FNB Bank, Inc.
Romney, WV
IDRSSD: 969639
Total Assets
$273.99M
Latest filing
Total Deposits
$241.56M
Latest filing
Net Interest Margin
4.28%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
FNB Bank, Inc.
105 N High St
Romney, WV 26757
Full Service - Brick and Mortar
Updated 01/30/2026Established 06/10/1910FDIC Certificate 4566
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| FNB Bank, Inc. (Main) | 105 N High St | Romney, WV |
| CAPON BRIDGE BRANCH | 2957 Northwestern Pike | Capon Bridge, WV |
| FORT ASHBY BRANCH | 10076 Frankfort Hwy | Fort Ashby, WV |
| HAMPSHIRE SQUARE BRANCH | 22250 Northwestern Pike | Romney, WV |
| ROSEMARY LANE OFFICE | 90 W Rosemary Ln | Romney, WV |
| WARRIOR DRIVE BRANCH | 731 Warrior Dr | Stephens City, VA |
| AUGUSTA BRANCH | 16125 Northwestern Pike | Augusta, 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 non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 06/10/1910 |
| 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 | 21 |
| 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 | 59 |
| 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.fnbtoday.com |
| Data Updated | 01/30/2026 |
| CERT | 6794 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $273.99M |
| Total Deposits | $241.56M |
| Total Liabilities | $249.17M |
| Total Equity Capital | $24.82M |
| Net Income | $774.00k |
| Net Loans and Leases | $205.36M |
| Assets Per Employee ($Millions) | $4.42M |
| Bank Premises and Fixed Assets | $8.65M |
| Cash and Balances due from Depository Institutions | $8.08M |
| Deposits Held in Domestic Offices | $241.56M |
Key Performance Ratios
| Return on Assets (ROA) | 1.13% |
| Return on Equity (ROE) | 12.48% |
| Net Interest Margin | 4.28% |
| Efficiency Ratio | 66.57% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.1% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.06% |
| Earning Assets to total Assets | 91.77% |
Income and Expense
| Total Interest Income | $3.79M |
| Total Noninterest Income | $423.00k |
| Total Interest Expense | $1.10M |
| Total Noninterest Expense | $2.07M |
| Net Interest Income | $2.69M |
| Pre-tax Net Operating Income | $972.00k |
| Provision for Credit Losses | $69.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $32.00k |
| Other borrowed funds | $5.19M |
| Federal Funds Sold & Reverse Repurchase Agreement | $4.82M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.42M |
| Total Liabilities and Capital | $273.99M |
Securities
| Securities | $36.58M |
| Available-for-sale debt securities | $36.58M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of FNB Bank, Inc.?
$273.99M as of the latest filing.
How much are FNB Bank, Inc.'s total deposits?
$241.56M in total deposits.
Where is FNB Bank, Inc. located?
Romney, WV.
What is the Net Interest Margin?
4.28%.
How many domestic offices does it operate?
7.
When was it established?
06/10/1910.
What is the Return on Assets (ROA)?
1.13%.
How much are total loans and leases?
$205.36M (latest filing).
What is the total interest income (latest filing)?
$3.79M.