.73% | 1.36% | 96.3% |
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 |
|---|---|---|---|---|---|
| Logan Bank & Trust CompanyBank Logan, WV | 85 out of 100, Very strong | $359.2M | 11.7% | 0.45% | vs |
| MCNB Bank and Trust Co.Bank Welch, WV | 50 out of 100, Below average | $356.5M | 12.3% | 3.22% | vs |
| First Exchange BankBank White Hall, WV | 49 out of 100, Below average | $391.1M | 9.0% | 2.10% | vs |
| Community Bank of ParkersburgBank Parkersburg, WV | 70 out of 100, Strong | $340.3M | 9.9% | 0.40% | vs |
| Highlands BankBank Petersburg, WV | 69 out of 100, Moderate | $407.1M | 11.0% | 0.91% | vs |
| Freedom Bank, Inc.Bank Belington, WV | 78 out of 100, Strong | $429.7M | 11.4% | 0.36% | vs |
Deposit insurance
Is my money safe at The Bank of Romney?
Yes. The Bank of Romney is an FDIC-insured institution (FDIC certificate #845). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 12.5% of deposits ($35.6M) 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 15.97%, 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
The Bank of Romney lists 7 offices in 6 cities. Most locations:
- Romney, WV (2)
- Augusta, WV (1)
- Capon Bridge, WV (1)
- Paw Paw, WV (1)
- Slanesville, WV (1)
- Springfield, WV (1)
Identity & history
Profile
- Legal name
- The Bank of Romney
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 845
- RSSD ID
- 722432
- Primary regulator
- FED
- Holding company
- Romney Bankshares Inc
- Established
- January 1, 1888
- Headquarters
- 95 E Main St, Romney, WV 26757
- Website
- www.bankofromney.net
- Employees
- 69
Quick answers
The Bank of Romney: common questions
Is The Bank of Romney FDIC insured?
Yes. The Bank of Romney is an FDIC-insured institution (FDIC certificate #845). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Bank of Romney's TellerScore?
74 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 The Bank of Romney ever failed?
There is no failure record for FDIC certificate #845 in the FDIC failed bank list.
How many branches does The Bank of Romney have?
7 offices as of the latest FDIC data.
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 |
| FNB Bank, Inc.Bank Romney, WV | 70 out of 100, Strong | $277.9M | 10.6% | 0.45% | vs |
| Highlands BankBank Petersburg, WV | 69 out of 100, Moderate | $407.1M | 11.0% | 0.91% | vs |