The Bank of Romney
Romney, WV
IDRSSD: 722432
Total Assets
$363.23M
Latest filing
Total Deposits
$276.74M
Latest filing
Net Interest Margin
4.29%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
The Bank of Romney
95 E Main St
Romney, WV 26757
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1888FDIC Certificate 531
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The Bank of Romney (Main) | 95 E Main St | Romney, WV |
| CAPON BRIDGE BRANCH | 2960 Northwestern Turnpike | Capon Bridge, WV |
| AUGUSTA BRANCH | 16285 Northwestern Pike | Augusta, WV |
| SPRINGFIELD BRANCH | 8504 Cumberland Rd | Springfield, WV |
| PAW PAW BRANCH | 63 Winchester St | Paw Paw, WV |
| SUNRISE BRANCH | 31 Stayman Dr | Romney, WV |
| SLANESVILLE BRANCH | 100 County Route 3 | Slanesville, WV |
Showing 6 of 6
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/01/1888 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 26757 |
| State and County Number | 54027 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 05 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Winchester, VA-WV |
Operational Info
| Number of Employees | 70 |
| Domestic Offices | 7 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 01/02/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.bankofromney.net |
| Data Updated | 11/14/2025 |
| CERT | 845 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $363.23M |
| Total Deposits | $276.74M |
| Total Liabilities | $306.22M |
| Total Equity Capital | $57.01M |
| Net Income | $917.00k |
| Net Loans and Leases | $256.50M |
| Assets Per Employee ($Millions) | $5.26M |
| Bank Premises and Fixed Assets | $4.09M |
| Cash and Balances due from Depository Institutions | $14.73M |
| Deposits Held in Domestic Offices | $276.74M |
Key Performance Ratios
| Return on Assets (ROA) | 1.03% |
| Return on Equity (ROE) | 6.52% |
| Net Interest Margin | 4.29% |
| Efficiency Ratio | 65.74% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.2% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 15.694% |
| Earning Assets to total Assets | 90.31% |
Income and Expense
| Total Interest Income | $4.83M |
| Total Noninterest Income | $490.00k |
| Total Interest Expense | $1.37M |
| Total Noninterest Expense | $2.60M |
| Net Interest Income | $3.46M |
| Pre-tax Net Operating Income | $1.18M |
| Provision for Credit Losses | $175.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $924.00k |
| Other borrowed funds | $26.77M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.71M |
| Total Liabilities and Capital | $363.23M |
Securities
| Securities | $60.61M |
| Available-for-sale debt securities | $60.39M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $219.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Bank of Romney?
$363.23M as of the latest filing.
How much are The Bank of Romney's total deposits?
$276.74M in total deposits.
Where is The Bank of Romney located?
Romney, WV.
What is the Net Interest Margin?
4.29%.
How many domestic offices does it operate?
7.
When was it established?
01/01/1888.
What is the Return on Assets (ROA)?
1.03%.
How much are total loans and leases?
$256.50M (latest filing).
What is the total interest income (latest filing)?
$4.83M.