The Fayette County National Bank of Fayetteville (FDIC certificate #6762) is based in Fayetteville, West Virginia. Its Q2 2026 call report shows $158.1M in total assets and $134.8M in deposits and 2 offices.
The Fayette County National Bank of Fayetteville has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than only 40% of its 2,650 banks with $100 million – $1 billion. Among 40 banks headquartered in West Virginia, it ranks 27th. Problem-loan coverage contributes the most (99/100, 0.5%); capital cushion contributes the least (41/100, 9.05%).
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 4 points (65 → 69), mostly because the earnings component improved by 18 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 66 |
| Q4 2024 | 69 |
| Q1 2025 | 62 |
| Q2 2025 | 65 |
| Q3 2025 | 66 |
| Q4 2025 | 59 |
| Q1 2026 | 66 |
| Q2 2026 | 69 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.68% |
| Q3 2024 | 9.86% |
| Q4 2024 | 9.75% |
| Q1 2025 | 9.54% |
| Q2 2025 | 9.37% |
| Q3 2025 | 9.47% |
| Q4 2025 | 9.23% |
| Q1 2026 | 9.09% |
| Q2 2026 | 9.05% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.17% |
| Q3 2024 | 0.41% |
| Q4 2024 | 0.11% |
| Q1 2025 | 0.26% |
| Q2 2025 | 0.25% |
| Q3 2025 | 0.28% |
| Q4 2025 | 1.00% |
| Q1 2026 | 0.13% |
| Q2 2026 | 0.08% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.64% |
| Q3 2024 | 0.58% |
| Q4 2024 | 0.54% |
| Q1 2025 | 0.02% |
| Q2 2025 | 0.40% |
| Q3 2025 | 0.55% |
| Q4 2025 | 0.55% |
| Q1 2026 | 0.54% |
| Q2 2026 | 0.85% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 69 | $158.1M | 9.05% | 0.08% | 0.85% | 53.9% |
| Q1 2026 | 66 | $157.1M | 9.09% | 0.13% | 0.54% | 52.3% |
| Q4 2025 | 59 | $154.6M | 9.23% | 1.00% | 0.55% | 53.1% |
| Q3 2025 | 66 | $151.0M | 9.47% | 0.28% | 0.55% | 52.0% |
| Q2 2025 | 65 | $149.5M | 9.37% | 0.25% | 0.40% | 52.3% |
| Q1 2025 | 62 | $147.9M | 9.54% | 0.26% | 0.02% | 51.1% |
| Q4 2024 | 69 | $142.6M | 9.75% | 0.11% | 0.54% | 52.9% |
| Q3 2024 | 66 | $147.2M | 9.86% | 0.41% | 0.58% | 54.5% |
| Q2 2024 | 69 | $144.5M | 9.68% | 0.17% | 0.64% | 52.3% |
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 |
|---|---|---|---|---|---|
| Guaranty Bank Inc.Bank Williamson, WV | 54 out of 100, Below average | $152.4M | 13.6% | 2.48% | vs |
| The Harrison County BankBank Lost Creek, WV | 72 out of 100, Strong | $164.9M | 10.2% | 0.42% | vs |
| Whitesville State BankBank Whitesville, WV | 65 out of 100, Moderate | $137.6M | 10.0% | 0.65% | vs |
| Clay County Bank, Inc.Bank Clay, WV | 91 out of 100, Very strong | $135.9M | 14.8% | 0.28% | vs |
| Pioneer Community Bank, Inc.Bank Iaeger, WV | 79 out of 100, Strong | $191.1M | 13.6% | 0.29% | vs |
| The First National Bank of WilliamsonBank Williamson, WV | 52 out of 100, Below average | $120.3M | 20.1% | 2.78% | vs |
Deposit insurance
Is my money safe at The Fayette County National Bank of Fayetteville?
Yes. The Fayette County National Bank of Fayetteville is an FDIC-insured institution (FDIC certificate #6762). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 34.4% of deposits ($46.4M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.05%, 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%).
2 locations
Branches
The Fayette County National Bank of Fayetteville lists 2 offices in 2 cities. Most locations:
- Fayetteville, WV (1)
- Oak Hill, WV (1)
HMDA 2025
Mortgage lending
In 2025, The Fayette County National Bank of Fayetteville reported 93 home-loan applications under HMDA (LEI 2549005QV7K44ND43364): 66 originated ($7,130,000 total), 14 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 15.4%, 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
- The Fayette County National Bank of Fayetteville
- Type
- National bank
- FDIC certificate #
- 6762
- RSSD ID
- 488420
- Primary regulator
- OCC
- Holding company
- Fcnb Bcorp Inc
- Established
- June 1, 1900
- Headquarters
- 101 N Court St, Fayetteville, WV 25840
- Website
- www.fcnbonline.bank
- Employees
- 22
Quick answers
The Fayette County National Bank of Fayetteville: common questions
Is The Fayette County National Bank of Fayetteville FDIC insured?
Yes. The Fayette County National Bank of Fayetteville is an FDIC-insured institution (FDIC certificate #6762). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Fayette County National Bank of Fayetteville's TellerScore?
69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Fayette County National Bank of Fayetteville ever failed?
There is no failure record for FDIC certificate #6762 in the FDIC failed bank list.
How many branches does The Fayette County National Bank of Fayetteville have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Fayetteville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Raleigh Co. Educators Federal Credit UnionCredit union Beckley, WV | 97 out of 100, Very strong | $21.3M | 26.3% | 0.04% | vs |
| Fayette Federal Credit UnionCredit union Mount Hope, WV | 89 out of 100, Very strong | $8.5M | 24.0% | 0.00% | vs |
| Celco Community Federal Credit UnionCredit union Narrows, VA | 85 out of 100, Very strong | $143.9M | 20.9% | 1.33% | vs |
| Community Trust Bank, Inc.Bank Pikeville, KY | 80 out of 100, Strong | $6.9B | 13.4% | 0.58% | vs |
| Raleigh County Federal Credit UnionCredit union Beckley, WV | 79 out of 100, Strong | $21.6M | 12.6% | 0.34% | vs |
| Pioneer Community Bank, Inc.Bank Iaeger, WV | 79 out of 100, Strong | $191.1M | 13.6% | 0.29% | vs |