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.

Open 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
NameAddressCity / State
The Bank of Romney (Main)95 E Main StRomney, WV
CAPON BRIDGE BRANCH2960 Northwestern TurnpikeCapon Bridge, WV
AUGUSTA BRANCH16285 Northwestern PikeAugusta, WV
SPRINGFIELD BRANCH8504 Cumberland RdSpringfield, WV
PAW PAW BRANCH63 Winchester StPaw Paw, WV
SUNRISE BRANCH31 Stayman DrRomney, WV
SLANESVILLE BRANCH100 County Route 3Slanesville, WV
Showing 6 of 6

Quarterly Trends

Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).

Total Assets vs Total Liabilities

Loans & Leases vs Deposits

Interest Income vs Expense

Net Interest Income

Noninterest Expense vs Income

Net Income

Institution Profile

Institution ClassCommercial bank, state charter, Fed member, supervised by FRB
Primary RegulatorFED
Established Date01/01/1888
Community BankYes
Ownership TypeNot Mutual
ZIP26757
State and County Number54027
Subchapter S CorporationsNo
Trust PowersN/A
Federal Reserve ID Number05
Numeric code13
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictAtlanta
Core Based Statistical Area NameWinchester, VA-WV

Operational Info

Number of Employees70
Domestic Offices7
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date01/02/2024
Date of Deposit Insurance01/01/1934
Primary Insurance AgencyDIF
Websitehttp://www.bankofromney.net
Data Updated11/14/2025
CERT845
Office of The Comptroller District:
Office of Thrift Supervision RegionN/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 Margin4.29%
Efficiency Ratio65.74%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.2%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets15.694%
Earning Assets to total Assets90.31%

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.